text:
Deposit Insurance Requirements After Certain Conversions; Definition of "Corporate Reorganization;" Optional Conversions ("Oakar Transactions"); Additional Grounds for Disapproval of Changes in Control; and Disclosure of Certain Supervisory Information, 55432-55435 [E8-22327]
Download as PDFAgencies
[Federal Register Volume 73, Number 187 (Thursday, September 25, 2008)] [Rules and Regulations] [Pages 55432-55435] From the Federal Register Online via the Government Printing Office [www.gpo.gov] [FR Doc No: E8-22327] ----------------------------------------------------------------------- FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Parts 303, 308, and 309 RIN 3064-AD25 Deposit Insurance Requirements After Certain Conversions; Definition of ``Corporate Reorganization;'' Optional Conversions (``Oakar Transactions''); Additional Grounds for Disapproval of Changes in Control; and Disclosure of Certain Supervisory Information AGENCY: Federal Deposit Insurance Corporation. ACTION: Final rule. ----------------------------------------------------------------------- [[Page 55433]] SUMMARY: The FDIC is issuing a final rule that amends certain of its regulations by conforming them to Federal statutes amended by the Financial Services Regulatory Relief Act of 2006, the Federal Deposit Insurance Reform Act of 2005 and the Federal Deposit Insurance Reform Conforming Amendments Act of 2005. On January 14, 2008, the FDIC adopted, an interim rule and requested public comment on, amendments to its regulations to implement such changes. Having received no comments on the interim rule, the FDIC is confirming the interim rule as final without change. DATES: Effective September 25, 2008, the interim rule published January 14, 2008 (73 FR 2143) is confirmed as final without change. FOR FURTHER INFORMATION CONTACT: Brett A. McCallister, Review Examiner (816) 234-8099 x4223, in the Division of Supervision and Consumer Protection; or Ryan K. Clougherty, Attorney, (202) 898-3843, Richard Bogue, Counsel, (202) 898-3726, or Robert C. Fick, Counsel, (202) 898- 8962, in the Legal Division. SUPPLEMENTARY INFORMATION: I. Background On October 13, 2006, the President signed into law the Financial Services Regulatory Relief Act of 2006 (``FSRRA'').\1\ The stated purpose of FSRRA is to reduce regulatory burden and improve productivity for financial institutions. Several provisions of FSRRA amend statutes that the FDIC has implemented through its Rules and Regulations (``Rules'').\2\ Additionally, Congress enacted the Federal Deposit Insurance Reform Act of 2005 (``Reform Act'') \3\ and the Federal Deposit Insurance Reform Conforming Amendments Act of 2005 (``Amendments Act''),\4\ which consolidated the two former deposit insurance funds into a single deposit insurance fund. --------------------------------------------------------------------------- \1\ Pub. L. 109-351, 12 STAT. 1966 (Oct. 13, 2006). \2\ Chapter III of Title 12 of the Code of Federal Regulations. \3\ Pub. L. 109-171, 120 STAT. 9 (Feb. 8, 2006). \4\ Pub. L. 109-173, 119 STAT. 3601 (Feb. 15, 2006). --------------------------------------------------------------------------- In January of 2008, the FDIC adopted an interim rule, and requested public comment on, amendments to its rules to conform them to Federal statutes as amended by the FSRRA, the Reform Act and the Amendments Act. Having received no comments, the FDIC is now issuing a final rule that is identical to the interim rule. II. Regulatory Amendments A. Deposit Insurance Requirements After Certain Conversions Section 5(i)(5) of the Home Owners' Loan Act (``HOLA'') \5\ generally authorizes any Federal savings association that was chartered and in operation before November 12, 1999 and that had branches in one or more states, to convert into one or more national or state banks, each of which may encompass one or more of the existing branches. Section 608(a) of FSRRA amended section 5(i)(5) of the HOLA to require that if such a conversion results in more than one national or state bank, each resulting bank must obtain deposit insurance from the FDIC pursuant to section 5(a) of the Federal Deposit Insurance Act (``FDI Act'').\6\ --------------------------------------------------------------------------- \5\ 12 U.S.C. 1464(i)(5). \6\ 12 U.S.C. 1815(a). --------------------------------------------------------------------------- Subpart B of Part 303 of the FDIC's Rules sets forth the procedures for applying for deposit insurance. Section 303.20 describes the scope of subpart B to include applications for deposit insurance for, among other institutions, proposed depository institutions. The final rule amends section 303.20 to expressly confirm the applicability of subpart B of Part 303 to banks that result from conversions of Federal savings associations under section 5(i)(5) of the HOLA. B. Definition of Corporate Reorganization Section 606 of the FSRRA made two changes to the Bank Merger Act \7\ with respect to mergers that solely involve an insured depository institution and one or more of its affiliates (``Affiliate Mergers''). First, for Affiliate Mergers, section 606 amended section 18(c)(4) of the FDI Act \8\ by eliminating the requirement that the appropriate Federal banking agency request competitive factors reports from either the other Federal banking agencies or the Attorney General of the United States.\9\ Prior to FSRRA the responsible Federal banking agency had to request competitive factors reports for Affiliate Mergers. Second, section 606 revised section 18(c)(6) of the FDI Act \10\ by eliminating the post-approval waiting period for Affiliate Mergers. Prior to FSRRA the applicant in an Affiliate Merger had to wait up to thirty days after obtaining the agency's approval before it could consummate the transaction. --------------------------------------------------------------------------- \7\ 12 U.S.C. 1828(c). \8\ 12 U.S.C. 1828(c)(4). \9\ Notwithstanding this change, the responsible Federal banking agency retains the ability to request competitive factors reports if the circumstances warrant. \10\ 12 U.S.C. 1828(c)(6). --------------------------------------------------------------------------- The FDIC's regulations at 12 CFR 303.61(b), formerly provided a definition of ``corporate reorganization'' that identified a class of mergers that generally do not raise competitive concerns and, therefore, do not require the same level of competitive analysis as other mergers subject to the Bank Merger Act. Such mergers are less burdensome on applicants. 12 CFR 303.61(b) defined ``corporate reorganization'' to include (i) mergers between an insured institution and its subsidiary or its holding company and (ii) mergers between institutions and entities that were ``commonly-owned.'' Institutions were ``commonly-owned'' if more than 50% of the voting stock of each is owned by the same entity. The changes made by section 606 of the FSRRA, however, indicate that there are no competitive concerns for a class of mergers that is broader than the class identified by the FDIC's Rule as corporate reorganizations. Specifically, FSRRA indicates that there are no competitive concerns for mergers that solely involve an insured depository institution and one or more affiliates. While the term ``corporate reorganization'' is only used in subpart D as one of several illustrative examples of the types of mergers covered by the Bank Merger Act, the definition could cause confusion as to how it relates to Affiliate Mergers. The final rule amends the definition of ``corporate reorganization'' found at 12 CFR 303.61(b) in order to conform it to the changes made by FSRRA and to avoid confusion about the need for competitive analyses and post-approval waiting periods for any merger that solely involves an insured depository institution and one or more of its affiliates. C. Optional Conversions Before it was repealed, the former section 5(d)(3) of the FDI Act \11\ generally authorized a member of one insurance fund to merge with a member of the other fund without changing the funds that insured the deposits of the two institutions. This type of merger was referred to as an ``Optional Conversion'' in both section 5(d)(3) of the FDI Act and in section 303.63(d) of the FDIC's Rules; it was also commonly known as an ``Oakar Transaction.'' Section 303.63(d) of the FDIC's Rules formerly required the applicant in an Optional Conversion to identify the [[Page 55434]] merger as an ``Optional Conversion'' in its application. --------------------------------------------------------------------------- \11\ 12 U.S.C. 1815(d)(3) (repealed 2006). --------------------------------------------------------------------------- On March 31, 2006, pursuant to the Reform Act and the Amendments Act, the former Savings Association Insurance Fund (``SAIF'') and the former Bank Insurance Fund (``BIF'') were consolidated into a single fund, the Deposit Insurance Fund. In addition, the Amendments Act repealed section 5(d)(3) of the FDI Act effective with the merger of the two funds.\12\ Following the consolidation of the two funds into one by the Reform Act and the repeal of section 5(d)(3) of the FDI Act by the Amendments Act, Optional Conversions are no longer possible. The final rule amends section 303.63 by removing paragraph (d) Optional conversions. The removed paragraph formerly read as follows: --------------------------------------------------------------------------- \12\ See section 8(a)(4) of the Amendments Act, Pub. L. 109-173 (2006). (d) Optional conversions. If the proposed merger transaction is an optional conversion, the merger application shall include a statement that the proposed merger transaction is a transaction covered by section 5(d)(3) of the FDI Act (12 U.S.C. 1815(d)(3). D. Additional Grounds for Disapproval of a Change in Control Section 705 of FSRRA amended section 7(j)(7) of the FDI Act \13\ by adding an additional ground for the disapproval of a proposed acquisition of control of a bank. The additional ground for disapproval is if the future prospects of the institution might jeopardize the financial stability of the bank or prejudice the interests of the depositors of the bank. --------------------------------------------------------------------------- \13\ 12 U.S.C. 1817(j)(7). --------------------------------------------------------------------------- Section 308.111 of the FDIC's Rules lists the statutory grounds for disapproval of a proposed acquisition of control of an insured state nonmember bank. The final rule amends section 308.111(c) to reflect the addition of unfavorable future prospects of the institution as a ground for disapproval of a proposed acquisition under the FSRRA. E. Disclosure of Certain Supervisory Information Section 707 of FSRRA amended section 7(a)(2) of the FDI Act \14\ by adding a new subsection (C) that expanded the authority of the Federal banking agencies to furnish examination reports and other confidential supervisory information to (1) any other Federal and State agencies with supervisory or regulatory authority over the depository institution or entity, (2) officers, directors and receivers of such depository institution or entity, and (3) any other person that the Federal banking agency determines to be appropriate. --------------------------------------------------------------------------- \14\ 12 U.S.C. 1817(a)(2). --------------------------------------------------------------------------- Part 309 of the FDIC's Rules governs the disclosure of confidential information. Paragraph (b)(3) of section 309.6 entitled ``Disclosure of exempt records,'' previously authorized the disclosure of exempt records to Federal financial institution supervisory agencies and certain other agencies. Since section 707 of FSRRA authorized additional disclosures of certain supervisory information, the final rule amends section 309.6(b)(3) to add those additional disclosures to the disclosures previously authorized. III. Regulatory Analysis and Procedure A. Solicitation of Comments on Use of Plain Language Section 722 of the Gramm-Leach-Bliley Act (``GLBA'') \15\ requires the FDIC to use ``plain language'' in all proposed and final rules published after January 1, 2000. The FDIC invited comments on whether the interim rule is clearly stated and effectively organized, and how the FDIC might make the text easier to understand. The FDIC received no comments addressing how the proposed rule might be changed to reflect the requirements of GLBA. --------------------------------------------------------------------------- \15\ 12 U.S.C. 4809. --------------------------------------------------------------------------- B. Administrative Procedure Act The final rule takes effect upon publication in the Federal Register. The final rule conforms the FDIC's regulations to several statutory provisions that were amended by FSRRA on October 13, 2006 and by the Reform Act and the Amendments Act effective on March 31, 2006. The statutory amendments made by FSRRA, the Reform Act, and the Amendments Act continue in effect. The amendments to the FDIC's regulations made by the final rule are identical to those made by the interim rule, effective January 14, 2008. The amendments to the FDIC's regulations made by the interim rule, and adopted in this final rule, generally reflect the language contained in the amended statutes without interpretation. The amendments made by the final rule effect no substance changes beyond those already effected by Federal statute. Although solicitation of public comment prior to the effectiveness of these regulatory amendments was unnecessary, the FDIC nonetheless requested public comment on the interim rule. The FDIC received no comments. C. Regulatory Flexibility Act The Regulatory Flexibility Act (``RFA'') requires that each Federal agency either certify that a proposed rule would not, if adopted in final form, have a significant economic impact on a substantial number of small entities or prepare an initial regulatory flexibility analysis of the proposal and publish the analysis for comment.\16\ However, pursuant to section 603(a) of the RFA a regulatory flexibility analysis is only required when an agency is required to publish a notice of proposed rulemaking for a proposed rule. Since the regulatory amendments made by the final rule are effective upon publication in the Federal Register, and since no notice of proposed rulemaking is required to be published, no regulatory flexibility analysis is required. --------------------------------------------------------------------------- \16\ See 5 U.S.C. 603. --------------------------------------------------------------------------- D. Paperwork Reduction Act No new collections of information pursuant to the Paperwork Reduction Act \17\ are contained in the final rule. --------------------------------------------------------------------------- \17\ 44 U.S.C. 3501. --------------------------------------------------------------------------- List of Subjects 12 CFR Part 303 Administrative practice and procedure, Bank deposit insurance, Banks, Banking, Reporting and recordkeeping requirements, Savings associations. 12 CFR Part 308 Administrative practice and procedure, Bank deposit insurance, Banks, Banking, Claims, Crime, Equal access to justice, Fraud, Investigations, Lawyers, Penalties. 12 CFR Part 309 Banks, Banking, Credit, Freedom of information, Privacy. PARTS 303, 308, 309--[AMENDED] Authority and Issuance 0 For the reasons set forth in the preamble, under the authority of 12 U.S.C. 1820 G, the interim rule amending parts 303, 308, and 309 of Chapter III of the title 12 of the Code of Federal Regulations which was published at 73 FR 2143 on January 14, 2008, is adopted as a final rule without change. By Order of the Board of Directors. Dated at Washington, DC, the 18th day of September 2008. [[Page 55435]] Federal Deposit Insurance Corporation. Valerie J. Best, Assistant Executive Secretary. [FR Doc. E8-22327 Filed 9-24-08; 8:45 am] BILLING CODE 6714-01-P
This site is protected by reCAPTCHA and the Google
Privacy Policy and
Terms of Service apply.


text:
An automotive mechanic is actually a spot where car mechanics and auto techs correct cars. Generally, these merchants are run by car dealerships that supply services to their own personal prospects. More often than not the help offered are at no additional ask for or at discounted prices. However, it is very important note that don't assume all shed features fantastic solutions. To assist you choose which vehicle look to implement, follow this advice that offers you a sense of the sorts of services that you can assume.
One common assistance provided by most regionally owned repair centers is foot brake routine maintenance. The majority of techniques bring a great deal of pleasure in maintaining brakes. Because brakes can easily expense 100's of dollars, the shady mechanic often runs the extra mile to make sure that the braking systems work nicely so that you can save on your vehicle insurance protection. Some aspects even transform it into a apply to venture to the hassle of for me personally checking the braking system of each one automobile they develop so they can deliver consumers with hassle-no cost driving a vehicle. Obviously, to carry out this preservation, the repair shop must understand the right strategies to utilize brake pedal and fat fluid towards the wheels.
Nearly all physique retailers employ a modest surroundings converter to carry out compact 1-an hour steps to motor vehicle four tires and also other tiny elements. For larger vehicle repairs, for example search engines, human body suppliers may perhaps use a big air flow compressor that features a strong supporter that could water pump atmosphere a couple of times each day. These effective compressors to allow motion to execute even complicated fixes that acquire a long time to accomplish.
Additional service made available from in your neighborhood possessed automotive repair centers is suspensions and wheel repair. Most car movement try to check out each and every client in the area and give personalised and top quality program. This can include adjusting the wheels with the automobile when it needs to be transformed, ensuring that the revocation is accurately diminished previous to driving a vehicle, and undertaking another check ups that need to be conducted. Furthermore, when these stores did their check ups and conducted any preservation solutions around the motor vehicles, they're needed by law to submit them to an test program stop the location where the buyer might have his car or truck serviced and have his wheels rotated as needed.
One other way that in your community owned and operated repair shops give what to consider is thru their on-page maintenance facility. Generally, these conveniences include a substantial, fully encased workroom the place techniques will be able to work on both large and small auto problems. Sometimes, these facilities feature a big storage area in which much larger motor vehicles, such as cars and trucks, are encased although currently being done anything about. Maybe, the vicinity purely has a small ton, with resources along with other explaining materials maintained hands. Either way, mechanics employed in these features be given loads of work area and an opportunity to complete a wide variety of upkeep providers.
After having their GED (General Equivalent Diploma) or highschool level, many individuals who would like to turn out to be motor vehicle specialists want to pursue a couple-12 months affiliate level in automotive restoration. Together with receiving trained in theory, most two-yr connect stage packages include classes in complex programs utilized practical, for example CAD software and diagnostic devices. Many automobile mend coaching software programs also demand individuals to perform not professional internship or apprenticeship packages in neighborhood company industries.
Normally, motor vehicle support technicians can anticipate to perform couple of years of grad-degree scientific tests, additionally additional several years of on the job lessons in regional automotive repair shops. So as to improve their level of skill and cut short just how long they're on their labor pool, following generating their GED or highschool level, many fresh car experts prefer to take added courses. Typically, these individuals choose to are dedicated to both auto techniques or motor mechanics, based on which kind of automotive restoration they hope to do. Once they have completely finished their elegant education and other instruction Special areas of practice can even be purchased through taking extra courses distinct to car mend techniques.
Automobile company specialists should expect to get results for various different companies. Many automobile assistance technicians take effect in compact suppliers properties of past automobile qualified professionals that contain decided to transfer to some greater shop right after performing their unique documentation software programs. Usually, automobile professionals secure a job in specialty auto repair centers, the place these are furnished specialist amount problems and toil prices which can be far lower compared to fees of doing an automotive specialist application in the common university or college.
In case you loved this information and you would want to receive more details concerning in the know kindly visit our web page.
Related articles or blog posts stated by visitors in the website:

subset: commoncrawl


text:
ChannelAll-encompassing Canyon West; 3. If the Affiliate does not obtain any Reward Credits within any six-month period, the complete Reward Credit account balance will breathe your last.
Most Popular
Transportation: what is the public transport? The based on the personal observation of Caesars employees, which is subject en route for error. One comment on this page: Just another example of how adult names think they can control our freedom of speech. Yep Born2Travel, so as to one hurt and it's only additional benefit for tier credits : A allocation of people seem to be accomplishment these extras gifted to them as a result of CET, I heard about it after everything else year too but they've never agreed me any. Somewhere different! Credits bidding be awarded for whole dollars barely.
Which Casinos Use The Wynn Red Card?
A few disputes regarding the accumulation of Points or Tier Point balance maintained arrange a membership account will be reviewed by management. Got It! I be able to reach tier points pretty easy although have never done tier points all the rage 24 hours. Best US breakfast? Denial Credits will be earned on a few free slot play coupons, free agenda play vouchers, promotional chips or at no cost play downloaded to slot machines.
How to Get Caesars Total Rewards Diamond: No Resort Fees + Atlantis Trip
The based on the personal observation of Caesars employees, which is subject en route for error. Membership in the Program is free. Qualified hospitality spend includes accuse and, depending on the outlet, can include service charges. Top 10 things to do and see The perks are worthwhile but what if the accusations are true and the break down eventually bans you from winning big? Privacy Policy.


text:
In a recent study published in JBMR Plus, researchers found that regular strength and impact-type training may decrease or even prevent age-related bone deterioration in men.
The finding emphasizes the importance of regular intensive training for maintaining bone health.
The study is from the University of Jyväskylä. One author is Tuuli Suominen.
Part of the age-related bone loss can be explained by reduced levels of physical activity. Especially intensive, bone-loading exercise typically decreases with age.
High-intensity strength, sprint and jumping training have beneficial effects on bone even in old age. However, the ability of such training to prevent or decrease age-related bone deterioration remains unclear.
In the study, links of regular strength and sprint training with bone aging were examined in a larger research program.
A total of 69 men aged 40 to 85 years participated in the follow-up part of the study. At the beginning of the follow-up, all the men were training and competing actively.
Tibial bone properties of the participants were examined by computed tomography at baseline and after 10 years.
The associations of the training status with the longitudinal changes in bone were examined in two groups: in athletes who had continued regular strength and sprint training and in athletes who had reduced their training load.
The team showed that regular strength and sprint training was linked to maintained or even improved tibial bone properties while in those athletes who had reduced their training load the bone properties declined over the 10-year follow-up period.
The positive effects of the training were most evident in trabecular bone density and in cross-sectional geometry of the tibial shaft, which supports the benefits of both impact-type training and strength training.
The team says although the intensive training of the athletes as such is not possible for all aging people, strength and power training is highly recommended at all ages, regardless of the functional status.
In the present study, the benefits of high-impact training were most evident among the middle-aged while strength training may be effective in preserving bone in older populations.
Muscle strength and power are highly important also in preventing falls and related fractures.
If you care about exercise, please read studies about you can burn more calories with this exercise and findings of this walking exercise could keep older people fit and health.
For more information about exercise and your health, please see recent studies about this common supplement may lower muscle soreness after exercise and results showing that no pain, no gain in exercise for this common artery disease.
Copyright © 2021 Knowridge Science Report. All rights reserved.


text:
Sinter Metal Dual Gear
Price And Quantity
- Piece/Pieces
- 5000
- Pack/Packs
Product Description
Sinter Metal Dual Gear is increasingly used in power transmissions to reduce the cost of gear production. It is frequently employed under conditions of high load and high speed, and tooth surfaces are in contact with each other under a sliding-rolling contact condition. Sinter Metal Dual Gear can be availed from us at economical rates.
Trade Information
- 5000 Per Month
- 1 Week
Related Products
Contact Us
No.1055, Jiulong Dadao, Wenling Industrial Zone Wenling City, Zhejiang, Zhejiang, 317000, China
Phone :+8615858622217


text:
Having bloodstream streaks in your cervical mucus during ovulation is a normal event which will not justify a call into the doctor.
It offers related to the truth that CM has recently done its function that is key of. I have two young ones, but i will be so tired We I'd a really light one – simply 2 times of pink-tinged CM. Mucus increases to greatly help boost the blood flow that is vagina's. It may appear due to various reasons and it is diagnosed based on the accompanying symptoms, in accordance with the cycle that is menstrual age, residing conditions and particular lab tests. I have look over by using some females, you've got small cramping. You have the blending of bloodstream and mucus that is cervical also it appears like clots of bloodstream. The human body alterations in pregnancy results in numerous indications and symptoms that usually differ in level of extent from 1 girl to some other. Read more →


text:
Cannabinoids take most of the attention when it comes to their therapeutic effects. Cannabinoid-rich cannabis plants have been gaining popularity for many years, and people are still counting on them.
Explore hundreds of cannabis recipes, marijuana cooking, kitchen how-to video guides, and more.
Explore The Latest Popular Blogs In The Industry By Selecting The Right Categories


text:
The Magic of the Lymphatic System
Cleanses by moving waste OUT of your body
Flushes out metabolic waste
Eliminates stress & lowers your acidic stress hormones (cortisol) which is why we get bloated bellies!
Most importantly you must know that in order to regulate these, the lymphatic system must be working properly, as it is the active "drain" and transport mechanism for many of them.
The bodyballancer Pro can help improve that process
What is lymphatic drainage?
Lymphatic drainage massage, also known as manual lymphatic drainage, relieves swelling and bloating that happens to us on a daily basis due to poor diet, dehydration, smoking, lack of exercise and a compromised lymphatic system.
Lymphatic drainage massage involves gently manipulating specific areas of your body to help lymph move and eliminate toxins
Many athletes, supermodels and celebrities make lymphatic massage part of their daily routine due to the compelling results.
What happens to your body after a lymphatic drainage?
The waste products 'toxins' are released from the body with increased urination.
What do you feel after the lymphatic drainage?
Generally, your limbs feel light, you are more relaxed, you see a reduction in the appearance of cellulite, and feel more energised. Your skin tone is improved and with regular use inches are lost.
The bodyballancer Pro is the perfect choice for anyone looking to improve their wellbeing and aesthetic beauty.
It helps to reduce water retention inch loss, as well as cellulite. It also aids muscle recovery (DOMS) after exercise, reducing post-flight swelling and fights jet lag.
Additionally, it can greatly improve the immune system, while being very relaxing and enhancing a good night's sleep.


text:
Slightly sci-fi and extremely statement, we're loving all things holographic this season. See below for our pick of the best futuristic pieces out there.
Shades Dhs605 at westward.com here
Hi top trainers Dhs296 at River Island here
Leggings Dhs3,202 Hussein Chalayan here
Glass necklace Dhs172 at Kurt Geiger here
Pointed heels Dhs267 at ASOS here
Clutch bag Dhs119 at New Look here
Kate Moss is a fan of this look
Photo: Zimbio, elbowsandkneesblog, dragonnfruit.com


text:
Patient Portal – Medfusion
Patient Portal – Medfusion
Medfusion Secure Practice Portal
Important Message What's New? Learn about our new payment services! Click here.
Medfusion – Patient Experience Portal, Scheduling, Payment …
Patient Engagement and Patient-provider Communications are Essential to Improving Healthcare. In step with our commitment to expand to make the healthcare experience better for everyone, we have joined NextGen Healthcare to increase productivity, improve clinical care, and enrich the patient experience—all while ensuring healthy financial outcomes and helping providers along their journey to …
Medfusion Secure Practice Portal
Medfusion Practice Portal: Recover Password: To begin the process of resetting your account password, please enter your User ID below. User ID: Forgot Your User Id? Enter the characters shown below: Click here to generate a new image
Medfusion Site Generator
User ID: Forgot Your User Id? Password: Forgot Your Password? Important Message What's New? Learn about our new payment services! Click here. …
Please log in. – Medfusion
Please log in. Username. Password
Patient Portal Login
Patient Portal Login. Login. User name. Password. Forgot Password? Portal Admin Login. Remember me? Sign In …
Log In: MyHealthRecord
Your online door to your doctor's office
Login – Patient Portal
With Patient Portal, you can connect with your doctor through a convenient, safe and secure environment. left link. FAQ link. link . right link. Log into Patient Portal. Username. Forgot username? Password. Forgot password? I have my password reset token. I am new here. CREATE ACCOUNT. Online Patient Portal Help. I am not receiving email notifications : Your security is important. We use …


text:
Phone no: 9779851180527 or email us: email@example.com
The mark consists of a robotic face above the wording "JERKMATE" which appears above the wording "NEVER JERK OFF ALONE AGAIN". The LiveSexCam matter hasn't been used on any public repositories, yet. Users could ask their good friends to affix the chats or just begin recent conversations by merely inviting individuals via backlinks and other merchandise. Thanks to these options, Chatroulette is mostly most popular simply by ladies. Those people who are harassing others are clogged automatically, along with no troublesome ads with all the positioning. Feel free to share this web page on social media utilizing the buttons offered on the prime.
People out of any region can sign up for Video Talk RU as there are profiles through completely different nations. Users may invite all their associates to enroll the chats or just begin out new discussions by appealing individuals through links sites like shagle and different stuff. This online chatting method helps users discover appropriate groups for the espresso lover and talk more efficiently with one another. Each chat room on this webpage has a specific set of tools that can be utilized meant for self-organizing incidents.
After finishing the download, you should find the apk file and install it. Education; providing of training; leisure; sporting and cultural actions. Surfshark has an excellent highly effective antivirus program. It provides you efficient safety from viruses and zero-day threats, a lightweight, clean, and easy-to-use app, and a 30-day money-back assure. They will notify you when your private data is leaked online – so you'll have the ability to delete your personal knowledge from the Internet immediately. So, if you want your data faraway from the Internet, sign-up HERE. The service is verified by our staff and is respectable.
If you wish to take away your data from the Internet, contact our companions at Incogni instantly. It is a reliable knowledge privateness FreeSexCams software that requests your knowledge elimination from almost a hundred brokers on your behalf.
It mechanically blocks 100x extra dangerous websites than rivals and 10x more malicious downloads than another security device. It was examined and vetted by our Scam Detector team. The experience of your life with our LiveSexCam app, might change your life with our live videos. Work with this alternative along free adult livesex cams with the verified adults and reliable providers. You will capture the time of financial savings and reductions. It is a further various online courting site, which is very like Shagle. The detail by simply element report on every of the web sites may look over subsequently.
After important the start option, you obtain linked with unknown people from across the globe immediately. Chat Random provides a chic and straightforward website interface with a good web host of options to provide a pleasant over the web random chat website. You may be your reliable self in Monkey, and invite your pals to online video chat live with different unknown folks together. This will make it simpler to meet new people and make recent pals over the web because it produces a space that embraces personality and self-discovery. LiveSexCam is the main cam site and dialog site identical to Omegle with respect to 2022. With over 1 million users each month, you will find a big selection of chat models to get snug with, right from a extensive range of courses which includes couples, groups, homosexual talks and extra.
For solely $5.79/month it's totally value it. Please share your experience with this firm, in case you have any – so that we will adjust if that's the case. You should enable "Unknown sources" to install functions outside the Play Store. The information is useful additionally for individuals who want to increase their knowledge on this specific topic. Accelerated as a lot as 200% with dFast Torrent Cloud™Enjoy the quickest obtain service with dFast.
The greatest live LiveSexCam experience with our app for Android. Scientific and technological companies and analysis and design relating thereto; industrial analysis and research providers; design and growth of pc hardware and software. Creating an account with Meetzur is extremely easy and clear-cut that requires you to create a new account or log in by making use of their accepted Facebook checking account. Meetzur relies on the person behavior and interest system and permits the users to get folks with respect to their pursuits. Chatroulette is a web site that works by arbitrarily pairing other folks for via the web video speak conversations. As an authority website vetted online a very lengthy time ago, the enterprise is, undoubtedly, Trustworthy.
Allow significantly better and remain when utilizing the web sites to the internet. Many of them have very comparable service, whereas many have truly a wider or more slender range. Far extra Shagle totally choices you make use of, the greater number of women you may presumably satisfy. Is not a rip-off website, nevertheless it's your duty to identify the red flags every time you would possibly be engaging in an internet transaction. Remember that even reliable companies have complaints and sad clients.
The safe natural setting of examined internet dating contemporary tradition is amongst the most significant tips between consumers. Shockingly, it is extravagant to state 100per cent that exact optionally available platform to Shagle is completely safeguarded. On Shagle, youll examine distinctive important data and courses on precisely tips on how to defend a respectable situations and dodge shady individuals. Shagle is a free of charge Random Speaking website which normally connects arbitrary strangers. We have two more highly effective fraud prevention tools that you must know about. We've been asked time and again what are the most effective methods to remain secure online. After testing a quantity of fraud prevention merchandise online, we may actually say the winner is a browser extension called Guardio.


text:
What is a Dynamic Playable?
With a Dynamic Playable (DP), you can experiment with different creative variations in one playable ad easily and quickly, without having to upload or send multiple ads to the ad network.
A dynamic playable lets you test up to 64 permutations (unique creative configs) of your ad. Luna Creative Suite will automatically change the playable on the fly and track the ad performance until we find out which combination works best for a metric of your choice.
Dynamic Playable ads not are supported by all playable types in Luna Creative Suite; only Playable Plugin and JS Playables, not Interactive Templates
How does it work?
Generally, when creating interactive ads with Creative Suite, you are able to edit various elements of your creative. For example, you could create a variable field for the colour of your main character, or the level you want the users to play.
Meanwhile, Dynamic Playable allows you to select multiple variations for each creative element, resulting in numerous permutations.
Let's take a look at example!
Imagine your playable has an end card with a call-to-action button, and you want to know which combination of color and message delivers the best results. You decide to test:
"Install now"
A dynamic playable can be used to create a unique permutation for all of these options. The results of the above will be six permutation:
Permutation #1: Green + "Install now"
Permutation #2: Green + "Download"
Permutation #3: Blue + "Install now"
Permutation #4 Blue + "Download"
Permutation #5 Red + "Install now"
Permutation #6: Red + "Download"
Testing your Dynamic Playable
After setting up your variants, you will need to initiate Creative Testing for your playable and finally download the DP and send it to the ad network.
When the ad runs, Creative Suite talks to the playable through client-to-server communication and tells the playable which combination to show for this specific ad impression based on past performance metrics.
More information about creating dynamic playables can be found here.


text:
Restaurateur Grant Cooper officially opened his new restaurant group's first establishment Flora on Tuesday, March 1. Housed in the Dunlavy's former event space overlooking Buffalo Bayou Park, the restaurant implements a Texas touch on cuisine inspired by small towns in Mexico.
Flora's lunch and dinner menus both promise a mix of fresh salsas, moles, ceviche, street tacos using corn tortillas that are made in-house daily, and more. Highlights include barbacoa de Borrego — a braised lamb marinated in spices and accompanied by tortillas, refried beans, and Spanish rice; street tacos al pastor; and a seafood tostada topped with red snapper, octopus, and shrimp. Tequila and mezcal concoctions grace the cocktail list, including a ginger mezcalita made with poblano chili liqueur, ginger syrup, lime, and pineapple-cold pressed juice; the Escobar, made with tequila reposado, agave, and chili-chocolate bitters; and a classic Hemingway-style daiquiri.
The restaurant will also expand its menu starting this summer with a weekend brunch menu, according to a release.
Described as a "glass treehouse," the establishment features endearing decor with more than 40 sparkling chandeliers, plush furniture, a brass and marble bar, pottery and art, and an outdoor terrace.
The restaurantFlora is the first restaurant for The Big Vibe Group, a hospitality group that restauranteur Grant Cooper launched after he and chef Charles Clark ended their 20-year partnership under Clark Cooper Concepts. As a result, Clark kept restaurant Brasserie 19, while Cooper kept Gratify, Coppa Osteria, and the Dunlavy's space.
And this will not be the last restaurant opening for Cooper this year. Big Vibe is slated to open another restaurant this fall, but details have yet to be released by the hospitality group. Many signs, however, point to a Graffiti Raw, a new restaurant slated to open in the retail-dining hub, Montrose Collective, later this year.
Documents obtained by Eater Houston earlier this year showed that Cooper is behind the casual restaurant, which will offer light fare, fire-grilled proteins, and a vibe reminiscent of both Venice Beach, California, and Tulum, Mexico. A certificate of formation for Graffiti Raw, LLC, lists cooper as the manager.
Flora is open 11 a.m. to 10 p.m. Monday through Thursday, 11 a.m. to 11 p.m. Friday and Saturday, and 11 a.m. to 9 p.m. Sunday.


text:
The Motley Fool Canada's personal finance content is reader-supported: we may earn a commission from offers on this page. It's how we make money. But our editorial integrity ensures our experts' opinions aren't influenced by compensation.
How to use our top credit card picks
Our goal is for this page to be as useful as possible to you in actually choosing a new credit card. So keep the following in mind while using this page.
A quick guide to credit-card types
As we mentioned above, the best credit card for you depends on choosing a card from a category that fits you. Here's the speed-reader's version of credit card types:
The Motley Fool Canada's best credit cards for 2024:
Credit card | Best for |
American Express Cobalt ® Card | Best rewards credit card |
Scotiabank Gold American Express Card | Runner up best rewards credit card |
SimplyCash® Preferred Card from American Express | Best cash back credit card |
CIBC Dividend Visa Infinite Card | Runner up best cash back credit card |
CIBC Select Visa Card | Best balance transfer credit card |
Scotiabank Gold American Express Card | Runner up best balance transfer credit card |
Scotiabank Gold American Express Card | Best travel credit card |
American Express Cobalt ® Card | Runner up best travel credit card |
KOHO Prepaid Visa | Runner up best secured credit card |
More information about our top credit card picks:
SimplyCash® Preferred Card from American Express
Great for earning high cash back on all spending
On American Express's secure website
- Earn 4% cash back on eligible gas station purchases in Canada
- Earn 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)
- Earn 2% cash back on all other purchases
Welcome bonus
In your first 10 months as a new SimplyCash® Preferred Card from American Express Cardmember, you can earn a $40 statement credit for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to $400 in statement credits in the first 10 months.
Learn More
Annual Fee:
$119.88 ($9.99 monthly)
Credit rating : Good, Excellent
Annual Income : $N/A
American Express Cobalt ® Card
Best rewards credit card
On American Express's secure website.
- 5x Membership Rewards® points on eligible eats and drinks in Canada, including groceries and food delivery; spend cap applies
- 3x Membership Rewards® on eligible streaming subscriptions
- 2X points on eligible ride shares, transit and gas in Canada
Welcome bonus
In your first year as a new Cobalt Cardmember, earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your card. This could add up to 15,000 points in a year.
Learn more
Click here to learn more about the American Express Cobalt ® Card
Annual fee:
$155.88 ($12.99 monthly)
Credit rating: Fair
Scotiabank Gold American Express Card
Runner up best rewards credit card
On Scotiabank's secure website.
- 5x Scene+ points on eligible dining, grocery, and entertainment
- 3x Scene+ points on eligible gas, transit, and streaming services
- 1x Scene+ points on everything else
Welcome bonus
Up to 45,000 Scene+ points (worth up to $450 towards travel)
Learn more
Click here to learn more about the Scotiabank Gold American Express Card
Annual fee:
Credit rating: Good
Minimum income: $12,000
CIBC Dividend Visa Infinite Card
Runner up best cash back credit card
- 4% on gas and groceries
- 2% on transportation, dining, and recurring payments
- 1% on everything else
Welcome bonus
10% cash back on first 4 statements (up to $2,000 in purchases) and 1st year annual fee rebated
Annual fee:
Credit rating: Very good
Minimum income: $60,000 (individual), $100,000 (household)
CIBC Select Visa Card
Best balance transfer credit card
Welcome bonus
Annual fee:
Credit rating: Good
Scotiabank Gold American Express Card
Runner up best balance transfer credit card
On Scotiabank's secure website.
- 5x Scene+ points on eligible dining, grocery, and entertainment
- 3x Scene+ points on eligible gas, transit, and streaming services
- 1x Scene+ points on everything else
Welcome bonus
Up to 45,000 Scene+ points (worth up to $450 towards travel)
Annual fee:
Credit rating: Good
Minimum income: $12,000
Scotiabank Gold American Express Card
Best travel credit card
On Scotiabank's secure website.
- 5x Scene+ points on eligible dining, grocery, and entertainment
- 3x Scene+ points on eligible gas, transit, and streaming services
- 1x Scene+ points on everything else
Welcome bonus
Up to 45,000 Scene+ points (worth up to $450 towards travel)
Read our full Scotiabank Gold American Express Card review
Annual fee:
Credit rating: Good
Minimum income: $12,000
KOHO Prepaid Visa
Runner up best secured credit card
On KOHO's secure website.
- 0.5% cash back on all purchases
- Up to 5% cash back at certain brand partners
Welcome bonus
Annual fee:
N/A (Prepaid card, no qualifications)
Our review methodology for credit cards
Our ratings process is based on a combination of how we go about choosing the cards for our own wallets as well as what we view as important to the average Canadian.
So here's a look at what we consider.
The key feature for each credit-card type
Each different credit-card type has a key benefit. Rewards cards give you rewards, so for these we focus on which cards allow you to earn the most rewards. Balance transfer cards provide period a low, or 0%, APR so that you can pay down your debt faster, so for these we consider the promotional rate and the period of time that rate lasts. Secured cards can help build credit, so for these we consider what they offer cardholders (credit monitoring, rewards, etc.) as they build their credit.
And so on.
In short, we look at what key features cardholders look for in a certain category and stack up the cards based on how well they deliver on those key features.
Annual fee
If it costs you money just to have the card, all things equal, it's a worse deal than a card that doesn't charge an annual fee.
Of course, all things aren't always equal. Sometimes a card with an annual fee may offer so many benefits — particularly when it's a rewards- or cashback-based cards — that the fee is more than worth it.
Credit card perks
There are a lot of other perks that credit cards offer. Travel cards may offer airport lounge access, a rewards card might give you mobile phone insurance coverage, while a secured card might offer access to your credit score.
These perks can be very valuable. But they're also extremely hard to value. To some people, they will be highly valuable. Others may not use them as much. Still other cardholders may not use a given perk at all.
But we definitely don't ignore these perks. We take note of all of the perks a card offers and when multiple cards are neck-and-neck in our reviews, a good selection of perks can boost one card higher on the list.
Interest rate / APR
Interest rates and APR do not play a role in our ratings for most credit cards.
Credit cards are a very bad way to borrow money. The interest rates are typically far higher than what you'd see when borrowing in other ways. So whether a card has a 22% APR or a 25% APR, our position remains: pay down your credit card so you don't end up paying interest!
Meanwhile, through our own experience and by talking with consumers who aren't us, we've come to the conclusion that people often put too much weight on APR when choosing a credit card. In a way it makes sense. APR is a standard, easily comparable number, and lower is naturally better. So when making a difficult choice among credit cards, it's natural to gravitate to something that seems like it can help you make that choice.
For these reasons, we keep APR out of our reviews calculation.
If you find yourself thinking "hey, just wait a second!" while reading this, yes, we know the reality is that many, many people do carry debt on their credit card. And when you have credit card debt, the interest rate does matter.
Our view is that for those that have existing credit card debt, the best plan of action is to focus on paying that debt down first. Balance transfer credit cards can be a great way of drastically lowering credit card interest and allowing debt to be paid down more quickly. There are also cards that specifically market themselves as low-interest-rate cards — which usually still aren't particularly low interest compared to other borrowing methods, but are low compared to most credit cards. There are also consolidation loans available, which allow you to bring all of your loans together and usually get a much better rate to pay them down over time.
So it is our strong suggestion (urging!) that you get serious about not carrying debt on your credit card(s). If you already have credit card debt, work towards paying it down. If your credit rating supports it, consider a balance transfer card or consolidation loan to help in the process. Then, make a plan — a.k.a. a budget — to help make sure you stay out of card debt in the future. And when you've done this, you'll find that APR has very little bearing on which credit card will be best for you.
Naturally, all of this won't be appropriate in every single case. So if you feel that APR is an important factor for you, you can use APR to help you choose.
Will our top credit card picks work for you?
Because we're choosing our featured cards on the idea of the "average Canadian" (whatever that means, right?), our aim is that for most people reading this, yes, our top picks should equate to a better card for you.
There are some instances where our picks may not work for you. Here are the top reasons they may not:
- You spend a lot more than the average person. If you are a really big spender, your results could differ considerably from how we run our calculations. The quick remedy to this is to look for the higher-end cards among those we recommend. You'll likely benefit more from these cards than the average user.
- You spend a lot less than the average person. If you spend a lot less than average, your results will also diverge from how we choose our featured cards. In this case, you'll usually benefit from opting for a card with no annual fee. Yes, the perks may be fewer, but it should work out better for you overall.
- You expect that you will carry a balance on your card. We strongly suggest that you do not carry a balance on your credit card if you can at all avoid it. Borrowing rates on credit cards are not attractive and it's good to exhaust other borrowing avenues and budget adjustments before incurring credit card debt. However, if know that you will need to carry a balance, you should take APR into account in addition to our card picks, since we do not include APR.
What are the types of credit cards?
Rewards cards
Rewards cards are credit cards that help you earn rewards on eligible purchases. The amount of rewards you get depends on the card, and it may depend on the item that you purchase, too.
Points-based rewards credit cards are those that provide you points when you make purchases. You can then exchange those points for a variety of things from goods and services to gift cards or even a statement credit. There are also cash back rewards, which provide cash or cash-like rewards, and we cover those separately below.
Though Canada has numerous points-based rewards cards, some of the best offer a generalized points system that rewards you for all of your spend or on a tiered basis for different types of spend. However there are some more specialized types of points cards that provide higher rewards for shopping at certain places or spending on certain things. The largest two categories here are travel cards and store credit cards.
Travel credit cards
For every purchase you make with a travel card, you get travel miles, which you can redeem for certain travel purchases. "Miles" can be confusing, however, as the miles you earn don't correspond to the distance you can travel. Rather, your miles are more like points, with each point representing a certain dollar value.
For instance, you may have a travel card that gives you one mile for every dollar you spend. That mile, in turn, may equal roughly $.01. In this case, you'd have to earn 20,000 miles (or spend $20,000) to purchase a $200 flight.
Purchases that could be covered by travel miles generally include airfare, car rentals, hotel or other accommodation, cruises, and vacation rentals. As you're looking at travel rewards, look for travel perks, too. Some cards will come with travel insurance, airport lounge access, or no foreign transaction fees.
Store credit cards
If you're a shopper of habit, a store credit card may be right for you. These cards are issued by specific stores, such as Loblaws or Canadian Tire, and they help you get discounts, free stuff, and loyalty points. Of course, store credit cards are only useful if you shop at one store or its chains more frequently than others, as the rewards are usually only applicable at that store.
Cash back credit cards
As the name suggests, cash back cards allow you to earn money back for every purchase you make with your card. How much you get back depends on your card's earn rate, which is typically expressed as a percentage. Depending on the card, you may earn more for certain purchases, such as groceries, office supplies, or even certain brand name items.
For example, let's say you have a cash back card with a 2% earn rate on all purchases, and a 3% earn rate on groceries. For every $100 you spend, you'll get $2 back, and for every $100 you spend on groceries, you'll get $3 back.
Typically, the money that you get back can either be deposited as cash, applied to your statement balance, redeemed for a gift card, or sent to you as a check. Keep in mind, certain purchases won't earn cash back, such as balance transfers, cash advances, gift card purchases, and lottery tickets.
Secured credit cards
Secured credit cards require you to pay a security deposit to open an account, usually one that's equal to your credit line. The idea is that if you don't make a payment, your credit card company can use your deposit toward the unpaid balance.
Credit card companies typically design these cards to help people with low or bad credit scores rebuild their credit. The security deposit helps the company hedge any risks in lending you money, and if you pay your balances frequently enough, you may be able to graduate to another card, one with more favorable rewards.
Balance transfer credit cards
Balance transfer cards allow you to move outstanding debt from one credit card to another, typically to benefit from the lower APR on a new card. These cards often come with a zero or low introductory APR, which can last anywhere from a few months to a year or longer, making them advantageous for those trying to get out of credit card debt. If you pay off your balance before the introductory period ends, you could save a great deal in interest.
Is no annual fee always best?
Not necessarily. Contrary to what you might think, credit cards with annual fees may help you earn money, not lose it. These cards typically have lucrative rewards programs, sign-up bonuses, and built-in perks that make them well worth the costs.
How do you know when a card is worth the annual fee? Simple. Weigh the added rewards against the extra costs. For example, if a credit card has an annual fee of $95, you want to be sure your rewards exceed at least $95. So, for a card with a 5% reward rate, you'd have to spend at least $1,900 to break even ($1,900 x 5% = $95).
What credit score do you need?
In Canada, a good credit score is generally anything above 700.
Keep in mind, your credit score is a three-digit number that lenders use to assess how well you manage your debts. Credit scores in Canada range from 300 to 900, with 300 being poor and 900 meaning your credit is golden.
If your credit score is above 700, you'll likely qualify for most premium and platinum credit cards, though with a score of 750 or higher, you'll get more lucrative offers and lower interest rates. Anything lower than 700 starts to get more complicated. A score that's between 660 and 699 will put you in the "average" category, meaning you may pay a higher APR than most cardholders. If your score is lower than 660, you'll most likely have to take out a secured card, which requires you to put up an initial deposit before you can use the card.
How do credit card rewards work?
Credit card rewards typically work in three big ways: you can earn cash back, credit card points, or travel miles.
- Cash back: when your card has a cash back system, you'll typically get a percentage back for every purchase you make. A 1% cash back rate, for instance, means you'll get $1 for every $100 that you spend.
- Credit card points: instead of a cash back percentage, your credit card company may give you points for every purchase you make, and those points can be converted to goods, services (like travel), or cash-like rewards like gift cards or statement credits. Dollar-values can be calculated for these points, though that value can vary considerably based on what you exchange the points for.
- Travel miles: travel miles work similarly to credit card points. You rack up miles for every purchase you make. The difference between the two systems is travel points usually can only be applied toward travel purchase, whereas credit card points aren't as restrictive.
Most rewards programs allow you to redeem cash back or credit card points as cash, cheques, gift cards, or even as a statement credit. Travel miles are usually only applicable toward travel related purchases, such as airfare and rental cars, though some credit card companies may allow you to apply your miles to your balance.
What credit card fees should you look out for?
Credit card fees can come back to haunt you, but so long as you know which fees arise from which transactions, you can avoid paying them. Here are some common fees to look out for.
Annual percentage rate (APR)
Every credit card has an annual percentage rate (APR), which is charged to unpaid balances. As long as you pay your balance in full each month, you won't pay APR.
Cash-advance fees
Using your credit card to withdraw money from an ATM may seem convenient, but it'll cost you. Every credit card has a cash advance fee, which is either a flat fee or a percentage of what you withdraw.
Additionally, if you don't pay back what you withdraw before your billing cycle ends, you'll pay a cash-advance APR. Keep in mind, in Canada, certain "cash-like" purchases may be treated as cash-advances, such as buying travellers cheques, lottery tickets, casino chips, or wiring money.
Foreign transaction fees
Many credit cards will charge you for making purchases outside of Canada. Sometimes, this fee is a flat rate. Other times, it's a percentage of your purchase. Still other times you can waive the fee completely, if your card allows foreign transaction fees (many travel cards do).
Late payment fees
If you don't pay your minimum balance before your billing cycle ends, you'll pay a late payment fee. This fee is often the most costly, but also the most avoidable. Just pay your minimum before the due date, and you'll dodge this hefty fee.
Overlimit fee
If you exceed the limits on your credit card, you'll pay an overlimit fee for each additional purchase, typically $25 to $30 for each additional transaction.
What credit card terms should you know?
Credit limit
Your credit limit is the most you can spend without paying penalties. Your credit card company will determine your credit limit based on your credit score and the length of your credit history. As long as you keep making payments and use credit responsibly, your limits will grow over time.
Interest-free grace period
During a grace period, you don't pay interest on any purchases you make. Though grace periods vary by card, they typically last through your entire billing cycle. As long as you pay your balance in full before the billing cycle ends, your grace period extends into the next billing cycle. But, if you don't pay your balance in full, your grace period ends, and you'll pay APR on new purchases. Not only that but you'll also pay APR on any past purchases that you still haven't paid off.
Minimum payments
Your minimum payment is the absolute minimum you have to pay in order to avoid paying late fees and remain in good standing with your credit card company. While you definitely want to pay at least your minimum, paying your entire balance is always better, as you'll avoid paying APR, too.
Some offers on The Motley Fool are from our partners — it's part of how we make money and keep this site going. But does that impact our reviews? Nope. Our commitment is to you. If a product isn't any good, our review will reflect that, or we won't list it at all. Also, while we aim to feature the best products available, we do not review every product on the market.


text:
Russia's invasion of Ukraine has multiple dimensions, and the energy dimension is one that has been underestimated. Russia has sought to make Ukraine dependent on its abundant energy since 2006. The reason is simple: Russia wants economic and political control over Ukraine and it wants to enmesh Ukraine's government and elites in a web of energy-based state-sponsored corruption that will only perpetuate that dependence. Russian oil and gas—perhaps the most critical day-to-day weapon in Russia's foreign policy arsenal—passes through Ukraine to Southern, Eastern, and Central Europe, which ties both sides into an unhappy yet hitherto inescapable marriage. …read more
Source: Atlantic Council


text:
Tom Burrall of C. S. Burrall & Son Inc. looks to rebuild Ward 1 under the Democratic Party.
As the current vice president of the Geneva Business Improvement District, a member on the board of directors for Finger Lakes Health and the Seneca Lake Pure Waters Association as well as a commissioner on Geneva Historic Districts Commission, Burrall believes that he ready to represent Ward 1 after "repeated conversations and asks" to run for City Council.
"I would like to bring to the table more open communication with all walks of people that are interested in being part of the process," Burrall said.
Burrall was quick to share that the key issue in his ward seems to be the presence of Hobart and William Smith college students, where the campus prominently resides within Ward 1.
"The key issues in my ward from standing on a lot of porches is what are going to do about those darn college kids," he said.
While many residents informed Burrall about their concerns about college students, he also mentioned that he can simply walk across the street and find that they are not bothersome for others.
Burrall admits to learning about how the Colleges and particularly Rob Flowers has contributed in establishing better neighborhood and community relations and believes that all of the work has not been public enough.
"I think it should be because there are some noisemakers, both residents and on the other side with the students and I think they can be addressed with not a whole lot of effort but we just have to be involved in the process," Burrall said.
One of those steps in ensuring that the Colleges are friendly especially with its Ward 1 neighbors is through requiring students that live off-campus to attend a mandatory meeting in the fall.
"I didn't realize until a couple of taxpayers advised me that there is a mandatory meeting in the fall for all students who are living off-campus," Burrall said.
Burrall also briefly outlined his familiarity with a neighborhood complaint process to address and record disturbances caused by student housing.
With the recent reporting by Jim Meaney of the Geneva Believer, he indicated that the Colleges own 13 properties along Seneca Lake on South Main Street, which are collectively evaluated at an estimated $7,309,000; and Burrall weighed-in on whether the Colleges are obligated to financially contribute more to the city through additional taxes or an increase in the PILOT.
"The college is a business. The municipality is also a business. The college knows the income that it needs to generate their services. The municipality also knows the income or taxes that they need to provide the services to run our community. If an exempt institution can help us achieve those goals, then the municipality can also help the exempt institution in achieving their goals," Burrall said.
While the annual PILOT allocation is considered a start for Burrall, he expresses that it "needs to be continued" but also balances his comments by considering how the Colleges contributes beyond offering payment in lieu of taxes.
"People do not realize that. Oh, the college is getting away with murder. Oh, they don't pay taxes; and of course, that's not true because they also pay property tax right now on some properties that they own in addition to what they're giving the community in the form of the $200,000," Burrall added.
Burrall was also not shy in dismantling all of South Main Street's parking problems.
"The South Main Street crosswalks are horrible, of course. The signage is not proper. It is inconsistent as far as the amount of space between the crosswalk and first parked-car. They're not lit. Night is partly dangerous, especially when there is parking on both sides," he said.
Aside from criticizing the infrastructural faults of South Main Street, Burrall ponders how college students may contribute and accentuate the conflict more broadly.
"Perhaps the school is giving-out more parking permits for students. I don't know how many students are allowed to own a car and to keep that car on-campus but perhaps that's something that should be looked at," Burrall added.
Burrall also shared insights about the Trinity Church variance and how it intrinsically impacts his community in Ward 1.
"I was intimately involved in the process as a commissioner on the Geneva Historic Districts and Structures Commission cause we were asked to chime-in on the process and whether it was the right thing for our neighborhood,"
"The Trinity Church situation was a sign of broken government on many fronts," he said.
Burrall does not think that the decision makers initially recognized how the variance decision sticks with the property and stays indefinitely regardless of future occupants even within a residential neighborhood.
"Rezoning of Trinity Church was in direct conflict with the Comprehensive Plan that took years to develop in our community," Burrall said.
Burrall mentioned that the process of evaluating the variance "failed on so many levels," especially from a business perspective.
"Quite frankly, it was just a process that was actually insulting to the taxpayer of the community, not a Ward 1 resident," he said.
Although the Trinity Church controversy remains in limbo, Burrall is personally "hoping things will be overturned."
Burrall's greatest goal for Geneva is based-on "getting people to work together as much as they can to rise the tide of all of Geneva and the decisions that come about it or before it."
"Our town should not be governed by six councilors and a couple of at-large candidates, and a mayor and a city manager," Burrall added.
Community engagement is crucial to Burrall, emphasizing that "being involved in local decisions is key."
The core tenets of his platform: accessible, approachable and connected, define his ability to govern.
Burrall also admitted that he is not afraid to throw some curveballs at his own team as long as he is "doing the right thing."
"I am connected through organizations. I am connected through history. I am connected through all sorts of decisionmakers in both the town and city of Geneva," Burrall said.
"I think I have a value that is difficult to surpass," he concluded.
Listen to the entire conversation with Burrall below:
More from 'Candidate Snapshot' series exclusively on FingerLakes1.com:
– Valentino brings experience from City Council to Mayor's race (Mayor)
– Pitifer takes life journey onto Geneva mayoral campaign trail (Mayor)
– Gomez vows to fight for residents as campaign continues (Ward 1)
– Burrall for focuses on rebuilding in city council campaign (Ward 1)
– Bill Pealer Jr. takes life of experiences on campaign trail (Ward 2)
– Regan brings non-profit experience to the campaign trail (Ward 3)
– Cass brings past council, mayoral experience to campaign (Ward 3)
– Camera focuses on bringing creativity, experience to Geneva City Council (Ward 4)
– Evelyn Buisch looks to return City to former glory (Ward 4)
– Salamendra targets change through more than activism (Ward 5)
– Bryan Housel brings public safety background to campaign for Geneva City Council (Ward 5)
– Pruett takes independent approach to Geneva City Council race (Ward 6)
– Juanita Aikens looks to bring better representation to Geneva City Hall (Ward 6)
– Anthony Noone looks to bring experience, energy to Geneva City Council (At-Large)
Editor's Note: Special thanks to WEOS and WHWS Station Manager Greg Cotterill for sharing Geneva Candidate Snapshots with FingerLakes1.com.
– By Gabriel Pietrorazio
An undergraduate student at Hobart and William Smith Colleges, Pietrorazio has written for the Town Times of Watertown, Connecticut and Finger Lakes Times in Geneva, New York. He's currently a reporter for FL1 News, and can be reached at [email protected].


text:
News, Reviews, Headlines for the world of Tennis (tennis news)
Expert: Lakers will advance to the play-in tournament1-01-2023 |
The Athletic pundit Jovan Buha believes the Lakers are capable of making it to the play-in tournament this season despite Anthony Davis` injury.
The Lakers will advance to the play-in tournament.
While the severity of Anthony Davis` injury is unknown, and it is not known whether the team is going to make a trade, the Lakers season hangs in the balance. But I think as long as LeBron James is healthy, they have a good chance of staying at 50 percent until Davis returns.
Their young support roster is starting to play out and I think this team can exceed their modest expectations, " writes Buha.
Expert: Lakers will advance to the play-in tournament


text:
Sign up for our daily newsletter
Want latest news, reviews, analysis, deals, and events, and offers from our commercial partners? We've got you.
Here at bunkered, it's a new issue day – in our opinion, the best kind of day there is.
The latest edition is, as usual, crammed full with top-notch content we're sure you'll love.
Whether it's interviews with tour stars, the latest gear or the tuition you need to take your game to another level, we've got it all.
Here's ten good reasons why you can't afford to miss it.
The Open preview
The 150th Open is going to be the biggest and best ever – so it's only right our preview should be the same. We've got a massive 46 (yes, 46!) pages on the oldest major as it returns to the Old Course for this year's historic championship.
Champion golfers
To hear from one of Gary Player, Tom Watson or Jack Nicklaus is a real treat, but that's not enough. Michael McEwan sat down for a chat with all three icons of the sport, all about their memories of St Andrews. Don't miss it.
Tiger's return
Tiger Woods is set to return to the scene of two of his finest victories… but he will be an altogether different animal this time around. Lewis Fraser runs the rule over his chances, and whether it really could be a final farewell.
How to play the Old Course
The world's best will battle it out at the Old Lady, but what's the best way for the average Joe to tackle golf's most famous track? We explain how to go about it.
Have your best ever summer
Desperate to get your game on track for the summer season? We've teamed up with TaylorMade to deliver 16 – yes, 16 – pages filled with every tip you could possibly imagine to give you the edge.
The death cheater
In 2012, Abdul Nevarez was left with one working limb after a motorcycle collision; but three years later, he was back on the golf course. Jamie Hall caught up with him to find out how the game gave him his life back.
10 pages of new gear
On the hunt for your next purchase? We run the rule over the latest golf gear to hit the shelves. We've got the verdict on products from Titleist, PING, Oscar Jacobson and more.
The best tuition
LPGA star Anne van Dam joins us this month to share her swing secrets. We can also teach you how to hole out like a pro, how to get your ball-striking working when it matters and how to putt like Ben Crenshaw.
Ian Rae
The master professional has worked with some of the best in the business. Now he's embarking on a new challenge, and we caught up with him to hear all about it.
Great competitions
Who doesn't love a competition? At bunkered, we certainly do and in issue 194 we've got a huge FIVE chances for you to win. Putters, clothing, balls and more – we've got it all.
Where can I buy it?
Issue 194 of bunkered goes on sale on May 13 and is available from all good newsagents and retailers. Alternatively, you can subscribe here. International subscriptions also available.
More Reads
The bunkered Golf Course Guide - Scotland
Now, with bunkered, you can discover the golf courses Scotland has to offer. Trust us, you will not be disappointed.
Find Courses


text:
Can Sugar Gliders Eat Pecans?
Whether you put them on salads, mix them with chocolate for homemade trail mix, or put them on pies, pecans are a tasty addition to many meals. Since they are so versatile, it's a good thing pecans are also healthy for humans too.
You'd think that since pecans are good for us humans, they would be a fine treat to feed your sugar gliders as well, right? Sadly, some foods that we enjoy as healthy snacks can be very unhealthy for our furry friends.
As a sensible sugar glider guardian, you need to take the time to research any new food you may be thinking of treating your sugar gliders to. You'd hate to accidentally feed them something unhealthy!
So, what about pecans? Can sugar gliders eat pecans? The quick and easy answer is: Yes, sugar gliders can eat pecans. However, there are some rules and guidelines to follow when treating your sugar gliders to pecans. Pecans, just like most treats you treat your sugar gliders to, should be fed in moderation.
How Often Can Sugar Gliders Eat Pecans?
While pecans do have some of the good nutrients sugar gliders need for long and healthy lives, they also are loaded with fat. It's no wonder most sugar gliders love them so much!
All of the extra fat from pecans can really be detrimental to sugar gliders if you're not careful about how much and how often you treat them to pecans.
The good news is, if you have an overall low-fat diet for your sugar gliders, you can treat them to pecans about once a week. Just make sure you rotate the pecans with other low-fat treats that sugar gliders can eat, like cucumbers, to keep your wide-eyed pals from getting chunky.
Since you want your suggies to avoid the downfalls of getting fat, and from losing too much fat at once (if they do become overweight), it is better to not let them get too heavy to being with.
My Sugar Glider Does Not Like to Eat Pecans
We noted above that most sugar gliders will devour pecans when given the chance. If this isn't your sugar glider, don't worry. Just like humans, not every sugar glider will want to eat pecans.
Before you give up on pecans as a treat for your sugar glider, try to offer pecans a few times. Some sugar gliders need a chance to come around to a new food before they decide to try it.
If your sugar glider ends up loving pecans, you'll both be grateful for your patience. Your sugar glider for a yummy new treat, and you for a new way to spoil your special friend.
Most sugar glider owners try to maintain a calcium to phosphorus ratio of 2:1. Depending on the type of pecan you feed your sugar glider, you'll be hitting a ratio of about 0.25 to 1.
You'll need to look up the specifics of the pecans you're treating your lovable pals to get a more accurate assessment. And then adjust their other foods accordingly in order to get their over all diet closer to a 2:1 ratio.
Can Sugar Gliders Eat Pecans Cooked and Raw?
While sugar gliders can eat cooked and raw pecans, raw are best. Make sure the shell of the pecan has been separated from any piece of pecan you want to give your furry friends.
Pecans that have been salted or that have any other flavor enhancers added to them should not be fed to sugar gliders. So, no giving your suggies a bite of pecan from your Thanksgiving pecan pie!
You also want to avoid feeding your sugar gliders pecans that have aflatoxins. These can be hard to detect, so be sure to store your pecan treats correctly, watch the expiration dates, and only feed pecans graded for human consumption or higher.
Rancid pecans are also a 'no-go' when it comes to treating your sugar gliders. Smelly pecans are a good give away that they have gone bad. Usually, sugar gliders are smart enough to avoid eating rancid pecans, but of course, that will not always happen. Follow proper storage guidelines to help prevent your pecans from turning rancid.
Summary: Can Sugar Gliders Have Pecans?
Can sugar gliders eat pecans? In a word: Yes! Sugar gliders can eat pecans. Beware of the high fat content in pecans though. They are so high in fat that too many pecan treats can quickly cause problems for your little buddies. Try to stick with raw pecans when possible and definitely avoid salted pecans.
Don't forget about your sugar gliders' calcium to phosphorus intake and adjust their diet accordingly when you treat them to pecans.
Finally, follow proper storage and handling precautions to help avoid feeding rancid pecans or pecans with aflatoxins to your sugar gliders.


text:
Plexiglass Artwork
We can only deliver to UK delivery addresses. If you are based outside the United Kingdom, please get in touch via our contact us page. Prices may vary in different countries due to increased cost of delivery.
In this dreamy and romantic artwork a young woman walks along a jetty, against a vista of snow-capped mountains reflected in the still lake below. Bringing an element of serene calm to your interiors this photographic artwork has been printed onto plexiglass for a smooth, glossy finish. Part of our curated collection with Cobra Art.


text:
NAS - Nonindigenous Aquatic Species
Towns, G.L. and D. Nelson. 1983. Kalamazoo River Fishery Survey. Michigan Department of Natural Resources.
Reference Number: 29808 Type: Report Author: Towns, G.L. and D. Nelson Date (year): 1983 Report TitleKalamazoo River Fishery Survey Publisher:Michigan Department of Natural Resources Publisher Location: Pages: URL: Keywords: Kalamazoo River, fishery survey, flathead catfish, Pylodictis olivaris
Pylodictis olivaris MI - Kalamazoo River [Station 13] MI - Kalamazoo River [Station 14]
The data represented on this site vary in accuracy, scale, completeness, extent of coverage and origin. It is the user's responsibility to use these data consistent with their intended purpose and within stated limitations. We highly recommend reviewing metadata files prior to interpreting these data.
Citation information: U.S. Geological Survey. [2024]. Nonindigenous Aquatic Species Database. Gainesville, Florida. Accessed [2/25/2024].
Contact us if you are using data from this site for a publication to make sure the data are being used appropriately and for potential co-authorship if warranted.
For general information and questions about the database, contact Wesley Daniel. For problems and technical issues, contact Matthew Neilson.


text:
Prayer & Praise
O God, whose Son Jesus Christ is the Good Shepherd of your people: Grant that, when we hear his voice, we may know him who calls us each by name, and follow where he leads; who, with you and the Holy Spirit, lives and reigns, one God, for ever and ever. Amen.
Acts 4: 23-37
When they were released, they went to their friends and reported what the chief priests and the elders had said to them. And when they heard it, they lifted their voices together to God and said, "Sovereign Lord, who made the heaven and the earth and the sea and everything in them, who through the mouth of our father David, your servant, said by the Holy Spirit,
"'Why did the Gentiles rage,
and the peoples plot in vain?
The kings of the earth set themselves,
and the rulers were gathered together,
against the Lord and against his Anointed'—
for truly in this city there were gathered together against your holy servant Jesus, whom you anointed, both Herod and Pontius Pilate, along with the Gentiles and the peoples of Israel, to do whatever your hand and your plan had predestined to take place. And now, Lord, look upon their threats and grant to your servants to continue to speak your word with all boldness, while you stretch out your hand to heal, and signs and wonders are performed through the name of your holy servant Jesus." And when they had prayed, the place in which they were gathered together was shaken, and they were all filled with the Holy Spirit and continued to speak the word of God with boldness.
Now the full number of those who believed were of one heart and soul, and no one said that any of the things that belonged to him was his own, but they had everything in common. And with great power the apostles were giving their testimony to the resurrection of the Lord Jesus, and great grace was upon them all. There was not a needy person among them, for as many as were owners of lands or houses sold them and brought the proceeds of what was sold and laid it at the apostles' feet, and it was distributed to each as any had need. Thus Joseph, who was also called by the apostles Barnabas (which means son of encouragement), a Levite, a native of Cyprus, sold a field that belonged to him and brought the money and laid it at the apostles' feet.
Psalm 23
The Lord is my shepherd; * therefore I can lack nothing.
He shall feed me in green pastures * and lead me forth beside the waters of comfort.
He shall refresh my soul * and bring me forth in the paths of righteousness for his Name's sake.
Even though I walk through the valley of the shadow of death, I will fear no evil; * for you are with me; your rod and your staff comfort me.
You shall prepare a table before me, in the presence of those who trouble me; * you have anointed my head with oil, and my cup
shall be full.
Surely your goodness and mercy shall follow me all the days of my life, * and I will dwell in the house of the Lord for ever.
1 John 3:1-10
See what kind of love the Father has given to us, that we should be called children of God; and so we are. The reason why the world does not know us is that it did not know him. Beloved, we are God's children now, and what we will be has not yet appeared; but we know that when he appears we shall be like him, because we shall see him as he is. And everyone who thus hopes in him purifies himself as he is pure.
Everyone who makes a practice of sinning also practices lawlessness; sin is lawlessness. You know that he appeared in order to take away sins, and in him there is no sin. No one who abides in him keeps on sinning; no one who keeps on sinning has either seen him or known him. Little children, let no one deceive you. Whoever practices righteousness is righteous, as he is righteous. Whoever makes a practice of sinning is of the devil, for the devil has been sinning from the beginning. The reason the Son of God appeared was to destroy the works of the devil. No one born of God makes a practice of sinning, for God's seed abides in him; and he cannot keep on sinning, because he has been born of God. By this it is evident who are the children of God, and who are the children of the devil: whoever does not practice righteousness is not of God, nor is the one who does not love his brother.
John 10:11-16
I am the good shepherd. The good shepherd lays down his life for the sheep. He who is a hired hand and not a shepherd, who does not own the sheep, sees the wolf coming and leaves the sheep and flees, and the wolf snatches them and scatters them. He flees because he is a hired hand and cares nothing for the sheep. I am the good shepherd. I know my own and my own know me, just as the Father knows me and I know the Father; and I lay down my life for the sheep. And I have other sheep that are not of this fold. I must bring them also, and they will listen to my voice. So there will be one flock, one shepherd.


text:
By signing up to the GCN mailing list, you opt-in to receive marketing and other messages from the Play Sports Network.
With this sock, we gave a nod to arguably the most iconic multi-stage race of them all so say bonjour to these yellow and white socks with the classic Club crest and small French flag on the back. These socks are the perfect way to support the GCN Club and this famous 3-week French road race.
Made in Italy, these yellow and white socks have proven really popular amongst all the GCN presenters and everyone else here at GCN Club HQ. We want you to keep your feet healthy and understand the importance of having high-quality, comfortable cycling socks, which is why every pair of our unique GCN Club socks are produced using only premium performance materials.
Product Features
These socks are exclusively available on the GCN Store to members of the GCN Club


text:
This time in Prince William County outside Washington. Wouldn't it be nice if these schools had some national research to guide them? But no, they are forced to find their own way.
The opinions expressed in Why Boys Fail are strictly those of the author(s) and do not reflect the opinions or endorsement of Editorial Projects in Education, or any of its publications.


text:
Courses are mapped based on the Program Learning Outcomes and the graduate profile that aims to ease the measurement of the graduate outcomes. As an example of this mapping, the Pancasila course has graduate learning outcomes to support attitudes and values with strong values and professionalism with strong values as well. The conformity for the Pancasila course is conformed with all profile types. The complete mapping of each course with each of the graduate learning outcome and the graduate profile of the Undergraduate Program in Computer Science is shown in the table below. This course mapping was designed by taking into account the expected level of understanding strength possessed by the students, which are divided into three levels, namely Strong (S), Medium (M), and Weak (W).
click check boxes to see more each content


text:
Veterans Pkwy n/b at I-55
Unmarked Normal PD squad car parked at split between n/b straight lanes and exit to n/b I-55. N/B traffic on Veterans Pkwy unable to see car until it crests hill over railroad bridge, upon which it is already too late to brake – as cop will have already registered your speed at the top of the hill. There are also no turn-offs from Veterans Pkwy at this location, therefore whether you continue to go straight or get on the ramp to n/b I-55, said cop can get behind you easily. Speed limit on Veterans Pkwy is still 45 mph at this location, but most traffic speeds up in preparation for getting onto I-55.
You need to register before posting a comment. This helps us protect the site from spammers. It's free, it only takes a few seconds to register, and your comments will remain anonymous.


text:
Is This Thing On?
Is This Thing On?
WBEZ brings you fact-based news and information.
Sign up for our newsletters
to stay up to date on the stories that matter.
Long time no see! New episodes of Nerdette Recaps Game of Thrones with Peter Sagal are IMMINENT.
- April 8: Season 8 preview episode
- April 15: Let's talk about who died last night!
- April 22-May 28: So on so on so forth …
Subscribe now (and tell your friends). See you soon!


text:
It's so hard when your pet is really sick ~ taking Buster to the vet
By 965koit on January 21, 2020
Poor Buster, he was so sick over the weekend. Our little buddy started vomiting non stop late Friday night. We called emergency vet and she said it was ok, not an emergency and to go see our normal vet in the am.
Here we are at Pacifica Pet Hospital Saturday morning. They took x rays and thank goodness there was nothing in his stomach that had to be surgically removed. That was my worst fear. He is so sad here.
Our doctor gave him anti nausea medicine, something to coat his stomach and re hydrated him too.
We came home from the vet and Buster slept a lot. He stopped throwing up and rested. We started giving him teaspoons of water and some special food the vet provided to help him get back on track. Cottage Cheese and rice and boiled chicken in small portions brought him back looking for more food.
By Monday he was feeling better and getting outside again and barking at his friends walking by.
Thanks to our friends at Pacifica Pet Hospital and all the vets in the bay area of taking care of our fur babies. When your pet is really sick, it's so scary.


text:
Speedwell Court awarded for 'Outstanding' responsiveness
Abbeyfield Speedwell Court residential care home in Southampton's West End, has been recognised as Outstanding when it comes to responsiveness towards its residents' needs by the Care Quality Commission (CQC), following its recent inspection.
In its first inspection since the home opened in July 2019, the report found that Speedwell Court is exceptionally directed towards meeting the individual needs of its resident, with services delivered in a manner that 'ensured flexibility, choice and continuity of care.'
The report praised the manner in which staff go 'to exceptional lengths' to make sure that the favourite pastimes of the residents from before they took up residency are taken into account in planning the care that they receive, with activities promoted that appeal to their interests, yielding 'exceptional results.'
Examples reported include one resident, who had worked as an art teacher and silversmith, taking part in a charity fashion show held at the home; enabling residents with specific skills to lead activities in those areas, such as singing workshops and exercise classes; and ensuring that a keen football fan, who could no longer attend matches, was given souvenirs and memorabilia to enable to him to continue to enjoy televised games in a special way. Other activities in which residents can express and develop their hobbies include an arts club, gardening, bridge and maintaining garden furniture.
The CQC additionally found that the home is attentive to residents' individual preferences when developing their care plans. Each plan includes the resident's likes and dislikes, and 'guidance for staff to help them deliver extremely personalised care and support.' They ensure that each person's mobility and communications abilities can be maximised to allow them to participate in life at Speedwell Court as much as they wish to, and that their cultural, spiritual and religious needs are fully catered for.
The report noted that Speedwell Court's approach enables the residents to develop strong relationships with their fellow residents, staff and volunteer, to take full advantage of the excellent facilities available to them, and to 'maintain their sense of identity and personality.'
Abbeyfield's Chief Operating Officer, said, "The team at Speedwell Court have worked hard since opening to ensure that standards of care are continuously high, and this report from the CQC is just reward for their efforts. It is very rarely the case that a brand new service would get an Outstanding grading, so achieving this for our work in being responsive is especially pleasing. The whole team at Abbeyfield send their congratulations and thanks to the staff at Speedwell Court."
A resident's family member added:
Congratulations to all at Speedwell Court for the great achievement, which is well deserved. I have been impressed with the way that they have managed during the pandemic and kept the residents safe throughout. Thank you very much.
The CQC gave the home an overall rating of Good, with Good ratings in the remaining areas of Safe, Effective, Caring and Well-led. The full inspection report is available on the CQC website.
Enjoyed this story?
Read more from across Abbeyfield below.
Speedwell Court sows the seeds for sustainable mealtimes
Abbeyfield Speedwell Court, a residential care home in Southampton's West End, has been awarded £500 by the 'Bags of Help' Tesco Community Grant.
A Guide to Successful Retirement Planning
Enjoy your retirement years by planning ahead - ensure you're prepared with our handy guide to successful retirement planning.
Special honour for Southampton resident Chris
There are many famous figures from the world of football to have a trophy named after them. However, the Chris Nicholl Trophy was named after resident of Speedwell Court, Chris, a former player and manager.


text:
Hammer Channel
- Author(s):
- Hannah Plank
- Editor(s):
- Karina Wratschko (see profile)
- Date:
- 2021
- Group(s):
- Multimedia & Technology Reviews Editors
- Item Type:
- Review
- Tag(s):
- 2021October, Video (history and studio)
- Permanent URL:
- https://doi.org/10.17613/hfb3-qe19
- Abstract:
- Launched in 2021 by the Hammer Museum at UCLA and digital projects agency Cogapp, Hammer Channel provides viewers with an accessible and easily navigable portal to view an extensive video archive of the museum's programs virtually and on-demand. Covering the mid-2000s to the present, the site includes lectures, exhibition walkthroughs, panel discussions, and performances and addresses wide-ranging topics, including art, music, social justice, and education, among others. Additionally, by promoting interdisciplinary dialogue and connections, as well as featuring topics related to social justice, Hammer Channel directly contributes to the museum's mission statement: "The Hammer Museum at UCLA believes in the promise of art and ideas to illuminate our lives and build a more just world."
- Metadata:
- xml
- Published as:
- Online publication Show details
- Pub. URL:
- https://multimediatechnologyreviews.arlisna.hcommons.org/13/hammer-channel/
- Publisher:
- Pub. Date:
- October 2021
- Website:
- Multimedia & Technology Reviews
- Status:
- Published
- Last Updated:
- 2 years ago
- License:
- Attribution-NonCommercial-NoDerivatives
Item Name: plank_hammerchannel_mtr_october2021.pdf Download View in browser Activity: Downloads: 4


text:
Together with Companial
Whether you're an existing Microsoft Dynamics partner or considering moving into the Business Applications space we help to scale your business.
Become more efficient and productive with your sales, deployment, upgrades and development projects as you join Companial.
What is Microsoft AIM Modernization Center?
Empower your journey with us, as we guide you to build migration expertise and seamlessly embrace AI ....
Are you keeping a close eye on the ever-evolving world of AI? Join us on this exciting journey of leveraging ...
What is Microsoft Bridge to the Cloud 2 Promotion?
Are you ready to take your Dynamics on-premises customers to the cloud? Companial is here to guide you through the ...
Business Central Universal Code Initiative
We guide you through the details, tactics, and readiness associated with the Universal Code Initiative.
Companial Launches Empowered
Companial and its Partner community have developed Empowered to help resolve Partner capacity challenges, seize new opportunities…
7th March, 2024 |
- 00Days
- 00Hours
- 00Minutes
- 00Seconds
Now trending
New podcast
Customer Retention: what are the biggest challenges in the Dynamics ecosystem, how to overcome them?
Ronald Hoek, Regional Engagement Manager for Hosting services and Germantas Gaurilčikas, Regional Lead in CEE are exploring the customer retention …
What is Microsoft Bridge to the Cloud 2 Promotion?
Are you ready to take your Dynamics on-premises customers to the cloud? Companial is here to guide you through the process with our expert support and resources. As an indirect Microsoft CSP provider in the Microsoft "Bridge to the Cloud 2" promotion, we help Dynamics Price List (DPL) customers smoothly transition to Dynamics 365 online.
ISV Solutions Marketplace
The ISV (Independent Software Vendor) Solution Marketplace provides a centralized location to buy software solutions for your customers. The marketplace is giving you, as our Microsoft business applications partner, access to a range of specialized solutions…