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Property Features
- Location Doncaster
- Property Type
- No of Bedrooms 3
- Receptions 1
- No of Bathrooms 1
MAIN DESCRIPTION Galley Properties are pleased to present this 3 bedroomed semi-detached home for sale, located within one of Balby's POPULAR RESIDENTIAL AREAS, making this a perfect home for the first time buyer and families and investors alike, (with the potential for up to £5,940pa rental income).
The property has well proportioned rooms, with neutral décor and new carpets. Externally there is a front garden with drive and a good sized rear enclosed low maintenance garden.
Briefly comprising, hallway with doors to the spacious lounge and kitchen/diner and stairs to the first floor with doors off the landing into 3 bedrooms and bathroom with white suite. Recently decorated in neutral tones to appeal to all tastes.
The property sits within the popular residential area of Balby in Doncaster which has a wide range of local amenities including schools, parks, shops, supermarkets, and numerous bus routes to the town centre. The property is less than two miles from Doncaster town centre, Doncaster Mainline Train Station, (with links to London, Peterborough, Leeds, Sheffield, Hull, York, Newcastle and Edinburgh) and Bus Interchange and is only minutes drive form the A1, M18 and Airport Link Road, making this property perfect for commuters.
LOUNGE 14′ 8" x 10′ 11" (4.47m x 3.33m) Well proportioned, with a large feature front facing UPVc bay window allowing natural light to fill this room. Decorated in neutral tones with neutral tone carpets. UPVC windows and a radiator under the window. A wooden fire surround with inset electric fire provides a cosy focal point. Radiator, pendant light fitting and electric power points.
KITCHEN/DINER 13′ 9" x 10′ 0" (4.19m x 3.05m) A bright spacious Kitchen/Diner, with a large rear facing UPVc window and UPVc door with glazed insert providing lots of natural light and a useful walk-in pantry for lots of additional storage. Fitted with a range of wall, base and drawer units in birch shaker style with co-ordinating shelves. Contrasting grey speckled worktops complete the finish with inset stainless steel sink and drainer with chrome taps and white tiled splash backs. Freestanding electric cooker with extractor above. Co-ordinated cushioned flooring. Plumbing ans space for washer and fridge freezer and large table and chairs, radiator and electric power points.
HALLWAY This hallway provides a bright welcome to the property with natural light from a UPVc hall window and glazed inserts in the UPVc front door and side facing landing UPVc window. Finished in a neutral décor with co-ordinated hall, stairs and landing carpet. Doors lead off to the Living Room and Kitchen/Diner and stairs lead to the first floor. Pendant light fitting and radiator.
BEDROOM 1 13′ 0" x 10′ 11" (3.96m x 3.33m) A bright and airy room with natural light from the front facing UPVc window. Neutral décor,. pendant light fitting, radiator and power points.
BEDROOM 2 10′ 11" x 9′ 11" (3.33m x 3.02m) Another good sized double bedroom in neutral décor with UPVC windows overlooking the rear garden. Pendant light fitting, radiator and power points.
BEDROOM 3 6′ 10" x 5′ 6" (2.08m x 1.68m) This third bedroom could comfortable accommodate a single bed, or could even be used as an office or dressing room with its neutral décor front facing UPVc window, radiator, pendant light fitting and power points
BATHROOM 6′ 2" x 5′ 6" (1.88m x 1.68m) Featuring a white bathroom suite, incorporating a low level WC, pedestal wash basin and bath with shower over and white bath side panel. Neutrally decorated and tiled around bath, shower area and above wash basin in white with feature tile border. Opaque glazed rear facing UPVc window.
OUTSIDE SPACE Enclosed garden with drive to accommodate one car to the front of the property and enclosed low maintenance rear garden with large lawn. We imagine this would be an ideal space for children to play and for entertaining/ dining al fresco in the warmer weather


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Free book on medical student loans. Get yours before copies run out!Read More
Doctored Money Blog
Medical School Tuition is Soaring while Primary Care Salaries are Stagnant
Primary care wages have shown very little growth compared to the giant increase medical school costs. Current students and young MDs are entering a very different environment than their older mentors. Is the system aware of this? Are students and residents prepared for this?Read More
Ten critical financial items new 2018 physicians need to handle today
Congratulations on graduating! You have finally made it through your education. Now it is on to your training and part of that training is going to be learning some financial essentials.
We have created a list of financial topics and actions you need to take ASAP to start things off on the right foot. These include things like: understanding your student loans, filing your taxes, consolidating your loans, learning about PSLF, making a budget, learning about investing and more. Check it out and share it with someone who needs the advice!Read More
Yet Another Example of Fraud, Bias, and Conflict of Interest in the Student Loan Industry
Another example of why everyone should do their own due diligence with all financial matters, especially student loansRead More
We need your help with our salary survey!
Help us collect the salary information for all residency programs in the US. Complete our survey to fill in the information about your institution. With your help we will be able to compile the first ever complete comparison of house staff salaries around the county.Read More
Student Loans, a Book Recommendation
Go check out Ben White's book on Medical Student Loans.Read More
Did you consolidate a student loan? You can probably get a deduction on your taxes for student loan interest "paid"!
Did you pay any student loan interest during 2017? If so, you may be able to deduct this from your taxes and save some money. If you paid any interest, and your income (specifically your Modified Adjusted Gross Income) is less than $80,000 (single) or $165,000 (married), you can deduct at least a portion of your student loan interest paid. You must have some income in 2017 from which to deduct the student loan interest.
The maximum amount of the deduction is $2500. How much this saves you in taxes depends on your federal and state tax bracket. But regardless, if you owe any taxes in 2017, and you paid any interest, you can likely reduce your total taxes paid!Read More
$2000 "Cash Back" for Interns! Don't miss out on the Lifetime Learning Credit!
If you graduated from medical school during 2017, paid any tuition DURING 2017, and have any income for 2017 (e.g. your half-year's intern salary), then you likely qualify for a tax break called the Lifetime Learning Credit (LLC), which is worth up to $2000. Don't miss this!Read More
Some Rank List Advice: Residency is a Job
There are many criteria for a "good job", and it's different for everyone. Medicine might be a calling for you, but it is also the mechanism by which you will pay for everything. I.e. it's still just a job. And you will be a much happier person in the long run if you remember there are realities in life that you need to be aware of, and your salary and benefits as a resident are just a couple of them.
So as your start to sleep with your rank list under your pillow, be sure to consider the financial impact your new job will have on your life. You owe it to yourself.Read More
Demand Financial Education
Money is a taboo topic that is not often discussed in medicine and medical students and trainees are often discouraged from asking the necessary questions about their financial futures. There needs to be a cultural shift in medicine, a shift to the realization that leaving financial conversations for closed doors is not only unsafe for the well-being of doctors but ultimately detrimental to the safety and health of our patients.
We can't expect our fellow doctors to provide superb care to patients with a millstone of financial problems hanging around their necks. A stressed-out doctor who regrets the decision to get into medicine is in no one's best interest.Read More
Beware: Erroneous or Misleading Advice from Loan Servicers
Loan servicers continue to give poor and/or inaccurate advice to borrowers who call them. We have recently seen examples of this despite on going lawsuits against these servicers. You need to do your own research and understand your loans. You unfortunately cannot rely on your servicer for accurate information.Read More
Ten critical financial items new MDs need to handle today
Congratulations on graduating! You have finally made it through your education. Now it is on to your training and part of that training is going to be learning some financial essentials.
We have created a list of financial topics and actions you need to take ASAP to start things off on the right foot. These include things like: understanding your student loans, filing your taxes, consolidating your loans, learning about PSLF, making a budget, learning about investing and more. Check it out and share it with someone who needs the advice!Read More
New Student Loan Scenarios
Here is the brief summary: we now have a page which recommends a specific loan repayment plan based on your demographic information. Look up your demographics and suggested loan repayment plan here.
The longer, much more meaningful explanation of this update is as follows:
First off, we want to be explicit that our goal here at DOCTORED MONEY is to be the premier resource for education on financial topics which affect physicians, future physicians, and everyone in between. We will always strive to update, rework, reword and add to the information we bring you so that it is not only informative and unbiased but is also digestible in the time period you have to devote to financial literacy.
We believe the existing materials on our Student Debt page conform to these three standards (informative, unbiased, and digestible) but we have reason to believe that not all of our many fans agree with us. Much of the feedback we received when we launched the site was that people thought it looked "awesome" and "very professional" but that people were planning on coming back to look at the learning materials later "when [they] have more time." We admit it's nice to have our egos stroked and we enjoy when people call the things we make pretty. But that isn't the point of the site! The point of the site is to help you get a grip on your financial situation and come out feeling less anxious with that "go get 'em" attitude you need to live your life. We want the site to be the proverbial "slap on the butt" you need as you walk back up to the pitching mound; or if baseball metaphors aren't your thing: the quick protein bar and caffeinated beverage you need to get through the next 20 hours of your Whipple procedure.
We digress, but our point is this: everything we put up on our site is meant to be helpful, not "when you have time" but right now! We know you don't have 10 hours to sit down and read through financial material (although we do feel like you owe it to yourself to study up a little); everything on the site can be read, digested and learned from in just a few minutes. Each Prezi presentation can be looked through in 10 mins or less. The W-4 page is arranged in increasing levels of complexity so that you can get the basic info you need up front and come back for additional increments to read more (maybe as you wait for the shuttle or train or whatever else you have to wait for in your life). And if you need to rush off to an emergency before you finish, that's no problem, run off and save the world and come back later to finish. And the last part of our rant is this: it all works on mobile! You don't have to be sitting at your desk, just whip out your million dollar smart gadget and head on over to www.doctoredmoney.org and get started. It is definitely a better time investment than browsing Instagram (unless you are looking at the @dailystoic posts, those are deep).
So now that we have stressed the digestibility of all our resources, let me introduce to you our latest resource that attempts to reach those of you who are extra crunched on time: Loan Scenarios.
The way this page works is simple. We have created example loan scenarios that apply to people with specific demographics/scenarios. You need to go through and see which set of demographics most closely matches your situation and read the advice that follows. We will give you the repayment plan that will best help you in the long run as well as our rationale behind that advice, some budgeting things to consider, and potential pitfalls of that plan. It also includes an example of the loan balances, payments, and loans forgiveness withg PSLF after 10 years.
We really want to stress that understanding your loans and making informed decisions about them is immensely important. We believe these sample loan scenarios give good advice, but how can you know that's true if you don't research it out yourself? Relying on advice like this without studying it out to make sure it matches your situation can have disastrous results in some instances. That being said, if you really have no time, and just need to pick a repayment plan before you are automatically enrolled in the standard 10 year plan, go check out the loans scenarios. But please, come back later and go through the presentations on student loans and educate yourself. You won't regret it.
P.S. We know that the current loan scenarios we have provided currently only includes one scenario. But, it is the most common situation and we thought it would be better to get that out now to benefit the majority, rather than waiting for every possible scenario (there are dozens!) to be finished. If your situation is drastically different, send us an email and we can discuss what we think you should do.
Or if you already get way to many emails:
Use the link below to subscribe to our RSS Feed:
Who knew a W-4 Form could be so exciting?!
Hi all, we have a brand new page up in our taxes section, related to understanding and filling out a W-4. What's that you say? You are graduating medical school and you've never had a real job and you don't know what a W-4 is? Or perhaps you mistakenly think that's the form that requires "One from List A OR one from List B AND List C"? Well then this page is for you!
But maybe you have indeed filled out out a W-4 before, but threw a random number down in Box 5 and got blindsided by a large tax bill when you filed your taxes and wondered what the heck happened. Well, this page is for you also.
Most employers won't pay you without a W-4 (AND an I-9 I should add), so it's time to figure it out. A W-4 is the form in which YOU tell your employer how much in federal taxes you may owe, and lets them know how much to withhold and send to the IRS on your behalf. It can be particularly tricky if you have two jobs, a working spouse, or high income. Withhold too little, and you end up owing penalties and interest on the underpaid tax (in ADDITION to a large unexpected tax bill in April). Withhold too MUCH, and you've given the government your money to hold onto for you, for no good reason.
Many MD's will be transitioning to new jobs this summer and will need to fill one out. So head over to our Taxes section now, read up on W-4 forms, and be prepared!
Introducing the Blog
We here at DOCTORED MONEY have been debating the best way to keep our extensive fan base apprised of our many machinations and improvements which are constantly occurring here at home base. While that previous sentence may exaggerate the number of updates and new information we are able to churn out, we have nonetheless decided to set up a blog to document our sometimes inane musings regarding physician finances.
The posts will mainly focus on new content we are adding to the site or renovations of current content that has been in need of a face-lift. Posts may also delve deeper into topics that we feel need further explanation or that we have received many questions on. And in the spirit of full disclosure we reserve the right to post anything that tickles our fancy, from opinions on the relative benefits of intermittent fasting to philosophical discussions on the necessity of a sensory deprivation tank to Eleven accessing the Upside Down.
We hope that you will find the periodic updates useful and the posts informative if not always entertaining in the classical sense. Be sure to subscribe to the blog with you RSS reader of choice (my personal favorite is Feedly) or simply sign up to receive an email whenever we post.
As always, please let us know if you have suggestions or questions about any topic or life in general. We are always happy to pontificate on the mundane.
Or if you already get way to many emails:

subset: commoncrawl


text: Interested in modelling at the Suhaag Show? Fill out the form below and we will get in touch! Name First Last Email* Enter Email Confirm Email Phone*Where do you reside?*Greater Toronto AreaVancouver Greater AreaOttawa/Montreal Greater AreaHeight*5'0'' (1.52m)5'1'' (1.55m)5'2'' (1.57m)5'3'' (1.60m)5'4'' (1.63m)5'5'' (1.65m)5'6'' (1.68m)5'7'' (1.70m)5'8'' (1.73m)5'9'' (1.75m)5'10'' (1.78m)5'11'' (1.80m)6' (1.83m)6'1'' (1.85m)6'2'' (1.88m)6'3'' (1.91m)6'4'' (1.93m)6'5'' (1.96m)Hair Colour*Gender*FemaleMaleMeasurementsWait (inches)*Hips (inches)*Bust (inches)*Chest (inches)*Shoe Size*88.599.51010.51111.51212.513Please provide two photographs (headshot and full body)* Drop files here or Accepted file types: jpg, gif, png, pdf. Maximum of 2mb file size.How did you hear about us?*NewsletterFacebookInstagramTwitterWebsitePrint AdReferralPast experience? Tell us below.*Compensation will be based on runway experience.Newsletter YES, sign me up for the Suhaag newsletter so I can start receiving notices, communications, promotional offers, newsletters, deals, and other information that may be of interest to me from Suhaag. I can unsubscribe at any time. See our privacy policy. Suhaag, a publication of Metroland Media Group Ltd., 3145 Wolfedale Road, Mississauga, ON L5C 3A9. 905-273-8111.*Must be 18 years or older to apply This iframe contains the logic required to handle Ajax powered Gravity Forms.


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Feeling good about the community you live in can be just as important as selecting the right home. As a local expert, I can help you find a neighborhood that best suits your needs. From local restaurants and activities to school information and market trends, explore the communities I serve below.
Communities Served
- Hinesville
- Midway
- Pembroke
- Pooler Real Estate
- Richmond Hill
- Rincon
- Savannah
- Springfield
- Tybee Island
Click on a community to find out more!


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Our Services
Rest assured — You're in caring hands
If you are a new patient, we schedule enough time during your first appointment
to review your dental and medical history, examine your mouth, and take digital X-rays.
Dr. Skiba will explain any issues and help you choose the best options for treatment.
If your gums are healthy we usually do a cleaning during your first appointment.
If a periodontal treatment is needed we will schedule one at a later time that is convenient for you.
Insurance Considerations
We accept most traditional insurance and are "in-network" with three leading PPOs.
We are happy to file your insurance for you, as long as your plan allows you to choose your own dentist.
If you do not have dental insurance be sure to ask us about our East End Dentistry Membership Club,
which offers easy monthly payments for your preventive care, and saves money on your treatment.
Financial Arrangements
We do not want money to be an issue for our patients.
We want you to feel comfortable with us,
and that includes feeling satisfied with your financial arrangements regarding your dental care.
We offer several different ways to cover your dental expenses.
Please contact our office and we can set aside some time to review our options with you.


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Rekalling the times I played with Windows
The more and more you learn about Information Security, the more you learn about how insecure things are. From your personal devices that you are to protect, to devices in our environment. I remember reading my CompTIA Sec+ book back when I was a youngling, and remembered a story in there that described a raid where a hacker took a shotgun and shot his hard drive before the Feds grabbed him and seperated him from his computer.
Another reason as to why the Feds separate hackers from their computers, is because their RAM holds valuable information so long as the computer is on. That information includes all passwords, websites, and other types or what forensics people call 'artifacts'.
After playing around with some Reverse Engineering challenges, I've been wanting to get deeper and deeper. Down the rabbit hole we go.
The Tools:
Rekall Memory Forensic Framework (github)
Few days ago, I wanted to see if I could take a image of my RAM. Test would be conducted on my Macbook Air, so I looked for tools to do this. Rekall, created by Google, has a tool called osxpmem which will take an image of your RAM. I wrote a script to make this a bit easier. Root privileges IS required. Jonathon Poling goes deeper into how to do this in his terrific article.
#!/bin/sh # Create directories mkdir /tmp/mem mkdir /tmp/mem/Memory_Captures # Takes us to our work env cp osxpmem_2.0.1.zip /tmp/mem cd /tmp/mem unzip osxpmem_2.0.1.zip # Required to use utilites sudo chown -R root:wheel osxpmem.app/ sudo osxpmem.app/osxpmem -o Memory_Captures/mem.aff4 sudo osxpmem.app/osxpmem -e /dev/pmem -o Memory_Captures/mem.raw Memory_Captures/mem.aff4 # Unload our kernel extension sudo osxpmem.app/osxpmem -u
I posted my code on Github for your convenience and for the commits. No shame in my commit game.
I sent this to Rekall and got some problems with profiles. More learning!
Profiles are...*research*
So, I put my Mac image down, and picked up the other computer next to me. A family member's Windows7 computer. Just like I'm sure the rest of you do, I reinstalled the OS for my family because someone who studies Computer Science means I can help remove your malware and spyware you got installed from just doing "normal computer stuff". =] I set a password on via login, and wanted to take an image of a Windows computer, and see if I could get the login password from it!
Initially, I was worried and thought taking an image might be difficult or maybe I'd have to dive pretty deep into a tool to figure out the password. I am very grateful for the heroes and heroines that took on this frontier.
"If I have seen further than others, it is by standing upon the shoulders of giants." - Newton.
I accomplished this goal with 2 lines. But first image.
1. Get winpmem (current writing was winpmem-2.1.post4.exe)
2. Open up cmd.exe as Administrator (Right-Click and click Run as Administrator)
3. winpmem -o Win7Image.aff4
Got RAM?! YEAH BITCH!
Alright, so now let's open in up in rekall.
Rekall is very well documented on how to setup their environment.
$ virtualenv /tmp/MyEnv New python executable in /tmp/MyEnv/bin/python Installing setuptools, pip...done. $ source /tmp/MyEnv/bin/activate $ pip install --upgrade setuptools pip wheel $ pip install rekall-agent rekall
If you don't have virtualenv, sudo pip install virtualenv.
Assuming you got it installed, check it out:
We got it loaded in! Now what are those two lines? Well...loading was one of them. Now use the plugin mimikatz
If you have any questions, as I wrote this pretty late and ran through it, please feel free to contact me!
Quickest would be Twitter. Send more more things to play with or correct me if I'm wrong! Until next time hackers!
Defcon 21 - Offensive Forensics: CSI for the Bad Guy by Benjamin Caudill
DEF CON 24 - int0x80 - Anti Forensics AF by DualCore
Taking Memory Forensics to the Next Level by Jamie Levy
Rekall Memory Forensics Cheatsheet
OSX (Mac) Memory Acquisition and Analysis Using OSXpmem and Volatility by Jonathon Poling


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Fifty Shades Freed First Look
The turbulent relationship between Ana and Christian seems to have sorted itself out by the end of Fifty Shades Darker. Christian crashes in his helicopter, Ana's boss becomes obsessed, and one of Christian's exes comes out of nowhere shooting a gun. But, thankfully by the end we saw Christian and Ana get engaged and happy at last.
In the new sneak peek at Fifty Shades Freed, we notice that Christian and Ana are now married and retreating to Europe for a honeymoon nobody would forget. The full trailer isn't available yet in the US or UK, but here are a few pictures we spotted.
Christian is quoted saying I solemnly vow to love you faithfully and keep you safe, as long as we both shall live.
Here's a shot of Ana and Christian making their way to the airport so they can head to Europe in Christian's private jet.
Christian spends a little time in the ocean while Ana enjoys a sunbathe.
The couple have an amazing honeymoon filled with gorgeous sightseeing.
Oh no! This perfect trip might be shattered. Christian may have to live up to his keep you safe promise after all.
Who could this possibly be? The photo is a little dark but I'm willing to bet it's the return of Jack Hyde. Don't forget, he was laid off from his job and turned up with a face full of revenge at the end of Darker.
Fifty Shades Darker director James Foley will be back for the final film. In fact, he shot Freed back to back with Darker last year. It should be a great movie with fresh pressures and intrigue for the newlyweds!


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Your Custom Text Here
Chalkboards are a great way to make announcements and save paper at events. Instead of printing out programs or menus for each guest, guests can just glance at the big sign. If chalkboards does not fit the ambiance your event, you can check out Calligraphy part I and part III, where I demonstrate this technique on different surfaces.
here we go!
1) choose a font, and/or illustration you like and copy it on word or adobe illustrator.
2) print it out.
3) use tracing paper and imprint the font and design onto the chalkboard.
4) Trace with a chalk marker and voila~ you have your sign with calligraphy.
Your chalkboard would probably be bigger than 8.5" x 11, so in order to fill the chalkboard, you can cut your paper into pieces and place it wherever you want your design.
LOVE it but do not want to do the work? Not to worry, you can purchase my services here.


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A 650 credit score is not bad credit but it is below the important cutoff for prime lending
The most common questions I get on the blog are about individual credit scores and none are more frequent than the 650 FICO score.
FICO doesn't release its credit score data but I would put good money on a bet that the 650 credit score is one of the most common among American borrowers. It's where my credit score seemed to steady for a while after a few credit score hacks boosted it quickly from 560 FICO and it's where about 25% of people hover on their scores.
So what can you do with a 650 credit score? What are your options on loans and how will your score affect other parts of your life? Is 650 a good credit score and what does that mean?
We'll look first at understanding what a 650 credit score means before getting to the options you have for the money you need. We'll also look at how to boost your credit just a little bit to put you in some of the highest scores among borrowers.
How Many Americans Have a 650 Credit Score?
Credit scores range from 350 to 850 though I've never seen one below 429 or above 800 FICO. Credit scores are recovering since the financial collapse destroyed the scores of most Americans (ahem, raises hand) but there are still a lot of borrowers locked out of fair lending.
Approximately one-in-three borrowers have scores below 650 FICO while just over half have scores above the 650 to 699 FICO range.
That range is important because it includes the 680-cutoff score for what's called prime lending and a good credit score. Most traditional banks are prohibited from lending to sub-prime borrowers, people with less than a 680 credit score, for certain types of loans.
That means a 650 credit score isn't necessarily bad credit but it won't get you the best rates when you go to get a loan and you might have trouble getting any money from certain lenders.
The upside to so many people with a 650 credit score or close is that lenders can't totally ignore you. They know they'll need your business so they haven't completely slammed the door like they have with bad credit scores in the 500s and lower.
Is a 650 Credit Score Considered Bad Credit?
A 650 credit score is generally considered 'fair' credit. You might have a few missed payments on your credit report or might just not have built up much credit yet.
It does mean you'll probably have trouble getting a loan from a traditional bank or credit union or getting one with affordable rates. Banks have strict requirements for credit scores because the loans need to qualify to sell to investors. One of those qualifications is usually that borrowers have 'prime' credit scores above 680 FICO.
A 650 credit score doesn't mean you're locked out of getting the money you need but it does mean you need to know where to look.
You could say that 650 is a good credit score in the fact that it's just a bit lower than that cutoff for prime lending. Meet that qualification and you'll see the door open for any loan you want. I'll share some ways to increase your credit score later but first, let's look at how to get a loan with a 650 FICO if you absolutely can't wait.
How to Get a Loan With a 650 Credit Score?
Your best strategy with anything above a 600 credit score is going to be to boost it into prime territory above 680 FICO but that's not always going to be possible. It will take you between six months to a year to increase your score that much so let's look at some options if you need a loan now.
I'll also cover ways to increase your credit score in the next section so be sure to read below to get your score above that prime-cutoff.
A debt consolidation loan is going to help you do both, get the money you need and increase your credit score so let's start there.
A consolidation loan is where you take out one loan to pay off all your high-interest rate loans like credit cards and auto loans. It usually lowers your monthly payment because the interest rate is lower and makes it easier to manage your debt. There are a few other benefits to consolidation loans that make them great options.
- Paying off revolving debt (credit cards) with non-revolving debt from a personal loan improves the 'types of credit' on your credit report. Lenders hate revolving debt so paying this down helps to improve your credit.
- Paying just one bill a month means you're less likely to forget a payment and destroy your credit score.
- Since you can use a personal loan for anything, you can borrow more on a debt consolidation loan than you need to pay off the loans and use the rest to keep from borrowing more debt.
There are a few online loan sites that work best for a credit score of 650 or lower:
I've used PersonalLoans.com twice for a loan, once for consolidation and once for a home improvement loan. The website specializes in helping people with bad credit and charges no prepayment penalty on personal loans.
The site is more of a loan aggregator, meaning it shops your loan around to different lenders to make sure you're getting the best rates. It doesn't affect your credit to apply because the site uses a soft pull of your credit first to estimate your rate so check a few different sites before committing to a loan.
Check your rate on PersonalLoans.com – Get a Decision in Minutes
Upstart is another good option for borrowers with a 650 credit score because the loan site uses a special lending model for people with no credit. Upstart was created specifically for college graduates that have low credit scores only because they have no credit history.
The site may not work as well if you have bad marks on your credit report but it's worth a try because rates are lower than most other sites. If you have a college degree, I would definitely start here first.
NetCredit is an option if neither of the other two sites approve you for a loan. The website specializes in short-term loans for bad credit borrowers and just about anyone can get a loan as long as their credit score isn't extremely low. Rates are going to be higher but the regular payments will help improve your credit history to the point you can refinance the loan at a lower rate.
Can You Get a Credit Card with a 650 Credit Score?
I also get a lot of questions about whether you can get a house or credit cards on specific FICO scores.
For getting the big loans, like buying a house, anything under a 680 credit score is going to be difficult. The banks and credit unions will hesitate even if they let you in the door. You might be able to get a personal loan for the down payment if you can get the seller to finance the purchase for a year or two while you boost your score to get a mortgage.
The credit card offers will start coming in with a credit score well below 650 and you'll start noticing better rates as your score improves. The problem is that the rates will still be fairly high even for people with good credit.
Whatever you do, make sure you know the payday loan laws and regulations around types of credit in your state. This will help you avoid the email scams out there and the high rates that come with illegal loans.
How to Increase Your Credit Score to Prime
If you have a 650 credit score, you only need a little bump to get better rates from more lenders. Depending on your credit history, getting those 30 points to reach prime lending may take six months to a year to get there.
I recently shared the five credit score hacks that helped me boost my credit score 200 points. After destroying my credit and bottoming at 560 FICO, it took less than two years to increase it to almost 800 with these credit tricks.
If your credit score is low because you don't have much credit history then you might be able to boost your FICO faster. All you need is to start building credit with regular payments on credit cards and other loans.
If your credit score is low because of bad marks on your credit report, it might take a little more work but it's still easily achievable, especially with a loan cosigner.
- Dispute any errors on your credit report by writing to the credit bureaus. You might even be able to get some legitimate bad remarks taken off your report if they are old enough and you say you don't remember missing the payment.
- Pay down your revolving debt on credit cards. This is the worst kind of debt and accounts for up to 15% of your credit score. Use a consolidation loan or just make extra payments when you can.
- Ask for a credit limit increase to improve your credit utilization ratio. This doesn't mean rush out to charge more, it's only to show lenders that you have credit available and aren't scrambling for quick money.
You do have options with a 650 credit score but the world will open up if you can boost your FICO just a little bit. A 650 FICO will get you decent rates on personal loans but you still might have trouble getting a mortgage or refinancing at the lowest rates. Use a consolidation loan to increase your score and you'll qualify for prime lending in less than a year.


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Toledo Sofa
Also comes as two seater
Overall width: 2400
Overall depth: 850
Overall height: 900
All measurements in millimetres. Dimensions and sizes are subject to change without notice. Please contact us if your require further information. Please note: featured images are indicative only and may not be to scale.


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Tasty BubbleShooter game
Play this funny and sweet bubble shooter game. Aim with your sweets at the other on the board to remove them. Your goal is to clean all sweets from all levels.
Tasty BubbleShooter, play free Shooting games, related games and updates online. Added on
Author: kawaii 82
Here are some more related games in Shooting category. Also you can jump to other category using box above.
Loading... 0% (Total size: 1.46 mb)


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Welcome to Tech and Sports a cool new site where you can find information on
the coexisting relationship of technology within sports. To give you
a more technical idea of the site's purpose, we will focus more on
the incorporation and advancement of technology in the professional
level of sports. Though one of the main focuses of the site is
technology within professional sport, it is not held to that one
area. Newer technologies and/or talk of the current sporting events
can also be areas of discussion. In most cases I will have my
personal views on a topic because I'm also learning in the process of
finding information.
My Story
When I think back 5 years ago, it's crazy to think how much professional
sports have changed. For example in the NFL, I remember when the
organization was just incorporating Windows tablets to be used for
coaches, players, and officials on the sideline. At the time I didn't
feel there was any use for them because I was use to the coaches
drawing out plays and understood that teams go over plays and schemes
throughout the week prior to the game. Many coaches at the time
continued coaching without the Windows Surfaces. But now when I watch
a game I can see Windows Surfaces being used on both team's
sidelines. That's just one example which shows how technology had
made a quick change in professional sports.
I have always loved sports and technology so it feels natural to take
time out and get an in depth look into the different ways technology
has grown within sports. I've played Sports all throughout my life
from the backyard of my parents house to the competitive level. Also
computer technology plays a key role in my life, so much that it
became the very field which I studied in college. Just in case you
were curious, my major in college was Computer Science.
I have also began to see how video game competitions are beginning to
grow in popularity by the quantity of competitions being viewed on
television. Just within this past year I've seen a wide variety of
genres from first person shooters, fighters, sports, etc. The term
E-Sports is what I've heard to be the name for this young developing
profession. Though I know these type of competitions have been
existent for many decades, it has been gaining so much popularity
that ESPN began to cover a variety of their major competitions.
When I think about it, I'm baffled by how far technology has come within
professional sports and how great of an effect it has had on it in
such a short amount of time. But it just goes to show you how important technology is for sports
and also our daily lives.
Why I want to help people?
Have you ever done a research paper and were bored by the way an
informative text dragged on? Well that's one of the reasons I've
created this website. Many times in my college career I was
aggravated when reading text that made simple information more
complicated than it needed to be. So that's why I want to give you
information that is quick, reliable, and hopefully good for you to
read. Just to let you know, I'm not telling you to use this site for
researching purposes.
This website is not just used for information but it's also a place where
you may be able to find some cool sites where you can buy an
assortment of items. In certain cases I may even write a piece on the
site, giving a personal opinion of how I feel about it. Hopefully
you'll find a unique site that has sporting good or tech you were
looking for, or didn't know existed.
What are my goals?
1. To have an audience to talk to. 🙂
2. To have a site with information that is accurate and keeps my
audience engaged and wanting to read more.
3. For my writings to have terminology (words) that is easy for my
audience to understand.
4. To give my audience trustworthy sites they may not see on a daily
5. To have more goals in the future.
Thank you so much for taking time out to read my first official article. I
hope you come back sometime in the future to see what's new at Tech
and Sports.
All the best,
Mr. T. Sports


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This spring, SPA students had the opportunity to gain firsthand experience in applied research and help a Colorado municipality with its citizen engagement for land use and development. Working with the Hometown Colorado Initiative, MPA students in SPA Assistant Professor William Swann's Organizational Management and Behavior course employed strategic management and planning techniques to develop a strategic action plan for the City of Arvada to help the city better engage citizens in land development decisions and dialogue.
Led by four student team leaders (Dan Graeve, Samantha Temple, Shelley McMullen and Drew Woodward), over 20 SPA students worked closely with Arvada's Department of Community Development and other stakeholders to craft actionable strategic recommendations aimed at improving early-stage engagement, citizen and developer education/awareness and internal city communications systems. Team leaders presented the recommendations from the project to city officials and staff on May 4, receiving praise and constructive feedback for their work.
From left to right: City of Arvada Department of Community Development: Rita McConnell (director) and Will Tucker (planner II); School of Public Affairs students: Dan Graeve, Samantha Temple, Shelley McMullen, and Drew Woodward (photo by William Swann).
Categories: Uncategorized


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John S. Marshall
Attorney Profile
Top Rated Employment Litigation Attorney in Columbus, OH
Columbus, OH 43215
- Employment Litigation: Plaintiff (80%),
- Civil Rights (20%)
John S. Marshall is an attorney providing legal services covering Employment Litigation: Plaintiff and Civil Rights.
John Marshall, who practices law in Columbus, Ohio, was selected to Super Lawyers for 2004 - 2020. This peer designation is awarded only to a select number of accomplished attorneys in each state. The Super Lawyers selection process takes into account peer recognition, professional achievement in legal practice, and other cogent factors.
Prior to becoming an attorney, he studied at The Ohio State University Michael E. Moritz College of Law. He graduated in 1983. After passing the bar exam, he was admitted to legal practice in 1983.
Certificates and Credentials
- Ohio State Bar Association Certified Specialist - Labor & Employment Law
- American College of Labor & Employment Lawyers
Articles about John S. Marshall appearing in Super Lawyers
Additional Sources of Information About John S. Marshall
John S. Marshall:
Last Updated: 10/19/2019
Additional Lawyers You May Be Interested In
Employment Litigation
Employment Litigation
Employment Litigation
Employment Litigation
Employment Litigation


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Migaloo, the Albino Whale
It's rare enough to see something as massive as a humpback whale breeching the surface of the ocean, but rarer still when the whale is completely void of pigment. The above photo is among the few high-resolution images of Migaloo, the only documented albino humpback whale in the world. Photographer Jenny Dean snapped this photo in August, 2013, where Migaloo was spotted outside the North Barnard Islands near Innisfail, Australia.
Migaloo, whose name means "White Fella" in the Aboriginal language, was first spotted in 1991 along Australia's Queensland coast. With the marine mammal making regular migratory journeys from Antarctica to Australia and back, a growing number of followers have joined in tracking the progress, hoping to document and share any encounters of the distinctive creature. Migaloo's popularity has resulted in his protection under Australian law, as well as his own website.


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The Homeland! O the Homeland! The land of souls free born!
No gloomy night is known there, but only fadeless morn:
I'm sighing for that country, my heart is aching here;
There is no pain in the Homeland to which I'm drawing near.
My Lord is in the Homeland, with angels bright and fair;
No sinful thing nor evil, can ever enter there;
The music of the ransomed is ringing in my ears,
And when I think of the Homeland, my eyes are wet with tears.
For loved ones in the Homeland are waiting me to come,
Where neither death nor sorrow invades their holy home:
O dear, dear native country! O rest and peace above!
Christ bring us all to the Homeland, of His eternal love.


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Species richness is not evenly distributed across the tree of life and a limited number of lineages comprise an extraordinarily large number of species. In lichen-forming fungi, only two genera are known to be 'ultradiverse' (>500 species), with the most diverse genus, Xanthoparmelia, consisting of c. 820 species. While Australia and South Africa are known as current centres of diversity for Xanthoparmelia, it is not well known when and where this massive diversity arose. To better understand the geographical and temporal context of diversification in this diverse genus, we sampled 191 Xanthoparmelia specimens representing c. 124 species/species-level lineages from populations worldwide. From these specimens, we generated a multi-locus sequence data set using Sanger and high-throughput sequencing to reconstruct evolutionary relationships in Xanthoparmelia, estimate divergence times and reconstruct biogeographical histories in a maximum likelihood and Bayesian framework. This study corroborated the phylogenetic placement of several morphologically or chemically diverse taxa within Xanthoparmelia, such as Almbornia, Chondropsis, Karoowia, Namakwa, Neofuscelia, Omphalodiella, Paraparmelia, Placoparmelia and Xanthomaculina, in addition to improved phylogenetic resolution and reconstruction of previously unsampled lineages within Xanthoparmelia. Our data indicate that Xanthoparmelia most likely originated in Africa during the early Miocene, coinciding with global aridification and development of open habitats. Reconstructed biogeographical histories of Xanthoparmelia reveal diversification restricted to continents with infrequent intercontinental exchange by long-distance dispersal. While likely mechanisms by which Xanthoparmelia obtained strikingly high levels of species richness in Australia and South Africa remain uncertain, this study provides a framework for ongoing research into diverse lineages of lichen-forming fungi. Finally, our study highlights a novel approach for generating locus-specific molecular sequence data sets from high throughput metagenomic reads.
Email your librarian or administrator to recommend adding this to your organisation's collection.


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SEattle College Prep and water Polo Clinic
I am ecstatic to have the opportunity to once again see all my Seattle friends, players, and sharing my water polo knowledge with the area.
Last year the college prep seminar went so well, Northwest asked me to come back. This time I have some new information I look forward to offering.
We will have a very effective pool session and I look forward to spending time before and after.
RSVP below, spots limited


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Based in Detroit, MI
4229 Leslie
Detroit, MI 8238
Handmade jewelry for every day wear. Made in Detroit, MI.
The Channel Collection by Goldeluxe is the newest distillation of artful minimalism for modern jewelry. Pared down to the absolute essentials, every piece is crafted by hand, piece by piece, each with its own special imperfection. Following a long lineage of builders in Detroit, the Channel Collection is hand-carved in a studio on the west side of the city.
This bracelet has been lovingly hand carved in wax, then cast in metal using the lost wax casting process. Available in brass or sterling silver - please inquire for other metal types.
Brass bracelet has 14k gold filled jump rings and clasp. Measures approximately 7.5" long. Please inquire for other lengths.
This bracelet is made to order - please allow about 2-3 weeks to be made. If they are in stock they'll be shipped much sooner. You will be notified when it ships.
About the materials


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If you are someone who is suffering from back pain and is looking for a way out of it then you should definitely go for a more systematic form of treatment that is able to offer absolute care and attention to one and all. It should be able to gauge what issues that a particular individual is facing and tweak the treatment methods as per the requirements.
A far as back pain treatment Singapore is concerned, Specialist Pain comes across as the best and most sought after platform. It ensures to provide the best kind of support in this regard for one and all.


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4 thoughts on "15 Minute Spinach Basil Pesto."
Thank Ari!!
Thank you so much, Ashleigh! Actually I do have Instagram! You can find me there by clicking on the Instagram logo on the left social media bar here on the blog, or @thegirlwrites 😀
Most (I think it's safe to say all) of my Instagram posts are by my phone. On the blog I post pictures I take with my little old Canon Rebel T1i. Basically the ancient equivalent of any Canon Rebel T5i now. 🙂
Thank you SO much for passing by and leaving a comment! I really appreciate it. Hope to see you on Instagram!
Your photography is amazing! I love the bright colors and graphics. What kind of camera do you use? Also, you should definitely get an Instagram account and share your posts on there. I would love to follow you. 😀
That looks delicious!! thank you for sharing!


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Pack In, Then Knit
The heart wants what it wants and for Ritual Dyes founder and yarn-slanger Rachel Batcher, one day that came to mean one thing: The perfect, end-all vessel with with to tote and work on projects on the fly. So, she got out her sketch pad and got to work on the Knitter's Backpack.
The design itself takes various on-the-go knitting stances into account: sitting, sure, but also walking and leaning (like, if you're on the bus or train, for instance). The ingenius strap mechanism can sit on your back one moment, then slip through to rest on your forearm the next. It's open at the top so your yarn can keep on flowing, but, made in structured and waxed duck canvas and leather, it's structured enough that your stuff won't spill out.
Consider us enamored.


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Solar energy is hot in New Jersey and that is making New Jersey one of the hottest places to be, according to Michele Siekerka, assistant commissioner for economic growth and green energy at the state Department of Environmental Protection. "When I would attend conferences on solar energy a few years ago everyone was talking about the Germans. Today, the Germans are all talking about New Jersey," she explains.
Right now New Jersey is second in the nation only to California in the amount of solar energy it produces — 230 megawatts per day. What does that mean in layman's terms? "Think about a typical light bulb that is 75 or 100 watts. A megawatt is 1 million watts," Siekerka says, "and 230 megawatts can power about 800 homes."
Siekerka will be the guest speaker at the Green Initiatives luncheon of the Greater Bordentown Chapter of the Mercer Regional Chamber of Commerce on Tuesday, March 29, at 11 a.m. at Villa Mannino restaurant in Bordentown. $45. Visit www.mercerchamber.org.
Siekerka is a familiar face to members of the Mercer Chamber, where she held the position of president and CEO for six years until her appointment at the DEP last July. The Robbinsville resident also recently completed a year-long Ford Foundation Fellowship for Regional Sustainable Development, working with chambers of commerce and business leaders from around the country to develop regional action plans.
Prior to her six-year stint with the Mercer Chamber, Siekerka worked as a senior legal consultant and vice president of human resources at AAA. Prior to that, she was a partner in a Mercer County law practice. She earned her bachelor's in political science and German from Rutgers University and her J.D. from Temple in 1989.
Siekerka's new position is designed to work with environmental advocacy organizations, large and small businesses and industry, local governments, and residents to identify and create opportunities for economic growth while safeguarding the environment.
Siekerka feels that the recent incidents at Japan's nuclear power plant make it even more imperative that we pursue diverse energy sources, particularly those that are clean and green. "The recent international situation should cause us to move ahead even more boldly and decisively to make large-scale green energy a reality, including offshore wind," she says.
#b#Economic growth#/b#. Siekerka's talk at the chamber luncheon will focus on the value of going green for members of the business community. "Green is great for economic growth," says Siekerka, particularly at a time when many segments of the economy are recovering more slowly from the recession of the past few years. Statistics show that while only 2 percent job growth is expected in the next 12 months in the economy as a whole, the expected job growth in the green sector is 26 percent.
#b#More than temporary employment#/b#. The average solar manufacturing company employs 24 workers, while a solar installation company employs eight. "Many people think of installation as temporary employment, but in the case of solar installation, there is so much demand that companies are moving straight from one job to the next," she says.
While the stereotype of an installation job is that of a low-skill job for low pay, the opposite is true for solar installation positions. "These are highly skilled workers who command good salaries and have secure jobs and benefits," Siekerka says. "They are making more than just a living wage."
Two companies in particular are making headlines in solar energy in New Jersey. MX Solar of Somerset opened last fall. The solar panel manufacturer expects to double its production within one year. And Petra Solar in South Plainfield has a contract with PSE&G to manufacture "smart solar panels" for utility poles throughout the state. The 200,000 panels are being installed on existing poles. Each panel provides about 200 watts of power. About 72,000 panels have been installed to date.
#b#Energy from the wind#/b#. Solar energy, however, is not the only renewable source of energy the New Jersey DEP is promoting for the state. Offshore wind energy is another area that is just beginning to be developed. Off-shore wind energy facilities are installed on the continental shelf, about 20 miles offshore, in waters controlled by the federal government, rather than the state, making installation an even more complex and regulated procedure.
The state spent two years studying the effects of wind energy installations on the environment, Siekerka says. A baseline study on environmental impact was completed on the area from Seaside Park to Sea Isle City, from the shore to 20 miles out to sea. The map produced divided the area into blocks that identify the best areas for offshore wind installations. Interested companies will make their bids based on these blocks, she says. Three developers have interim leases with the federal government for experimental research projects in the area. Companies that produce energy from offshore wind installations will be able to sell it back to New Jersey energy companies.
But you don't have to be an energy company to benefit from offshore wind. The new industry will generate other types of jobs throughout the state, and will bring manufacturing businesses to New Jersey. "These wind turbines are huge pieces of equipment that need to be manufactured close to the installation site," Siekerka says. "My goal is to attract more manufacturing to the state and to build the supply chain for offshore wind energy. I want to make sure that New Jersey gets its piece of the pie."


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Social Media Marketing + Friendship = The New Networking For Women
We're all familiar with the importance of business networking, making connections, and leveraging your marketing platforms in the professional world, and everyone has probably attended at least one networking event in their lifetime. But what about networking, building authentic relationships, and marketing your business all at once in the virtual world?!
Forming authentic friendships over social media is just as important and helpful for your business as any in person networking event! The benefits of making social media friends are many, and include:
Building a loyal following to your business or organization
Cross-promoting your blog with another
Meeting like-minded creative professionals
Forming strategic business partnerships/ collaborations
Having influencers in your career field promote your products or service
The list can go on for days! The bottom line is building new connections using social media is a fantastic resource for you and your business. So, how do you build these connections? Here are our favorite tips:
1. Comments, Comments, Comments.
We can't say it enough. Everyone loves to see new faces interacting with their content, whether on a blog, Tweet, or Instagram picture. Leaving a compelling comment underneath someone's content shows them you are really listening to what they have to say (or show you). Asking a question will also lead to their response, which can turn into a full-on conversation. Show others that you are interested in what they have to say and they will very likely return the favor.
2. Participate.
Social media is chock-full of different ways for you to participate in what other people are doing. Interact on their Instagram. Answer questions they ask on Facebook. Tweet back to interesting Tweets. Building relationships online is very similar to building them in person. Become an active participant. Not only will people see that you are engaged, but the more active you are, the more people will view you as an expert in your field.
3. Reach Out.
Perhaps you have one particular blogger in mind who regularly posts great articles. Maybe you can think of a local business whose Facebook presence is out of this world, or a fellow creative whose Instagram always receive a lot of authentic interaction. Reach out to them! Simply sending someone a message letting them know who you are and why you admire their work will set you apart from others.
4. Go in Reverse.
You might already be attending regular in-person networking meetings and meeting new connections left and right. Don't just collect business cards to let them sit on your desk. Add your new connections and become a follower of their professional social media accounts.
Now that you've begun to make new social media friends, remember that like any other friendship or business relationship, it takes time. Immediately asking someone to promote your blog the day after you have started talking to them is probably not a good idea. Get your feet wet, continue your regular interactions, and use your intuition to decide when you reach your comfort level with this person enough to be able to ask them for a favor. The combination of connecting with others using social media and "live" networking is one of the best formulas for getting yourself and your business known.


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Telling the Rebuilding Together Houston Story
On Site
Every crew receives a sign to place in the front yard of the home with the crew's name displayed along with Rebuilding Together Houston contact information. This is a useful tool for directing interested neighbors who would like to know more about how to apply for Rebuilding Together Houston services. Please leave the sign when you are done with your project. Someone from RTH will remove it during final inspections.
Social Media
We need your help telling our story on social media. The more people that see the fun they can have volunteering for Rebuilding Together Houston, the more people will want to volunteer to help our neighbors in need!
Don't forget! Appoint a volunteer to be the Social Media coordinator; she/he will be in charge of sharing the Rebuilding Together Houston social media information with volunteers and sharing photos with relevant RTH staff.
The Essentials:
- Facebook: @RebuildingTogetherHouston
- Twitter: @RebuildingHou
- Instagram: @RebuildingTogetherHouston
- Website: rebuildinghouston.org
Current Hashtags:
- #ReparingHomes
- #RevitalizingNeighborhoods
- #AfterHarvey
Tips and Tricks:
- Check-in at Rebuilding Together Houston on your build site via Facebook to let all of your friends know the great cause you are supporting!
- Click the check-in button located at the top right of your Facebook newsfeed.
- Type in "Rebuilding Together Houston."
- Click the location, add a message, and then post.
- Take multiple before and after pictures of the build. Don't forget to take from the same angles for maximum visual impact!
- Post photos to Facebook/Twitter/Instagram and tag us. Tag us by entering the @ symbol and typing in the corresponding name for the social media platform you are posting to (see above).
- Encourage fellow volunteers and team members to get involved via social media. Don't forget to tag!
- Use video! Both Facebook Live and Instagram Stories are very popular ways to spread the RTH story.
- "Say Cheese!" Get a group photo of your team and volunteers at the end of the build. Capture the picture perfect memory of the hard work you put into changing lives and your community!


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Walt Disney World's FastPass+ System
Tips and Tricks to Help You Plan Your Magical Vacation!
By Tyler Braun
Last Updated - August 19, 2019
Walt Disney World's FastPass+ system is a great way to help maximize your time in the parks! This complimentary benefit allows you to skip the standby line at over 60 Walt Disney World experiences! Using Disney's FastPass+, you can make up to three FastPass+ selections per day, at a single park, for each day you have a ticket.
FastPasses can be made starting 60 days prior to your arrival date (30 days if you're staying off property*), starting at 7:00AM Eastern Time. Your first day is the best time to try and reserve those hard-to-get FastPasses for things like Seven Dwarfs Mine Train, Frozen Ever After, and the new Avatar rides!
Magic Kingdom has a straightforward selection system, where you can reserve three FastPasses at any of their attractions. Hollywood Studios, Epcot, and Animal Kingdom have a tiered system. They have a list from which you can pick one attraction (the top attractions in each park) and you can pick your other two FastPasses from a second list of less popular attractions.
Once you're in the parks, you'll then use your MagicBand to enter the FastPass+ line during your 1-hour arrival window.
Generally, I advise trying to reserve your FastPasses for the morning, as once you use your initial three FastPasses, you'll be able to add more for later in the day! You can add more by using the My Disney Experience Mobile App or by visiting a FastPass+ Kiosk where a Cast Member can assist you in planning.
FastPass+ Options
As I mentioned above, Magic Kingdom has a straightforward FastPass+ selection system, and you can reserve three FastPasses at any of their attractions, based on availability. Hollywood Studios, Epcot, and Animal Kingdom all have a tiered selection system. Below you will find all of the current attractions in Walt Disney World currently eligible for Disney FastPass+. For Epcot, Hollywood Studios, and Animal Kingdom, I have broken down the attractions into Tier 1 and Tier 2. When selecting your FastPasses, you can pick one attraction from Tier 1, and you can pick two attractions from Tier 2.
Magic Kingdom Park
The Barnstormer
Big Thunder Mountain Railroad
Buzz Lightyear's Space Ranger Spin
Dumbo the Flying Elephant
Enchanted Tales with Belle
Haunted Mansion
"it's a small world"
Jungle Cruise
Mad Tea Party
The Magic Carpets of Aladdin
The Many Adventures of Winnie the Pooh
Meet Ariel at Her Grotto
Meet Cinderella and Elena at Princess Fairytale Hall
Meet Mickey Mouse at Town Square Theater
Meet Rapunzel and Tiana at Princess Fairytale Hall
Meet Tinker Bell at Town Square Theater
Mickey's PhilharMagic
Monster's Inc. Laugh Floor
Peter Pan's Flight
Pirates of the Caribbean
Seven Dwarfs Mine Train
Space Mountain
Splash Mountain
Tomorrowland Speedway
Under the Sea ~ Journey of the Little Mermaid
Tier One (You may select 1 of the following)
Frozen Ever After
Illuminations: Reflections of Earth
Test Track
Meet Disney's Pals at the Epcot Character Spot
Tier Two (You may select 2 of the following)
Disney & Pixar Short Film Festival
Journey Into Imagination with Figment
Living with the Land
RELAUNCHED! Mission: Space
The Seas with Nemo & Friends
Turtle Talk with Crush
Spaceship Earth
Disney's Hollywood Studios
Tier One (You may select 1 of the following)
Toy Story Mania!
Alien Swirling Saucers
Slinky Dog Dash
The Twilight Zone Tower of Terror
Rock 'n' Roller Coaster Starring Aerosmith
Tier Two (You may select 2 of the following)
Disney Junior - Live on Stage!
For the First Time in Forever: A Frozen Sing-Along Celebration
Indiana Jones Epic Stunt Spectacular!
Muppet*Vision 3D
Star Tours - The Adventures Continue
Voyage of the Little Mermaid
Beauty and the Beast - Live on Stage
(FastPass+ will not be offered for the rides or attractions in Star Wars: Galaxy's Edge)
Disney's Animal Kingdom Theme Park
Tier One (You may select 1 of the following)
Avatar Flight of Passage
Na'vi River Journey
Tier Two (You may select 2 of the following)
Expedition Everest - Legend of the Forbidden Mountain
Festival of the Lion King
Finding Nemo - The Musical
It's Tough to be a Bug!
Kali River Rapids
Kilimanjaro Safaris
Meet Favorite Disney Pals at Adventurers Outpost
Primeval Whirl
Rivers of Light
All rides and FastPass+ selections are subject to availability.
FastPass+ Suggestions
It's all well and good to see all of the rides, attractions, and other experiences listed out, but what what should you select? Here are a few suggestions to get you thinking about what you may want to reserve!
Magic Kingdom Park
In the Magic Kingdom, I definitely suggest trying to get FastPasses for Seven Dwarf's Mine Train! It's one of the newest rides in Walt Disney World and can be one of the hardest FastPasses to find. It's a thrilling, yet amazingly smooth ride through a mine where a "million diamonds shine"! The three "Mountains of the Magic Kingdom" (Space Mountain, Splash Mountain, & Big Thunder Mountain) are also good rides to use a FastPass, as their lines tend to be pretty long all year. Both Peter Pan's Flight, Haunted Mansion & the Pirates of the Caribbean are also known for having long wait times, so if those are "must-do" attractions for you, it may be worth considering using a FastPass for either of these. "it's a small world" is, of course, a classic, and provided you don't mind the incessant singing of children ringing in your ears for the rest of the day, this is a great attraction for the kid in all of us!
Epcot has three of my favorite rides in all of Walt Disney World! Soarin' takes you on a journey across the world and gives you a bird's eye view of some of the most iconic places on earth such as the Eiffel Tower in Paris, the Taj Mahal in India, and the Great Pyramid in Egypt! Test Track takes you inside a computer simulator to test a concept car, and the brand new Frozen Ever After ride in the Norway Pavilion takes you to visit Anna and Else in Arendelle! All three of those rides top my "must-do" list! Another really cool attraction is Mission: Space! It takes you on a ride to Mars and you really feel like you're blasting off into space! There are also other classic attractions, such as Spaceship Earth, located inside the "Epcot Ball" and Living with the Land!
Disney's Hollywood Studios
If you are into thrill rides, this is the place to be! The Twilight Zone Tower of Terror and Rock 'n' Roller Coaster are two of the most intense and fun rides in all of Walt Disney World! If you're fans of Star Wars, Star Tours is a really cool motion simulator ride that makes you feel like you're flying through space! Toy Story Mania is also tons of fun, and since it's a game you can compare scores and see who's the all-time winner! Slinky Dog Dash is a family-friendly roller coaster with lots of fun twists and turns. One of my favorites is the Muppet*Vision 3D. It's a little (ok a lot) silly, but it's really funny and the technology is still cool! I would suggest not using a FastPass+ on Muppet*Vision 3D because there generally is not a long line. Finally, at the end of the day, Fantasmic! is the perfect way to end the day at Walt Disney World and my personal favorite nighttime show. A few suggestions - you shouldn't need to use a FastPass if you get to the line early enough. I would suggest going to the later show if everyone has enough steam left, because it tends to be less crowded. Finally, try and sit as close to the middle as possible, but not in the first 10 or so rows, because you'll get wet from the water screens!
Disney's Animal Kingdom Theme Park
Both Expedition Everest and DINOSAUR hold the top spot for my heart in Animal Kingdom. They're both thrilling, but in very different ways. Expedition Everest is a high-speed roller coaster that takes you into the Legend of the Forbidden Mountain where the Yeti lurks! DINOSAUR takes you back in time to save an iguanodon right at the brink of extinction. I hope you make is back in time! Kilimanjaro Safaris is a neat way to see some wild African animals up close! It's Tough to be a Bug is a show that takes place inside the Tree of Life! It's a 3D show that has laughs for everyone. One of my favorites in Animal Kingdom is Primeval Whirl! It's not often talked about, and it's one of my favorite hidden gems in Animal Kingdom! The lines tend not to be very long, and it looks like a "kiddie" ride, but it's really a blast! The cool thing about Animal Kingdom is there are lots of trails and hidden walkways with animals all around. There are the Discovery Island Trails, Gorilla Falls Exploration Trail, Maharajah Jungle Trek and more that are really cool ways to see the animals. Finding Nemo the Musical and Festival of the Lion King are also both great shows. The new world of Pandora also has two rides with FastPass+ capability. The first is Avatar Flight of Passage, on which you soar on the back of a mountain banshee during a thrilling ride over Pandora! The second is the Na'vi River Journey, where you venture deep into a bioluminescent rainforest in search of the Na'vi Shaman of Songs. These are on a tiered system from which you can only pick one for the FastPass+ system.
How to Make FastPass+ Reservations
Here are some step-by-step instructions on how to make a FastPass+ reservation online!
After logging into your My Disney Experience account on a computer, select "MyDisneyExperience" from the home page in the top right corner. Once you log in, you may already be on that page. At the top it will say "Your Name's Plans and Tickets", that's how you know you're on the right page. A little ways down the page, you'll see five circles that say, "Friends and Family, Resort Hotel, Park Tickets, Dining and FastPass+". Hover over the circle where it says "FastPass+" and click "Make a Selection".
On the next page it gives you a bit of info about FastPass+. Click "Get Started".
Next, select your FastPass+ group members. You can use the "select all" button to easily choose everyone. Click "next".
Select the date you wish to make FastPasses for, and select the park you wish to visit that day. All three of your initial FastPasses will have to be at that park, even if you have Park Hopper tickets. Click "next" after you make your selection.
You'll then see all the available FastPasses and times listed out. At the top of that screen you can narrow things down by selecting a general time (morning, evening, etc) or a specific hour. You can also select a specific ride and see all the available times for the day. Once you select a FastPass+ and a time, you'll confirm all the details on the next screen. Once you reserve your FastPass+, you'll see the options to "Continue on Same Day", or "Select Different Day". After you make all your FastPasses, you can go back to your My Disney Experience homepage (where it says "Your Name's Plans and Tickets", and you'll then see all your FastPasses listed there!
You can also make FastPasses on the My Disney Experience app if you prefer. It's all the same steps, but just via the app. Disney has set it up so it walks you through step by step what to do, so it's really pretty easy!
Additional FastPasses
A lot of people have asked me about acquiring additional FastPasses. Currently there is actually no way to buy any more than the three you have per day. Once you redeem your initial set of FastPass+ selections (or the last arrival window has passed), you can make another FastPass+ selection for the same day at an in-park kiosk or using your mobile device, up to park closing. After you redeem your additional FastPass+ pick, you can make more selections, one at a time. If your ticket includes the Park Hopper Option, after you use your initial FastPass+ selections at the first park, you'll be able to make additional FastPass+ selections (one at a time) at a kiosk or using the mobile app at the second park you visit that day, up to park closing.
So there you have it! A brief overview of Walt Disney World's FastPass+ system! What tips and tricks do you have for using Disney's FastPass+ system? Comment below!
Are you wanting to head out on a Walt Disney World vacation, but you don't know where to start? Contact me to find out how I can personally assist you in planning your own magical adventure! Follow the link below to fill out a no-obligation quote form for People Mover Travel! When you book through me, you get an expert Disney planner that can book your resort, park tickets, transportation, and even all your dining & FastPass+ reservations. The best part, I work for you for free!
Walt Disney World Quote: https://www.peoplemovertravel.com/walt-disney-world-quote
*There are a select few Walt Disney World Good Neighbor Hotels that also offer the 60 day FastPass+ booking window.


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NSS Boycott: Why we are doing it
Dear Students,
Following the meeting of the Students' Union Council on the 11th of January, it was agreed to pass a motion in favour of supporting a boycott of the National Student Survey based on the following beliefs:
- Due to the size and largely practice-based learner journeys within the Conservatoire the National Student Survey is not a rigorous feedback method for students
- The resource used on the promotion of the National Student Survey should be redirected to the enhancement of current and/or innovative feedback systems
- The demand of resource on senior management, teaching and support staff to promote the completion of the NSS detracts from teaching and more direct enhancement of the learner experience within the Conservatoire.
- The focus on the National Student Survey prevents more considered metrics to be used to enhance learning within the Conservatoire
- The National Student Survey creates a method of feedback that is geared toward marketing not enhancement of the institution and programmes within it.
- The National Student Survey is a poor metric with which to assess Teaching Excellence
- We are opposed to the National Student Survey being used as a metric within the Teaching Excellence Framework (TEF) that allows institutions in England and Wales to increase fees for students.
Over the next few months you'll hear more from the Students' Union Council team as to why we believe it is important that you join us in boycotting the National Student Survey. Sign and support the boycott by clicking this link: https://goo.gl/forms/qrBYfP9fxD4hcap33
We currently sit alongside 21 Student Associations throughout the UK including London School of Economics, Oxford University, Aberdeen University, Sussex University and Royal Central School of Speech and Drama in supporting this boycott and we expect more to follow in the coming weeks. I want this to be clear – we are not alone in this action.
The NSS remains a poor way in which to gather feedback for us at the Conservatoire and I will personally be focusing on delivering the Council's decision to support the boycott and enhancing the Programme Committee structures to look at developing feedback approaches and committee rep support. We aim to work with the Conservatoire to enhance current feedback systems including programme committees to ensure students' voices are appropriately heard and acted upon. We want to work towards creating a feedback method for our final year students that is Conservatoire-sector leading and student centered.
The NSS boycott is situated within a climate of an increasing marketization of Higher Education, that makes our education suffer. NSS results, through the Teaching Excellence Framework, are being linked to institutions abilities to raise fees; already we are expecting an increase for new students to RCS year on year based on inflation. We need to stand in solidarity to support a Higher Education that is under threat. We will be running the campaign throughout the next few months and I would welcome coming and talking to anyone who is interested/conerned, please feel free to just drop me a message and meet you/other people on your course.
If you have any questions in the meantime please do not hesitate to get in touch with us.
Warm wishes,
Will Stringer
Royal Conservatoire of Scotland Students' Union


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Our Services
How We Can Help
Our Services
Our experienced team of family law professionals advise clients on a broad range of legal matters, from the straightforward to the complex.
When our clients require assistance from other professionals, our deep network of contacts enables us to direct them to the best people available to meet their needs and reach the best outcome. Our network of professionals includes specialist lawyers, barristers, counsellors, health professionals, mediators, valuation experts and accountants.
Our solicitors have the skills necessary to represent our clients in all forms of dispute resolution, ranging from informal conferences through to appearing in Court, either with or without counsel.
Gayle Meredith & Associates is able to promptly prepare the necessary documents to legally formalise agreements reached between clients and their former spouse and with skills which are second to none and to a standard unmatched in the Australian marketplace.
Advice leading up to separation
When contemplating separation from your partner, it is essential that you obtain expert advice to fully understand the legal consequences involved.
Receiving sound and practical advice as early as possible allows our cleints to plan a course of action that will minimise the financial and emotional difficulties that can follow separation.
Parenting arrangements for children
For those with children a primary concern following a separation are the arrangements made for their children. The consideration of the children's best interests is critical to minimise their the stress and anxiety.
Our legal professionals provide practical and sensitive legal advice in this area. We can assist in negotiating arrangements with your former spouse, and then legally document these agreements. If an agreement is not reached, then we will assist in all ways necessary to obtain a resolution of these issues through the Court structure.
In cases where it is suitable we can direct you to appropriate professionals including mediators to assist in the resolution of these issues.
Individuals who are married and who have been separated from their partner for at least twelve months may make an application to the Federal Magistrates Court to file for divorce.
While this procedure is straightforward in some instances, others require expert advice from an experienced team.
Complex scenarios whereby expert advice is critical include:
- When the divorcing parties have children;
- When the divorcing parties were married for less than two years; and
- If part of the separation period was spent living in the same premises as each other.
De facto and same sex relationships
For unmarried couples including both opposite and same sex partners, who have been living together, it is important to obtain expert advice as to each parties legal rights in the event of separation.
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The Gayle Meredith & Associates team is well placed to provide experienced and expert advice in relation to all aspects of the law relating to de facto relationships.
Child support
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No two cases are the same. You may have rights or obligations under the Child Support (Assessment) Act or other related legislation and it is important to obtain expert legal advice to help navigate this difficult area.
Our team can provide essential advice regarding process, what can be expected to be achieved, as well as what can be done to alter child support assessments, orders or agreements.
Property settlements
Our team of solicitors have the qualifications and experience to give superior expert advice in relation to financial matters.
Whether your financial position is straightforward or extremely complex, there is no team of lawyers better equipped to provide you with sensible, practical and expert advice to negotiate the best possible outcome for you in your individual circumstances, or if necessary, prepare for or meet property proceedings in the various Courts.
Spouse maintenance
The prospect of separation makes many people fearful of being unable to financially support themselves, while for others the greater concern surrounds their obligations to provide for their former spouse in the short term and into the future.
Obtaining early advice is essential. Gayle Meredith and Associates can assist to resolve any issues in relation to the provision of short-term maintenance, so that you and your former partner can focus on the longer-term issues.
We are experienced in making urgent applications to Courts when necessary and in assisting clients meet such applications they may face under the Family Law Act.
Documenting settlements
Most couples who separate at some stage thereafter reach agreement in relation to the issues that arise.
It is essential that those agreements be documented property so that you can be confident that, to the extent that it is possible, the arrangements will be final and enforceable, and allow you to move on with your life.
Our team has the skills, experience and efficiency documenting these arrangements as part of consent orders, financial agreements or child support agreements.
We will advise you as to the benefits and weaknesses of each method of documentation given your own particular situation.
Domestic violence
In circumstances of domestic violence of any sort, we can sensitively provide practical legal advice and refer you to other professionals who can assist you with obtaining ongoing protection and deal with the repercussions.
If domestic violence allegations have been made against you, we are able to provide you with representation, advice, guidance and referral to the appropriate experts.
Court proceedings representation
In providing our clients with effective solutions to the resolution of family issues, Gayle Meredith & Associates considers all available options to achieve the best possible outcome.
We provide forward thinking advice to avoid disputes and we assist in and encourage the facilitation of and resolution of disputes.
There are cases when it is not possible to resolve issues and Court proceedings either need to be initiated or need to be met. The solicitors at Gayle Meredith & Associates have advocacy skill and efficiently prepare all documentation required in the course of proceedings.
We will appear at directions hearings, conciliation conferences and interim applications or where appropriate instruct counsel in relation to such applications and at final hearing.
Wills following separation and divorce
Separation or divorce does not invalidate your will. If no updated Will exists following separation, State Laws are such that your death could result in disastrous repercussions which are not in accordance with your wishes.
Gayle Meredith & Associates is able to cost effectively and promptly, prepare an updated will, providing you with peace of mind.
Mediation and Settlement Conferences
Gayle Meredith is a Nationally accredited mediator and can assist in the resolution of a diverse range of issues that fall under the Family Law Act. She is also qualified to deal with less specialised issues between disagreeing parties.
Gayle has mediated family related matters including:
- Property settlements
- Parenting arrangements for children
- Child support issues
- Spousal maintenance
- Estate related disputes
- General disputes following the breakdown of a marriage or de facto relationship
Gayle is also experienced in providing non-family related dispute mediation including:
- employment disputes
- landlord/tenant disputes
- disputes over business agreements
- strata disputes
- disputes between neighbours
- any other contractual disagreements.