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I am considering joining a MLM but can't decide. Almost everyone I know either does Genesis Pure, Xyngular, or Thrive. I want something that is healthy and simple. Not something you have to do 3-5 items to have great health results. Please help! There are so many choices. I have researched and read reviews, about the companies and they each have pros and cons. Suggestions please Elliot and thanks again for your time and assistance.
I do have to say you are the best at providing great helpful information to others. I feel like you do really care about our success...and I like that!!!I filtered through a lot of lead selling sites. Like I said, Yours sounded the best... being able to actually view what you have and all the helpful tools you have...before actually having to purchase anything. Like I said I really feel safe here...because you seem very sincere to help us succeed... not just provide leads and take our money. So Thank-You again.
There are a few ways to use LinkedIn lead generation as an effective marketing tool. One way that people don't often think of is participating in LinkedIn answers. There is a section on LinkedIn where people ask industry-specific questions and get advice. As an industry insider, you have the knowledge that can help people with these questions. Through participating in a regular dialogue of advice-giving, you can establish yourself as a thought leader. Moreover, you can optimize use of this tool by pointing people to your online blog that gives more information about the subject. Make sure to send them to a blog with a call to action at the end!
With its anti-wrinkle cream and other products, Jeunesse promises to reverse the signs of aging, if temporarily. Jeunesse also sells products to reduce mental distraction, provide nutrition on the go, and help people lose weight. The company's impressive live demos and message of remaining forever young have placed them on Inc.'s list of fastest-growing American companies.
"What causes the average, otherwise shy person to suddenly think they can be a wealth-generating salesman? Because someone showed them "the math." I'm sure you've heard it. All you have to do is find 5 people to join, and those 5 will find five, and those five will get five, and 6 months later you will have 20,000 people working for you, and you'll be earning $10,000 per month. Really?
Multi-level marketing is a strategy some direct-sales companies use to encourage their existing distributors to recruit new distributors by paying the existing distributors a percentage of their recruits' sales. The recruits are the distributor's "downline." All distributors also make money through direct sales of products to customers. Amway is an example of a well-known direct-sales company that uses multi-level marketing.
Hi JP. Good stuff all the way around, my man. Hey, I've been approached by Ariix, & didn't know if have heard of them, and if so, a simple 👍 or 👎 will suffice, unless you'd like to elaborate, of course. One obvious concern I have is that (& can disclose this, since it's of public record/knowledge per the list above), the current leadership in place at Ariix all came from USANA, and given the FBI/SEC became involved with USANA in '07, & Ariix opened in '11, well….I think you know from where I'm coming as it relates to anything you may be able to convey. Thx again, JP, for all of your efforts, & if you'd feel more comfortable in emailing me, obviously that would be perfectly fine! And apologies on this extremely verbose message!😳
Once you are ready to buy leads, understanding which lead product is best for you is the next step. Are you interested in calling leads when their interest is at their highest? Then you will want to purchase Real time leads. Are you just getting started and want to get a lot of practice and build your list with a lesser investment? Then, the discounted, aged leads may be better. Test them out and see what works best for you.
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It seems to me that in your assessment of the top 25 MLM that you had a preference for one essential oil company (Young Living) over the other (doTERRA) which outranked YL. You give a glowing review of YL and state that they "set the standard" & are a "solid pick". While you seem to question why people could possibly like doTERRA with comments like "Users swear by the oils, and for whatever reason, people (and not just people in Utah) are strangely passionate about telling their friends about them." For "whatever reason"??? "Strangely passionate"??? You come across as bias. You also incorrectly state that YL set the standard for quality, while they may have been the first legit EO Co. they didn't set the standard. Infact their lack of wanting to find the purest most potent EO available (which comes from the country the plants are indigenous to) and having strict testing to ensure the purity and potency is why doTERRA was founded, doTERRA set the standard because YL didn't want to. And that is why doTERRA is the #1 EO company and why Young Living is not. Not to mention how well doTERRA takes care of the suppliers through Co-Impacting and how they're improving their lives through The Healing Hands Foundation. The foundation builds wells, schools, provides personal care products as well as many other things. doTERRA is changing lives for the better all around the world so that is one of the "reasons" we're "strangely passionate" about spreading the good news of doTERRA essential oils. Not only are doTERRA EO more potent and purer making the the "solid pick" they are literally saving peoples lives.
Most prospective clients are going to be found online because they are searching for related information and will make the purchase right away. These are the prospects that should be the main focus of any campaign that is being set-up by yourself in order to garner interest. The online world is where the most accessible market is and you are able to work 24/7 without even having to sit on the computer physically.
Although an MLM company holds out those few top individual participants as evidence of how participation in the MLM could lead to success, the reality is that the MLM business model depends on the failure of the overwhelming majority of all other participants, through the injecting of money from their own pockets, so that it can become the revenue and profit of the MLM company, of which the MLM company shares only a small proportion of it to a few individuals at the very top of the MLM participant pyramid. Participants, other than the few individuals at the top, provide nothing more than their own financial loss for the company's own profit and the profit of the top few individual participants.[15]
Most people who try network marketing fail – not because the products they are marketing are poor, but because they do not realise how much effort network marketing is, and how much time they need to put into it. All too often, would-be marketers give up when they get to the six month point, but they are not quite turning a good profit. What they don't realise is that if they had waited it out just a few months more, and kept on marketing and expanding their business, then they could have been profitable.
Agree with most of your comments. Born and raised in the corporate community, we never even considered a MLM until came across one after retirement. Looking back we would have looked seriously at the industry much earlier. In any event, we had one good run until management made a few very bad decisions…killing 40 % of our business. But now we've found a new home with WGN. Among the many differences is they're a technolgy company operating as a MLM…go figure.
Our Telephone Interviewed Leads are not just contact lists. Our Verification Department has contacted each individual lead before you receive it to ensure their seriousness in wanting to start a home based business. You will receive all of their contact information and best time to call so that you are able to contact them at a convenient time and speak with an individual that is sincere about making money from home. We also offer our Telephone Interviewed Leads in female only for any business that prefers contacting only women.
Great listing and especially the honest look at what being in an MLM means. Direct sales is a hard business, especially if you're not passionately using the product daily. You see too many people who join thinking it will be a get rich quick scheme and don't actually care about the product or their customers. Genuine lasts and is successful, companies like Avon and Mary Kay have been around for generations because people love their products.
Although you can generate business leads yourself by advertising or organizing promotional events, buying your leads is actually going to be the most cost-effective method. In fact, we put a lot of effort into keeping our costs as low as possible so we can pass these savings on to you. Essentially, we go above and beyond what we need to do so you, our customer, is happy. If you have any questions about our high-quality leads, be sure to contact us now so we can help you. The sooner you get started, the sooner you can start making more money for your business! And isn't that what it's all about?
Many MLM companies do generate billions of dollars in annual revenue and hundreds of millions of dollars in annual profit. However, the profits of the MLM company are accrued at the detriment to the majority of the company's constituent workforce (the MLM participants). Only some of said profit is then significantly shared with individual participants at the top of the MLM distributorship pyramid. The earnings of those top few participants is emphasized and championed at company seminars and conferences, thus creating an illusion of how one can potentially become financially successful if they become a participants in the MLM. This is then advertised by the MLM company to recruit more distributors to participate in the MLM with a false anticipation of earning margins which are in reality merely theoretical and statistically improbable.[14]
Choosing a company that offer quality training and support may help your business a great deal. You must be taught the rudimentary of marketing, referrals and how to close sales. The best company should help you to upgrade your skills to help grow your business. It must share with you secretes of driving your website and how to effectively utilize the leads. It must help you brand your business and reach to as many clients as possible.
Mindy reports that, "From day one, I failed to acknowledge the biggest sign that something wasn't right – my gut. I felt unsettled from the moment I walked into my so-called interview to the moment I no longer had ties with the company. In further hindsight, the other representatives also displayed unease." The lesson here is to not dismiss your intuition. If it doesn't feel right, scam or not, it's not for you. If you feel coerced or conned, then it's definitely not for you.
A downline distributor is a recruited distributor from whom the sponsor (the one who recruited them) gains commissions. Every compensation plan involves recruiting other distributors to help sell the company's product. Some compensation plans provide higher commissions for recruiting successful distributors (quality over quantity). Other plans only focus on simply hiring more distributors (quantity over quality). Overall, downline distributors help sponsors gain extra commissions.
My network marketing Leads are the best way to follow the golden proverb that somebody must have dropped coming down the mountain, because when it fell, it hit so hard that everyone doesn't think twice about it just being plan common sense. And I don't know why it isn't folded into every California cookie because it is the best way to gain a fortune. This proverb that needs much repeating is "Work smarter, not harder."
Second, many reps and companies know people are leery of and have many misconceived notions about MLM, so they use deception to get prospects to hear their spiel. The important thing for you to remember is to follow your gut feeling. Good reps from legitimate companies that are prevented from using a company name in promotions are usually able to provide some idea about the business (including the name) when talking to you in person (or phone), and are clear that it is a business. Anything else should be suspect.
I don't care where doTERRA in ranked. The oils are good, but the company SUCKS. It is all built on big bloggers. Don't have a big blog – you're going to make pennies while others demand you make a minimum $100 a month order. The company itself has great customer service, but try to reach compliance or tell them that your uplines are making fake accounts or ordering off multiple people in the downline just to ensure they make bonuses and NO ONE listens. It's supposedly geared to help the underdog succeed – this is a gimmick.
The truth is, an MLM business is like any other business. You can succeed with an MLM business if you do what it takes to make money. While most MLM businesses have their own marketing strategies, to be successful, you need to employ the time tested business building activities; find your target market, attract your market, and sell to your market.
I thought That your article was very good. My wife recently joined this company called World Ventures and me being me I figured it would be like some of the other companies that she has joined. You know a bunch of women companies scentsy, 31, etc but the reason I took notice is when she made 500. I know it's not much but i know if she can make that faster than she has with some of the others she has joined without my help then maybe this thing is the real deal. What do you know about it? I have met some of the people and they seem genuine unlike some of these others like Amway and I don't feel like it's all about freaking selling like most of the others. Just shoot it to me straight.
At the other end of the spectrum is buying leads. This is also not the best option since it can be very expensive and may result in leads that may not actually be interested in your products or business. These are not great leads, either. The best leads will always be the ones you generate yourself—people who have shown some sort of interest in what you have to offer.
Actually, it really doesnt matter when you join a company. It all depends on the person deciding to jump in and work it as a real business. That means sharing your love of the products and showing up daily. You are compensated for your efforts if you should decide to build a team. You inspire, motivate, and lead others while working on your own business. In my experience, it's extremely rewarding to know you have a opportunity or as i see it as a gift that is going to help someone.
Although you can generate business leads yourself by advertising or organizing promotional events, buying your leads is actually going to be the most cost-effective method. In fact, we put a lot of effort into keeping our costs as low as possible so we can pass these savings on to you. Essentially, we go above and beyond what we need to do so you, our customer, is happy. If you have any questions about our high-quality leads, be sure to contact us now so we can help you. The sooner you get started, the sooner you can start making more money for your business! And isn't that what it's all about?
Not only do we pride ourselves in providing Top Quality MLM Lead Generation Services, but also in the best Customer Service. Also, we provide great training, live training calls every week plus our 20 module training course located at https://leadpower.net/livedials Your satisfaction is most important to us! You are able to reach our Customer Service Representatives either by phone or email, whichever is more favorable to you. We are the best in customer service because we want to help you succeed! If you serious about your mlm leads, then leadpower is the only choice for mlm leads and training.
The most important thing that you can do for yourself is get started with a good list of qualified MLM leads. Whether you are in search of fresh or aged leads, we can help you. We are one of the largest supplier of qualified MLMs leads on the internet. When you work with us, you will be certain to receive a list of some of the most serious and enthusiastic prequalified prospects who can be relied upon to have a much higher rate of response than the average list.
Fast forward to 2017. LuLaRoe is the biggest MLM for women. "More than 80,000 women have paid around $5,000 for several boxes of low-cost clothing and worked as much as 80-hour weeks to outfit hundreds of thousands of suburban women in multicolored polyester. But according to a report that studied the business models of 350 MLMs, published on the Federal Trade Commission's website, 99% of people who join multilevel-marketing companies lose money. Depending on how you look at it, it's either a brilliant business model or a predatory practice — or a little bit of both." (FTC)
Twitter offers a more automated means of lead capture. With a target web site, either your own or the 'offer' money site, you are in a position to write short articles or blogs and then post Tweets carrying links to these articles. Keep those down to about 10% of the total, linking the other 90% to interesting on-topic snippets elsewhere on the web. Then use a good scheduler to queue a week or two's Tweets and then let it run on auto pilot.
Each company will have a different startup cost, which is a fee that new distributors must pay to begin distributing. Companies with high startup costs are more likely to be recruitment-centric MLMs. MLMs that focus on recruitment are generally called pyramid schemes, or schemes designed only to tie down new recruits instead of selling quality products to interested customers.
Choosing a company that offer quality training and support may help your business a great deal. You must be taught the rudimentary of marketing, referrals and how to close sales. The best company should help you to upgrade your skills to help grow your business. It must share with you secretes of driving your website and how to effectively utilize the leads. It must help you brand your business and reach to as many clients as possible.
Here is how they mostly work: You sign up and pay the buy-in fee to receive your startup kit, and then you start clogging everyone's social media feeds about your new venture and beg your friends and family to join you on your "journey to financial success". You host a bunch of fake parties and wine tastings or worse, you meet up one-on-one to catch up and the whole thing turns out to be nothing more than a demo and sales pitch where you guilt your friends into buying stuff they don't want or need. After you subject them to that, you then try to recruit them to join your team of consultants, or whatever term your particular MLM uses.
Our Telephone Interviewed Leads are not just contact lists. Our Verification Department has contacted each individual lead before you receive it to ensure their seriousness in wanting to start a home based business. You will receive all of their contact information and best time to call so that you are able to contact them at a convenient time and speak with an individual that is sincere about making money from home. We also offer our Telephone Interviewed Leads in female only for any business that prefers contacting only women.
Choosing a company that offer quality training and support may help your business a great deal. You must be taught the rudimentary of marketing, referrals and how to close sales. The best company should help you to upgrade your skills to help grow your business. It must share with you secretes of driving your website and how to effectively utilize the leads. It must help you brand your business and reach to as many clients as possible.
The main sales pitch of MLM companies to their participants and prospective participants is not the MLM company's products or services. The products/services are largely peripheral to the MLM model. Rather, the true sales pitch and emphasis is on a confidence given to participants of potential financial independence through participation in the MLM, luring with phrases like "the lifestyle you deserve" or "independent distributor."[16] Erik German's memoir My Father's Dream documents the real life failures of German's father as he is lured into "get-rich-quick" schemes such as Amway.[17] The memoir illustrates the multi-level marketing sales principle known as "selling the dream".[18]
Hey Erica, I'm a doterra gal also. Just over 3 years ago I just wanted to see if these hippie oils really worked from there I couldn't keep my mouth shut and I share with whomever will listen. I recently read this in the leadership magazine and I love it. "An oil for every household, a drop to change a life". That is my goal. I never plan to get rich off my sharing but if I can change a life, help someone along the way it will be worth my time.
8. Direct-mail lists and fax and e-mail broadcast lists. There are many mailing list companies with databases that target specific interests. Creating a good letter offering a free tape or product sample can generate leads. Always drive them to your Web site. Get to your prospects even faster by broadcast faxing or e-mail blasting. There are professional companies that can help you with this.
It is only the best mlm leads companies that can facilitate the best process to grow your business. It should be able to adjust to your times and provide you with an interface that can help you reach your goals. A company that can help you built your name, reach more customers within a short period of time could help move your business to the next level.


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amazing gracesDownload Book Amazing Graces in PDF format. You can Read Online Amazing Graces here in PDF, EPUB, Mobi or Docx formats.
Amazing GraceAuthor : E. S. Turner
Genre : Biography & Autobiography
File Size : 75. 35 MB
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The author offers an anecdote-packed study of 'godhead, eccentricity, noblesse oblige, self-indulgence and landlordism'; but his eye for the outrageous does not prevent him from paying tribute to those dukes to whom humanity has been much indebted. This book surveys the dukes of Great Britain in their prime, chiefly in the 18th and 19th centuries.
Amazing GracesAuthor : William Morris
Genre : Grace at meals
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The Very Revd. William J. Morris has been Minister of Glasgow Catherdral since 1967 and has become famous for his ability to pen graces appropriate for formal dinners and professional gatherings. This book comprises 150 graces for those involved in various professions.
Low Cost Water Supplies And ConservationAuthor :
Genre : Developing countries
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This volume features a collection of the graces that have been given at the Rotary Club of Coventry Breakfast as specific introductions and welcomes to those attending, Half of the proceeds from sales of the book goes to charities - to marginal farmers projects in Kenya, Rotary Foundation, and Rotary International projects.
Amazing GracesAuthor : Julie Dortch Cragon
Genre : Religion
File Size : 73. 66 MB
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"Amazing Graces" provides a look into Catholic sacramentals--what they are and the blessings they bring.
Amazing GraceAuthor : Kathleen Norris
Genre : Religion
File Size : 90. 61 MB
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A NEW YORK TIMES NOTABLE BOOK OF THE YEAR From the New York Times-bestselling author of The Cloister Walk, a book about Christianity, spirituality, and rediscovered faith. Struggling with her return to the Christian church after many years away, Kathleen Norris found it was the language of Christianity that most distanced her from faith. Words like "judgment," "faith," "dogma," "salvation," "sinner"—even "Christ"—formed what she called her "scary vocabulary," words that had become so codified or abstract that their meanings were all but impenetrable. She found she had to wrestle with them and make them her own before they could confer their blessings and their grace. Blending history, theology, storytelling, etymology, and memoir, Norris uses these words as a starting point for reflection, and offers a moving account of her own gradual conversion. She evokes a rich spirituality rooted firmly in the chaos of everyday life—and offers believers and doubters alike an illuminating perspective on how we can embrace ancient traditions and find faith in the contemporary world. From the Trade Paperback edition.
Amazing GraceAuthor : Richard Tomlinson
Genre : Biography & Autobiography
File Size : 71. 97 MB
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On a sunny afternoon in May 1868, nineteen-year-old Gilbert Grace stood in a Wiltshire field, wondering why he was playing cricket against the Great Western Railway Club. A batting genius, 'W. G.' should have been starring at Lord's in the grand opening match of the season. But MCC did not want to elect this humble son of a provincial doctor. W. G's career was faltering before it had barely begun. Grace finally forced his way into MCC and over the next three decades, millions came to watch him - not just at Lord's, but across the British Empire and beyond. Only W. G. could boast a fan base that stretched from an American Civil War general and the Prince of Wales's mistress to the children who fingered his coat-tails as he walked down the street, just to say 'I touched him'. The public never knew the darker story behind W. G.'s triumphal progress. Accused of avarice, W. G. was married to the daughter of a bankrupt. Disparaged as a simpleton, his subversive mind recast how to play sport - thrillingly hard, pushing the rules, beating his opponents his own way. In Amazing Grace, Richard Tomlinson unearths a life lived so far ahead of his times that W. G. is still misunderstood today. For the first time, Tomlinson delves into long-buried archives in England and Australia to reveal the real W. G: a self-made, self-destructive genius, at odds with the world and himself.
Saving Amazing GraceAuthor : Susan Becker
Genre :
File Size : 60. 29 MB
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Amazing GracesAuthor : June Cotner
Genre : Juvenile Nonfiction
File Size : 76. 4 MB
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A collection of prayers and poems for reading in the morning, at meals, at bedtime, or anytime.
The Amazing Grace Of FreedomAuthor : Ted Baehr
Genre : Biography & Autobiography
File Size : 64. 55 MB
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The story of making the movie Amazing Grace and the history of William Wilberforce. The book will have stills from the movie
Amazing Grace For MothersAuthor : Emily Cavins
Genre : Religion
File Size : 35. 80 MB
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Amazing Grace for Mothers will lift your heart and send your spirit soaring. You will laugh, you will cry, but most of all you will refresh your mothering through stories of love, inspiration, miracles, and God's amazing grace. This collection of 101 stories will bring you the warmth and support of other women, all dedicated to the same glorious role - motherhood. In these pages, you will meet: A mother who hears the most beautiful word in the world - "mom" - from a son who came out of a 19-year coma just moments before. A NFL football star whose sacrificial giving to underprivileged kids is the result of the life lessons instilled by the single mother who raised him. A mother with a troubled pregnancy who seeks the intercession of St. Therese of Lisieux (the "Little Flower") and is answered with both roses and a miracle. A pregnant wife with cancer whose husband exhibits heroic love after she reveals a long-hidden secret. A mother whose fight to live after an unbelievable fishing accident is fueled by her unrelenting love for her two daughters.

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Payday loans, sometimes referred to as cash advance loans, have received quite a bit of bad press, but when used properly, a pay day loan can have a definite upside. A short term financial bind can happen to a lot of people and being able to get a small loan quickly can save you money by avoiding costly late fees or overdraft charges. Sure, $50 is a steep price to pay for a $300 payday loan, but if it means you are able to get your rent check, house payment, or car payment in on time and avoid the hefty late fees and possible damage to your credit score, it is more than worth it.
According to a study by The Pew Charitable Trusts, "Most payday loan borrowers [in the United States] are white, female, and are 25 to 44 years old. However, after controlling for other characteristics, there are five groups that have higher odds of having used a payday loan: those without a four-year college degree; home renters; African Americans; those earning below $40,000 annually; and those who are separated or divorced." Most borrowers use payday loans to cover ordinary living expenses over the course of months, not unexpected emergencies over the course of weeks. The average borrower is indebted about five months of the year.[14]
When you borrow from Blue Trust Loans, you'll receive the funds you need and will be able to pay your loan back in installments, rather than in full. You can borrow up to $2,000, and the application process is quick and simple. Just go on the website and complete the application. You will be asked some personal information as well as information about your employment and income and your bank account, which is required to deliver your funds. A representative will call and verify information, and if you are approved funds can be deposited into your account as soon as the next business day. To qualify for a loan with Blue Trust, you need to be at least 18 years of age, and you need to be a citizen of the country. You also need to have a steady job, so the company will feel confident that you can repay the loan. You cannot be involved in bankruptcy proceedings or intend to file for bankruptcy. Blue Trust places other limitations and follows the Texas lending laws, such as the Military Lending Act.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Depending on the state you live in, you may be able to obtain an installment loan or a line of credit. Snappy Payday Loans specializes in arranging payday loans online. However we also understand your need for more flexible payment terms than a traditional online payday advance. That's why we also arrange for installment loans and lines of credit with trusted lenders. You can borrow more and get more payment terms too! See our cash advance page for more details!
Before you apply, ensure that you won't have any problems in repaying the loan. If you think you might have trouble, don't take out the loan. Late or missed payments come with increased fees, charges and interest rates on top of negatively impacting your credit. Always work the repayment schedule into your budget, and the best loans will remain the best.
For many people in Dallas who have borrowed from payday loan lenders, repaying their debt takes most of their paycheck. You can take your paycheck back with installment loans from Blue Trust to get you out of your financial bind. Simply go online to apply for a loan at Blue Trust today and once approved, you can get the funds as soon as the next business day. These loans are a better alternative to payday loans, and they could get you back on track with your finances. Apply today!
We stuck with direct lenders who comply with state laws. A good way to tell if a lender follows the rules is if its website asks what state you live in before giving you a quote. If a lender says all loans have the same fee no matter where you live, that's a tipoff you may be dealing with a less-reputable lender you should avoid. We didn't include any of those lenders on our lineup.
First-time online payday loans applicants can borrow between $200 and $600. Repeat borrowers with positive payment histories can be approved up to $1000. Mypaydayloan.com urges clients to borrow what they need and what they can comfortably pay back with their next paycheck. If you are looking for a small payday loan, please visit our Small Cash Advance Loans page.
Have unexpected bills or car repairs caught you off guard? Has your budget been stretched too tight this month? If your current finances won't see you through to your next payday, a short-term loan could help bridge the gap. You can conveniently apply for these loans online to receive your funds either by check, direct deposit or cash pickup in a store. The application process typically takes minutes, and you can see your funds quickly if you're approved — in as little as 15 minutes with some lenders.
Adam West is the Managing Editor for BadCredit.org, where he regularly coordinates with financial experts and industry movers and shakers to report the latest information, news, and advice on topics related to helping subprime borrowers achieve greater financial literacy and improved credit scores. Adam has more than a dozen years of editing, writing, and graphic design experience for award-winning print and online publications, and specializes in the areas of credit scores, subprime financial products and services, and financial education.
With alternative payday loans, you may have the option to refinance your loan if you're making payments consistently on time. Refinancing your loan could lower your interest rate and help you save on the overall amount of the interest paid on the loan. You can also extend the length of the loan, which would lower your monthly payments but result in paying more in overall interest.
Lenders are within their rights to file reports with the three major credit bureaus—Experian, Equifax and Transunion—if you fail to repay your loan. This negative remark will lower your credit score and may make it impossible for you to obtain short term loans or other forms of credit in the future. However, once you have repaid your debt to your lender in full, this will be reported to the credit agencies and the negative remark will be removed from your credit history.
Many countries offer basic banking services through their postal systems. The United States Post Office Department offered such as service in the past. Called the United States Postal Savings System it was discontinued in 1967. In January 2014 the Office of the Inspector General of the United States Postal Service issued a white paper suggesting that the USPS could offer banking services, to include small dollar loans for under 30% APR.[93] Support and criticism quickly followed; opponents of postal banking argued that as payday lenders would be forced out of business due to competition, the plan is nothing more than a scheme to support postal employees.[94][95]
Making regular payments is a must, and consumers must refrain from using credit cards while in the program. The Federal Trade Commission (FTC) urges consumers to carefully review DMP terms and ensure creditors are willing to work within its confines before jumping in. Keep in mind this isn't a quick fix. Paying off debt through a DMP can take years depending on how much debt you have.
Editorial Note: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however all credit card information is presented without warranty. After you click on an offer you will be directed to the credit card issuer's web site where you can review the terms and conditions for your offer.
We'd like to add two more pieces of advice to those who are shopping around for a loan; 1) If a lender offers you more than you can afford to borrow, you can ask them to lower it. Take advantage of that opportunity as it will ease repayment, and 2) Avoid the temptation of paying to extend your loan duration (often called a "roll over"). Instead of paying a fee to postpone your repayment date, ask your lender for a payment plan.
RISE also offers tools to help you build your credit. You can sign up for Credit Score Plus, which lets you check your TransUnion score and sends you alerts when something impacts your credit. Having bad credit can close avenues to less costly loans, so having tools that help you improve your credit can help you avoid paying the expensive rates payday lenders charge.
I was wondering what kind of trouble I could get into if we are unable to pay back our payday loans. Our income is ssdi. We originally had 4 payday loans but one let us do an installment loan. We thought we could handle trying to pay things back but it has come to the point that everything else has to be let go because of the fees have changed and become super high from the time we had first taken out the loans. Everything can be directly taken out of our bank account if the payment isn't made and that would be bad. But we are getting disconnect notices on our utilities because we were trying to keep these paid because we were afraid of going to jail because we were told if the amount was 500 or over it was a felony charge and all 3 are 500 or more each and the installment is 850 totaling at one time the amount we would have to pay over $4,000 so this is why we are so scared. But I have children and if we can't pay rent or utilities we could lose them as well.. We have not missed any payments on the loans but its to the point that we can't do it anymore and I know we did this to ourselves but we really need help on what to do. should we close out our bank account and see what happens with the companies and try to mediate with them or file bankruptcy I really need help I am stressing and feeling like there is no help and no end I cant see a light
In order to request a short term loan through this website, you should first fill out our short, easy and secure online form. Once you click to submit it, this information will be forwarded throughout our network of lenders who will review your details and determine whether or not they can offer you a credit. Since each lender is different and we have no say in the rates and fees you are charged for a loan, we urge you to take the time to review the details of each offer you receive very carefully before you accept or decline it. Once you have found a loan offer that works for you, you will be asked to provide your electronic signature; this binds you into a contract with the lender which means that you are legally obligated to adhere to the terms in the loan agreement. You are never under any obligation to accept an offer from any lender and you may cancel the process at any time without penalty. We will not be held accountable for any charges or terms presented to you by any lender and we are not responsible for any business agreement between you and any lender.
Welcome to Carolina Payday Loans, Inc.! We are pleased you have chosen us to be your payday loan lender. Our team of representatives is committed to making your payday loan experience rewarding and hassle-free. We realize everybody may need a little help between paychecks from time to time, and we take satisfaction in helping our customers find short-term cash solutions.
Twelve million Americans use payday loans every year, according to the Pew Charitable Trusts. Generally anyone with a checking account and steady income can obtain a payday loan. However, it is most common for borrowers who don't have access to credit cards or savings accounts to use this type of loan. "Payday loans for bad credit" are attractive to people with no credit or credit problems.
You typically face an emergency situation when you seek out short-term loans, so find out the payday lender's response time for support issues. Delayed replies make it harder to get the money you need in time. ##Clear borrowing terms## Are you forced to investigate the fine print to discover all relevant loan terms? The best companies that offer payday loans give you an easily-understood contract. You know exactly how much you'll pay, your payment due dates and other relevant information.
A 2012 report produced by the Cato Institute found that the cost of the loans is overstated, and that payday lenders offer a product traditional lenders simply refuse to offer. However, the report is based on 40 survey responses collected at a payday storefront location.[43] The report's author, Victor Stango, was on the board of the Consumer Credit Research Foundation (CCRF) until 2015, an organization funded by payday lenders, and received $18,000 in payments from CCRF in 2013.[44]
Payday loans, sometimes referred to as cash advance loans, have received quite a bit of bad press, but when used properly, a pay day loan can have a definite upside. A short term financial bind can happen to a lot of people and being able to get a small loan quickly can save you money by avoiding costly late fees or overdraft charges. Sure, $50 is a steep price to pay for a $300 payday loan, but if it means you are able to get your rent check, house payment, or car payment in on time and avoid the hefty late fees and possible damage to your credit score, it is more than worth it.
These arguments are countered in two ways. First, the history of borrowers turning to illegal or dangerous sources of credit seems to have little basis in fact according to Robert Mayer's 2012 "Loan Sharks, Interest-Rate Caps, and Deregulation".[41] Outside of specific contexts, interest rates caps had the effect of allowing small loans in most areas without an increase of "loan sharking". Next, since 80% of payday borrowers will roll their loan over at least one time [11] because their income prevents them from paying the principal within the repayment period, they often report turning to friends or family members to help repay the loan [42] according to a 2012 report from the Center for Financial Services Innovation. In addition, there appears to be no evidence of unmet demand for small dollar credit in states which prohibit or strictly limit payday lending.
These arguments are countered in two ways. First, the history of borrowers turning to illegal or dangerous sources of credit seems to have little basis in fact according to Robert Mayer's 2012 "Loan Sharks, Interest-Rate Caps, and Deregulation".[41] Outside of specific contexts, interest rates caps had the effect of allowing small loans in most areas without an increase of "loan sharking". Next, since 80% of payday borrowers will roll their loan over at least one time [11] because their income prevents them from paying the principal within the repayment period, they often report turning to friends or family members to help repay the loan [42] according to a 2012 report from the Center for Financial Services Innovation. In addition, there appears to be no evidence of unmet demand for small dollar credit in states which prohibit or strictly limit payday lending.
How long does it take to process the loan? Some of the best short-term loans ensure that you have access to the approved funds the following business day. A limited number of lenders provide prepaid debit card loans which can give you access to funds quickly after approval by transferring the amount to your eligible card. You can then use the money anytime and anywhere.
Atlas Credit believes in handling our customers and their personal loans the right way. All you have to do is fill out our online loan application form in minutes and receive confirmation of your personal loan and the amount you qualify for. Then, because of our long term repayment options, you can pay back your loan more comfortably and with smaller payments than you could with a normal payday loan.
Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: Free withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.
Title loans are very risky. Because you use your vehicle as collateral, it can be taken by the lender if you don't make your payment or come to an alternative arrangement. Often, that means rolling over your loan. The Consumer Financial Protection Bureau studied title loans and found that over 20 percent end in a car being repossessed. Only 12 percent of borrowers pay off the loan without having to renew. More than a third of borrowers end up taking out more than seven loans, meaning they have to pay nearly as much in fees as they borrowed in the first place.
If you already have existing credit card debt and you're in need of emergency funds, but you have average to good credit, consider the Discover it® Balance Transfer card. The card offers an extended, 18-month window for you to transfer and pay off existing debt. And cardholders even enjoy 0% intro APR period for their first six months on purchases. (After both introductory periods end, ongoing APR is 13.99% – 24.99% variable.)
Consent to Auto-dialed Marketing Calls and Text Messages. By checking the "I AGREE" box, you authorize Fast Payday Loans, Inc. (or its agents), to make telemarketing calls and send marketing text messages to your telephone number listed above using an automatic telephone dialing system on a recurring basis. Signing this consent is not a condition of purchasing property, goods or services through us. If you do not wish to receive sales or marketing calls or texts from us, you should not check the "I AGREE" box. You understand that any messages we leave for you may be accessed by anyone with access to your voicemail or texts. You understand that your mobile phone service provider may charge you fees for calls made or texts sent to you, and you agree that we will have no liability for the cost of any such calls or texts. At any time, you may withdraw your consent to receive marketing calls and text messages by calling us at 800-922-8803, emailing us at firstname.lastname@example.com, or by other reasonable means. Alternatively, to stop marketing text messages, simply reply "STOP" to any marketing text message that we send you.
Read all of your loan agreement. And make sure to ask questions too. Don't just look at the interest rate for your loan, also look at the APR—this will include any additional fees that you're being charged and will give you a better idea of how much the loan actually costs in comparison to other loans. If the lender cannot answer the questions that you're asking them, then they are NOT a lender you should be working with!
Availability: This service is not available in all states. Please review local laws and regulations for availability in your particular state. The states this website services may change from time to time without notice. All actions taken on this site, or legal concerns addressing this site, are deemed to have taken place in Nevada, regardless of the location from where you access this site.
As for the banking details, you need to know your next payday date, ABA/Routing, and the Account number. To get a loan same day you do not need to have the answers to pile of questions. Just some basic information to get the process of your next day loans started. Before submitting your payday loans online form, make sure you have filled in everything right.
If you're looking for a quick and easy way to get the cash you need, Texas Car Title & Payday Loan Services, Inc. offers Lone Star residents with title, payday and signature installment loan options to choose from in several store locations across the state. If you've been hit with the stress of a last-minute expense, Texas Car Title & Payday Loan Services, Inc. could help you find some relief.
Before you apply, ensure that you won't have any problems in repaying the loan. If you think you might have trouble, don't take out the loan. Late or missed payments come with increased fees, charges and interest rates on top of negatively impacting your credit. Always work the repayment schedule into your budget, and the best loans will remain the best.
By checking the "I AGREE" box, you consent to receive the disclosure immediately below electronically. You may withdraw your consent by unchecking the "I AGREE" button before continuing, but understand that doing so means that we will not be able to contact you as described below. To update your contact information or obtain a copy of the disclosure, you may call us at 800-922-8803, or email us at firstname.lastname@example.com. You understand that you need a computer with Internet access and a compatible browser to view, print or save this disclosure.


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Today I've found you the perfect Eastern European mini break. Prague is a very popular destination and this hotel is a great base for your trip.
4* Prague Break
Located in the heart of Prague's castle district, you have the sights and sounds of the city right on your doorstep when you stay in the 4* Design Hotel Neruda (rated 4.5 on Tripadvisor). Prague 'the City of a Thousand Spires' is as charming as it is picturesque. Imagine gold-tipped towers, cathedrals, bridges and church domes, all reflected in the Vltava River for more than ten centuries, and you will have a little idea of Prague's magic. Take a magical stroll down cobbled lanes through the Old Town and visit Prague's 9th-century castle. Rise before dawn to watch the sunrise over the stunning Charles IV bridge and capture a breathtaking view that you will never forget.
This beautiful boutique hotel has a historic exterior and sleek modern interiors. The cosy wellness area is a wonderful place to retreat to after a day's sightseeing, with a hot tub, Jacuzzi and treatment rooms. Rooms are light and airy, with a neutral colour palette creates a calming atmosphere. Facilities include a queen size bed, free Wi-Fi, free bathroom cosmetics, safety deposit box, satellite TV and a minibar.
What more could you ask for in a city break? Head over to Voyage Prive and book your luxury getaway today.
- 2 Nights incl. 4* Hotel, Breakfast & Flights only £121 pp
- Provider: Deal must be booked with Voyage Prive (with free online registration)
- Travel dates: 31 October – 2 November 2017
- Length of stay: 2 Nights (3 days)
- Airport of departure: London all airports
- alternative airports:
Manchester (£146)
Edinburgh (£135)
Birmingham (£206)
Glasgow (£212)
Bristol (£147)
Liverpool (£122)
Newcastle (£256)
Belfast (£263)
Leeds (£250)
- Airline: Ryanair
- Hotel: 4* Design Hotel Neruda
- Rating: 4.5/5 on TripAdvisor out of 1,041 reviews
- Destination: Prague, Czech Republic
- Meals: Breakfast
- Price: only £121 per person based on 2 adults sharing


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Sapphirestar Cats
Stud Boys
|Southpole Jack Daniels
Seal preferred pattern Snowshoe
Jackie is the most stunning Snowshoe from the world renowned Southpole cattery.
He is a gentle boy with a friendly character. He loves his cuddles and is a sweetheart, as well as of super type.
Jackie was born in 2011 he is fourth generation, carries blue and is proven. GCCF and TICA registered. He is open stud to suitable active registered and health tested girls. £350
Huge thanks to Dawn Minicozzi for enabling me to have Jackie.
|Sapphirestar Maverick
Seal tabbypoint Bi-colour Snowshoe
Monty is a stunning boy with fantastic eye colour. He is an extremely rare spotted tabbypoint Snowshoe, most tabbies are ticked or mackerill, but Monty looks like a snow spotted Bengal in pattern. Monty is a huge chunky boy like his Dad and he is very playful. He is third generation Snowshoe from BSH lines. Monty inherited the tabby gene from his Champion mother Cameo and the chocolate gene from his Champion father Yeti.
Monty was a great hit with the public on the Snowshoe Cat Society's Meet the Cats stand at Supreme Cat Show 2017. Half of his kittens born are likely to be tabbypoint.
Closed stud
|Sapphirestar Oberon
Seal point preferred pattern
Bron is a stunning boy with a gentle personality. He is very playful and likes people on a one to one basis.
He has a super pattern and is big chunky boy as he does eat well. Mum May is a Champion Snowshoe, Dad is my very outgoing Indy.
Limited stud £300
kitten looking at camera
|Sapphirestar Adonis
Blue colourpoint
Donald is a live wire with a cheeky character. A very pretty boy with a big personality, Don carries cinnamon. Adonis is 4th generation Snowshoe, his Mum Rio is a lovely type colourpoint and Dad Hercules is a Grand Champion.
Adonis had a red card day at his first show - winning all his classes and was overall Best in Show Household Pet.
Seal and blue kittens depending on the queen.
Limited stud £250
|Sapphirestar Quintessential
Seal tabbypoint preferred pattern
Chester is 4th generation and carries chocolate and dilute.
A very outgoing boy, big and very playful. He is a sweetie and a lovely easygoing boy.
Chester is the son of our Grand Champion Elsa and lovely gentle tabby stud Monty. He won best in show kitten at the Snowshoe Cat Society Show 2019.
Born Sept 2018 unproven, closed stud at present
kitten on the left
kitten top left
We have secure, purpose built stud accomodation with large runs and generous sized housing. Protected by CCTV.
My boys have a house and run each and have company from other cats when they are not entertaining.
The houses are fully insulated and have electric heating and lighting. We have built in queens quarters to enable visiting queens to settle in undisturbed. Please click here for full stud terms and conditions.
|Home Page


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People Carrier Hire London
Posted on 19/12/2013 by John Morley
People Carrier Hire in London
Finding a people carrier to hire in London can be often be a difficult process. Most car hire companies only have a small supply of people carriers which get booked out well in advance.
At Spaceships Campervan Rentals we have a large fleet of Toyota people carriers for hire. We are located in West London, close to London Heathrow Airport. Our location means you can be on the M4 or M25 motorways within a few minutes.
People Carrier Hire in Ealing
To get to our depot from Ealing, just jump on the train at Ealing Broadway station and head to Hayes & Harlington station. We are just two minutes walk from the station.
People Carrier Hire Central London
From central London you will need to get to London Paddington train station. Take an overland train to Hayes & Harlington station and then walk to our depot.
People Carrier Hire Heathrow
If you are arriving at London Heathrow airport and need a people carrier then jump on the Heathrow Connect train. In 4 minutes you will arrive at Hayes & Harlington station. It's then just a 2 minute walk to the depot.
More information on our London depot can be found here.
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When you are renting a 5, 10, 15, 20, 30 or 40 yard dumpster, you want a company you can trust with prices that make you smile. Give us a call today and see the difference we can make in your next construction or clean out project.
Simply give us a call and we will help you figure out your dumpster rental needs.
Our dumpsters usually go out same-day or next-day depending on when you call.
We provide top-notch service, while going easy on your bottom line. What more could you ask for?
Our trained operators are here to give you a fast and hassle-free experience from start to finish.
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Our staff is here to help whenever you need it. Simply pick up the phone and give us a call.
Most cities or municipalities do not have many regulations regarding dumpster rental as long as you keep the dumpster entirely on your own property during the rental period. If you need to place your container on the street in any way, you will likely have to obtain a permit from the appropriate building permit office in your town. You can check with your local public works department to be sure.
Most Woodbury dumpster rental companies will take care of securing this permit for you if you rent from them. Make sure that if you're planning to put the dumpster on the street, the company has made the appropriate arrangements. You should also ensure that you get the permit in a timely manner and at the correct cost. If you thought the dumpster company was getting a permit and they did not, you will be the one who will have to pay the fine that is issued by the authorities.
Understanding the instant requirement, a few Rent a 10 Yard Dumpster in Woodbury, TN companies provide instant companies to the devastation zones using the availability. The delivery will be done on first come first function basis. These kind of companies attach social obligation to their goals hence cares for you more regarding providing a high quality service to individuals on want at an affordable cost as opposed to adding another buck inside their account.
An additional topic to deal with when making a rental is figuring out the space the place that the container will reside. Generally at a residential property the dumpsters will be set on the actual driveway or perhaps the street. A vital fact to don't forget is that in many areas a permit is required if a jar is placed in the pub. Calling the city and purchasing a permit may resolve this particular, or from time to time a allow can be collateralized through the rental business. The area the actual dumpster will be dropped off should be eliminated of any hazards, which include: low lying utility lines, tree divisions, fences or perhaps unleveled ground.
Get associated with the Rent a 10 Yard Dumpster in Woodbury, TN vendor, who informs the customer in advance about the items that can be disposed into a dumpster, prices of the Rent a 10 Yard Dumpster in Woodbury, TN and also terms and conditions of the disposal. When you invest in associated with a business that can provide quality companies at affordable cost, you might realize that trash removal on completion of your hard work was never this particular easy and this particular affordable.
If you want your rental dumpster delivered and picked up on time, execute a bit of research to find a quality business. You'll also make use of friendlier assistance, better prices and more versatility to meet your own demands. As long as you're busy repairing your renovation task, do you really want to add more stress? Next, once you get your own dumpster, make sure that the type of material you are throwing out are approved by the municipality yourr home is in. You can't dispose of flammable or hazardous materials or perhaps tires and also appliances in your dumpster. You can get struck with a great if you placed illegal resources in your dumpster. So, find out what the principles are with what you can and can't throw away before commencing your project.
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A junk piled up for longer period of time can pollute the surroundings, invite punishment from the project owner, be given complaints from neighbors pertaining to spoiling the planet and degrades the appearance of your job spot, so junk removal possesses turned up into a major head ache for most on the project entrepreneurs.
Finally, produced crew could put on your finishing splashes of your brand new baseboards and also molding during the entire entire residence. Your home is planning to look like any showplace once things are all completed. Not only is your brand new living room and home gorgeous, but it is clean and very comfortable for you personally and your family. You've made your aspirations come true in your own home you want to are living in.
You and your partner or spouse may have been organizing to update your living room to your very own design.
Environmental safety has become a predominant task for the federal government of the US along with its residents. The 1st step for mitigating the impact of polluting of the environment on the setting is lowering the garbage production. Trash production is usually mitigated by using some alternatives for instance electronic products instead of report, walking an inferior distance rather than using motor vehicle and so on.
Several Rent a 10 Yard Dumpster in Woodbury companies help online ordering facility. You can find the right sized dumpster that best suits your need from the comfort of home.
Make sure you are certainly not throwing out most things that the rental dumpster business does not permit. Such items can be unsafe and this is just to protect the customer, the people that work well at the dumpster business and possibly it is even the law of the spot you live with. Whether your house is in Virginia, Washington DC, M . d . or another point out, your next time Rent a 10 Yard Dumpster in Woodbury company can instruct you with all the laws.
It's also important to discover how much the business will charge you actually once you come to a decision to hire a waste receptacle. Occasionally, there are more charges in case you exceed a particular limit regarding the rubbish you add into the receptacle. This is something you should learn even before you actually sign an agreement with a company. It is better to go with a company containing its own dump. If the business does not have a, they usually currently have to pay to work with a landfill in your neighborhood and this charges will definitely always be passed to you actually.
Plus, flooring takes up lots of room from the dumpster as do lumber baseboards and also doors. A considerable dumpster holds four tons of garbage or even debris which can be about the same seeing that ten pickup truck loads. The medium dumpster keeps three tons of garbage which is similar to about a few pickup truck loads. A small dumpster which you rent holds up to a couple tons of garbage.
The common cost of any Rent a 10 Yard Dumpster in Woodbury is about $500. The maximum cost is usually around $1,250, while on time frame end, it could actually run around $100. Community, homeowner initiatives will probably need to have a dumpster around the $500 dimension, while more substantial industrial businesses will likely want the more expensive model. You'll probably desire to call all around to several businesses to get price quotes prior to making your final alternatives. Most companies may also have different sizes they can offer you also, depending on the needs you have. If you're uncertain what size you should have, tell the business and they may help you narrow down your choices to the size you desire.
Summertime is the one other great time regarding schools to get renovated. Quite a few projects could be undertaken and also improved as you move the students usually are off of college. Teachers and also students will probably be surprised when they return back to varsity at all on the improvements made. If you live in a warm local weather and need on the inside remodeling carried out on your college than winter weather break is a good time to fully grasp this done. All of the kids and also teachers really should be out of the college for the most part.
In addition, carpeting occupies a lot of bedroom in the dumpster as do wood base board and gates. A large dumpster maintains four a lot of garbage or even debris that is about the same seeing that ten pickup loads. A new medium dumpster maintains three a lot of garbage that is equal to concerning five pickup loads. A small dumpster that you rent supports to two a lot of garbage.
Everyone seems to be back employing their protection under the law. Have you discover anybody who comes back to matches their responsibility? Aloud virtually no will be the reply. Though there are certain people who match their responsibility, we can hardly find them say hardly that you ten percent of total population of the nation. It is very sad to know of which very significantly less number of people on this planet is aware of which right and also responsibility vacation on the same traces and one should accept the load on the same traces as they take advantage of the right.
Review the average price of dumpster services to see what is the common price on the market. It is best that you choose dumpsters on rent of which exclusively offer dumpsters. Hiring these services on the internet liaisons or stores will cost you a lot more because these intermediaries cost you a obtaining fee. Consequently, if you immediately approach dumpster accommodations, then you are most likely to save money about hiring them.
A reputable junk removal business typically provides free estimations. The price will be based on on the amount of junk and sort of materials to be taken out. Furthermore, pertinent fees really should be included in the approximate, so there are not any surprises later.
You can also rent dumpsters even if you are not renovating. Some people do not wish to take their garbage away all the time so renting some sort of dumpster can save you effort and time. All your trash can be put within the dumpster and as outlined by how often it deserves dumped your dumpster company will come empty that for you.
A high level construction business than you know you need to get things order in order to keep your work rolling proper along. You need to be able to buy specific supplies for each work order. You're very busy with many customers so you want to keep the good name and excellent business reputation.
By using a large dumpster or even large dumpsters you will keep your restaurant business region looking well put together while you are getting the bathroom remodeling carried out. This will keep the customers and also neighborhood businesses pleased.
The very first thing you have to keep yourself well-informed is about the sized the dumpster essential. Dumpsters usually are available in different sizes ranging from 10-40 yard. A new 10 yard dumpster can fit in ones need should the project treated is modest like residence renovation. You need to go for selecting the larger one particular if you are managing construction jobs and manufacturing projects. Using the services of the right sort of dumpster will save you via paying for the free space within the dumpster.
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Eagles start year with new coach
September 13, 2018
The St. John/Endicott/LaCrosse volleyball team has begun a new year with first-year head coach Jenn Johnson, who began as an assistant when her seniors were freshmen.
"I'm loving it but extremely sad about it," said Johnson. "It's a great group of girls."
The team began with the jamboree in Colfax over Labor Day weekend followed by a home loss to Pomeroy and a non-league win over Davenport.
Against Pomeroy, the Eagles went down 11-25, 20-25, 21-25.
"Now we know what we need to work on," said Johnson.
Senior Autumn Meyers led S.J.E.L. with five kills and three aces in the loss wh...
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Deadnamed: The Way Cops in Jacksonville Florida and Other Jurisdictions Investigate the Murders of Transgender Women Adds Insult to Injury and May Be Delaying Justice
Waldron, Lucas, Schwencke, Ken, The Advocate (The national gay & lesbian newsmagazine)
Caption: Aea Celestice, a black transgender woman living in Jacksonville, Fla., has the most basic of plans for the next chapter of her life: She hopes to get out if town before someone kills her.
Celestice, 32, has good reason to worry. Over the past six months, four black trans women in the city have been shot, three of them fatally.
Celine Walker, 36, was shot to death in her room at an Extended Stay America hotel near the University of North Florida on the night of the Super Bowl, February 4. On June 1, Antonia "Antash'a" English, 38, was killed outside an abandoned home north of downtown. And on June 24, Cathalina James, 24, was gunned down in a room at a Quality Inn on the city's south side.
The cases have left Celestice and others in Jacksonville's transgender community rattled but it's been the handling of the investigations by authorities that's stirred outrage. In public statements and official documents, the Jacksonville Sheriff's Office has repeatedly identified the victims as men, refusing to call them by the names they chose to use in their lives.
While an arrest has been made in the shooting of a 23-year-old trans woman, all three murders remain unsolved, and the insistence on referring to transgender women as men has left Celestice wondering just how much effort is being made to find the killer or killers. She wonders whether anyone outside of her community cares.
"There doesn't seem to be a concern for anybody," Celestice said. "I guess other people have other things going on in their lives than being concerned about a trans woman getting murdered."
Studies show that transgender women are disproportionately likely to be victims of violent crime, not just in Jacksonville, but nationwide. Yet most local law enforcement agencies persist in handling these cases much like the Jacksonville Sheriff s Office.
The transgender community has a word for calling a trans person by the name they no longer use, one that conveys a double meaning when it involves murder. It's known as "deadnaming."
Across the nation, ProPublica found, some 65 different law enforcement agencies have investigated murders of transgender people since January 1, 2015. And in 74 of 85 cases, victims were identified by names or genders they had abandoned in their daily lives. Our survey found that arrests have been made in 55 percent of the killings of transgender people nationwide in the last three and a half years. The overall clearance rate for murders in the U.S. is only slightly higher, at 59 percent.
Advocates say that not using the name and pronoun a person was known by can slow down an investigation during its most critical hours. People who knew the victim or who saw them in the hours before they were murdered might only have known them by their preferred name and gender.
"If Susie is murdered, don't use 'Sam,'" said Monica Roberts, an activist and journalist who tracks murders of transgender people. Roberts worries that deadnaming both prevents the community from identifying victims and fosters mistrust of police.
Police at the handful of agencies that routinely use victims' preferred names and pronouns say not doing so can damage the agency's relationship with the transgender community, or alienate friends and family.
"That might lose the cooperation of the friends and family--the people we need to solve the case," said Detective Orlando Martinez of the Los Angeles Police Department.
In investigating the murders of Walker, English, and James, the Jacksonville Sheriff s Office says it has just followed its policy, which is to identify people based on a medical examiner's report and whatever name and sex are listed on their state identification.
After Walker's death, the sheriff s office referred to her in reports and public statements as a man and released a male name to the media, one she hadn't used in years. …


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Overweight and reduced heart rate variability in British children: an exploratory study.
@article{Birch2012OverweightAR, title={Overweight and reduced heart rate variability in British children: an exploratory study.}, author={Samantha Louise Birch and Michael J Duncan and Craig Franklin}, journal={Preventive medicine}, year={2012}, volume={55 5}, pages={ 430-2 } }
- Published 2012 in Preventive medicine
OBJECTIVE To investigate the associations between heart rate variability (HRV) and weight status in children. METHOD Following ethics approval, 182 children (87 males, 95 females) aged between 6 and 11 years old (Mean (SD) age 9.1 (1.4) years) were assessed for height and body mass from which body mass index (BMI, kg/m(2)) was calculated. Data were collected in Central England, March-June 2011. Resting HRV was assessed in the supine position. Time domain (RMSSD and pNN50) and frequency domain… CONTINUE READING
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