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A look at issues I deem worthy of my time, whether it be politics, religion or medical issues.
Tuesday, October 23, 2007
Judeofascist Awareness Week, day 2
Phyllis Chesler
Another Jurassic Judeofascist with the all too familiar story of turning from far left to far right. This one claims to be a former feminist who is now an anti-femenist. Once again we see the same old pattern of Judaic supremascists shifting from one end of the political spectrum to another. From bra burning to the 700 club.
Chesler's formulatic story is as follows : She meets secular Afghan guy in America, they marry and go to Afghanistan in 1960. She claims her passport is taken, she's constricted by the way of life and there's not a single Big Mac to be found in Kabul. Thats what I call captivity. She then contracts hepatitis and somehow makes it back to America(on a tourist visa despite being a US citizen, I wonder how that works) in 1961, and presto! She's an expert on Islam, Muslim woman and pretty much everything. "Not without my daughter," anyone?
This megaton tinkerbell is now a full fledged zionist agitator(featured on Horowitz's FrontPageRag and the terrorist Kahanist JDL) when she isn't pretending to an authority on womans issues as a "feminist psychologist." She put together a ridiculous book called "The New Anti-semetism"(which ofcourse doesn't count Arabs who represent 95% of semites). Norman Finkelstein took it apart easily. Did you know that India is an Arab country? Or that Aung San Suu Kyi, the Buddhist Nobel laureate is an Arab Muslim? How such an incompetent imbecile can hold a position in academia is beyond me. Guess its all good as long you spew judeofascist hatred. Don't hold your breath waiting for Ms.Piggy to say anything about the violations of womans rights by the "chosen ones."
Doesn't matter whether its a Palestinian mother or a Swedish peace activist, as far Chesler is concerned jewish terrorism is totally kosher. Speaking of retarded stereotyping, check out what Finkelstein has to say on oppressed Muslim woman.
Further reading :
Pseudo-feminism leads to war
Shouldn't Chesler first have consulted the idiot's guide to the Middle East?
Debbie Schlussel
Heres someone who makes Chesler look somewhat sane. Debbie Schlussel is a racist judeofascist lunatic, think Ann Coulter minus 30 pounds sans bad dye job.
She's always been a JDL Kahanist type, and has never pretended to a liberal. Atleast she's consistent in her insanity high on milhemet mitzvah(jewish holy war) kool aid against Islam and Muslims.
This aging untalented yenta makes the headlines through demonstrably false statements, coupled with shrill "commentary" which makes sense only from a padded cell. Its not hard to see why Jewish men marry out of the species. Her life would be greatly improved if she settled down, preferably with OJ Simpson.
Her rap sheet consists of one racist smear after another. Lets start with the fact she nearly got a Congressman(it didn't matter that he was Republican, or Christian...He's third generation Ay-rab!) killed by her friends in terrorist JDL, who also planned to blow up a Culver City mosque.
The plot failed, but Schlussel never apologized or condemned this act of attempted terrorism. She didn't learn either. Remember that great 30 days as a Muslim episode(watch it!)? She went of on a frothy tirade against the producers and participants of that show because it wasn't anti-Muslim.
This Israeli degenerate next to tried to play James Bond by attempting to "infiltrate" a Muslim themed event, in hijab and all. Too bad for her, that ugly sagging mug was recognizable to the rest of those attending. She almost looks human, throw in a niqab for good measure with a call to the local dog catcher.
Oh, but theres so much more. Schlussel then went after Democratic golden boy Barack Hussein Obama, smearing him and questioning his loyalty. He's black and had a Muslim father! Run for the hills! Hence according this judeofascist harpy's calculations, he can't be trusted(not that I trust politicians as a whole).
The so-called young turks got it right this time(some strong language) :
Not content with sounding like an utter, near-menopausal moron, Schlussel then upped the ante by proclaiming that the gunman responsible for the Virginia Tech massacre was a Muslim, claiming its a "paki." When it was revealed to be a South Korean immigrant, she still insisted there was a Muslim connection because he had a "Ismail axe" tattoo...finally ending up as a diatribe against immigration. Theres an idea, how about a moratorium on immigration from East European AskheNAZI hell holes?
I have nothing more to add about this disgusting, paranoid, vile Irgun poster cow. Thank God for RU-486.
Further reading :
The Pilot who lost his cool
4 comments:
- Uther said...
Hey Dr. M, I love your post. I think you made a good point to illustrate that the Judeofascists are not only a bunch of liars, but also a national security threat to this nation, and to the world. Thank almighty you were born to this world to spread the truth.
- Yusuf said...
As-Salaamu 'alaikum,
I wrote this article last year when the Guardian (of London) did a feature on Chesler in their "ideas" column, the same day, as I remember, as they had a feature on right-wing attempts to censor academia in the USA:
Read article
- AlanAnonymous said...
I have a little difficulty reconciling this article you linked to which is by a group called "Revolutionary Feminism":
"Pseudo-feminism leads to war"
To answer her question on whether the war in Iraq is "pseudo-feminism", well just come back in 20 years time when the land is a universal slut culture, replete with abortion, sexual anarchism and pornographic satellite TV. Now they are primarily Western values, tomorrow they will adorn the lands of the Middle East thanks to this supposedly "pseudo" feminist invasion of Iraq.
Right... Well I'm not buying the "pseudo" part.
Apart from that, I'm not sure if Commie "Revolutionary Marxists" who advocate the mass sterlisation of males, among other things, are really kindred spirits.
- Pro-Islam Native European.
- AlanAnonymous said...
I've been reading some of the other articles on that site and I'm concluding that they're actually insane.


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On June 23, The Honourable Kirsty Duncan, Minister of Science, visited McMaster to announce the 2016 NSERC Discovery grants and our Farncombe colleague, Dr. Lesley McNeil, was featured as she was also awarded a Discovery Accelerator Supplement grant. Minister Duncan toured the McNeil lab to hear about Lesley's fascinating work with worms (and bacteria!). Members of the Surette lab also had a chance to meet and talk with her. The Minister was engaging and genuinely interested in hearing about the microbiome and our collaborative research with worms and bugs!
All photos credited to : Department of Communications and Public Affairs, McMaster University.


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Beautiful walk out rancher with fabulous lake and mountain views! Over 1700 Square Feet on the main with 3 bedrooms, living room, family room and dining room. Fantastic updates include new flooring, bathrooms, stainless steel appliances, and fresh paint. Lower level features a family room plus a self contained one bedroom suite. Large .74 of an acre lot backs on to a ravine and is extremely private, surrounded by vineyards and nature. Huge oversized double car garage, new roof, fully fenced rear yard, built in vacuum, and much more. Extremely quiet and private location that is minutes away from wineries and beaches! Call Wes Jones with RE/MAX Kelowna NEUFELD JONES; 250-215-1084 or email email@example.com for more information. You can also visit our website www.neufeldjones.com for more details!
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Work was busy but not overly so. We are updating accounts. Since Charlie has started calling Lucy, we have started to rename a few others. The rest of my immediate department has decided to play along and have renamed themselves Sally and Schroeder.
My department actually department is pretty small, but I work with a lot of other departments in the company because my desk is located to close to the front door to not see everyone. I don't mind it. It helps to pass the time chatting with the various character's I work with.
After work Tim and I grabbed my friend William and headed out to dinner. We weren't sure where to go so Tim suggested Landowne at Mohegan Sun. We haven't been there since the new portals went up. (Yes, we picked a restaurant partially based on being able to get unique hacks for Ingress - no I'm not addicted. LOL)
It was good to catch up. I haven't seen him in a few weeks. We used to work together in my last position and he's become a good friend. While I worked there I convinced him to try Ingress. The only down side is that he picked the other team. But no matter, we're still friends - even if I'm now obligated to hack his portals.
Wednesday, June 24, 2015
Day 91 The Gang's all Here
Posted by Nancy Catherine Walker
Topics: Real Life
Wife of a Native, Mum to the Spawn. I don't fit in a box, literally or figuratively. I don't have a label. I can't be cataloged. Wife, Mum, Writer, Editor, Reviewer, and Photographer. Advocate for common sense, creator of havoc and collector of names.
To find out more about my writing, photography, reviews or life in general, check out my blog at http://www.NancyCWalker.com
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Happy February!
Here we go, my first 30 day challenge. I'm ready to get this started. Are you? If you're joining me try to pick something that doesn't feel too intimidating, but would also feel rewarding if (when) you accomplish it!
I've always wanted to be able to do a split, but never have (like I've always been so inflexible that I quit gymnastics because I couldn't do a split, even at the young and bendy age of 12). I'm not sure I was ever really committed enough, so why not try again now.
I'm going to be following the Blogilates streches to splits challenge. Here's a quick recap of what the program has me doing for 30 days.
Day 1-5: Foundation stretches, this means I will do stretches #1-5 EVERY day for those first 5 days. I should hold each stretch for 30 secs-1 min
Day 6-30: Complete stretches #1-5 and then add on one stretch. Example: Day 6, I'll do stretches #1-5 and #6, Day 7 #1-5 and 7.
Get it? Good!
Feel free to join me on this challenge (it's always great to have someone to keep you accountable). I'll check in every few days to let you know how I'm doing and I'd love to hear from you too! Let's do this!


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Dear Wednesday,
I know that it's not cheap to be a bridesmaid, but the dress I want them to wear costs over $250. I've looked at other designers and similar dresses, but nothing compares. How can I tell my friends to buy an expensive dress that they may or may not wear again?
– – – – –
Before you start browsing for bridesmaid dresses, talk to your girls individually about their budget. If everyone's budget is $200, but you fall in love with a $250 dress, maybe you can offer to pay the $50 difference.
– Wednesday
– Wednesday


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The Regulation of Attraction Satisfies Politics and Religion
We are now living in a bodily complete world normally polarized by politics and faith. At greatest, we politely stay clear of both of these subject places. At worst, we start off wars and spill blood. Within just this write-up, I am going to have a very glance at how the legislation of attraction has an influence on these delicate topics budi arie setiadi . Then I'll suggest some techniques and techniques for "living on the planet although not of it" as Jesus stated.
The Regulation of Attraction
I am assuming that you just, the reader, are acquainted when utilizing the regulation of attraction. Bear in mind that the legislation of attraction brings together objects and functions of like vibrational diploma. Individuals and groups of people aquiring a regular tribal consciousness will attract in ordeals that take place being in sync with their vibrational ranges. Everything you spot out is precisely what you can get back again.
The most effective of political management is providers in your local community for being a whole. Actually, politics entails a sizable dose of self-interest furthermore as creating limitless compromises like a strategy to make the products called authorities carry out. Conflict and violent confrontation are portion in the vibrational phase that politics has ordinarily occupied. This continues to get reputable all through cultures in the middle of background.
It truly is to not point out which the varieties of government have not highly developed to some extent coupled with our consciousness. The fashionable democracies that exist now keep away from violent confrontation in any case inside their very own structures. You don't see bloody coups and civil wars happening in the majority of current working day democracies. Most recent democracies go on to exist, however, in a very vibrational quantity of violent conflict and confrontation. It really is feasible to find out this evidenced through the steady wars presently becoming fought by these entities.
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Err, one small thing, on desktop I can't like any posts. Or at least my name doesn't pop up under the posts after I do so.
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When my information changes, I alter my conclusions. What do you do, sir? J.M. Keynes
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Tapatalk is a no go for me as well, nothing loads now
Tapatalk has been fixed.
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Tapatalk is working which is great, but Im having one small issue and Im wondering if anyone else is having this issue as well. Any thread I open keeps going back to the same post even though I have my settings set to open to first unread post. Anyone else experiencing this? Its extremely aggravating.
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Our highly trained technicians have worked on some of the most complex cases with great success. If your hard drive or SDcard is no longer responsive, we'll get your information back!
Top Reasons to Choose Rossmann Repair Group
- Our CUSTOMERS LOVE US!<– Read the reviews.
- Our pricing is fair.
- Confidentiality.
- Free estimate.
Call us during store hours: (347) 552-2258.
Email us anytime
186 First Avenue New York, NY 10009
Monday to Friday 12 PM to 8 PM.
Weekends 12 PM to 4 PM


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PINE ISLAND, FL., March 19th, 2014- Starting Wednesday March 26th Zumba classes will be held at the Matlacha Community Center. Classes start at 11:00am-12:00pm each class is $10.00. For more information please call 239-283-4110
Come dance, shake and sweat those calories away with Zumba! Zumba is a Latin and International based dance fitness program that will get your heart pumping and hips shaking! You will be dancing the salsa, merengue, cha cha and many more exciting styles of dance. This class is for all fitness levels. Come join the party!
Contact: Christina Richter
Lee County Parks & Recreation
Matlacha Community Center
(239) 283-4110


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Friday, February 13, 2009
Currency Bundle
Here are the currency files all bundled together. You get the nine symbols, two borders and two titles. Like I said earlier the included symbols do not represent the currencies of every country but they do cover well over 100 countries.
Currency Bundle = $3.99
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A. After you add your file to the shopping cart, select the Quick Pay option. It will take you to the page where you can click on the blue "Manage my payment information" button under the gold "Pay Now" button. From there you can update your credit card info, delete a card or add a new credit card.
A. DocuSend is a pay as you go service. If you are in our DocuSend package service, you must pay via Credit Card or Pay Pal. Customized services are available. Contact MTI at firstname.lastname@example.com for additional information. If you opt out of the DocuSend package, you will need to complete the on line Credit Application and go through the approval process before the change can be made. Other applicable charges will apply, including a change in your processing costs. And you'll also have to provide postage in advance of each mailing.
A. In order to provide our DocuSend one low price DocuSend packages are pay as you go only. If you'd like a different payment plan, please contact MTI at email@example.com to discuss custom options that fall outside of the DocuSend value price point.
A. DocuSend is a pay as you go service. Each time you upload a file, you are charged via Credit Card or Pay Pal. You can access the DocuSend Portal to see what your charges are per mailing. You can also select a date range to get a total of quantity processed and costs.
A. A $0.50 Upload Batch fee applies to each shopping cart purchase. This fee allows us to keep our costs low and maintain a no minimum document policy. It covers all documents (no limit) uploaded in your shopping cart.
Phone: 585-617-4666 or 877-514-3091
Email: email@example.com
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Phone: 585-617-4666 or 877-514-3091
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Mentions of The Coronado
How Vinyl Voices Mixes Storytelling and SongPhoenix New Times, June 21, 2017
"Every last Tuesday of the month, folks gather around The Coronado's patio in central Phoenix to hear local storytellers talk about their favorite records. All sorts of people appear at this show: musicians, cooks, poets, painters, and even music writers like me. The events feel as intimate as getting a handmade mixtape or eavesdropping on a confession booth."
AZ, Phoenix – The Coronado: Vegetarian & Vegan Fare from Morning 'til NightGo Dairy Free, April 2017
"Beyond breakfast, The Coronado has an expansive lunch and dinner menu that includes tacos, sandwiches, chili, and appetizers. Just a few of their mouthwatering dishes include Red Bean Quesadillas, Tahini Brussel Caesar Salad, and Chili Guacamole Fries. And in the evening, you can enjoy an array of cocktails, wines, and beers on tap. "
But First, BrunchPhoenix Magazine, March 2017
"Bacon, shmacon. Liam Murtagh's and Emily Spetrino's vegetarian eatery proves that a brunch can be plenty decadent and delicious without meat. To wit: the ultimate veg brunch spread."
101 Things We Love About the ValleyPhoenix Magazine March 2017
"Just 10 years ago, our vegetarian/vegan options could be counted on one sad hand. Now we're counting them with our toes, too."
The 10 Best Restaurants For Vegetarians In PhoenixThrillest, January 31, 2017
"The Coronado is a vegetarian and vegan restaurant that's breaking the mold of what a meat-free restaurant should be."
Phoenix's Best for Vegan/VegetarianZagat
"Presenting the top-rated spots for vegan and vegetarian dishes in Phoenix."
25 Dog Friendly Phoenix Brunch SpotsLocal POV, July 29, 2016
"The Coronado is the place to go for brunch if you are a Vegetarian or Vegan, are meeting Vegetarian friends, or just want to bring your dog to veggie-centric brunch on a lovely patio in Downtown Phoenix."
Live PHX | The CoronadoDowntown Phoenix Journal, June 28, 2016
"You don't have to be a vegetarian (or vegan) to love The Coronado. … Between the food, the atmosphere, and the people, The Coronado's one of those local places that's got a certain spark… And with their dog-friendly patio, we might even say The Coronado's got a little bark."
A Recipe For Feeding The UnderservedASU Now, April 29, 2016
"ASU students create bilingual cookbook featuring local produce, local chefs' recipes to promote community health"
Bitches Food Club no. 26Bitches Food Club October 25, 2015
"The street corn was on point, perfectly roasted and the flavors were great. Fried guacamole: I wasn't sure how they were going to do that, but they nailed it. All my guacamole dreams have now come true."
The Coronado In Midtown Phoenix: Coffee, Jalapeño Waffles, And Deep-fried Guacamole
Phoenix New Times,September 25, 2015
"The most impressive space in the restaurant is the coffee bar and ordering counter, where you'll find a selection of pastries and a well-stocked bar."
New restaurant The Coronado offers vegetarian dishes, relaxing environment
Downtown Devil,September 24, 2015
"Murtagh said he brought some of his cooking from Bragg's to The Coronado in a 'Southwest inspired' vegetarian menu with some vegan options."
The Coronado: Vegetarian Restaurant To Open In Former Urban Vine, Coronado Cafe Location
Phoenix New Times,August 28, 2015
"Vegan and vegetarian diners may already know the name Liam Murtagh. After all, he's one of the owners behind one of the Valley's most popular vegan restaurants, Bragg's Factory Diner, a vegan (formerly vegan/vegetarian) diner located on Grand Avenue. Now Murtagh's heading to the Coronado neighborhood…"


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EDI(redirected from TRADACOMS)
Also found in: Dictionary, Financial, Encyclopedia, Wikipedia.
abbreviation for Electronic Data Interchange.
messagingThe use of structured electronic messages or email to transfer lab results, prescriptions, etc., from one computer system or setting to another.
Abbreviation for electronic data interchange.
estimated daily intake,
The presumed daily exposure to or consumption of an nutrient or chemical residue.


text: On December 18th I observed some open clusters using 15x80 Vixen binoculars and the Sky Window. I started the session at 19.30 UT and ended at 22.15 UT. The seeing was bad (3 to 4 out of 10). There was a lot of moisture in the air, which enhanced the sky glow. This night I concentrated on M45, the Pleiades, in Taurus. I made a sketch of the cluster.


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Every now and again we all need a little help and assistance through the tough times of life. Many of our volunteers were on the receiving side at one time or another. Now, they are sharing their stories of hope and helping others excel in purposeful living.
A Place In Time Christian Ministries' Bread of Life Food Pantry was established to help struggling families with HOPE by providing an emergency food box and clothing.
We offer periodic FREE Life Skill Workshops. Some of our most popular workshops have included Resume Writing, Interviewing Skills, How to Cook on a Budget, and Finding More Money in Your Month financial workshop.
At this time we do not offer cash assistance.
Please call 954-435-7474 to make an appointment or Email firstname.lastname@example.com
To see our other Resource Pages click on Need Help? and see the list


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The Otorhinolaryngologists had their first session today!
Well, it didn't go so easily at the start, but eventually I had to admit, for me it was *musically* much more interesting than most of the BC sessions. Finally my word had some weight. We've put some things together, well, lot to do now, but I hope this month I am finally getting my own guitar, so then we can start on the full speed .D oh, this is gonna be....... so..... weird .D
Thursday, March 8, 2007
The medical rock
Labels: the otorhinolaryngologists
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The Sony MDR-1A Premium Hi-Res Stereo Headphone use 40mm Aluminum coated Liquid Crystal Polymer (ALCP) dynamic drivers to deliver a frequency response of 3 to 100,000 Hz, making them suitable for reproducing the information found in high-resolution audio at higher sample rates. Silver-coated oxygen-free copper (OFC) cable ensures minimal signal transmission degradation for pure audio response at the driver.
Additional advancements include the use of 4-conductor cable for better signal separation, ergonomic earpads for long-term comfort, silicon rings around each moving axis for smooth and the option of adding cables engineered by Kimber Kable (MUC-B12SM1, MUC=B30UM1, MUCB20BL1).
The Sony MDR-1A Premium Hi-Res Stereo Headphone specifically designed for Android smartphones, a configurable in-line remote with microphone delivers personalized music and call functionality. Using the free SmartKeyAPP (available at Google Play and the App Store) you can customize the in-line remote, control settings via your smartphone.
Type : Closed, Dynamic
Microphone : In-line electret condenser (with supplied smartphone control cable)
Cord : Single-sided, detachable
Remote Control : Multi-function button / SmartKey app (with supplied Smartphone Control Cable)
Impedance : 24 Ω at 1,000 Hz
Driver : 40 mm , dome type, Aluminum-coated Liquid Crystal Polymer Diaphragm
Volume Control : No
Power Handling : 1500 mW (IEC)
Sensitivity : 105 dB/mW
Frequency Response : 3 to 100,000 Hz
Case Type : Carrying pouch
Intended Application : Portable and home
Design : Over-the head
Headband : Yes
Plug : Gold-plated plugs: stereo mini an L-shaped four conductor mini
Cable Length : Headphone Cable: 3.9' (1.2 m)
Smartphone Cable: 3.9' (1.2 m)
Weight Without Cable: 7.94 oz (225 g)
13.9' (1.2 m) Audio Cable
3.9' (1.2 m) Android Smartphone Cable with Electret Microphone
Carrying Pouch
Manual (Japanese)
Original Box
DEAL WITH THE PRO * LEARN WITH THE PRO * PLAY WITH THE PRO *Serving DJs and Producers for over 15 years. We provide and sale all the item at the lowest prices range for all authentic genuine and authorized product fully cover with local warranty value *If you find or survey at the cheaper or non-official dealer/store, we will and we can try to beat it for your's request.* **If you've find or survey at the unusual/strange price quote, that will be Fake/Modified or Unauthorized product made.**
Sunday, October 25, 2015
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For the next few weeks I'm going to focus on Fashion and Style and this week I'm starting with my minimal wardrobe, specifically reasons I love my minimal wardrobe.
So here goes…
Reason #1
Actually having a defined style. I spent so many years never having anything to wear, or so it seemed. I was really just buying clothing that appealed to me, but wasn't really my style. So I'd pick up a top and love the colour or the pattern, make sure it was my size, maybe try it on and then I'd wear it a few times only because I never really thought about what would match it. I'd buy clothing pieces, instead of thinking in terms of outfits. Now however, I have keep a neutral colour palette with a few added colours that I like and know look good on me, and I go for comfort and styles that I know work instead of just what appeals to me when I go shopping.
Reason #2
Everything matches. Sticking to a colour palette has allowed me to buy pretty much anything in those colours and they will already match a pile of other pieces in my wardrobe. I mean it's so much easier in the morning now getting ready all I have to worry about now is what the weather is like, but otherwise I can practically grab a top and a bottom and just go, no hassle, no standing in front of the closet with the doors open sifting through the hangers over and over again. Instead it's quick and easy and I like what I wear now.
Reason #3
Saving money. I am far more conscious of how I use my money than I ever have been before, and creating this wardrobe piece by piece has made me super aware of what I'm buying and how I'll spend my money. I'll think about a purchase for a few days (or usually longer) before I buy something and that has made my money go a lot farther than it used to.
Overall, having this shaved down wardrobe has helped with ease in the morning, but also my confidence. I have clothing that fits and it's in colours that I know look good on me. I don't feel too flashy, I don't like a lot of bright colours, and I wear clothing that feels sophisticated and modern. And I also wear a lot of black so it says "I'm here" but it isn't drawing any attention to myself. I am still an introvert ok guys?
What are your thoughts on minimal/capsule wardrobes? Do you think it would work for you?


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July 24, 2009
Dear Parents,
Welcome to Queens Collegiate: A College Board School. We are looking forward to a great second year! The beginning of a school year brings a number of questions, many of which should be answered below:
- Student Orientation for 9th grade students: Wednesday, September 2, 2009 from 10:00 a.m. until 12:00 noon.
- Parent Orientation & PTA Meeting: Monday, September 14, 2009 from 6:00 p.m. until 7:30 p.m. The PTA meeting will occur afterwards from 7:30 p.m. until 8:30 p.m.
- First Day of School: Wednesday, September 9, 2009. Morning Meeting starts at 8:15 a.m. in the cafeteria. Classes begin at 8:25 a.m.
- School Times : School starts at 8:15 a.m. and ends at either 2:45 p.m. or 3:23 p.m. The first three days of school all students will be dismissed at 2:45 p.m.
- Lunch: Students may purchase a school lunch for $1.50 or may bring a bag lunch. Reduced-fee ($0.25) or no-fee school lunches are also available, depending upon the information on the lunch forms. All parents must fill out a lunch form for school information and funding.
- Locker Assignment: Locker assignments will be made during Advisory in the first week of school. Due to a shortage of lockers, students will be asked to share with their classmates. All lockers must have a lock, and be used to contain outer wear during the day.
- Gym Lockers: Students may use the lockers in the locker room to hold their gym equipment. Locks are required, and students must provide their own lock.
- Class Schedules: Class schedules may be picked up by students on Tuesday, September 8, 2009 from 10:00 a.m. -12:00 noon.
- Supplies: Supply lists will be in a separate post. Please come to school prepared starting the first day.
- Student Handbooks: Student handbooks will be handed out during the first week of school. Our policies and procedures will be delineated in that book.
- Dress Code: White, royal or navy polo shirt or button down shirt with khaki or navy pants or skirt (skirt must be within 1" of the knee). Plain shoes, dress shoes preferred. All students must wear dress code attire daily. On Fridays students may wear plain dark colored jeans with their QC shirt. Patches will be available for sale in the room 306 for $4 per patch.
As always, our blog has a wealth of information at http://QueensCollegiate.wordpress.com We welcome questions and comments on the blog, via email or voicemail. We hope the information iselpful to you.
Mrs. Jaime Dubei


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The Natasha Denona Pro Brush Set is unparalleled in the busy global arena of professional makeup. Numerous makeup artists worldwide prefer these unique brushes – for their fine effects, exceptional results and remarkable user-friendliness.
The incomparable quality of Natasha's brushes stems from one critical fact: they have been methodically designed by a creative, professional makeup artist who has applied her expertise to thousands of faces over many years. It was Natasha's extensive experience and knowhow that enabled her to build such artist-friendly brushes, perfectly shaped for different facial areas – eyes, cheekbones, lips etc. As a special bonus, the brushes are stored in a unique pouch - which also serves as a complete, compact, handsomely designed makeup stand.
Natasha Denona's makeup brushes are made of either natural or synthetic hair, as needed. All natural hair is supplied by companies that strictly avoid animal abuse.
Including 21 brushes (#1 - #21)
Store brushes inside pouch in a standing position.
Avoid rubbing brushes roughly, to prevent loss of hair.
Clean and disinfect brushes after every use, with a cleaning solution specially formulated for makeup brushes.
For brushes made of natural hair:
Shampoo and apply conditioner before initial use.
Shampoo and apply conditioner once every two weeks.
Please note! Brush handles are made of wood. Make sure they stay dry when you wash the hair!
After washing squeeze and shake brushes gently to discard excess water.
Important! Do not dry brushes in a standing position! To dry, place them on a dry towel.
Natasha Denona Make Up


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As the days get shorter, the leaves fall and the temperatures dip, it's a good time of year to consider doing a cleanse. Why now? Here are a few reasons:
• Make up for summer indulgences: Canadians know how to make the most of the fleeting summer months; we enjoy every last bit of those hot, hazy days. After a season filled with backyard barbecues, al-fresco cocktails and late-night gelato, it's probably a good idea to cleanse, which will help restore your body to optimal health.
• Protect your body as you head into cold and flu season: The season of sniffles is right around the corner. In Canada, cold and flu season generally runs from November to April. Regularly detoxifying can help strengthen your body's immune system and fight off viruses. Resolve to prevent illnesses before they start—your body can use all the support it can get.
• Prepare for the upcoming holidays: The holidays may be a happy time, but they're inevitably accompanied by stress, less sleep, and changes to our diet which aren't always healthy. A cleanse can give you the energy and strength to power through all the way to January.
While it's a great time to start a cleanse, it also happens to be a busy time for many people. The good news is that you don't need to make overwhelming changes to your lifestyle in order to do a proper cleanse. People assume it's an all-consuming, extreme process, when it's really a matter of making small changes that will have big results.
• Start by loading up your diet with warming foods, such as sweet potatoes, squash and beets, as well as spices like cinnamon, clove and ginger. Reach for cruciferous veggies, like broccoli, cauliflower and kale, which contain liver-friendly compounds.
• Detox pathways need to be flushed—especially our cells and kidneys—which is why hydration is a key component of cleansing. Increase your fluid intake by reaching for flat or sparkling water, lemon water or unsweetened nut milks. Black, green and herbal teas also count toward your water intake.
• Take your detox a step further by opting for an herbal cleansing tea such as Flor•Essence® Herbal Cleanse. This whole-body cleansing formula effectively helps your body to remove accumulated waste and environmental toxins better than it can on its own. Made with eight herbs and 97-percent organic, Flor•Essence® provides antioxidant phytonutrients and supports the organs of elimination and detoxification.
Unlike other detoxes that can be hard on the body, Flor•Essence's soothing tea doesn't push your body into an extreme state of detox. Rather, it supports your body's detox systems in doing what they were made to do, only a little bit better. Best of all, Flor•Essence® helps you safely and gently detoxify your body in just one week.
A full-body detox doesn't need to be difficult. Commit to making these easy changes this fall—your body will thank you!


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Many people would like to be parents at some point in their lives. Although the timing and your current situation may not be what you pictured, your pregnancy still offers you the opportunity to experience the joy of becoming a parent. Caring for a new life is a big responsibility. We can help you understand and realistically evaluate your options to determine if parenting is right for you. Call or schedule an appointment at the Pregnancy Center of Bryan County.
If you have decided that you are ready to parent taking good care of your baby means taking care of yourself. Starting before your baby's birth, your physical health and emotional well-being are important, as is a healthy lifestyle. We provide free 1st and 2nd trimester pre-natal care, and can help you with newborn and parenting resources and support programs. We also have relationships with many local community organizations and can assist you with referrals.
You have lots of choices with adoption. You are in the driver's seat when making a loving adoption plan and there are lots of things to consider if you are:
-Unsure about having an abortion and aren't ready to parent
-Want to provide your child with a 2-parent family
-Want to provide your child emotional and financial stability.
In today's adoptions, you can know your child and be a part of your child's life. You can have the peace of knowing your child is loved and cared for by the couple you choose.
Open adoption allows you to:
Every woman's situation is different, and only you can decide what is best in your case. If you are trying to decide if adoption is the right option for you, you may find it helpful to meet with a Social Worker. Call or schedule an appointment at the Pregnancy Center of Bryan County.
Our trained client advocates and nursing staff are available to discuss with you any questions you may have regarding having an abortion, barriers to continuing a pregnancy, as well as abortion procedures and risks associated with abortion.
There are medication and surgical abortion procedures. The types of abortion that may be available depend on factors such as how far along you are in your pregnancy.
There are many things to consider. It's important for you to determine what is best for you, now and in the future. You have a right to get all the facts. Take the time you need to equip yourself to make your best decision.
We are here to help you understand all your options so that you can make an informed decision. It is your pregnancy, your right to know, and your decision. We are committed to providing you with the knowledge and caring support you need to make an informed decision. Call or schedule an appointment at the Pregnancy Center of Bryan County.


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The Terra Stingray was an original two-seater amphibious jet manufactured by Terra Aeronautics and inspired by a design concept by Reitsuki Kojima.
With both standard and aquatic modes, the Terra Stingray was designed to be a multipurpose vehicle for exploring Second Life's vast oceanic network. As a plane, it can take off from land or water. As a boat, it can cruise the seas at high speed. As a submarine, it can slip through the murky depths.
For version 1.1 a Turbo Boost function was added to the Stingray. The afterburners allowed for an extra blast of speed at the cost of using four times as much fuel when active.
- Includes a heads-up display (HUD) attachment with throttle, speed, altitude, and fuel instruments, engine on/off switch, eject switch, and "options" menu.
- Vehicle modes: As an amphibious jet, the stingray can transform from a standard aircraft into a boat or a submarine. While in submarine mode the aircraft's telescopic wings retract into the fuselage.
- Aircraft is fully modifiable with custom paint schemes.
- Flight models: Users can choose from three different flight models that affect the aircraft's handling - touring, stunts and custom.
- Simulated Fuel: The Stingray can operate up to 30 minutes on a full tank of Terra aircraft fuel. Fuel can be replenished from either a Terra-branded fuel pump or gas cans. Fuel is drained four times faster than normal while turbo boost is engaged.


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Student Credit Cards
I've heard about student credit cards, but I don't really know anything about them. Should I get one?
Credit card companies make special credit card products designed for students. But before you get one it's important to understand how credit cards impact your credit history.
If you don't use a credit card responsibly you could end up with lots of expensive debt, negative items on your credit report, or both.
Many negative items, like late payments, stay on your credit reports for 7 years. Bad credit history can make it hard or impossible to rent an apartment, get car insurance, or get smartphone financing and data plans.
The Best Student Credit Cards of 2019
|Best For
|Earning Rewards
|Discover it for Students (Review)
|Buying Gas and Going Out to Eat
|Discover it® Chrome for Students (Review)
|Long 0% Intro Period
|Bank of America Cash Rewards™ for Students Card (Review)
|International Students, No Credit History
|Deserve Edu Mastercard (Review)
Here are our most recent picks for the best credit cards for students. Keep reading to learn why they're our favorites.
Best for Earning Rewards
Discover it® Student Cash Back
For People with
No Credit
- Annual Fee: $0
- Interest Rate: 15.24%–24.24% Variable
Quick Card Facts
- Cashback Match: Double all the cash back you've earned at the end of your first year automatically.
- 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com, up to $1,500 in spending per quarter (then 1%)
- No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment and paying late won't raise your APR.
- Free FICO® Credit Score on statements, online & by mobile app.
- 100% U.S.-based service.
- Each Discover purchase is monitored for fraud, and you're never responsible for unauthorized purchases on your Discover card.
The Discover it for Students (Review) is very rewarding for a student credit card. For no annual fee, it provides:
- 5% cash back in categories that rotate throughout the year, on the first $1,500 spent each quarter (see calendar below)
- 1% cash back on all other purchases
- Cashback Match: new cardmembers get double the cash back earned in the first year
- Good Grades Reward: Get a $20 reward for every year that you get a GPA of 3.0 or above, up to five years
The 5% cash back calendar for the Discover it for 2019 is:
|5% Cash Back Category
|January – March
|Grocery Stores
|April – June
|Gas Stations, Uber, Lyft
|July – September
|October – December
That Cashback Match is a great deal, and it means you'll be getting 10% cash back in those categories for your first year. And 2% back for non-category purchases.
You're not likely to find a deal like that on other no-annual-fee rewards cards, especially those designed for people with limited credit. As far as student cards go, it's definitely the most rewarding card offer. If you make a variety of purchases throughout the year, a card with rotating categories like this could be a good fit.
This card comes with a 0% intro APR for 6 months for purchases. That gives you some time to pay off initial purchases at no interest, but be sure to always make at least your minimum payments during that period. When this intro period runs out, and for cards without an intro period, we recommend always paying your balance in full each billing period.
Discover cardholders can access the Discover Credit Scorecard, a tool for tracking your credit. It will show you your FICO 8 Credit Score based on your TransUnion report, along with helpful advice to improve it. This is an excellent feature to have when you're working to build your credit.
Best for Buying Gas and Going Out to Eat
Discover it® Chrome for Students
For People with
No Credit
- Annual Fee: $0
- Interest Rate: 15.24%–24.24% Variable
Quick Card Facts
- Cashback Match: Double all the cash back you've earned at the end of your first year automatically.
- 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter, then 1%.
- Free FICO® Credit Score on statements, online & by mobile app.
- 100% U.S.-based service.
- No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment and paying late won't raise your APR.
- Each Discover purchase is monitored for fraud, and you're never responsible for unauthorized purchases on your Discover card.
The Discover it® Chrome for Students (Review) is a solid choice if you spend a lot on gas or at restaurants — or both.
Cardholders get:
- 2% cash back on the first $1,000 spent each quarter at
- gas stations
- restaurants
- 1% cash back on all other purchases
- Cashback Match: new cardmembers get double the cash back earned in the first year
- Good Grades Reward: Get a $20 reward for every year that you get a GPA of 3.0 or above, up to five years
For no annual fee, this card provides a simple way to earn rewards in these two bonus categories. In your first year you'll be getting 4% back in them, along with 2% back for non-category purchases. Those rewards can be redeemed for statement credits, which is the easiest way, but also for gift cards at popular retailers.
That's a big deal for student cards like these, because you're meant to eventually move on from them once your credit improves and you can qualify for better cards. So even though you might not use this card for very long after you get out of college, you'll still get a great deal in that first year.
You can use the Credit Scorecard to monitor your credit, specifically your FICO 8 Credit Score from your TransUnion credit report. If you're new to credit and still learning how to improve it reliably, this can be a very valuable tool.
The Discover it Chrome for Students has an introductory purchase APR of 0% for 6 months. This is useful when making large purchases, giving you time to pay them off at zero interest. Don't forget to make minimum payments during this period, however. And when your intro period runs out, we always recommend paying your balance in full each billing period.
Best for Long 0% Intro Period
Bank of America Cash Rewards™ Credit Card for Students
For People with
No Credit
- Annual Fee: $0
- Interest Rate: 15.49%–25.49% Variable
Quick Card Facts
- $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
- New Offer: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
- Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
- You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
- No changing categories and no expiration on rewards
- 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 15.49%–25.49% Variable APR. 3% fee (min $10) applies to balance transfers.
- Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
- If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%. Click "Apply Now" to learn more about Preferred Rewards.
- Now with chip technology for enhanced security and protection at chip-enabled terminals
- No annual fee
The Bank of America Cash Rewards™ for Students Card (Review) has the longest 0% intro APR we've found on a student card, at 12 months. This applies to both purchases and balance transfers, making it one of the few good balance transfer offers marketed to students.
There's no annual fee, so you won't have to pay for the convenience of that intro rate. And there's a decent rewards program too:
- 3% cash back in one category of your choice:
- Gas
- Online shopping
- Dining
- Travel
- Drugstores
- Home improvement/furnishings stores
- 2% cash back at:
- Grocery stores
- Wholesale clubs
- 1% cash back on all other purchases
- Signup bonus: $150 cash rewards bonus after spending $500 in the first 90 days after account opening
- Redemption bonus: 10%+ bonus for redeeming cash back into a Bank of America checking or savings account
Not all students buy a lot of gas and groceries, but if you do it could make sense to have a credit card specifically for those purchases. You can also choose the valuable online shopping and dining categories to earn 3% in, if you spend more in those categories. This card is flexible, in addition to the long intro rate you'll get. And there's a nice signup bonus too.
If you're already a Bank of America bank account holder you have an extra incentive to apply for this card. That 10% bonus means you'd be getting 3.3%, 2.2%, and 1.1% cash back for those purchases.
Cardholders will have access to their FICO 8 Credit Score, based on their TransUnion credit report. This is a pretty common feature, and it's the same as the two cards above. For anyone who's new to the world of credit, like most students, this is a great benefit to explore because it can teach you a lot about how credit works.
Best for International Students or No Credit History
Deserve Edu Mastercard
For People with
No Credit
- Annual Fee: $0
- Interest Rate: 20.99% Variable
Quick Card Facts
- No SSN required for International students. Available to students (enrollment verification is required)
- Amazon Prime Student Membership (get reimbursed for subscription fees up to a lifetime total of $59)
- 1% unlimited cash back on all purchases
- Credit limits up to $5,000
- $0 annual fee & no foreign transaction fees
- No security deposit or co-signer required
- Helps students build credit history and gain financial independence
- Use anywhere in the world where Mastercard is accepted
- Includes Mastercard Platinum Benefits like Car Rental Collision Damage Waiver, Roadside Assistance, Travel Assistance Services, Price Protection, Extended Warranty and ID Theft Protection
- Complimentary cellphone insurance up to $600
The Deserve Edu Mastercard (Review) is easier to get for international students because it doesn't require a SSN to apply.
It also doesn't require a traditional credit history, and will check more than the typical factors when you apply. Beyond just your credit and current financial status, Deserve will also check your education level and future earning prospects when making their decision.
This gives more people a better chance of being approved. If you're just entering the world of credit and have no credit history at all, you'll find it difficult to qualify for that first credit card or loan. Deserve knows that, so they designed a product to help people get out of that situation and build a good credit profile.
In addition to getting a foot in the credit door, cardholders also get some modest rewards and benefits:
- 1% cash back on all purchases
- One free year of Amazon Prime Student membership
This card isn't very rewarding, but the main point of using it is to build up your credit. The Amazon Prime Student membership is a nice feature, however. It typically costs $59 per year, and has the potential to save you a lot of money in free shipping and discounts, if you use it a lot.
The Deserve Edu doesn't offer access to any of your credit scores. But you can still use Discover's Credit Scorecard, even if you're not a Discover cardholder.
If you're a student without an established credit history, this card might be one of the best ways to start building a record of positive activity.
Runners Up
Most credit card issuers offer a card or two designed for college students, although not all. American Express does not currently offer any student cards, and neither does Chase.
The following cards aren't necessarily the very best. But they may be right for you if you can't get approved for any of the cards above. In some cases they may offer something that the others don't, like a particular reward category or a credit limit increase.
- 2X points at supermarkets and gas stations, up to $6,000 per year (then 1X)
- 2,500 bonus points for spending $500 in the first 3 months
- All purchases round up to the nearest 10 points
- 10% of your points back for the first 100,000 points redeemed
- 0% intro APR for 7 months, then 16.74%–26.74% Variable
- No annual fee
- 1.25% cash back for on-time payments
- Higher credit line after 5 on-time payments
- No annual fee
- 3% cash back on gas, grocery, and drugstore purchases for 6 months
- 0% intro APR for 6 months
- Not a student card but accessible for students with some established credit history
- No annual fee
- 3% cash back on travel and entertainment
Why Building Credit Is Important for Students
Credit history can have a big impact on your future. Your credit history is important for getting credit cards and loans, but can also influence things like renting an apartment, getting insurance or even getting a job.
As you start out your credit-building journey, you could go one of three ways:
- Make credit mistakes: With no credit history established and little-to-no understanding of how credit works, it's easy to rack up debt or do major damage to your credit history that can last for years. For example, let's say you apply for a store credit card. Maybe you don't understand how paying the bill works, and end up spending up to the credit limit on that card. Then you only pay the minimum due, which costs you a lot of money in interest. Then, you pay two months late, resulting in a negative item on your credit reports that will last 7 years. Frustrated, you pay off the card and close it, ending the life of an account that could have been your key to a long average account age. Now, several years later, you want to rent an apartment. But no landlords will rent to you because of your poor credit history. People make these types of mistakes every day, but if you arm yourself with the knowledge of how credit works you don't have to end up like them.
- Avoid credit completely: It might be appealing to avoid credit cards. You might pay cash or use your debit card for everything. Maybe you even think when you choose "credit" for a debit card purchase that you're building credit (you're not). For some people who can't control their spending it might make sense to avoid credit cards, but time is valuable in your credit history. If you later decide you want to build credit, you've missed out on years you could have been building up your credit history.
- Build credit responsibly: You learn how credit reports and credit scores work, and how credit cards or other types of loans impact your credit. You know that building credit doesn't have to cost you any money at all, and that it's possible to build credit without being in debt. You use this information to start building a positive credit history now. This puts you in great shape for the future and ahead of your peers who, possibly unknowingly, took path #1 or #2.
Ready to get started?
It's not hard to get started down path #3. If you're a student, you may already have student loans. As long as you're paying those on time you're likely already building positive credit history. But there's more to it than just paying bills on time.
Start Here: The Definitive Guide to Building Credit with Credit Cards
We've put together this comprehensive guide that covers how to build credit, and specifically how credit cards help you do that. Once you read the guide, please email us with any questions you have and someone from the team will get back to you right away.
What Are Student Credit Cards?
Student cards are special credit card products that are usually only available to students enrolled in college or university. They're designed for people with little to no credit history, which is common among college students who haven't had many opportunities to establish credit yet.
Don't assume that you need to get a student credit card just because you are a student — it is possible to get other cards with little or no credit, like secured credit cards. But you also may be able to get a the best cash back credit cards or travel credit cards, especially if you have established some credit already.
What Makes a Great Student Card?
The best credit cards for students will build credit while costing you nothing, and actually saving you money through rewards and extra benefits. Here are some things to consider:
- Annual fee: If you're new to credit cards, you'll probably want to start with a card that doesn't have an annual fee. Sometimes, paying an annual fee can be worth it to get extra benefits. But when you're just getting started you can stick to the basics and find a card that won't cost you anything just to have. Luckily, student credit cards don't usually have an annual fee.
- Rewards program: Some student credit cards earn rewards, and credit card rewards programs vary. For example, some cards provide a flat cash back rate, like 1%, on all purchases. Other cards give more rewards in certain categories, like 3% cash back at gas stations, as the BankAmericard Cash Rewards for Students does. Sometimes, the categories that earn more rewards rotate, like with the Discover it. Consider what categories you spend the most money in to determine what card would allow you to maximize rewards. If you can't get approved for the most rewarding card, however, it's not a huge deal because you can still build credit with any card. Then you can apply for a more rewarding card in the future.
- Extra benefits: Many credit cards come with extra benefits, like extended warranties on purchases. These are usually pretty similar from one card to the next, so it might not factor into your decision of what card to apply for. But you should still look over the benefits of any card you're considering so you can figure out how to make the most of it.
- Free credit monitoring service: Many credit card issuers today offer a free credit monitoring tool, which is very useful for anyone working to build up their credit. This will typically be a FICO 8 Credit Score, but sometimes a VantageScore 3.0. In either case you can monitor that score and learn how to improve your credit over time.
- Interest rate: NOT! We recommend you pay your balance in full every month. If you do that the interest rate doesn't matter, since most credit cards provide a grace period and won't charge any interest as long as you pay in full. Many people consider interest rates when shopping around for credit cards, but that assumes you'll be carrying a balance for a long period of time. There are other factors to consider before the interest rate if you're not going to carry a balance. Sometimes emergencies happen and you might have to carry a balance, but in that case you should be paying it off aggressively, to get back to being interest-free.
- Ability to study abroad: Traveling outside the country to further your education and broaden your horizons? Use a credit card with no foreign transaction fees so you won't be charged extra for every purchase. Some cards charge a fee of up to 3%, and that's a cost you don't need to pay if you have the right card.
When you start your search for a student credit card, or really any credit card, you might think all the different options seem similar. It's not just you — the credit card business is very competitive, so companies are always trying to catch up with or out-do one another in their credit card offerings.
When you're just starting out, make sure you understand the basics of how credit cards and building credit work. That's the same for pretty much every credit card. Then, look through your options and make a decision about a card that seems like a good fit for you. If you don't get approved for you first choice, you could try for your second choice, or explore other options for your first card. It's also a good idea to check to see if you're pre-qualified for any cards already.
The Biggest Credit Mistakes That Students Make
Here are a few common mistakes students make with credit cards. If you've read our guide to building credit with credit cards, you'll understand why all of these are big mistakes. If you haven't, go read the guide now!
Getting Credit Cards Without Understanding How They Work
While there is some mystery around the credit approval and credit scoring process, there is nothing mysterious about using credit cards responsibly (check out our guide to responsible credit use here).
Credit cards are deceptively easy to get and to use, but they are serious financial tools that will affect your life. There is no licensing process that requires you to pass a test proving you are knowledgeable enough to use a card; it's up to you to inform yourself about the benefits and hazards of credit cards.
Carrying Debt
According to a survey by Fidelity, 25% of students who graduated in 2013 carried credit card debt with them, at an average of $3,000 per graduate. This is very high, especially considering that most students (70%) who graduated that year also left with student loan debt, at an average of over $35,000.
Carrying high balances on your credit cards doesn't just cost you money. If your balance is high relative to your credit limits, that can have a strong short-term negative impact on your credit scores.
We recommend paying off your new credit card balance in full each month by the due date. If you need help understanding how credit card bills work and how much you should pay, see read this guide. You should always consider a credit card purchase as being made with your own money that you have in your possession right now, which leads to the next mistake.
Buying Things They Can't Afford
Credit cards can increase impulse spending, giving some people the urge to spend money they don't have. That's exactly what a revolving credit limit allows someone to do.
The first way to combat this tendency is to be aware of it. Next, think of your credit card as being intimately linked to your bank account: do you have enough money in your bank account right now to pay for this purchase you're considering?
You may even consider paying your bill every week, which is fine with most credit card issuers. You'll be able to keep any eye on how much you're spending week-to-week compared to how much cash you have available to pay your bill, so you can make spending adjustments for the next month, if necessary. You may not build credit as quickly if you pay off your balance in full before the statement is generated, though.
Paying Only the Minimum Payments
Every month you'll get a statement from your credit card issuer detailing the previous month's activity. The statement will show you the full amount you owe (statement balance) as well as a "minimum payment" or "minimum due" amount, which is usually rather small, around 1-5% of what you owe.
It's a mistake to think that you can pay just the minimum amount each month and be worry-free. Your bank will likely be very happy if you only pay the minimum, though, because you'll be paying them a lot of extra money in interest.
The bank is not on your side with the minimum monthly payment calculation. That number is not the bank telling you how much you should pay. It's only the minimum amount they're willing to accept to keep your account in good standing. The remaining balance will accrue interest each month with most credit cards, which will end up costing you a lot of extra money in the long run.
Cosigning for Students
Although there are student credit cards available, you may be approached by your child to be a cosigner
Should you do it? Take the following points into consideration before signing on the dotted line.
The Debt Will Be Your Responsibility
The biggest mistake you can make is to assume that you're just helping your child acquire a credit card. By cosigning, you are assuming responsibility for the debt too. If the student stops paying, you will have to fork over the money. Are you willing and able to do that? Think long and hard about it before proceeding.
Your Child's Activity Could Negatively Impact Your Credit
A single late or missed payment can have disastrous results when it comes to your credit rating. If your child isn't responsible with her card, her credit won't just be affected; yours will too. When you cosign for a student credit card, you are exposing yourself to some serious financial risk.
Is Your Child Really Ready?
You know your child better than anyone. Is she really ready for the responsibility that goes along with an unsecured credit card? Just because she's a college student now doesn't mean that she will magically be responsible. Is your child responsible in other areas of her life, or does she let things slide?
You Have to Be Involved
If you're going to cosign for a student credit card, you have to be willing to take an active role in the situation. As long as you approach the matter as a way to teach your child how to use credit cards responsibility, it could end up being a good thing. For that to happen though, you need to be willing to monitor the situation and teach your child how to use her credit card responsibly.
Tips for Using Student Credit Cards
Before cosigning for your child's credit card, help her find the best one. It should have a low credit limit. If possible, find a card that has a low introductory rate and no annual fee. Arrange to have the statements sent to your home, or use an online account to monitor your child's activity. If things don't go well, you can always have the account closed.
Alternative Options
There are other ways to help your child build a strong credit history. Instead of jumping right in and cosigning for a credit card, you could help your child get a secured credit card instead. Over time, she will build up her own credit. Upon turning 21, she will be able to get an unsecured credit card of her own, and she won't need a cosigner at all.
Laws in Place to Protect Students from Predatory Marketing
If you're under 21, there are laws that may make it more difficult for you to get a credit card. The Credit Card Accountability Responsibility and Disclosure Act of 2009 (informally referred to as the "CARD Act") helps protect students and consumers under the age of 21 from fraud.
Credit card issuers must now:
Obtain proof of income before issuing a credit card to consumers under 21 years of age. If you don't have an income, a credit card co-signer is required in order for the application to be approved. If you're looking to get a credit card without a co-signer and you're under 21, one option is to simply get a job so you can have your own proof of income. Another option is to become an authorized user on someone else's credit card, which can help you build credit using an existing credit card account so you don't have to apply on your own or provide proof of income.
Obtain prior consent before sending pre-approved credit card offers to anyone under the age of 21.
Obtain written permission to increase credit limits on accounts with co-signers for accountholders under the age of 21.
Cease all predatory lending practices and aggressive marketing tactics on or near college campuses.
If you're looking to get a card, see our guide to building credit with credit cards to explore some options for your first credit card.


text:
What are the common herbal medicines in IBS? Are they effective and safe?
Dr. Drossman There are no scientifically established types of herbal medicines to treat IBS, though there may be many products available commercially. The use of herbal remedies is within the category of complementary or alternative medicine and can be used as long as they are not harmful, most often in addition to traditional treatments in western society. Many years ago there was a study that showed greater benefit for individuals who had herbals selectively chosen by the herbalist. However 10 years later it is still not clear whether there are standard herbal treatments for this condition.2007-12-07 07:27:53
Go back to the list of questions
Santizair, Inc. All rights reserved.
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text: The AACR Cancer Progress Report 2013 celebrates the many ways that we continue to make research count for patients, with a special feature on immunotherapy. The progress we have made is due to the dedicated work of researchers throughout the biomedical research enterprise; however, continued progress is in peril because of a decade of effectively shrinking budgets for the National Institutes of Health (NIH), and a $1.6 billion dollar NIH budget cut in March 2013 as a result of sequestration. To realize the day when cancer is removed as a major threat to our nation?s citizens and to future generations, Congress, the administration, and the general public must stand firm in their commitment to the conquest of cancer.


text:
It's Halloween weekend and if you're in the mood for a good scare or brew (not one from a witch), you're in luck!
All Weekend
Friday, Saturday & Sunday | Haunting at Historic Greenbrier Farms | Greenbrier Farms
This is a full-fright experience with all levels of horror, beginning with a guided walking haunted tour of the 100-year-old farmhouse.
Click here for ticket information
Friday & Saturday | Halloween Burlesque Double Feature | O'Connor Brewing Co.
Come see snake dancing Vampires, a spell cast right before your very eyes & catch a slasher or two doing their work on Friday.
Click here for ticket information
Friday, Saturday & Sunday | The 666 Project: A Horror Anthology Show | The Push Comedy Theater
Six writers, six directors and six actors to bring you six rib-tickling, tales of terror.
Click here for ticket information
Virginia Beach
Saturday & Sunday | Great Pup-Kin Wasserhund | Wasserhund Brewing Company
It's the Great Pup-Kin Wasserhund! This family & four-legged friendly Fall Festival will take place on the Wasserhund patio & parking lot.
Saturday & Sunday | PlayDate Hampton Roads Ghoulish Game Night | Virginia Beach Field House
Join 95.7 R&B for the hottest Halloween party in Hampton Roads with drinks, food, games and much more.
Click here for ticket information.
5 p.m. | Food Truck Rodeo – Brandon Bower Band & DJ Kudlz | The St. George Brewing Company
Friday Night Food Truck Rodeo at The St. George Brewing Company with music provided by Brandon Bower Band & DJ Kudlz.
6 p.m. | 2nd Annual BOOzlefest | The Oozlefinch Craft Brewery
Music from Boozlefest Bash with Nathan Lienard starting at 7pm. Devilishly good eats from Peninsula Food Truck and Sinful Treats.
6:30 | Hampton Horror Tours | Hampton History Museum
Stories and figures from the city's dark side come to life for the season of spooks and frights.
8 p.m. | Tony Danza: Standards and Stories | The American Theatre
Danza, accompanied by his four-piece band, will perform some of his favorite songs while interweaving stories about his life and personal connection to music.
Newport News
8:30 | A Night of Killer Comedy with Laughin Lenny and Alex Scott | Downing-Gross Cultural Arts Center
Join us this Halloween weekend for gut-busting jokes from Laughin Lenny and Alex Scott.
10 p.m. | The Pushers Halloween Spooktacular | The Push Comedy Theater
The Pushers gang has written a freaky and frightening new show, chock full of their trademarked racy and raucous humor.
Click here for ticket information
3 p.m. | Beer Release: Pecan Porter | O'Connor Brewing Co.
The Winter Pecan Porter is a traditional English-style Porter infused with Toasted Pecans.
4:30 p.m. | My Ladies Night – Beer Release | O'Connor Brewing Co.
And in honor of Our Lady, we'll be offering a special discount to you ladies on My Lady.
5 p.m. | Free Tasting Friday: Bubbles | Mermaid Winery
This feature event will take place at their tasting bar and feature a tasty selection of sparkling wines!
7 p.m. | Norfolk Admirals vs. South Carolina Stingrays | SevenVenues
Come see the game.
Click here for ticket information.
9 p.m. | SHAKE x SKATE Supply x OBC present: Tales from the Grip | O'Connor Brewing Co.
Highlighting the similarities between the skate culture and the urban street culture and how they influence each other, this event brings together the best of both worlds all under one roof!
Virginia Beach
5 p.m. | BEER Release > Coconut Chocolate Stout | Back Bay Brewing Co.
This time, we're giving you a little sneak peek of what we'll be serving up at Halloween Harvest Festival! be releasing our coconut chocolate stout, a little fall-inspired twist on this summertime favorite!
6 p.m. | Karen Jones | Brass Cannon Brewing
Born and raised in the heart of Fredericksburg, Virginia, Karen Jonas is a singer and writer of music made outside the machine.
7 p.m. | Nightmare at Big Ugly Brewing | Big Ugly Brewing Company
Halloween-inspired drafts will be served alongside pumpkin carving and a costume contest.
6 p.m. | Crabtown Cruises Adult-Friendly Halloween Party |Hampton Maritime Center
Join Crabtown Cruises for their last cruise of the season! This event will feature a costume contest, live entertainment, full cash bar and a steamed seafood dinner.
Click here for ticket information
Newport News
5:30 p.m. | Haunted Boo-ery | Tradition Brewing Company
Calling all goblins, ghosts and freaks of the night! This event will feature The Deloreans 80's Band and a costume contest.
Click here for ticket information
12 p.m. | Trial of Dmitri Release Partay | Benchtop Brewing Company
This blood-red batch of beer will go perfect with their Halloween bash. The party will feature trick or treat specials, a costume contest and 90's music all night long.
12 p.m. | Norfolk Breweries Trick or Treat | The Bold Mariner Brewing Company
Stop by one of the five participating Norfolk Breweries and say "Trick or Treat" to the Beertender to receive a 5 oz taster of a select beer or a free sticker.
4 p.m. | 5th Annual CHAS Foundation Celebration | O'Connor Brewing Co.
Food, wine, live music and beer will be featured at this event. All proceeds will benefit Children's Hospital of the King's Daughter's Behavioral Health Program.
Click here for ticket information
8 p.m. | Halloween Wine and Costume Party | Mermaid Winery
Best costume of the night wins a bottle of wine! Entry is free for those in a costume.
$10 (if you're not in costume)
9 p.m. | Wicked Waterside 2017 | Waterside District
Enjoy five wicked parties under one roof, and Hampton Roads Biggest Costume Party featuring $10,000 in cash and prizes.
Virginia Beach
10 a.m. | Reaver Beach Anniversary | Reaver Beach Brewing Co.
Help Celebrate their First sponsor, and the oldest brewery in Va Beach's 7th anniversary with a 28 mile ride and beverages after.
12 p.m. | 3rd Anniversary Fest | Pleasure House Brewing
They're celebrating their third anniversary with deals on brews and food! Guests in costume will receive special discounts.
1 p.m. | All Hallows Eve – Macabre Dance Party | Commonwealth Brewing Company
Specialty beer and cask releases, a whole hog roast by 412Q BBQ at noon, horror flicks on loop, DJ PWill beats and a costume competition! Kids and pets are welcome before 8 p.m.
2 p.m. | Halloween Harvest Festival | Back Bay Brewing
Beer, music, food and more! There will be two food trucks on site, a costume contest and multiple golden beverages to quench your thirst.
Click here for ticket information
10 a.m. | Peace n' Pints Yoga – Oct | Smartmouth Beer
Join us for a free one-hour yoga class at Smartmouth Brewing Co. with Danielle Collinsworth, owner of Norfolk's newest yoga studio Sky's the Limit Yoga Co. for an all level flow.
FREE | Click here to register.
1 p.m. | Tasting in the Dark | O'Connor Brewing Co.
Come join your friends from the Hampton Roads chapter of the Foundation Fighting Blindness for a unique perspective on the sensation of taste without sight!
Click here for ticket information
Virginia Beach
11 a.m. | Tilt-Up Your Downward Dog | Wasserhurd Brewing Company
In celebration of Virginia Beach Friends School's being Wasserhund's October Charity of the Month*, you are invited to a FREE yoga class with Laurie Terry on a first come first serve basis.
2 p.m. | SIN Sunday + Football | Back Bay Brewing
Enjoy a day of brews and ball watching the game on their huge projector! All service industry, military or veterans and first responders get 15 percent off all day.
6 p.m. | Halloween Beer Dinner at the Brewery | Brass Cannon Brewery
Brass Cannon Brewing and Hungry Hungry Arrow team up to deliver a culinary and brewonary (that's a word, right?) experience.
Looking for something a little more family-friendly? Then you'll want to check out this guide of festive weekend events.


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Last Friday, the Father Daughter Dance was held at the River Center. It was a much more formal affair than the Mother Son Superhero Dance a few weeks earlier, but that didn't mean the attendees didn't let loose and enjoy themselves.
About 350 Fathers and Daughters showed up and once again the Parks Department had spiffed up the River Center for the occasion. DJ Jelly Bean was doing his thing and did a really nice job of mixing fun, let if fly, songs with some slow ones to allow the Fathers to share a few fleeting tender moments with their little girls.
I have to say that in the beginning, the dads were much more reserved than the moms were. I also have to say that after the first dance contest, they got over it.
On the video, you'll see a lot of dads dancing. Some dance very well. Some, I'm sorry to say, dance like me. Of course it doesn't matter one bit how they danced, it only matters that they did. They made sure their daughters had a good time.
I really enjoyed both of these events. They made me feel good. If you watched the Super Bowl yesterday, a couple of the better commercials reminded us that the world we live in is a pretty cool place most of the time. These dances give you the same feeling, but it's stronger because it's live, right there in front of your face, and it's local.
If you didn't make it to either dance this year, please try to next year. They are wonderful bonding events that just happen to be loads of fun.
Here's the video.


text:
|My first SIM31 QSO.
I am active on all HF bands on CW, SSB and digital modes. I like DX contacts, chatting, contesting, antenna building. I speak Finnish, Swedish and English. Also I am a computer geek since about 1983.
Wednesday, 17 July 2013
New digimode: SIM31!
A new digimode was announced and I found it immediately interesting. Very efficient coding and as an option: automatic PSK QSOs! Here is the SIM31 homepage. For some reason it feels like magic, when I see me doing a full QSO by just looking at the rig and the screen :)
Lähettänyt Sauli Karhu klo 13:52
Tunnisteet: Digital modes, QSO
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