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I lent my friend Holika Holika Jewel Light eyeliner in Burgund and Face it extreme black bold pen liner
Home » Ebay things
It arrived! my new order from Seul^^
1.It's Skin Baby Face Pore Powder.
2.PeriPera Jelly Tint Stick Pink Stick #2
3.Holika Holika Jewel Light Eyeliner #11 Light Amber
4.Tony Moly Petit Bunny Glos #5 Juicy Peach<3
1.Holika Holika Jewel Light Eyeliner #11 Light Amber, The light Brown isn't so light..more like medium brown.but still i love that series/smoothly glides on skin and very long lasting(based on previous color)
My Natural lip color:^^
2.Tony Moly Peiti Bunny Gloss Bar #5 Juicy Peach
Legendary Peach:d beautiful collor, application without problems, and the package
3.Peripera Jelly Tint Stick #2 Pink Stick .Honetly i am slightly disappointed. i thought that color will start to adapt instantly and the "pink" will show off.but even after the 3 layers the color is almost invisible.and i don't know if only my tint doesnt screw normally because when i want to close the jelly stick even after twisting down the stick wont hide the jelly.and it got smearing all over package==
4.It's Skin Baby Face Pore Powder
7$ for so small powder..inside there is very tiny of that powder .
My Face with Baby skin pore powder and Holika Bb Cream Clearing:)
And swatches of my new products on hand:
Sorry for so long absence but i am very busy with revising/learning from beginning my 400 kanji,800 vocabulary and 29 lessons of japanese.i have a strong motivation to put everything in my had until October 5.
Not Suprise that Kanjani8 is also diverting my attention from everything x
Anywany today i ordered new babies<i think i should stop.>…
1.It's skin Baby Face Powder
2,Holika Holika Jewel IIGHT EYELINER #11 LIGHT BROWN AMBER
i am also thinking about byuing Jade Olive from Holika..but it may not suit chestnut deep hair and blue eyes..
probaby somewhere in October i will repurchase Holika Petit BB cream in clearing-my no 1.i reccomend everyone that BB cream! or buy baby face Bb cream:D
about make up products, and everything what make me up
about make up products, and everything what make me up
about make up products, and everything what make me up
about make up products, and everything what make me up
about make up products, and everything what make me up


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The New Chardonnay tells the unbelievable story of pot's astonishing rebranding, pulling back the curtain to show how a drug that was once the subject of "Just Say No" warnings managed to shed its unsavory image and land at the center of a booming and surprisingly upstanding industry.
Coming August 11, 2020 from Currency, a division of Penguin Random House. Pre-order your copy today.

subset: commoncrawl


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Friendship at work – key to your happiness and career
In Britain 58% of people have close work friends. While in America the statistic is a sad 19%. Nowadays we spend more time with our colleagues than our families, housemates or "real friends." We work together, eat together and sometimes even commute together. So why don't more people have a work best friend?
Why more people don't have a work best friend
People love the idea of remote working – working from home, travelling with work and having the option of flexible working hours. People also have more job opportunities than ever before and as a result switch jobs more now.
These are all positive aspects of our current economy, but if we're always on the move it can be difficult to build real relationships. We're also busy. In a recent Cpl survey 25% of people stated time pressure as their primary work challenge, so in many cases maybe there's just not enough time to delve deeper than "good morning" or "how was your weekend?"
Another viable reason is the fact that some people just prefer to maintain a professional distance. Many don't like to skew the lines of respect or risk being too open out of a fear information said in confidence will be used against them. All understandable when the main goal at work is to learn and do our jobs well.
Benefits of friendships at work
Friendships at work should be high on your list of professional priorities. Naturally enough if you like the people you work with you're going to be happier, less stressed and enjoy coming into work more. Having work friends could also mean your chances of promotion are higher, as 50% of employers still believe 'it's who you know' makes a difference when it comes to promotions.
Relationships are important for our health and recent studies have shown friends who you see often, such as those at work, have much more influence on your wellbeing than a friend you rarely see. The opposite is also true, so if you don't get along with your team it's likely to stress you out and make you less happy.
Other studies have shown that people who have a "best friend at work" are seven times as likely to be engaged in their job, more productive overall and less likely to leave their job. A win, win for employees and employers, who often try and encourage friendships with team lunches or in-office extras such as communal spaces to eat and ping pong tables.
Even though lately the age of retirement had been lowered again, the tendency in other countries is opposite and we can assume that the youngest generation of employees will be working longer than the generations before. So it is a good idea to invest in relationships with colleagues to stay motivated and happy.


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It's not only "the most wonderful time of the year" it's also the busiest. Everyone is navigating a sea of holiday events, shopping, and family get-togethers all while trying to make plans for our businesses in 2019.
Here at COHBA, we are looking forward to this week's 75th Anniversary Celebration where we will inaugurate Denise Patterson as the new COHBA President for 2019. It will be a great opportunity to celebrate where we've been and where we are going. We are honored that NAHB's National Chairman, Randy Noel will be in attendance. We hope you will celebrate with us!
Also this week, we will be hosting children from the Cavett Kids Foundation for our annual Christmas celebration at Incredible Pizza. If you're not familiar with this event, you need to be. Every year, our charitable foundation pays for presents for severely ill children and their families. We host a party for the children where they get to have fun, open gifts, and even visit with Santa Claus! It's one of the single best things we do here at COHBA, and I encourage anyone who wants to participate to attend. A special thank you goes to Laurie Matthews for spearheading this event every year. We absolutely couldn't do this without her. And for more information on Cavett Kids, click this link.
We have so many great programs and initiatives here at COHBA, and I hope you find something that you can get involved in. As we move into our 76th year representing the homebuilding industry, it's going to take a renewed focus on member involvement to continue our success. As always, thank you for allowing me to serve as your Executive Officer.


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2016 DreamTeam Weekend
Watch Messages
Each year Elevate Life Church hosts a Dream Team Weekend in which leaders are challenged to rise to a new level in their personal and professional lives. Everyone is called to be a leader, but we must continually grow and resource ourselves to become the leader that God has called us to be.
What Can We Help You Find?


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Simple Roasted Rack of Lamb with Chimichurri Sauce
Oh my God, meat that's not chicken!
I know, I know.
I know I'm not big on red meat but once in a while, I wanna do some major damage.
For the record, I wasn't even thinking about red meat until I saw this rack of lamb on sale – and I mean – twist my arm already why don't you.
I bring 'em home and immediately start looking at the racks sideways like, hmmmm…how do I want this to go down?
I go online and almost every recipe I came across had something to do with slathering them in mustard and then rolling them in some sort of herb crumb coating.
I don't need mustard in my life like that.
I'm all set with that shit.
Simple cooking, that's how I wanted to handle these.
Salt, pepper, maybe a little garlic powder – that is it.
So that's what I did and shit came out the oven looking good as hell buuuuut, even I have to admit, it looked a little boring.
I like color.
So while it rested, I mixed up a quick chimichurri sauce.
Roasted Rack of Lamb with Chimichurri Sauce
What I Used
3 racks of Lamb. 2 handfuls Fresh Cilantro. 1/4 cup Red Wine Vinegar. 1 tsp minced Garlic. Salt. Pepper. Garlic Powder. Olive Oil. Crushed Red Pepper (optional).
What I Did
Alright look – chances are, you've got a thick-ish layer of fat on your rack of lamb.
You could score it and then try and sear it off, the way you would duck, but why would you do that?
Do you really wanna chew through that?
Lamb fat is not like bacon.
You don't need that kind of fat in your life, get RID of it.
Using a small -med sized knife, lift the edge of the thickest part of fat and carefully slide the knife under it.
Do like so, until majority the fat and sinewy is removed, but don't cut through the meat.
If you have to cut through the meat to get to the fat, just leave it.
What you want is a layer of meat with most of the fat removed but a little leftover fat won't kill you.
Remove as much of the fat layer as you can for each rack then season the rack, both sides, with a decent sprinkling of salt, pepper and garlic powder.
Feel free to season it with other spices – I was shooting for less is more.
Place the racks on a large platter to marinate at room temperature while you preheat your oven to 450F.
While your oven is heating, add 3 tbsp olive oil to a large pan under med-high heat.
When the oil is hot, place a rack of lamb in the pan, meat side down.
Saute until the side down turns golden brown or just begins to lightly char.
Flip and do the same for the other side.
Using a pair of tongs, make sure to sear the ends of the rack too.
Repeat this for each rack of lamb, placing the seared racks in a large baking tray.
Before placing the baking pan/tray in the oven, tear off a wide strip of tin foil and carefully wrap the protruding bone tips.
You do this so that they won't burn when they're in the oven at such a high heat.
For med-rare, roast for 20 mins or until the internal temperature of the thickest part of the rack reads 135F.
140-145F for medium.
I know they say you shouldn't roast lamb past medium, but fuck them – if you like your meat well done then you like your meat well done, who gives a shit?
Roast for 30 mins if that's the case.
Remove from oven and set aside to rest in the baking tray/pan for 10 mins.
DO NOT try and carve it as soon as it comes out the oven.
Let it rest.
This part's important because this is what'll help it reach that perfect temperature so LEAVE IT ALONE.
In that time, make the chimichurri sauce.
Roughly chop both handfuls of the cilantro and add to a blender.
Also add in 1 tsp minced garlic and 1/4 cup red wine vinegar.
Begin to blend the mixture, slowly drizzling in olive oil until it reaches the coarseness or smoothness you desire.
Adjust the seasoning with salt and pepper, adding in crushed red pepper flakes for some added spice if you want.
Carve the rack of lamb and serve with the chimichurri sauce.
I prefer my lamb on the medium side but some of my people wanted it cooked a little more.


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DIY HANDMADE CRAFTS TUTORIAL( made of plastic bottle) source
Month: June 2019
Handmade fresh pasta – homemade pasta
Recipe: http://www.kvalifood.com/resolveuid/688804b22b08ab3879f01ea7ba08746a A lot of us, by now, have a pasta machine, but if you are really hardcore, you make it by hand 😉 A rolling pin and a knife is all you need. The funny thing is that it does actually not take any longer to do it by hand … but it's quite …
#roadto50k #coldprocesssoap #soapmaking #handmade #soapcutting Thanks so much for tuning into today. I was super inspired by the beautiful bridal and special occasion clothing of India, so I knew I had to make a handmade soap. Hope you like it and if you do, please be sure to give a thumbs up and subscribe if …
Tips for calligraphy on handmade paper
Handmade paper is gorgeous and can be oh so tricky to write on!! Here are two of my tricks for winning the battle against the fibers! Hope it helps! source
Make Unique Paper Earrings | handmade jewelry | made out of paper | Art with Creativity
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Southern Trust launches Foster Care Fortnight
18/05/2016Foster Care Fortnight 2016, Northern Ireland's largest celebration of fostering, was launched on May 13 by The Fostering Network in Northern Ireland in partnership with the Southern Health and Social Care Trust and the Regional Adoption and Fostering Service. Foster Care Fortnight aims to raise the profile of foster care and to promote the recruitment of foster carers.
Foster carers and staff from all fostering providers in Northern Ireland came together for this annual event. Foster carers were given the opportunity to take part in a variety of workshops that ranged from yoga to study skills, and a whole lot more in between.
Kathleen Toner, Director of The Fostering Network in Northern Ireland, said:
"Today has been a real celebration. Not just for families who already foster, but also the members of the public who have come along this afternoon to find out more about fostering and have opened their heart to the idea of their family becoming a fostering family.
"To launch Foster Care Fortnight with our friends and colleagues from the Southern Health and Social Care Trust and the Regional Adoption and Fostering Team has been an exciting experience. Their commitment to foster care, foster carers and kinship carers, and the children that live with them, is remarkable and we would encourage people in the area to get in touch with them and to start their own fostering journey today."
Paul Morgan, Director of Children and Young Peoples Services within the Southern Trust, commented:
"We are delighted to host the launch of Foster Care Fortnight and help raise awareness of the valuable job foster carers do. We can never underestimate the value of family life. Time and again we see how, with support and encouragement, a child's confidence can be increased, helping them to achieve in education and employment and work towards reaching their full potential.
"I hope some people may be encouraged to give fostering a try. I would like to assure them that we, like all the Trusts, are dedicated in helping and supporting foster carers in fulfilling their role".
Una Carragher, Manager of HSC Regional Adoption and Fostering Service, added:
"We are again delighted to launch Foster Care Fortnight in partnership with The Fostering Network, co-hosted this year by the Southern Health and Social Care Trust. This partnership began three years ago and we are delighted with its success.
"The main aim of Foster Care Fortnight is to raise the profile of foster care and to promote the recruitment of foster carers. We urge anyone who wishes to find out more about becoming a foster carer for their local Health and Social Care Trust to contact the Regional Service or contact your local Health and Social Care Trust directly."
Foster carers may be married, co habiting or single. They may own or rent their home, work or receive benefits, and may or may not have children of their own. There is no upper age limit for foster carers as long as they are healthy and have the energy to care for a child or young person.
Anyone who wishes to find out more about becoming a foster carer should visit https://www.thefosteringnetwork.org.uk/could-you-foster or contact the HSC Regional Adoption and Fostering Service on 0800 0720 137, or alternatively, call the Southern Health and Social Care Trust on 028 38 337181.


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A couple of stray weather stats for Spokane, Washington
The average annual snowfall in Spokane is 50″ a year. This Winter, from December 1, 2008 to January 5, 2009, snowfall is 74″.
Do you recognize this man?
You'd be forgiven for never hearing of designer Alfred Shaheen.
Yet he inspired one of the most colourful, amusing and unforgettable styles of fashion ever known – the Hawaiian shirt.
Sadly the pioneering textile manufacturer has died at age 86, his family have confirmed.
Probably thought Black Beauty was playing
An escaped horse burst into a cinema and walked around the foyer. The horse was one of three which escaped from a farm and ran through the automatic doors at the Cineworld complex in Boldon, South Tyneside…
The horse walked down a corridor before turning round and fleeing through the exit as filmgoers looked on.
via Telegraph.


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What is it?
A "live-action" Tarzan movie.
Who's it for?
Tarzan fanatics(?), kids and Edgar Rice Burroughs' heirs.
A "live-action" Tarzan movie.
Tarzan fanatics(?), kids and Edgar Rice Burroughs' heirs.
The true story of a medic who served without a rifle during WWII.
Mel Gibson fans, military history buffs, 7th Day Adventists and people who like flamethrowers.
The title for Star Wars Episode 8 – The Last Jedi has been decoded. A big thanks to muli-culturalism.
An unusual action film with an autistic protagonist.
Action-hero fans with a taste for campiness and offbeat characters.
A mature-audiences animated feature based on DC Comics occult characters.
Comic book and anime fans with a taste for urban fantasy and action.
A 1950's pop-psychology thriller about a naughty little girl.
Classic movie buffs, fans of melodrama and deviant psychology aficionados.
A documentary on the origin of creator-owned, comic book company, Image Comics.
Comic book fans & artists fed up with work-for-hire.
A true story about one family's tsunami torture-porn adventure.
Fans of masochism, compound fractures and disaster films.
It's screener season in Hollywood and that means I get to watch movies without paying for them!
This is my first post. There are many like it, but this one is mine.


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Published on October 21st, 2016 | by William Charles86
What Banks & Credit Unions Do/Don't Pull Early Warning Services?
Early warning services is a similar specialty nationwide consumer reporting agency to ChexSystems. It's mainly used in determining if you should be approved or denied for deposit accounts, one thing a financial institution might look at is the number of recent inquiries you have on EWS report. We thought it would be useful that do and don't pull your Early Warning Services report. We have a similar list for ChexSystems. Please contribute additional datapoints in the comments so we can continue to improve this resource page, also let us know if you've been denied for an account due to too many EWS inquiries.
- 1 Ally
- 2 Associated Bank
- 3 Bank of America
- 4 Bank of the West
- 7 Capital One
- 8 Capital One 360
- 9 Chase
- 10 Citibank
- 11 Citizens Bank (RI)
- 12 City National Bank WV
- 13 Discover
- 14 Elements Financial
- 15 Fidelity
- 16 Fifth Third Bank
- 17 Fulton Bank
- 19 KeyBank
- 20 Huntington Bank
- 21 Navy Federal
- 23 Regions Bank
- 24 Royal Credit Union
- 25 Santander
- 26 Suntrust
- 27 TD Bank
- 28 TruStone Financial Credit Union
- 29 Unify
- 30 Union Bank
- 32 U.S Bank
- 33 Wells Fargo
- Does pull: 1
Associated Bank
- Doesn't pull: 1
Bank of America
Bank of the West
- Doesn't pull: 1,
Capital One
- Does pull: 1
Capital One 360
- Does pull: 1
Citizens Bank (RI)
- Does pull: 1
City National Bank WV
- Doesn't pull: 1
Elements Financial
- Doesn't pull: 1,
- Does pull: 1
Fifth Third Bank
- Does pull: 1
Fulton Bank
- Doesn't pull: 1
Huntington Bank
- Does pull: 1
Navy Federal
- Does pull: 1
Regions Bank
Royal Credit Union
- Doesn't pull: 1,
TD Bank
TruStone Financial Credit Union
- Doesn't pull: 1,
- Doesn't pull: 1,
Union Bank
- Does pull: 1
- Does pull: 1
U.S Bank
Wells Fargo
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86 Leave a Reply
Is this separate and mutually exclusive from chexsystems? In other words if they pull early warning, would they also pull chexsystems? Or just one or the other?
Yes, sometimes they will pull both. Just like sometimes a card issuer will pull Experian & Equifax.
Banks that you do not have listed that pulled my EWS:
Checking account DP's & Dates:
Santander 5/20/16
Citibank 6/8/16
US Bank 7/7/16
Suntrust 8/23/16
USAA 9/2/16 (savings acct only)
TD Bank 9/9/16
Concur with Chase & Wells Fargo. BofA did NOT pull my EWS for a Savings acct.
My inquiry info is based on EWS monitoring that's included with my identity protection service, MyIDCare. Only a few bank reported the account "open", the rest were listed as "inquiry".
Thanks, added DP
New EWS DP: BB&T (BRANCH BANKING AND TRUST) 12/13/16
New EWS DP's for 2017:
BB&T pulled twice (savings and checking) for "Account Holder Information Change" (I think I updated my employment info)
PNC pulled for savings acct only app.
Usaa does and navy fed credit Union. Just got the hold for ewcr so now waiting for them to open.
Here's my data. I will know more in a month if EWS and ChexSystems allow me to do another pull of my reports. Below is based on a pull from April of this year — since then I have opened HSBC, SunTrust, Synovus, and others.
Banks that pull only at ChexSystems:
Tech CU
GE Capital
Banks that pull only at EWS:
Wells Fargo
Banks that pull at both:
Banks that report accounts to EWS but do not do a hard or soft pull there:
Discover (did a ChexSystems pull)
Bank of America (did not pull at either ChexSystems or EWS)
Yes they do . chex system and early warning . you will ne closed in a week
It mean't be . sorry
Yes, chase and B of A pull from both chex systems and early warning!
If a bank is offering a promo bonus for an affinity product ($100 to open a new savings account if you already have a checking with them), do they pull chex or EWS or do they not bother?
Depends on the financial institution. If you already have an account with them in most cases they won't bother as far as I know.
BBVA pulls EWS. Online app for FL.
Thanks, added
I got denied an application to the PNC virtual wallet. I applied online and then went in person, but no one would tell me what caused me to get denied. They just gave me a list of all the reports that the bank pulls, and told me that there must have been something weird on one of them and that I should contact them.
The credit agencies they pull from are Experian and Transunion – I checked both and there should be nothing there that caused me to get denied. My credit was 769 from Experian.
PNC also pulls from Early Warning Services and ChexSystems. I called both companies and no one could tell me anything, just that I have to wait several days for the reports to come in the mail. But I am guessing that it must be something on one of these reports that got me denied, because I was recently approved for the Chase Sapphire Reserve about a month ago. So it shouldn't be my credit.
Has anyone else had any issues getting denied from PNC? It seems my only option is to wait for the reports to come in the mail, and dispute whatever may have caused me to get denied. I do not have a history of any outstanding checks, overdrafts, overdue accounts, or anything else I can think of that should have caused this.
How many bank accounts have you opened in the last 12 months? (Note: two different accounts with the same bank will likely count as two different inquiries if they were not opened on the same day.)
Of these, how many were opened in the last two months?
Some banks get a bit nervous if a person has opened a number of accounts in the last year.
Hmmm well I haven't opened any accounts at any new banks in the last 12 months, but I did in fact open up two additional savings accounts at my current bank on different days (for budgeting purposes). I wonder if this could be it? If so, do you think that if I closed the accounts, then they would cancel out the inquiries on the report, allowing me to open up the PNC account?
Thanks for the response.
Nope the inquiries are historical, a record of events in the past; actions taken in the future don't erase them.
You'll know a lot more when you get your EWS and Chexsystems reports, which sound like will arrive in the next week.
You also might want to consider signing up for a $1 trial of Credit Check Total, which will get you all three credit reports (TU, EX, and EQ) and the corresponding FICO 8 score. Armed with that plus your EWS and CS reports you may well be able to deduce what PNC's concern was.
Failing that, they may assist you in getting PNC to tell you what the issue was.
I am also denied for opening PNC virtual wallet during November 2016. The reason is Early Warning Service (EWS). In EWS report for one my closed account (Huntington) the status is "Closed for cause". It means the account got closed because of not handling the account as per bank rules. But it was closed on my request. I filed dispute with EWS and waiting for the result.
The only instant I remember with Huntington was I registered and transferred money to one of my prepaid account (Insight card). The first transfer gone through and they declined the second transfer and asked me to visit branch with the proof that the prepaid account is mine. Does transferring to prepaid account not legal or against bank rules?
What happened with the dispute? I'm finding myself going through the same process, just received my EWS report, and Huntington reported a checking account as "closed for cause".
I had closed it myself about 5 weeks after opening it.
Yes i got denied by pnc and chase and they gave me a1-800 number to call i have to wait on a report back 7 years don't know why.
Santander, PNC, BBVA Compass, HSBC all pulled for checking accounts. I opened BOA checking earlier in the year and there is no pull (would be between the others). BOA does report though, and it reported my balances from the checking opened in 2016 (prior years do not have balances). I also have MANY inquiries from Discover (no applications for any bank account-nor credit this year) Discover Cash Edge inquired-I think this was for the free credit score offer they put out. Capital One-payment card inquired as well, which very well could have been for a credit card app? It does specify payment card. It was definitely not due to a bank account opening/closing. I didn't have any but there is apparently a "closed for cause/Purge" indicator banks can put on the report because well, they didn't like what you were using the account for or whatever.
I have inquiries from PNC, BBVA COMPASS, SUNTRUST, TD BANK, SANTANDER, CHASE, US BANK, and HSBC from EWS via myidcare. The report from EWS directly showed a closed account from 2013 from BOA, closed account Capital one from 2014. Monthly balance information from Chase, suntrust, and wells fargo.
Just got my EWS report. I hate Citibank even more now. They made 2 inquiries, 7/31/16 and 8/02/16. this is in addition to the 3 ChexSystems inquiries, all for the same account opening. They never gave any indication that there was any problem, I don't understand why they would make so many inquiries that affect my consumer reports.
The other inquiries on my EWS report are JPMorgan Chase (1) and Wells Fargo (1).
Hey Doc, can you maybe put a link to this page on the ChexSystems page? Thanks for all you folks do here!!
I am being denied any kind of an account, who does not check ews and checksystems?
You probably need to look at a "second chance" account. Google it. I think applying in branch is also better for getting approved when you have "issues". Banks get a warm fuzzy that you are legitimate when you have the "courage" to sit in the chair at the big desk.
Navy federal does pull EWS I applied for an account and they pulled it came back with BOA on it but I have a current and active checking and savings account with TD bank
August 2017 Apps
Do pull EWS:
"RBS Citizens NA" = Citizens Bank (RI)
Associated Bank
KeyBank (Acct Denied due to Chex)
I will be pulling a Chex report soon since KeyBank denial this month. All others (besides KeyBank) were not Chex sensitive and are open and approved.
i just got my chexsystem report and i plan on getting my EWS report also. looking at the ews site, one can get the report electronically right? sorry newb here. just trying to make sure i do this right.
You can get your EWS report online after you call in to verify how you are. I just did it and the phone rep said it can take up yo 15 days by mail or online. You must retrieve your report from a desktop, though. iPads and laptops will not work for security reasons, good luck 🍀
thanks HH! will give it a shot this week.
laptops though??? hmmm
Union Bank pulled EWS Oct,2017
Thanks, added DP
2018 updates:
BBVA Compass – Hard pulled EWS one time for each application attempt. (The BBVA Website repeatedly showed it couldn't confirm my identity in November, so I kept trying) Also pulled EWS again 2 days after account was opened.
BMO Harris – Soft pulled my EWS last summer, which is odd because they don't use EWS for new accounts normally, and I don't think I had an account with them at the time nor was I shopping them. Only a soft pull so, maybe they were shopping for new customers?
Can confirm Cap One 360 continuously reports to EWS. I don't think I have any more updates from my previous EWS submissions.
Fulton Bank, & City National Bank WV do not pull EWS and pull Chex.
William Charles Comment https://www.doctorofcredit.com/banks-credit-unions-dodont-pull-early-warning-services/#comment-465724 never was recorded on your running list – Huntington and Citizens Bank PA/RI etc does pull EWS.
One thing really nice about the EWS report, it lists the reported close date. Citi, Chase, WF (among others) are listed, so I can tell exactly when I can churn the bonus. Also lists a Bank of America account I closed in 2013 as still being open, so I have to track that down. Interesting…. maybe I am rich?
This time I pulled my full EWS report, vice relying on my ID protection notifications. I learned some banks report to EWS every month about recent transactions and monthly balance, full RTN and Acct number. However, some only do the hard pull upon account opening and report nothing else. Also, hard pulls drop of EWS after a year, so HSBC and Santander, have nothing on my report.
I retract my comment about BMO Harris soft pulling my EWS – my report said Harris Bank, and it was the only Harris bank I have dealt with. Turns out it was Harris Trust and Savings Bank, which is the underlying bank WiseBanyan uses. I setup ACH around that time from another EWS bank.
William Charles
DoC, Huntington and Citizens Bank still need to be added above as EWS banks. I know, I am needy.
Basically any bank that uses Zelle uses EWS. Very few exceptions (M&T, Key Bank). List of Zelle banks is at https://www.zellepay.com/get-started
Thanks, this should be fully updated now.
Wow. That's interesting. Thanks.
It is possible to limit the shared of some of this information with EWS? I noticed the information about balances and ACH transfers on my report as well.
For example, here's Chase's privacy notice:
Does this information fall under "For our affiliates' everyday business purposes – information about your credit worthiness"?
It does seem a bit excessive to be to be reporting that much information. However, I think it falls under credit bureaus and the first line on their privacy policy, business purposes. Seems like some of the ews banks do extensive reporting and others only do inquiries, but I'm guessing that's a bank decision.
If you really want to get an answer I would contact EWS first so you can get the proper lingo and terms, then contact the bank(s). If you have any success please post results.
I'm considering joining NFCU and was hoping to be safe from this privacy invasion. I know they pull EWS, but does NFCU actually report account information on an ongoing basis (ACH, monthly balance history, etc?)
No, NFCU does not report details. I have had an account for about 20 years, and my EWS doesn't even mention NFCU. They aren't my primary bank, but I always maintain some sort of balance.
Did you end up contacted them regarding the Bank of America account? I noticed an old account that has been closed for many years, but it doesn't show any closing date. Not sure if it will ever drop off.
Yes, I did end up going through the EWS error reporting process using directions on their website. First, I contacted Bank of America to make sure the account was closed on their end. Then I wrote up a quick letter stating when I closed the account and requested it be removed. Don't recall if I had to fax or scan and upload to their portal. One thing I didn't like is they do not provide any sort of confirmation that they've received your information and if they are working on it. About a month or 6 weeks after submission, I got a mailed letter back and a full copy of my report with the BofA account removed and about six BBVA inquiries taken out.
Do you know how long an account is supposed to stay on the report after it has been closed?
No. I put in my letter something to the effect of requesting it to be removed if it's outside their reporting guidelines. I know ews inquiries are held for a year. Looks like Bank of America doesn't report the closure so it never goes away.
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Price: $15.00
Publisher: New York, A. L. Burt Company: 1934
Seller ID: 21171
Condition: Very Good in Good dust jacket
Text is clean. Cover shows normal wear, slight slant to spine. Dust jacket is chipped at corners and spine ends. Previous owner name on front free endpaper. MAD # 07200-3-1. ; Black Shadow; Vol. 3 View more info


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Alpine Skating Club is pleased to let everyone who turns in their funding forms by July 1st know that the Alpine board has determined the funding for the competitive year as follows. This funding is available to all home club full members who have renewed their memberships by June 30th. Beginning members are not eligible for any funding. The funding forms are required to be mailed to Kim Lamb.
If you are planning on competing at Southwesterns this year, you MUST notify Kim Lamb, firstname.lastname@example.com, NO LATER July 15th so that she can arrange to have the club pay the fees directly to US Figure Skating and/or the local organizing committee. Specific directions will be sent out in a separate email.
Regional Challenge competitor at qualifying event (Juvenile through Senior levels)
- Full entry fee
- Coaching fees up to $100
Adult skaters competing at Adult Sectionals and all Synchro Sectional Competitors (Synchro fee is per competitor);
- Full entry fee
- Coaching fees up to $150
Sectional Pairs, Dance and any singles competitor qualifying from Regional Challenge
- Full entry fee
- Coaching fees up to $250 for singles competitors; $150 for Pairs and Dance Competitors
National Competitors (Junior and Senior levels)
- Coaching fees up to $500
Synchro National Competitors
- Team fees for individual skater up to $500
Any World or USFSA Enveloped Competitors
- Competition expenses up to $1,000
All Non-Qualifying level skaters
- Coaching fees for non-qualifying events up to $100
Competitors receiving funding have agreed to represent Alpine at the event. Wearing of a club jacket or other apparel at the event funded by Alpine that promotes another club or organization (unless required by US Figure Skating), would represent a violation of this agreement and would therefore require the competitor to refund the full amount provided through the Competitor's Fund to Alpine. Failure to return the funds to Alpine would change the member's status to "Not in Good Standing." Competitors who withdraw from the competition (regardless of reason for withdrawal) are also required to refund Alpine Skating Club the full amount funded through the Competitors' Fund.
The Board of Alpine Skating Club


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Avocado | what is it?
Is rich in vitamins A, E and D and minerals. Avocado oil protects hair from drying out and gives it natural suppleness.


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Day 12 of the #NurseBlogger challenge
When did I decide I wanted to be a nurse?
A question I get asked quite frequently is why I chose nursing. I didn't always want to be a nurse. For the longest time I wanted to be a teacher. Since I was a kid I would play school in my room and "teach" my stuffed animals. I would play school all day, everyday. On career day at school I would dress up as a teacher. It was something I always wanted to be. Once I got to high school, my mind kind of changed on my career path. Let me tell you, going to a public high school after spending 6 years in a private school was culture shock! The idea that I had of being a teacher was nothing like what I imagined it to be. At that point, I didn't really think I would enjoy being a teacher that much. I researched many different careers my 10th grade year, getting a feel of what I liked and how long the path would take to get me there. Somehow nursing is the direction I got tugged in.
I don't have some crazy, emotional, medical story that led me to choose nursing. No one in my family works in the medical field. Nursing was something I truly enjoyed learning about in school. The human anatomy and physiology is truly amazing. Our bodies can do amazing things. We can go through physical trauma and horrible circumstances and our bodies still compensate to try and survive.
I have always been drawn to children. I love them and it's always been on my heart to make a difference in a child's life and I imagined myself doing that through my profession as a NICU nurse. So, I did everything I could to reach that goal. I imagined myself taking care of little humans, nursing them back to health so they could live fantastic lives and experience all the things that the families never imagined their child would ever getting the opportunity to do. As I went through nursing school and learned about the different specialties, my mind started opening up to all the amazing things and opportunities that nursing provides. I started working in the Emergency Room while in school and I fell in love with it. I also went through my labor and delivery rotation and left in tears because I loved it so much. Each and every unit had something special and different about it that draws different people in that direction. As I went through my NICU rotation in school I was quite disappointed in the experience. As I spent 3 weeks in the NICU, I couldn't really imagine myself working on such a unit for the rest of my nursing career. I love babies and I want many of my own one day, but it just wasn't a unit I saw my personality lasting long in. The NICU is very calm and relaxing, almost. It's almost like a break. I feel like I am being pulled towards a different specialty.
Even though my heart changed directions throughout the clinical experience, I was drawn to nursing in a way that I was never drawn to any other career. I knew that I chose the right profession. My heart feels so full being part of a career that I can help people everyday that I clock in. It's fulfilling. It's heartwarming.
It was my third semester of nursing school when I realized just how right it felt working in the field of nursing. I was standing in the room of a laboring mom, listening to her cry and scream through each contraction, with her legs spread apart, watching, during her most vulnerable moment. Mom had come in with strong contractions minutes apart, no support system at bedside, as her husband was at work 2 hours away. This mom was all alone laboring to push out her brand new baby… an experience that I had the honor of being apart of. This was her second baby and she wanted the gender to be a surprise so she literally didn't even know if it was a new baby boy or girl. Throughout the labor, I was holding back tears the entire time. Finally, the new mom pushed one last time, when her baby girl popped out into the nurse practitioners arms. The mother and I shared tears in the exact same moment. The nurse practitioner held the baby in her arms and announced to the new mom that her new baby was a beautiful, healthy baby girl. I literally could not contain my emotions and sobbed myself into another classmates arms. I felt like I belonged and I have never experienced so much joy and satisfaction in the nursing profession as in that moment. It was beautiful, it was emotional, and it was so incredibly rewarding. Seeing the joy of a life being born into this world is so satisfying. It's like a career high.
I have always been drawn to helping people and making a difference in people's lives somehow. I simply just had to figure out in what way God wanted me to do that. When I say that my calling for nursing came to me randomly, I seriously mean that I woke up one day and just *knew* I needed to work in the field of nursing. Many people have medical stories that brought them to their discovery for their love of nursing. My love of nursing literally came to me overnight as if I was literally called by God to make a difference in the lives of my patients, patients' families and even the lives of my coworkers. Listening to this calling has been an amazing journey so far and I'm so excited to see where I am in my future as a nurse.
This is part 1 of 2 for this particular post because I have a feeling after I start my career as a real, live nurse, my heart will be tugged in ways I never experienced that would lead me even more to believe I belong in this profession. I get so passionate and excited when I talk about my career, ya'll! Stay tuned! Thanks so much for reading! 🙂
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The U.S. Food and Drug Administration (FDA) is "responsible for protecting the public health" by regulating the drugs that are sold in the United States. Sadly, the public is not always protected, and some drugs are discovered to be unreasonably dangerous, even after they have been put on the market.
Additionally, many major pharmaceutical companies have sold medications and medical devices to the public without disclosing risks or dangers.
Some of these drugs have harmful side effects that can significantly harm your health, or in more extreme circumstances, could take your life. The worst part is that in some instances, these drug companies put profits before people, with evidence showing that the drug companies concealed these potentially harmful side effects from the FDA and from the public.
At the Packard Law Firm, we work very closely with many experts on these kinds of cases. The three most common cases we pursue are as follows:
At the Packard Law Firm, we understand the financial pressures that many of our clients experience when exposed to these type of harmful medical products. In order to reduce your financial risk when pursuing a lawsuit against these companies, we charge on a "contingency" basis. This basically means that we will not collect a fee unless you receive a settlement or win a verdict from the jury.
If you or someone you know has had exposure to any of these type of cases, we want to help. Even if there are no current negative symptoms. Once you call us, our trained legal team will discuss your potential case with you and begin all the necessary paperwork in the investigation.


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Today is a great day for the Debian community : Debian Squeeze has been released. After 24 months of constant development, the Debian Project is proud to present its new stable version 6.0 (code name Squeeze). Debian 6.0 is a free operating system, coming for the first time in two flavours. Alongside Debian GNU/Linux, Debian GNU/kFreeBSD… Read more »
Posts Tagged: Squeeze
PHP 5.3.5, now for Squeeze
I just released PHP 5.3.5 packages for Debian 6.0 (a.k.a "Squeeze"), with some changes against the Lenny's ones : the packaging process has been improved : dependencies were cleaned up, PHP tests are now displayed, libtool 2.2 is now supported (thanks to the Debian team for their precious work) 3 new useful extensions have been… Read more »
Etch security support discontinued by Debian on Feb. 15th…
The Debian security team announced that Debian 4.0 "Etch" security support will be ended on February 15th, 2010 : Security Support for Debian GNU/Linux 4.0 to be discontinued on February 15th One year after the release of Debian GNU/Linux 5.0 alias 'lenny' and nearly three years after the release of Debian GNU/Linux 4.0 alias 'etch'… Read more »


text:
This article is about the Planets of Tabula Rasa, were you looking for Planet (logos)?
A planet is a type of location. It is the top level of the location type tree. A planet usually comprises of two or more continents. You travel between the planets using wormholes.
There are currently only two planets accessable:
Note: Brigadier General Beacham hints at a third planet called "Mycos". This may be the ground for a possible future expansion of Tabula Rasa.
Community content is available under CC-BY-SA unless otherwise noted.


text:
We continued the tradition that we started last year by joining my sister Aubrey and her family up in Bellevue for Independence day. This year was even better than last year and I didn't even win any Xbox toys this year. I bought Heidi a real nice DSLR Canon camera a little while back and luckily she lets me play with it every once in a while so when we went to Bellevue I brought it along with the intent of photographing the fireworks. I did my research before we went about the settings to use in order to get some good shots and some of them turned out really good.
Friday, July 13, 2012
Sunday, May 13, 2012
I love my Mom!!!!!
I have always loved my Mom. But being a Mom, myself has changed my perspective so much and now I love my Mom more than I can say. I know now, everything she did for me. Everything she had to put up with from me. And I know that she loved me anyway, even when I was a little pill. :) My Mom is the kindest, and most wonderful woman I know. I am so blessed to be her daughter. I have learned so much from her and hope to become more like her and to teach my children what she has taught me. To love unconditionally. To give all you have. To have faith. To be strong, and to endure. My Mom really makes a difference in this world, and I hope to do the same. I love you, Ma!!
This is of Mom and my three older siblings, Aimee, Ben & Sam.
Posted by Heidi at 8:07 PM 5 comments: Links to this post
Friday, April 20, 2012
My favorite boy in the whole world!!
I simply love my Luke. He has started calling me treasure sometimes. He says it's because treasure is very special. He seriously melts my heart.
I took these pictures this morning. He is dressed as a surfer for a luau at his school today. Here he is showing me his "rad moves".
Luke drew this for me a while back. I love it! It shows how our hearts are connected. He loves me so much. I can hardly believe it some times. He is such a tender hearted guy. He is going to make some girl very happy some day....WAY in the future.
Posted by Heidi at 11:01 AM 4 comments: Links to this post
Thursday, April 12, 2012
Popcorn popping!!
So, I'm slightly obsessed with trees when they are in bloom. I LOVE them! Is there anything more beautiful?!?
Pretty girl...
My favorite kind of flowers
A few shots of Shelby in her Easter dress
Posted by Heidi at 1:54 PM 4 comments: Links to this post
Tuesday, March 27, 2012
Spring is here at last!!
This winter we had an ice storm. Which is not common for this area. Even snow is not common. At least not in my experience here for the past 3 years. Anyway, the kids and I stayed nice and safe inside. Luke and I were in his room looking out the window when our tree fell over. At first we were sad to see the tree go, but it has let a lot more sun light into our house. The tree used to cover our living room windows and kept out a lot of sun light. Well, I shouldn't say a lot. We don't get a lot of sun shine here anyway. lol BUT we have had a lot of sun the past few days and we have been out and enjoying it!! I think spring is here!
What is left of our tree.
I caught the last bit of a sun set the other night. One of these days when it is clear again like this, I'm going to go out and hopefully get a picture of Rainier at sun set.
Shelby is super sweet, but at times she has an attitude like I have never seen. lol I just have to laugh at it(not to her face of course).
Blue sky, an uncommon sight, that I had to capture. I LOVE blue sky!!
I think I have way more pictures of Shelby than Luke, but that is because she sits still way more than he does.
Posted by Heidi at 9:13 AM 4 comments: Links to this post
Friday, March 23, 2012
The latest on the kiddos
Recently, Luke learned how to take showers by himself! I am beyond excited about this. It is so nice to be able to just ask him to go take a shower and not have to worry about anything else. I can just go do something else that needs done. It may sounds silly that I'm so excited about this, but oh well. It's also been great for his self confidence. Which makes me so happy! And I had to post this picture. He is so stinkin cute!!
A couple of weeks ago, Shelby had to have a tooth pulled. She woke up crying, and the gums around her tooth were huge and dark purple! It turned out she had a huge abscess under her tooth. She fell several months ago and hit her tooth. And apparently that is what caused the abscess.Yikes!! The Dentist only had to wiggle it 2 times before it pulled right out. Shelby was super brave. I was so proud of her. And she was SO excited that the tooth fairy was going to come. I woke up the next morning when I heard Luke and Shelby talking in their room. I heard a Luke and Shelby gasp, and then Luke said,"the Tooth Fairy IS real!"
I took these when Shelby came into my bed to snuggle and tell me all about the tooth fairy! It was SO much fun!!
Posted by Heidi at 8:46 AM 3 comments: Links to this post
Friday, March 2, 2012
Luke at Random...
Luke is often saying the funniest things, and it occurred to me that I should write them down, so I can read them again years from now. So, here are a few from the past couple of days...
"Mom, you'll never tie me up in a tree, right?...cause that would be TOO dangerous."
"Mom, if our house was made out of Jelly, we wouldn't have to go around things. We could just go right through the walls, by eating the jelly! Cool huh?!"
"Mom, if someone pulled out one of their eye balls and tried to throw it at you, that would be pretty gross huh?"
I wish I could remember more from the past. I will try to remember and write them down. There will be more though I'm sure.
Posted by Heidi at 11:46 AM 4 comments: Links to this post
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text:
In Latin Solo, we dance Latin WITHOUT a partner! Every month we learn a different dance style.
For the month of March, we will be doing the JIVE! The jive is the happiest and liveliest of all Latin dances. It's fun and energetic - we dance to swing dance music and songs like "Dear Future Husband" by Meghan Trainor and "What Makes You Beautiful" by One Direction.
Feeling a bit down? Join us for a little sunshine in our JIVE class!
For the month of March, in conjunction with INTERNATIONAL WOMEN'S DAY, all ladies who sign up for a full month will receive a free pendant!
Monthly fees RM100.
Trial & drop-in RM30.


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write a personal statement before, so we've got plenty of advice to help. First of all plan when you need to start researching and writing – download the personal statement timeline in the related documents. Then ask yourself questions like the ones below to decide what information to include. Have a look at our personal statement mind map for more ideas, or use our personal statement worksheet to write down answers to these questions and more. You can only submit one personal statement and this
to fill out your personal statement. This can be customized per site that you selected to have your application sent to. This can be done by selecting add new entry. Title this personal statement for ease of reference. Type your personal statement in the section below. Enter in your personal statement into the text box or by copying and pasting from a work processing document. A maximum of 8000 characters or approximately 1,000 word may be entered. In your personal statement address the following
Basic structure of your PS (personal statement) Writing a Personal Statement is like writing a very good essay: - it must be well constructed - it must be convincing - it must be balanced & well-thought out - it must be lively, engaging and informative It is a skill which will take several drafts to get correct. In the end, if you see it through, it should/will be a good, finished end-product….. …………………..that will get you an interview and/or
was not my favorite thing to do. Senior year at San Miguel High School is also know as the scribe year. They refer it to the scribe year because, we are told by teachers that we had to write our selfs out of high school and into college. My personal statement for college was the worst experience in my writing history. I had trouble figuring out what I was going to write to make myself sound unique and how I was going to start it off. It took me lots of patience and hours of hard thinking to complete
| Personal Statement | This essay is a short summary of major trials in my life of which I had to overcome. Even though there were many instances that could have stopped or forced me to give up I never did. I found other resorts to remain positive and focused. My life has not been easy but I never made excuse for myself and in the end it paid off. | Personal Statement I vividly remember the day my grandmother got on an airplane to go to America. A journey my favorite
Personal Statement I'm the only child in my family and I'm from Guang Dong, China. I have a broad interests including singing, dancing, playing piano, watching movies, reading, traveling and making friends. I grew up in a business environment where both of my parents are doing international trades between U.S. companies and Chinese companies, that is why I chose international business and marketing as my majors. My parents have showed me how to establish new business and how to
In the following statement I would like to show my personal purpose and challenges in being a student at the postgraduate programme in International Commercial Law at the University of Glasgow, United Kingdom. I have already a bachelor degree in Law in Thailand and now I like to enlarge my knowledge in international law in combination with knowledge about Trade and Economics. I am very much interested in taking the LLM International Commercial Law Course because due to my visits in foreign countries
Personal Statement What are collected in this portfolio are materials that I found over the years of experiences and also what has been asked to done as assignments. I make no claim to be comprehensive. I categorized this portfolio into 4 sections; • The first section as you are noticing now is about what this portfolio is all about. Here you will find brief description about each section. • The second section is a sample of Applying for a job; I chose to apply for a computer company
Personal Statement I am applying for the BA (Hons) Accounting and Finance sandwich course as I feel that it will be a good stepping stone for me in achieving my dream job as an External Auditor. I have done research into this career and I have chose External over Internal Auditing simply because an External Auditor examines financial accounts whereas an Internal Auditor focuses on policies and procedures. I believe that studying this course at degree level will help me develop and learn new skills
Personal Statement Katarina Gamino May 21, 2012 Period 2 My name is Katarina Alexis Gamino, and I have been scared of the outside world for the past sixteen years of my life. People call me the "queen of the wallflowers" because of my soft speaking and inability to keep a conversation going. But, quite frankly this does not bother me. I am proud to be one of the twenty percent of Americans who are dubbed as "introverts". According to my mother, I am the different one from the flock in my family


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1. What are the common factors about smoking?
We know that smoking tobacco is both an intellectual disposition and a physical indulgence. The act of smoking offers a temporary and addictive. Smoking frequently makes you addicted to a deleterious chemical known as nicotine that is present in cigarettes. This diseased addiction can cause serious medical problems such as cancer, cervical cancer in women, heart disease, chronic pulmonary disease, impotence and high blood pressure. Whether you are a new smoker or a heavy smoker, quit smoking habit.
2. Why to quit smoking?
Smoking has become one of the noxious excessive indulgences and is accountable for causing the death of thousands of people every year. However, the right procedure and a appropriate treatment can help to quit smoking habits and manage your cravings. It creates many undesired effect on a person health. Some of them are as given below:
• Toxic constituents in cigarette smoke travel throughout the body, causing damage in various ways.
• Nicotine reaches brain within 10 seconds of smoke inhalation. Smoke will spread to each and every part of the body immediately as soon they inhale it.
• Carbon monoxide binds to hemoglobin in red blood cells, stopping affected cells from carrying a full load of oxygen.
• Smoking affects the body immune system and it may maximize the risk for respiratory and other contamination.
• It will lead to lung cancer.
• Smoking cause fat accumulates to narrow and block blood vessels which lead to heart attack.
3. Effects of smoking in young people health.
Smoking adversely affects the health of young people:
• Between young people, smoking causes breathing and non breathing problems.
• It will also cause many type of heart diseases.
• In the terms of both performance and stamina, smoking harms the physical fitness of young people.
• The heart rate of young adult smokers beats two to three times per minute, faster than nonsmokers.
• Young smokers experience shortness of breath and provide more phlegm than teens who do not smoke.
• Teenage smokers often consult a doctor for emotional or psychological problems.
4. What are the advised tips to quit smoke?
Here are some professional doctors and persons advise to quit smoking in a great way as:
• Design your personal plan- It includes these following points:
- I want to be healthier and energetic in the long run
- I want to be free from cancer, heart attacks, strokes, early death, cataracts, and skin wrinkling.
- I want be ideal among my friends, family members, partner and others.
- I don't want to expose my children and others to the dangers of second-hand smoke.
* Cravings associated with meals
Most of the smokers like to smoke cigarette instantly after their meals and dinner. Hence, they can quit smoking habit by eating a piece of fruit, a (healthy) dessert, a square of chocolate, or a stick of gum.
* Alcohol and cigarettes
The other ordinary habit of having cigarette is when they have an alcoholic drink. Even drinking too much of alcohol is not good for health. It is advised to drink limited alcohol. Try to drink at the places where smoking inside is banned or try nuts and chips, or chewing on a straw or cocktail stick.
5. Common alternative procedure to quit smoking.
• Medication Therapy
• Nicotine Replacement Therapy
• Non-Nicotine Medication
• Non-Medication therapies
The pregnancy time is a very distinguished time in ladies life. If she find out just what to anticipate while pregnant and when giving birth, she will ambience more amenable and accept the changes you are going through without difficulty.


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The Empress depicts a woman figure surrounded by a thin golden cage, surrounded by nature and fire.
This project is now for sale
All shares have been sold for this project
£ 20.00/400.00 raised
Total Market Value:    £ 2000.00
What's up
This canvas will be one in the series of oil paintings depicting the mystical journey through [sub]conscious images, created as a map of symbols, mainly inspired by the language and symbolics of tarot, and alchemical manuscripts. Each painting has its own protagonist, and its own 'code', translated from personal thoughts and experiences into a universal story.
Read full bio here
Reach out
Email: [email protected]
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On sale at £ 7000.00
On sale at £ 7000.00
On sale at £ 7000.00


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Australian International School tennis star Claudia Ng hopes to make a racket at the 2016 Prudential Hong Kong Tennis Open
By Ben Pang
There's a lot of fitness and technique involved in playing tennis, but for local tennis star Claudia Ng Hei-ching, the biggest challenge is all the running she has to do.
"I can't describe how much I dislike running. It's the hardest part. But the sport involves a lot of running and I'll just have to deal with it during one of the most exciting tournaments of my career," said the 16-year-old student, who goes to Australian International School. Claudia has qualified as a wildcard for the 2016 Prudential Hong Kong Tennis Open, which will be held from October 8-16 at Victoria Park.
Since mid-August she's been going through an intense training programme, practising three hours a day, which involves a lot of running.
"It will improve my footwork and stamina," says Claudia. "I hope I can emulate the skills, tactics and footwork of my idol, Angelique Kerber from Germany, who is currently the world no 1 in women's singles tennis. She is able to integrate her fast, intricate footwork into her baseline forehand and backhand. This makes her shots very powerful and accurate."
Introducing Venia Yeung: Hong Kong's very own future Serena Williams
Claudia told Young Post that she needs to improve her overall tennis skills, but she is especially focused on her gameplay right now.
"I have been thinking about how to set up my shots, take control of the baseline rallies and place shots with greater accuracy. I want to put the ball at my opponent's backhand, leaving her wide open so I can finish with my forehand."
She's looking forward to the tournament, as she knows it will be a learning experience.
"It's my first time [in a major WTA event] so I believe I can learn a lot from it, especially how to handle pressure and concentrate on playing every shot better," Claudia says.
Her dream is to play against Kerber in the tournament, but it won't be easy for a wildcard.
"What I really want is to win two matches in the qualifying round to move into the main draw and play top players like Kerber, Venus Williams and Caroline Wozniacki," she says. "But the most important thing for me is I'll get to enjoy the atmosphere and gain valuable experience. I used to be a spectator at the Victoria Park matches – I can't believe I'll be a part of the game this year."
Claudia will play her first-round qualifier on Saturday. The tournament will offer free admission (first come, first serve) on October 10, and students will also have free admission on October 11.
Bench Notes
Which fictional character would you choose as your teammate?
I would want Natsu Takasaki from the Japanese manga series, Baby Steps. She can run very fast and, with her physical strength, make every shot powerful. She would be a great help in the doubles match, because she can move very fast and cover the gaps if I go to either the right or left. She is also very optimistic and humorous and she'll encourage me whenever I'm having a tough time.
What song title best describes you when you're playing your sport?
Rachel Platten's Fight Song. It reminds me that even though I'm just a small part of the world, I can make an impact. My favourite line is: "I might only have one match, but I can make an explosion," which is very encouraging and powerful.
Who is your favourite athlete?
Former World No. 1 tennis player Billie Jean King, because she was an iconic women's rights activist. She was the one who went against the assumption that women's tennis was a sideshow and has been instrumental in making sure that women's tennis is as well regarded as men's tennis.
You can take the abilities of any animal during one competition. Which do you choose and why?
A cheetah. With its pace, I would be able to return every single shot in a match.
What foods would you never give up?
Any desserts. I love a sweet reward after a tough match!
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In the wake of the Leipzig-Halle judgment in 2012, the Commission published its first set of analytical grids, explaining the criteria for the State Aid assessment of the public financing of infrastructure projects – reflecting the rules and case practice at that point in time.
These analytical grids have subsequently been updated on 22nd November 2017, and additional grids introduced as highlighted below.
Analytical grids on state aid to Infrastructure 2016 – 2017
- Introduction to the analytical grids
- Water infrastructures
- Roads, bridges, tunnels and inland waterways
- Railway, metro and local transport
- Port infrastructure
- Culture, heritage and nature conservation
- Airports
- Broadband
- Research
- Sports and Multifunctional
- Energy
- Waste Management
It is important for State Aid practitioners to note the Commission's 2016 Notion of Aid Notice remains extant. In particular, the Notice clarified a number of important points;
- Public investment for the construction or upgrade of infrastructure is free of State aid, if it does not directly compete with other infrastructure of the same kind.
- Even if infrastructure is built with the help of State aid, there is no aid to its operator and users if they pay a market price.
- EU state aid control focuses on public investments that have effect cross-border.
- If public authorities buy goods or services through tenders, which respect EU rules on public procurement, this is, in principle, sufficient to ensure that the transaction is free of State aid.


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Royal Ascot is Britain's most valuable race meeting with horses, their riders, trainers and owners competing for more than £7.3million worth of prize money and viewed in over 200 countries around the world. This extraordinary equine event starts Tuesday, 19 June and finishes Saturday, 23rd June. Royal Ascot has always attracted the great and the good and some of the most thrilling and fast paced horse racing you'll ever encounter.
In the spirit of Royal Ascot, Melo Labs UK is placing a wager that you'll love one of the best travel fingertip toothbrushes this side of Berkshire. Soft to the touch IKO original is the front runner, Eco friendly, 100% recyclable with fluoride and fresh menthol, it's hard to beat. Melo Labs IKO finger toothbrush is the first out of the gate and an industry leader, sure to be a winner with your entire family. Individually packed in its own reusable carrying case, you can take it with you everywhere and because it has a natural antibacterial agent embedded in the patented polymer, it can be used without water or toothpaste. Iko original is definitely the front runner and head and shoulders above the competition. It's practically a one-horse race so, just take a punt and try one today. We're sure the odds will be in your favour. Melo Labs….not just a one trick pony!!


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360° Graphic Design & Marketing
Clients rely on us to create effective, well thought out designs for all forms of marketing applications, on time, on budget with minimal fuss.
We are easy to work with, can save you time and help grow your business through improved results.
Branding & logo design, copywriting, printed publications, advertising, exhibition & display, POS & signage
Web Development
Marketing your business online with our help is easier, more effective and saves time.
We can provide a comprehensive range of solutions to suit your objectives and budget.
Website design & development, email marketing, social media, SEO & Google Adwords
We take the hassle, risk and complexity out of organising print. Our service saves you time and ensure your printing meets our high standards, is delivered on-time, on budget without those mistakes commonly made by those not in the printing trade. Our online ordering system also simplifies the process of reordering.


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Affiliate links in this post will be clearly marked with a * and if you click one of these links I will earn a discount or receive payment.
Happy Monday! What a week we had last week. We went for a break to Bluestone in Wales and we had a trip to Tenby on Wednesday, which Daisy absolutely loved. As we all did really. It was the perfect weather, really pretty and Daisy was in a fantastic mood too. As soon as Daisy saw the beach she knew what it was, despite us not visiting often, and told me that she wanted to build a sandcastle. We set about finding a shop for Daisy, so we could buy her a bucket and spade, and a little part of me cringed at the price – but I knew that Daisy was going to have a great time and I could keep the bucket and spade for our next trip to the beach. This weeks Living Arrows post is here, Living Arrows 24/53, hope you enjoy having a little look at what we got up to!
As you can see Daisy couldn't even wait for us to get on to the beach properly, or remove the tags from her bucket and spade.
After a few minutes we persuaded Daisy to walk further into the beach, so we could be down near the sea, to make the best sandcastles. Daisy soon lost interest in building sandcastles though and wanted to go and join over families. She was VERY interested in the seagulls (or ducks as she called them!) and had a great time chasing them, sharing her gluten-free sandwich and also splashing in the sea.
Our trip to Tenby was definitely a highlight of our week and I'm so glad we made the effort to get out of our resort. Daisy seemed to have a wonderful time too.


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Sallie Mae Student Loans Reviews
Sallie Mae's private student loans boast excellent interest rates as good or better than the competitors. That perk along, with access to four months of free academic services, make it a solid choice.
About Sallie Mae Student Loans
Sallie Mae is a lender who provides private student loans and college savings plans, all with the intent of providing the financial means with which you can attend college.
What makes the company unique is its history. The company started out as a government entity that serviced student loans. Over time, they became both a servicer and a lender. And, in 2014, their company split into two: Sallie Mae and Navient.
Sallie Mae is now a student loan lender and Navient is a student loan servicer. As a student loan lender, Sallie Mae is one of the more well-known names.
However, choosing a student loan is really about understanding the pros and cons of the lender. We're going to help you do that by analyzing the types of loans that Sallie Mae offers, the fees related to those loans as well as how their loans compare to private student loans from Discover, Citizens Bank and Wells Fargo.
At the end of our review, we'll give you a few quick thoughts on the strengths and weaknesses of Sallie Mae student loans.
The Types of Private Student Loans Sallie Mae Offers
Sallie Mae provides five different types of student loans depending on how old you are, whether you're a parent or a student and in which type of school you're enrolled.
Undergraduate Student Loans
Sallie Mae's "Smart Option" undergrad loans are intended for students who will enroll in an undergraduate program at a four-year university or college. The loan amounts equal the expenses related to your education – tuition, books, housing and other costs.
The interest rate you pay on your loan comes in two forms (also true for the other loans in this section): variable and fixed. Variable-rate loans have interest rates tied to the baseline interest rates set by the Federal Reserve of LIBOR. Basically, if interest rates rise, then your loan's interest rate will rise. If interest rates drop, your loan's rates will drop.
The interest rates for these two types of undergrad loans are:
- Variable: 4.12% - 10.49%
- Fixed: 5.74% - 11.85%
As is common among nearly all loans, the variable rate is significantly lower than the fixed rate. The idea here is that it starts out low but will eventually surpass the fixed rate.
You have three options for repaying this loan: deferment, fixed payments and interest-only. If you choose the deferment, then you won't make any payments until the seventh month after you graduate or drop below half-time. This is great if you don't have the money to make payments during and after school but interest is building when you aren't making payments.
If you want to slow the rate at which your interest builds during school, then you can choose to make fixed $25 payments each month or you can choose to make interest-only payments. These payments are covering the interest part of your payments, not the principal (amount borrowed without interest).
Both of these options are more affordable than a full-fledged payment that includes interest and principal. Plus, you can continue your payments up to six months after you graduate or drop below half-time before the full payments kick in.
According to Sallie Mae's website, going with the fixed payment will save you 13%, while the interest-only option will save you 27% over the deferment option. These savings come because you're paying down your interest early, which cuts down on how much time it has to compound.
The fine print notes you can participate in their Graduated Repayment plan in which you can do 12 months of interest-only payments once your full payments are scheduled to begin.
A few reminders about these undergraduate private loans:
- Your credit score will be checked
- You may need a co-signer if you have bad credit
- Non-U.S. citizens must have a co-signer w/good credit
- Repayment period is 10 years
Along with your undergrad student loan, Sallie Mae will give you four free months of access to tutoring site Chegg's "Chegg Study" service and a free 30-minute tutoring session from Chegg. You also get four months of proofreading and editing services from EasyBib, an editing service that includes, according to their site:
- Free citation service for all popular style guides (APA, Chicago, etc.)
- Grammar proofreading and editing
- Spell checking
You get the same set of free services if you get one of Sallie Mae's parent loans.
Technical & Career Training School Loans
These loans are designed for students who attend career-focused schools that teach trades or technical schools. Many of these schools are two-year institutions, while some are four-year.
Sallie Mae's terms for these loans are very different from undergraduate private loans. You don't get a fixed rate option. Rather, you get a variable-rate loan with an APR ranging from 6.37% to 13.47%.
And, rather than getting the option of deferring payments until six months after graduation, for example, you have to choose between interest-only or fixed payments.
Aside from this, the same rules apply as those for undergrad loans. Your credit will get checked when you apply for a loan. The better your scores, the better your interest rate. If you aren't a U.S. citizen, then you'll be required to have a co-signer with good credit scores.
Graduate Student Loans
This class of student loans from Sallie Mae is the most extensive, as they have specific loans for the type of degree you're getting. Here's a quick list of those degrees:
- Medical school
- Medical residency
- Dental school
- Dental residency
- Health professional
- Law school
- Bar exam
- Other programs
The lender's graduate loans, regardless of program, are more similar to the undergrad loans than they are to the technical/career schools.
You have your choice of variable rate (4.12% - 9.16%) and fixed rate (6.25% - 9.16%), and you have the same three repayment options: deferment, fixed $25 payments or interest-only payments while you're in school and in your grace period.
Also, you may have the options of extending you interest-only payments 12 months beyond the end of your grace period.
You get some additional perks, too, that you don't get with undergrad degrees. For example, since internships and fellowships can be tough financially for young doctors, you can defer your payments for up to four years "during your internship or fellowship", Sallie Mae's site says.
Plus, your repayment period is 15 years instead of 10.
Parent Loans
Parents of students who are ready to enroll in undergrad, technical/career or graduate school can take out a loan on their student's behalf. The parent is responsible for repayment.
These loans are similar to the career school loans in that you don't get a deferment period. You do, however, get to choose between a variable interest rate (5.62% APR – 11.99% APR) and a fixed interest rate (5.74% APR – 12.87% APR).
The parent's repayment options differ, too. Either you'll pay interest and principal while your child is in school or you can defer for up to 48 months and then make your monthly payments.
K-12 Private School Loans
The final category of student loans that Sallie Mae offers are loans for children and teenagers who are attending private schools.
These loans are different from the rest of the offerings we listed above:
- Up to a 3% disbursement fee
- Payment begins immediately
- Repayment length is 3 years
In addition to these three differentiating factors, K-12 loans from Sallie Mae, you have to make full payments and cannot do interest-only or $25 payments.
Also, you are limited to variable-rate loans with APR's of 9.11% - 15.76%. These rates are considerably higher than the other loans on this list and that may have to do with the fact that parents who want to take out loans for children and teenagers aren't, statistically speaking, as financially stable as those who have kids headed off to college.
So, instead of 5.62% and 11.99% for the parent loan in the previous section, you're paying 9.11% - 15.76%.
Sallie Mae's Fees and Discounts
You will not be charged any fees for getting a Sallie Mae loan for a graduate or undergraduate degree. You will, however, have to pay a disbursement fee of up to 3% for K-12 loans.
As for discounts, Sallie Mae will give you a 0.25% if you make automatic bill payments via your bank account.
How Sallie Mae Compares to Other Private Student Loan Lenders
The following chart provides a comparison of the fixed-rate private student loans that Sallie Mae, three other banks and the Federal Student Aid department offers. The rates you'll see here include the max discounts you can get with each lender:
|Sallie Mae
|Wells Fargo
|Citizens Bank
|Federal Aid
|Undergrad loans
|5.59% - 11.60%
|5.94% - 12.15%
|5.99% - 12.99%
|6.45% - 12.05%
|Graduate loans
|6.00% - 8.91%
|6.84% - 11.17%
|5.99% - 13.99%
|6.39% - 11.44%
|5.99% - 8.91%
|6.84% - 11.17%
|5.99% - 12.99%
|6.05% - 10.05%
|Medical doctorate
|5.99% - 8.61%
|6.66% - 9.68%
|5.99% - 11.24%
|5.56% - 9.21%
|Max discount
Sallie Mae's rates are the best of the three other private student loan lenders on this list. Their lowest APR's are as good as Discover's, but the lender distinguishes itself when it comes to the highest APR, all of which are lower than the competing banks.
Now, when it comes to comparing Sallie Mae's loans to federal loans, you're only getting a bargain if you have excellent credit (720 and above). If you have high credit scores, there's a good chance that you'll get the lender's best rates, which are better than the federal rates for all graduate loans.
However, if, as a grad student, you have bad credit scores (650 and below), then there's a good chance the rates you get from the federal government will be lower because they only have one rate and they don't check credit scores.
In our opinion, Sallie Mae's low rates make them a better fit for you than Wells Fargo, Discover and Citizens Bank because both those with good credit and bad credit will get industry-leading APR's.
Pros and Cons of Sallie Mae Private Student Loans
Based on our research of this lender and other private student loan lenders, we believe that Sallie Mae's greatest strength is that it offers excellent interest rates on their loans. While their discounts aren't as substantial as other companies, their rates are low enough to where that doesn't matter.
We also like how they give you the four free months of Chegg Study and EasyBib, two sites we think are important for helping new college students understand citations, footnotes, spelling, and grammar.
Another advantage is that the company offers loans for K-12 education, which is something that isn't listed on any of the other three private lenders we mentioned in our comparison chart.
The downside of the company is that, like the other lenders mentioned in this review, they don't offer the wide range of repayment plans that the federal government.
Whereas the Department of Education allows you to choose between eight student loan repayment options that provide various types of monthly repayment amounts, Sallie Mae has between a 10- and 15- year repayment period with no more than 12 months of interest-only payments. After that, you'll pay the principal and interest, which is a higher amount.
In our opinion, Sallie Mae is an excellent choice for someone who has good credit scores (720 and above) and is looking for a graduate degree. Your good credit scores may be able to get you a better rate for a loan than you would with federal student loans.