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Kybella, Nonsurgical Double Chin Removal, on Long Island, NY
NuFaceGlow February 10, 2020
Kybella is a nonsurgical injectable technique used to target the fat beneath the chin.
About the treatment
We all have naturally occurring deoxycholic acid in your body. This chemical is responsible for breaking down, absorbing, and flushing away dietary fat. Kybella contains a synthetic form of deoxycholic acid.
When injected into targeted fat cells under your skin, Kybella instantly goes to work and starts destroying those fatty pockets. It takes time, but the fat cells Kybella breaks down are gone — for good — unless you gain weight in the future.
How quickly your body responds to Kybella depends on your own system and how much fat you have to lose under your chin. You should start noticing a gradual improvement in your profile and a more toned jawline in as quickly as 3-4 weeks.
You're going to continue experiencing benefits week after week throughout your entire treatment plan, which can take up to six months. Kybella can lead to some stinging just because you're getting injections - the needle is very thin though. For minimal fatty buildup under your chin, you may only need a single Kybella treatment. If you have more of a sagging double chin though, you could need up to six Kybella sessions, each spaced at least one month apart. Each Kybella session at NuFaceGlow includes multiple injection sites along your chin and jawline. The entire process usually takes less than 20 minutes.
- Area: chin
- Number of treatments: 2-4 to see effects
- Treatment duration: +/-20 minutes
- Type: a nonsurgical procedure
- Indications: Double chin
- Visible effect: after 3-4 weeks
- Form: Injections
- Treatment plan: up to six months
When calling this company, please reference POLISH AMERICAN PAGES.
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The Game Awards 2019 Livestream
- Watch The Game Awards 2019 for new game announcements, award winners, special guests, and more news for PS4, Xbox One, Nintendo Switch, and PC.
Comments • 80
- Buzz007 16 hours ago
Kind of disappointed that RE2 didn't win anything.
- いいジャン 3 days ago
- Steven Ming 8 days ago
1:39:07 linus tech and his big ass monitor
- Rocher 9 days ago
Orchestra smash theme is freaking beautyful
- Thanh phuong Nguyen 13 days ago
mr kojima
- A0D0D7Y 15 days ago
Disappointed at orchestra for not playing Japanese music at Sekiro's screentime.
- TheRedX 21 day ago
Control doesnt even work and its nominated for everything lol
- watshisname Month ago
- ThomasEyeThink Month ago
there's one problem that i have with this
the winner of GOTY
it didn't deserve to be Sekiro
it deserved to be SUPA' MARIO BROTHERS 2 BAYBEEEEEEE!
- Alex R. Month ago
Nintendo: Hello, you've reached the house of unrecognized talent.
- Triple Grizz Month ago
Green day should have done boule of broken Dreams
- Phillip Witt 2 months ago
That translator translating dude's final "thank you" was classic.
- Cosmopavone 2 months ago
the Viggo guy was so eurovision...
- Wudux 66 2 months ago
Dimash singin better
- Wudux 66 2 months ago
Public not fun. More much fans it! People watch it every country!
- Rotcrawler 2 months ago
What a joke rofl x'D That was all scuffed af.
Except Ikumi, she's the perfect cinnamon roll.
- Nichlas Lütke-Harmölle 2 months ago
Just wait for Cyberpunk winning everything next year...
- Abdullah Ahmed 2 months ago
I personally feel that the judgment was unfair cause GOW had a 6 month head start and more people were able to finish and have more time with the game and RDR2 coming out 6 months later had a late start and being a open world game with so much to do and feel and explore, most people didn't even finish it by the time the awards came out. 😢😩😤 🤠
- roodoo 2 months ago
Nobody cheered for gears 5 lmao
- Dark Prince 2 months ago
I just watched historian channel now i want to see no man sky winning
- Aksal Cahjarjo 2 months ago
Wait a minute doa 6 ? Are u sure man 😅
- K0-R3X-101 2 months ago
Apex beat modern warfare 2 times
- Yobill Lin 2 months ago +1
Kojima received 3 game awards for his new company for Death Stranding, amazing achievements....not easy for him to build new studio games, recruite the right staff and create new games like that, you gotta respect that...and finally HIdetaka Miyazaki received his Game of the Yeat awards with Sekiro shadow die twice, he deserved it after fail twice for Bloodborne and Dark Souls 3
- Mickey Arechiga 2 months ago +1
1:25:35 Nintendo Switch Has Games
- {•̃_•̃}メ 2 months ago
Pfffooouuuuu bla-bla-bla blabla bla bla-bla bla-bla-bla pfouuuu bla-bla-bla wtf
- YtFRISTGAMING ,!? 2 months ago
I watched this cause of vin diesel he's my fav make that thumps blue if u do to :)
- emptynaem 2 months ago
linus, youre too close to the tv
- Jiame 284 2 months ago
Sin muzska esto ya no es lo mismo
- Cris Tyson 2 months ago +4
- GTO Plays 2 months ago
I swear on god if fortnite won Community support award
- Dark Side 2 months ago
please never do it agan shitiest fake shitstorm i ve ever seen in my life and they give an award to destiny 2 LMAOOO and HACKEX LEGENDS :D the game literally is hack heaven get a best online game award ??? really why it should be a BR game ? there plenty of good genre's here which doing well and have bigger community ? i mean you don't know what are you doing ! you don't know what is this ! so JUST STOP IT !
- Liya Lila 2 months ago
Fuck too
- a banana 2 months ago +1
I'm sorry, I've never heard the game that was game of the year...
- Mini Van Dan 2 months ago
Bro Tbh I'm kinda disappointed they didn't hype Amazon's game at all. It actually looks pretty sick I know they didn't show much. But for being their first game ever and now another industry they have jumped into. You think they would've hyped it a little more but they like legit almost ignored it all together.
- Nimra Allamehzadeh 2 months ago
I am so happy fifa 20 didn't get an award, I fucking hate that game, not only is it almost always the same but also is it so fucking py2win. I would understand that BUT NOT IF IT'S A GAME YOU GET FOR 70 BUCKS. I know people will hate on me cuz of my opinion but fifa is a bullshit game
- Nimra Allamehzadeh 2 months ago
Am I the only one who never heard of sekiro
- Blyat with striped adidas 2 months ago
Contodol! YAYYYYYYY!
- DANIEL RAIN 2 months ago
Rigged Game Awards by casuals fake videogames experts.
- CowCat 2 months ago
the audience looks so dead
- The Canadian Guy 2 months ago
lol the nintendo shenanigans are MAYD
- Patrick MacCarthy 2 months ago
og please
- Cryptic_ Esp 3 months ago
1:10:45 i found ninja!?
- Ruchiyoto 3 months ago
Final Fantasy VII Remake! I can't wait for it to be released! I'm so glad I got a PS4 this year.
- Ya like jazz 3 months ago
1:38:50 Linus Samsung advertisement.
- ザエツウラジスラフ 3 months ago
Why not Death Stranding is da best? ..
- pantera forever 3 months ago +1
- Chi Wai Tran 3 months ago
all these mfers in suits and "elegant" dresses. Even forced our boy Linus to wear a suit. Can any of them beat the tutorial of Cuphead?
@1:44:10 Ikumi Nakamura is alright
- The Baby Eating Bishop Of Bath And Wells. 3 months ago
Well I missed the live stream. But damn the salty man-children crying about smash was glorious 😛 lick those salty tears.
- Sakis Zafeiriou 3 months ago
Wow who was that blonde guy that sang on the control music amazing voice
- Social Suicide 3 months ago
- Zack 3 months ago
- KingOfDaStereo 3 months ago
Sekiro didn't deserve game of the year...of anything out of those choices it should have been Resident Evil 2. So stupid
- Candy Rhodes 3 months ago
Some time they say a name of something that I never heard of till then and I'm like huh never heard of that then everyone in the crowd just goes bat sh*t crazy
- Jeffery Thunder 3 months ago
1:44:23 She's speaking God language.
- Jeffery Thunder 3 months ago
1:23:43 Straight up racist feminist group. "Tired of playing games that man are a superhero and they're always white men" are you kidding me? Literally every single video game has female characters and other races. I doubt they've never played decent games.
- 707 variedade 3 months ago
Control ?
- Necsescu Mihai 3 months ago
*And the game award for having no social skills goes to* 3:43:44
- Emirt37 3 months ago
All of the game in here might be temporary,But DOOM is ETERNAL
- Pravesh Alva 3 months ago
So happy the only game I played this year "Sekiro" won GOTY!!
- nicko! 3 months ago
I was waiting for Sally Face. :-(
- judy bacchus-joseph 3 months ago +1
2:37:40 let's go apex
- Pure Vessel 3 months ago
Take a shot of whiskey every time you hear "game"
- Shaggy Gaming 3 months ago
Game Awards Orchestra was little off this year compared to previous ones.Probably they wanted Super Smash Bros to win?
- ELementalGaming [EMG] 3 months ago +1
Terrible lapse of judgement, Resident Evil 2 Remake should have at least won something
- Narmodi 3 months ago
Thank you sooo so so much for the Part with the Muppets and the Goose =D
- Usman Tariq 3 months ago +1
1:34:52 When did they talk about PlayStation?
- Meta Knightmare 3 months ago
This is the first time I've seen the best fighting game award go to a game that DOESN'T have blood XD
- Mohamed Elhawy 3 months ago
Games :D
- Arthur Fleck 3 months ago
Can't wait until next years game awards . Last of us 2 will win goty I think
- Михаил Кычанов 3 months ago
это было круто
- Pokégirl 17 3 months ago
53:53 anybody know how to download that song? I really wanna download that song it's epic
- Katy Walther 3 months ago
yeeeessss reggie
- Katy Walther 3 months ago
What is this
- Ridwan Umar 3 months ago
It was amazing... congratulations to FROMSOFTWARE/SEKIRO. I might get one and join the difficult world of the shinobi.
- Camaileon 3 months ago
- Vortex Z 3 months ago

subset: commoncrawl


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Tomorrow (3rd of October, 16h, Sala d'actes, edifice LEAR, Aulari Comú) will take place the Autumn edition of the IQCC Forum, a quarterly meeting-place where high-quality science will be discussed. The IQCC Forum gives the opportunity for PhD and postdoc members of the IQCC to present their work to a wide audience. This will lead
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STARS - DECORATIVE ROLLING PIN ø41,5 X400 MM
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The Decorative rolling pin stars is perfect to decorate in a practical and fast way Sugar Paste, marshmallow fondant, marzipan and Chocolate Paste decorations. Size: Ø 42,5 x 400 mm.
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The Villa Casa das Mouras origin dates back to the 17th Century. It has undergone several adjustments and it has been rebuilt to the modern comfort combining it´s noble character and history present in details, materials and features with modern equipment and furniture. The first level features the social areas, the bedrooms, kitchen and dining room, a library and private chapel that on request can be visited. The bedrooms have classical decor or modern decor. Outside a covered alfresco eating area faces the garden and decked pool.
Other information
-Change of towels 1 x per week-Change of sheets 1 x per week-Maximum capacity-15 Adults & 2 Children
-The deposit is €350
-Check in and check out Day: Saturday-min. 7 nights stay in July, August and September-Wifi
-Hair dryer
-Pool Towels
Villa Cardona
Villa Cardona is a traditional private Portuguese villa with an exquisite modern touch located within easy access to Vilamoura centre. The villa has Cable TV, Wifi and features Air Conditioning in the lounge and bedrooms. On the ground floor we have the lounge and...See accommodation
Villa Mexico V4
Peacefully located on a residential avenue 3.5kms from the centre of Vilamoura, Villa Mexico looks directly onto the lush green fairway of the 1st hole on Vilamoura's Pinhal golf course. The other magnificent courses in this golfer's haven are within an easy...See accommodation
Casa Corcovada
Located within a short distance from the lively Praia Da Oura and within 2.5 km from the beach, Casa Corcovada has a modern minimalist decor and consists of 3 floors. On the lower floor we have a bathroom with shower and a leisure room with a table, sofa and access...See accommodation
Villa Entrecolinas
Located in the countryside area of Messines, the Villa Entrecolinas is of rustic decoration, is a spacious four bedroom villa, composed of a double en-suite with corner bath, a double ensuite with bath, a bedroom with twin beds, an independent bathroom with bath,...See accommodation
Atlantic Pines V6
In the mid 20th century Sintra beaches area became an exclusive estate season property location and this is Atlantic Pines origin as well. It was bought by the present ownersand then recently undergone reconstruction works that maintained its original features and...See accommodation
Casa Mourisca
Casa Mourisca is within a short drive of Vilamoura centre and marina and within an easy drive of the coastal towns of Olhos D Agua, (5.3kms) and Albufeira (10kms). Both the house and annex are furnished to a high standard throughout, with an attractive modern...See accommodation


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Never have I felt sorrier for cities. Their population densities, their scale, their residents' ingrained gregariousness and their reliance on public transportation combine to create an ideal breeding ground for COVID-19.
Now stay-at-home directives are denying city residents their usual opportunities to enjoy city amenities. And it is becoming increasingly difficult for city dwellers to simply get outside and practice safe distancing in their parks.
Here within the Alleghenies, COVID-19 also is spreading rapidly. While some regional counties remain free of the disease as I write these words, by the time you read them it's a virtual certainty that your county will have confirmed cases.
But stay-at-home directives have a less-oppressive feel for many of us here. Compared to most city dwellers, our homes tend to be more spacious and spaced out. And we easily can access an abundance of parks and trails where we can exercise and relax, where social distancing is no problem at all.
The first Sunday afternoon of Pennsylvania's shut-down was bright and blue, cool but not cold. Since it was too cool for my wife and I to ride our bicycles (we're warm-weather cyclists), we went for a walk instead on the lower section of the Path of the Flood.
Given the beauty of the day and the situation we all face, I was expecting others to be out enjoying the weekend afternoon. But there was only one other vehicle parked in the small trailhead lot.
Early spring is a special time to be out in the woods. Because the landscape is still brown and barren of foliage, it's at its most revealing.
The steep Little Conemaugh River valley was fully visible, and I explained to my wife how the Cambria and Bethlehem steel companies lined the Little Conemaugh's banks with a dumped, whitish waste known as slag that now is being reclaimed for industrial use. We marveled at a shaggy barked hickory tree that had grown 40 feet tall, despite being perched atop a large chunk of bedrock.
Scattered across the steep hillside above us were bright green splashes of moss. Here and there were small patches of little yellow coltsfoot.
As for encountering others, in one spot we were passed by a father and his young son on bicycles; and in another, two men walked past us with their small dogs; that was it. All offered cheery hellos.
As we struggle with the fears and restrictions imposed by the coronavirus, outdoor recreation is becoming vital. The exercise strengthens our immune systems. Nature nurtures our spirits.
If you haven't spent much time on regional trails before, now is the time to try them. Our rail-trails range from the Great Allegheny Passage (GapTrail.org) to the Trans Allegheny Trails (TransAlleghenyTrails.com).
Rail trails are a great way to get started, whether walking or bicycling, because they are smooth, relatively level and accessible for nearly everyone. They also are wide enough to easily maintain the six feet of separation required these days.
If you want to ramp up to hiking more rigorous trails, plug "Forbes State Forest" into your favorite search engine. You'll learn about 250 miles-worth of trails and roads suitable for hiking.
Or try some new trails. Start by going to TrailLink.com to consider your options. Hosted by the Rails-to-Trails Conservancy, TrailLink.com is a robust search engine that provides all of the information you'll need.
Just some reminders, though: We're talking day trips only. Lodging places are closed to travelers. Your after-outing meal will have to be take-out. And you will want to maintain good preventative practices, including social distancing and frequent hand-washing when possible.
But this wealth of outdoor resources will help us to endure the COVID-19 crisis – and it is something we should share with our Pittsburgh neighbors. Allegheny County's parks probably are getting crowded.
We're all in this together. And city dwellers really need the outdoors right now.
(To respond to this column – or read other columns by Dave Hurst – visit www.hurstmediaworks.com.)


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Check out these 15 Romantic Dinner Idea Recipes
What a better way to spend Valentine's Day, a Birthday or any other special holiday with your loved one! Save money and whip up these easy romantic dinner recipes for two at home. These romantic dinner ideas will get your creative mind working!!
Let us know which one you would like to try and make sure to bookmark this page for easy access on those special occasions!!
Seafood Risotto – By- Serena Bakes Simply From Scratch
Stuffed Chicken Breasts – By- The Fit Blog
Miso Salmon Sesame Noodles – By- Living Sweet Moments
Baked Chicken Kiev – By- The Wholesome Yum
Fool Proof Beef Tenderloin – By- Lydia Out Loud
One Pan Parmesan Chicken – By- It's Cheat Day, Everyday
Purple Sweet Potato Gnocchi – By- Strength and Sunshine
Shrimp Scampi – By- Small Town Woman
Bacon Wrapped Apple Stuffed Pork Tenderloin – By- The Cookie Writer
Crab Stuffed Salmon with Lemon Butter Romantic Dinner Idea – By- Wholesome Yum
Skillet Fajitas with Chicken, Sausage, and Rice – By- Spoonful of Flavor
Big Sexy Steaks with Tarragon Mushrooms Romantic Dinner Ideas – By- Healthy Seasonal Recipes
Chianti Braised Short Ribs – By- Lydia Out Loud
Seafood Crepes – By- Loris Culinary Creations
Arugula Pesto Rubbed Grilled Pork Chops – By- Lydia Out Loud
Which romantic dinner recipes for two at home ideas would you like to try first???
Check out more recipes here
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Oliva Notaries
Locate notaries in Oliva, utilizing our convenient interactive map of Oliva and its notary related facility, services and business results for the Oliva area of the Costa Blanca, Alicante, Spain.
Locate a Notary in Oliva Spain
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Laws concerning dating violence in pa
According to Casey's office, a student starting college in the fall of 2015 will receive training and education on primary prevention and awareness of domestic violence, dating violence, sexual assault and stalking, and there must be ongoing prevention efforts.This must include comprehensive, intentional, integrated programming, initiatives, strategies and campaigns intended to end intimate partner violence.The subjects were asked questions about violence in their adolescent relationships, as either victim or perpetrator, and their childhood surrounding twelve different adversities: parental death, parental divorce, long-term separation from parent, parental mental illness, parental substance abuse disorder, parental criminality, inter-parental violence, serious physical illness in childhood, physical abuse, sexual abuse, neglect, and family economic adversity.The results demonstrated a strong positive correlation between ten out of the twelve childhood adversities and physically violent behavior in a teen relationship, with 13.8% responding with experiences of sexual violence, and 11.6% experiencing inter-parental violence.Help is available for free, 24/7 by calling The National Domestic Violence Hotline 1-800-799-7233 or the Safe Helpline 1-877-995-5247.
Age of consent is an issue that cannot be ignored in the discussion of teenage dating violence.
Significant research has been done on the causes behind violent behavior in adolescent dating relationships with the intention of guiding the creation of dating violence prevention programs, and in turn has provided findings on the roles of nature and nurture in the development of such behavior with a strong favor towards nurture factors.
A study published in the Journal of Epidemiology and Community Health examined the potential association between a spectrum of childhood adverse experiences and physical violence in relationships before age 21 for both members.
Prior to the Campus Sa VE Act, there was no explicit requirement for prevention and awareness programming.
The law requires institutions of higher education to develop a clear statement of policy regarding domestic violence, dating violence, sexual assault and stalking, including programs to prevent these tragedies from occurring; provide written information to victims regarding their rights and the resources available to them; and establish clear campus conduct procedures for disciplinary procedures against individuals accused of domestic violence, dating violence, sexual assault or stalking.
Search for laws concerning dating violence in pa:
A new federal law that recently took effect offers college students new protections from domestic violence or sexual assaults on campus. Robert Casey (D-Pa.), the legislation's co-author, told the Norristown Times-Herald.


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Rock n' roll to rockabilly, nerds to dapper men, 1950s men's fashions are making a comeback. For your 50s men's outfit, we searched online and found many vintage, reproduction, and 1950s inspired men's clothes to choose from. We linked to them here making your shopping easier.
1950s Men's Clothing
- Suits and Sport Coats
- Tuxedos
- Pants, Trousers, Jeans
- Shirts and Sweaters
- Vests
- Coats and Jackets
- Hats
- Shoes and saddle shoes
- Glasses and sunglasses
- Neckties
- Swim Trunks
- Costumes– Halloween and Party
- Men's Sewing Patterns
- Men's Clothing in the UK
- Reproduction men's clothing
Men's 50s Fashion History
- 1950s Men's Fashion: Business Suits, dress shirts, overcoats
- 1950s Men's Fashion: Casual Clothing, shirts, pants, shorts, jackets
- 1950s Outfit ideas for men
- 1950s Men's Shoes – History of men's 1950s shoes.
- 1950s Men's Shirts– History of 1950s men's shirt styles
- 1950s Men's Hats –Hostory of 1950s style men's hats
- 1950s Men's Swimsuits – Men's swimwear of the 1930s to 1950s
- Men's Westernwear clothing
- Jeans– History of denim blue jeans
- Men's Ties– History men's neckties and bow ties
- Shop men's vintage, reproduction, or inspired clothing brands
- Mens Vintage Workwear 1920s, 1930s, 1940s, 1950s- – men's vintage work clothing
- Men's Watches – History of wristwatches
- Men's Socks– History of men's socks
- Men's Vintage Jewelry– tie clips, rings, etc
- men's formalwear – Tuxedos to wedding attire
Rock n' roll to rockabilly 1950s men's fashions are making a comeback. Slim fitting suits, skinny ties, Letterman jackets, bowling shirts, saddle shoes and chunky glasses defined the 1950s guys wardrobe. While the hat was fading from fashion, men like Frank Sinatra kept the fedora hat and black and white shoes alive a little longer. Meanwhile, musicians like Elvis introduced trendy new suede footwear and actor James Dean made the classic white T-shirt and leather jacket a must for any greaser. Jocks wore letterman jackets, blue jeans and Converse high tops. 50s nerds set a new fashion trend with horn-rim glasses, high waisted pants, and pocket protectors. Teddy Boys reintroduced style from the 1900s. There are 50s male fashions for every age and personality. Learn more about 50s men's fashion history from business to casual.
For your 50s men's outfit, we searched the web and found many vintage, reproduction, and 1950s inspired men's clothes to choose from. We linked to them here making your shopping easier. UK shoppers look at these vintage style clothes.


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Joined: 28 Jun 2019
Posts: 300
Posted: Tue Feb 25, 10:28:03
Post subject: Are you looking forward to renovating a plot and build estab
Are you looking forward to renovating a plot and build establishment? Just because you own a huge developing company doesn鈥檛 give you the authority to build anything on land. Housing authorities have the sole power to approve any kinds of alteration in a plot under their wings. Town planning companies in Sydney are experts having knowledge on every aspect a land will be needing.
Who are town planners?
These are the team of experts having a wide knowledge regarding the development of a town according to the advantages of the people who wish to utilise the properties. They can plan in a specific process to develop residential complexes for the growing population and utilise the resource available in the place so people opting to live in the area doesn鈥檛 face any complications.
Work of the town planners
The experts have to work on innumerable sections all at once to get everything on the track. The first and foremost step they undertake is working up with the officials
, management and other authorities to plan out everything regarding the land at dispense. After a plot is selected for a developmental process the next step is set out to gather information about the land. This includes assembling all knowledge of the land which has economic value. The environmental prospects are also taken into consideration to eliminate any scope for ecological misbalance. Teams are sent for market research to dig out the benefits of the land.
While undertaking a project, a number of bulky works are carried out in one of which is deforestation. This might create hindrance and so a pre-work survey is undertaken where every little detail are written down about the ill-effects to be caused while the project commences and in future when the place will be used full-fledged.
Town planners have to review all the plans put forward by the developers and if find unsatisfactory can discard the layout altogether. If there is any alteration to be made in the plans they may send the plans back to rethink on the project and undertake the required changes.
After the plans are approved town planning companies in Sydney will work towards deploying managers and other teams for the proper functioning of the projects. Separate planning bodies are also formed so that they can actively work in case of any disputes. These were some of the work the experts manages from all other job responsibilities.
About the Author: If you would like to know more about the Town Planning Companies Sydney then please take a moment to read the contributions made Adam Leworthy.
Total Views: 40Word Count: 428See All articles From Author
Property portfolio - Who needs a Pension Scheme? Business Articles | February 24, 2009
Do you have enough in your pension scheme to comfortably retire?
Will you have by the time retirement looms?
How much do you need to retire?
Does around £25,000 a year sound about right; this means you will need a retirement pot of around £500
Various Friends and Family members have pensions through work, they pay in around £300 per month and this gives you a pension of around £108,000 of your own money if you work there 30 years.
Now say the company you work for matches that money, that?s £216
,000, after 30 years of work and an annual pension of just £10,800!
Ok, say I can show you how to have a decent sized pension and you needn?t put anymore than around £300 in? interested?
The Answer is Property Investment
, More specifically Buy to Let.
Take a £200,000 flat in Manchester?
Buy at a 15% discount (lots of these deals around!)
Rent at £1000 pcm. Management fee of £100 pcm Take home £900 pcm. Buy to Let Mortgage at 5.8% of £200,000 = £1,185 repayment pcm.
This will cost you £285 per month.
Say property goes up a conservative 5% per annum over the next 30 years. In 2037 that same property should be worth £864
,388 and you will own it outright!
As far as rental income is concerned. Taking a rental increase of 5% per annum you should receive around £4321 pcm or £51,852 per year.
Now I know that your pension scheme will also increase in value, however, the actual monthly or annual return is not what interests me.
The point that interests me is that your retirement fund will decrease as time goes on. Say you manage to save up £500
,000, in 20 years time, taking an annual income of £25,000 all the money is gone!
Using Buy to Let Property as your pension
, the property retains its value and you get your income from the rental of that property. So not only do you have a property worth £864,388 which you can draw on whenever you need, you also have a yearly income of £51,852.
Saying that
, I would like to end up with a balanced portfolio, I have some money in Shares and would like to add to my portfolio as well, perhaps the secret is not to put all of your eggs in one basket?
In conclusion, the safer bet would seem to be a pension scheme
, but I will point out that over a historical average, property has doubled every seven years, this is around 5% per annum. The same goes for rentals.
A friend of mine recently bought his first house and was amazed a year later when he came to remortgage, that it had risen £30
,000. He pointed out that this was more than he made in a year, to which I pointed out?.imagine if you had 2!
Many dogs today suffer from itchy skin caused by a variety of factors. Dogs actually have more sensitive skin than humans, and are often exposed to a variety of irritants in their environment. These grooming tips may help alleviat.
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How to get a cool guy to like you in Australia
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Are you in a relationship?
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Dating An Aussie? Here Are 17 Things You Should Know About Us First
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xool Tell him you don't want to just walk away from years of a beautiful relationship without making whatever effort is required to revive your love affair. And I mean make him wait.
By trying not to be yourself, you are clearly indicating or suggesting that you are not comfortable with. Pace and manage and he will feel good about ylu future adventures. I think that's a question you can answer much better than I.
But here's what I suggest you. So you have to decide whether or not you want to dump cpol and look for someone new.
So the first time the Aussie was in LA, he could not find ANY i, but after a year or so, forcefully, we found coffee shops that satisfies his coffee snobery thirst. So, I've been talking to this guy for a couple of weeks.
Before deciding whether or not to date a guy, ask yourself a few questions: I had lots of crushes, quite a few people I loved, some I've been in love with His love for footy is not always guided New Geraldton jewish singles events reason.|Published by Insider Guides. Published 23 August by Insider Guides.
Dating in Australia is a bit like Australua through The Outback. This makes for a pretty fun and flexible dating culture, which forces people to get to know one another in a more casual manner.
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Otherwise, group dates and movies are an easy way to get to know someone without too much pressure. As a general rule, whoever suggested the outing should at least offer to pay.
We do love Facebook. There are more Australians with Facebook accounts. In a lot of cultures, the first or second date can mark the beginning of a relationship.]I, like the rest of you, pictured laid back surfer types with terribly generalizations based on a select community of guys from Perth, I've to find, and not always a Perth native, but they're here, and I do love So that's cool.
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Those born before November 6 have already undergone their spiritual transformation in recent years. Health and vitality should be high which enables you to take full advantage of this growth spurt. You should be feeling sociable and can expect good relations with everyone.
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January 12222 Horoscope: Predictions for Scorpio
You will clearly see any relationship dynamics or negative feelings causing disharmony. July 5 to November 30 — The July 5 lunar eclipse brings good fortune, happiness, new and influential friends, truthfulness and optimism. A more supportive home life and harmonious relationships make it easier to succeed in your outer world. This is a good eclipse to start or grow your own business, and for low-risk investment like a savings account, bonds or annuities.
July 24 to October 31 — Jupiter sextile your decan sees a return of your lucky steak. Your interests and activities are likely to be broadened and this could include further study or longer distance travels.
November 10 Zodiac is Scorpio - Full Horoscope Personality
As well as personal and spiritual growth, you could also increase your material wealth because good things are attracted to you. September 16 to October 27 — Jupiter sextile Neptune culminating again on October 2 is spiritually enlightening and gives you a good overall perspective of who you are and your place in the world. Growth and good fortune are possible through further education, group activities, travel, and acts of kindness and charity.
November 29 to December 8 — Venus in your decan is one of the best times of your Scorpio horoscope for romance, socializing, asking for favors and borrowing money. Heightened beauty, charm and sex appeal make it more likely that you will find your perfect match if dating. Shopping, investing and decorating benefit from your good fashion sense and an eye for a bargain. Your Scorpio horoscope is authentic because it is based on planetary transits to Scorpio Decan 2, not to houses, zones or sectors.
All year — Pluto sextile your decan brings self confidence, power and influence.
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Until March 31 — Saturn sextile your decan is a time for steady progress toward your longer-term goals. You will find yourself taking a more responsible attitude to all your affairs, from work to partners and your family. You may be called on to fulfill important duties or take on a leadership role. R elationships, especially with men and family members will be strengthened by mutual respect and understanding. It gives the determination and perseverance for significant personal and professional achievement and recognition.
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Scorpio Personality: October 23 - November 21 | HowStuffWorks
You may receive guidance and help from a father figure, or be a mentor to younger people. October 14 to December 23 — Jupiter sextile your decan sees a return of your lucky steak. October 28 to November 25 — Jupiter conjunct Pluto for the final time on November 12 brings personal, material and spiritual growth.
This should be a time of large-scale achievement and success that makes you happy and content well into the future.
The vulnerable organs for the year ahead are clearly marked in the charts. Try to pay special attention to the specific areas marked in the charts. If this is done diligently, health problems can be avoided. I consider you — the reader — my personal client. By studying your Solar Horoscope I gain an awareness of what is going on in your life — what you are feeling and striving for and the challenges you face.
I then do my best to address these concerns. Consider this book the next best thing to having your own personal astrologer! It is my sincere hope that Your Personal Horoscope will enhance the quality of your life, make things easier, illuminate the way forward, banish obscurities and make you more aware of your personal connection to the universe. Understood properly and used wisely, astrology is a great guide to knowing yourself, the people around you and the events in your life — but remember that what you do with these insights — the final result — is up to you.
Simply by knowing the date of your birth you can gain insightful and astonishingly accurate luck-making information about yourself—your strengths, weaknesses, health, relationships, destiny, career, and life goals—as well as your friends, family, lovers, colleagues, and even people you have just met. The power of your birthday is determined not just by your ruling planet but by a number of other invisible influences and patterns in place the day you were born.
However you decide to read this guide, never forget that every person is born unique and full of potential. For thousands of years the movements of the planets and other heavenly bodies have intrigued the best minds of every generation.businesspodden.se/antologa-junto-al-pasig-consejo-de-los-dioses.php
Daily Horoscope: January 10, 2018
Life holds no greater challenge or joy than this: knowledge of ourselves and the universe we live in. The Zodiac Signs and Astrology are one of the keys to this knowledge.
Your Zodiac Signs gives you the fruits of astrological wisdom.


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Say good Knight to Western Branch; Dale claims 6A region championship
Basketball March 2, 2020 Josh Mathews
Dale to face Massaponax on Friday at Cosby in first round of state tourney
Thomas Dale boys basketball has done the improbable all season.
But, they've accomplished all of their feats through good team basketball and fundamentals.
Junior Kylon Lewis hit two free throws with two seconds left in overtime to give Thomas Dale a 73-71 lead, and a Western Branch 60-foot desperation shot clanged off the rim to give Dale the 6A Region Championship, the school's first since 2001.
"The first buy in was getting back to the basics," said Thomas Dale head coach Keyode Rogers. "Back when we first started workouts and preseason work, it was getting back to the basics."
The Knights wouldn't even have made it to the overtime if it wasn't for Miles Phillips, who hit two free throws with four seconds left in regulation to tie the game. Again, it was back to the basics.
"I wanted to stay calm, take my time and follow through," Phillips said.
"Those two guys [Lewis and Phillips]- I had no fear for them," said Rogers. "They were going to breathe, take their shots and I knew they were going to make them."
The free throws were vital, but to not to be lost was a play made by senior Luke Ogle. A Western Branch steal led to a fast break, and what looked like a sure lay-up that would have put the (team name) up by four with less than ten seconds to play- but Ogle came out of no where to block the shot, and Dale regained possession.
"I told the team that was the play of the game," said Rogers. "Just where he came from to chase that down, that was a big time play."
Ogle, like the other players on the Thomas Dale roster has embraced his role- he's one of the team's best defensive stoppers.
Lewis led the way with 21 points. Jahmeel Campbell pitched in 19 points, and Miles Phillips joined this teammates in double-figures with 16.
Trey Joseph came up big off the bench with three big baskets in the first half that helped Thomas Dale establish a lead, one they held most of the game. He finished with seven points.
The victory brought the Knights' record to 20-5. Those 20 victories are four times the total of games they won last year- five.
"We beat a good team tonight in Western Branch," Phillips said. "Coming into the season, Especially after having a bad year last year, it was hard to imagine having the season we've had so far. It's not over for my teammates and I."
For a program that hasn't had much postseason excitement over the last decade, this is probably the most exciting playoff moment for the Knights since 2011, when in the Central District tournament, they knocked off a star-studded Petersburg team 92-91.
That Petersburg team featured Frank Mason, Kevin Green, D'Vaughan Maxwell and Marcus Hoosier. However, as talented as they were, they fell.
That rendition of the Knights, led by legendary coach Eddie Goss, got 38 points from guard Jordan Smith, who hit 20 of 20 free throws to help seal the victory. That team also featured standouts Kavon Waller, who played at Delaware State, and Myles Turner, who had an excellent career at Division III Emory and Henry.
Like the 2019-2020 Knights, it was the basics that led the 2011 team to an exciting playoff victory.


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properties I buy and rent, my budget is somewhere between 6k to 10k, but things like needing a new roof can skew your figures up quick. I also make a detailed list of everything that needs to be done and place a price next to it. While I doing the rehab I place the actual price next to the budgeted price to ensure that I am within budget and adjust as needed throughout the rehab process. So I would guess for low end Nike Tavas Air Max Red
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at $8 a sqaure foot?
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On the high side it would cost me no more than $7000 to get this Nike Air Max Thea Premium Burgundy all done as long as it not a drywall gut job. You should be well within $10k labor and material. Shop,shop shop around for pricing. Some additional information and pics would be great so we can get you more information.
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David, rehabbing for a buy and hold is a completely different animal than for a flipper. Your post here is in the rehab flipping forum and should belong in the landlording forum (in my opinion) since that is your strategy. I would say that If you don know or have experience with what things cost, there is no fast way of doing this. Every property is different. The best I think is to physically walk through the house noting everything that needs to be done to it. Take your list to home depot and get prices on the things you need. Also get bids from contractors for labor on everything that you will not be doing.
Honestly, you just don know what it will cost until you do your due dilligence.
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Report: Nik Stauskas, Wade Baldwin in 3rd Trade This Week; Will Be Cut by PacersFebruary 7, 2019
Nik Stauskas and Wade Baldwin IV are on the move for the third time this week.
The Houston Rockets sent the duo to the Indiana Pacers along with a second-round pick, per ESPN's Adrian Wojnarowski. The Pacers will subsequently waive Stauskas and Baldwin.
Stauskas and Baldwin began their week as members of the Portland Trail Blazers. They were first rerouted to Cleveland in a deal that sent Rodney Hood to Portland, and the Cavaliers moved them to Houston on Wednesday as part of a three-team deal.
Trading Stauskas and Baldwin will put the Rockets under the luxury tax. It's possible the Rockets go back over the tax if an attractive buyout candidate surfaces, but the team could duck it altogether by playing the 10-day contract game to fill their roster spots. Houston currently stands at 12 players; the team will have to sign at least one more player to meet the NBA's minimum roster requirements.
Stauskas, 25, averaged 6.1 points and 1.8 rebounds on 41.9 percent shooting with the Blazers this season. The 2014 first-round pick previously played for the Sacramento Kings, Philadelphia 76ers and Brooklyn Nets before coming to Portland.
Baldwin, 22, has not panned out since the Grizzlies took him No. 17 overall in 2016. He lasted one season in Memphis before spending the last year-and-a-half with Portland. The 6'4" guard has made only 56 NBA appearances.
The Pacers essentially made this move to add a free second-round pick at the cost of getting the Rockets under the tax. This is one of those NBA financial minutiae deals where there is absolutely no basketball takeaway.
We just hope Stauskas and Baldwin racked up the frequent flyer miles in their wild week.


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More than 11% of America's student loan payments are more than 90 days delinquent or, even worse, in default. But the Department of Education is hopeful its new student loan servicing system, slated to debut in 2019, will get federal loan borrowers back on track.
The platform, called Next Generation Financial Services Environment, or "NextGen" for short, aspires to be a one-stop shop for anyone with federal loans to manage.
In advance of NextGen's arrival, here's what's new, plus how it could affect you.
How NextGen came to be
Secretary of Education Betsy DeVos created a stir in May 2017 when she announced an overhaul to the federal student loan system. At the time, DeVos proposed awarding a trillion dollars' worth of federal loans, spanning 42.3 million customer accounts, to a single loan servicer — instead of keeping them spread out among the nine servicers, the contracts for which expire in 2019.
Reactions to the plan cited various pros and cons of a single-servicer platform, but there was pushback from critics who saw a potential monopoly forming, one that would be hard for the government to rein in, let alone serve borrowers best.
After hiring Dr. A. Wayne Johnson to lead the department's Federal Student Aid (FSA) office, DeVos changed plans. In August 2017, the secretary announced a single online platform accessed by multiple servicers — NextGen.
The latest proposal kept DeVos' initial promise of a simpler, more streamlined repayment experience for borrowers but balanced it with more competition among servicers.
What to expect from NextGen
If you're a federal loan borrower, you're probably familiar with StudentLoans.gov and the FSA's main website, plus the sites of your loan servicers.
With NextGen, you'd only have one URL to bookmark. Even if you have a number of outstanding loans with varying servicers, you would manage every step of your repayment in one place, whether you want to adjust your repayment plan or consolidate your debt.
"It should be easier for borrowers to manage their student loans and to be placed into the most advantageous repayment programs," said student loan lawyer Stanley Tate. "For instance, a public service employee should get bright, loud, ringing alarms that tell them some of their loans aren't eligible for forgiveness."
One complication is that NextGen will feature two sets of user experiences: one for older federal student loan types (such as now-defunct Perkins loans) and another experience for newer loans.
Still, housing all servicers in one place is bound to be a boon for borrowers with multiple accounts. You'd no longer have to track down the customer service phone number for each of your loans or keep track of sending payments to different places.
How NextGen will keep loan servicers in check
Of course, it'll be a monumental task to upload about 42 million borrowers' worth of loan information to NextGen. That would fulfill the FSA's promise of achieving a "single data processing platform" that not only serves borrowers but also delivers excellent data about how they're being served.
Via the Consolidated Appropriations Act of 2018, Congress mandated the education department use "common metrics" to judge the performance of servicers before deciding to award them federal borrowers' accounts.
Once it's live, NextGen could take that to the next level.
"There is a lot more latitude for Federal Student Aid to measure servicers against one another, because they will have more data available to them on how servicers interact with borrowers than they currently do," said Colleen Campbell, who wrote a detailed report on NextGen's development for the Center for American Progress (CAP).
As Campbell noted, however, the education department's latest solicitation for servicers doesn't include information on how they would be held in check.
"There has historically been such poor oversight of servicers and other Federal Student Aid contractors that I think it's difficult to have faith that the organization will do what's best for borrowers rather than what's most cost-efficient," Campbell said.
Navient might not be a match for NextGen
If you peruse the list of companies contending for government contracts to build NextGen, you might notice some familiar names, including Nelnet and the Missouri Higher Education Loan Authority (MOHELA). You'll also see technology companies without a background in student loans — IBM Corporation is the most recognizable — as the education department looks to build the back end of its new servicing platform.
However, Navient — currently one of the country's largest loan servicers — is notably absent. It remains involved, however, as a subcontractor teamed with other servicers.
The company itself is a frequent target of lawsuits, and announced in November that it was taking the Trump administration to court over the education department's handling of servicer contracts, as first reported by Politico. Navient alleges the department broke federal procurement rules during its search for NextGen contractors and put it at a "competitive disadvantage," according to the lawsuit.
According to government data, Navient has been one of the most complained-about student loan servicers in recent years. NextGen on the other hand, if it lives up to its promise, could offer improved customer service, easier loan management and a clearer path to being debt-free.
"Navient has such a history of poor past performance, it would be difficult to imagine them making it into the new system if there is any integrity in the selection process," Campbell said. "Their suit strikes me as another blow to that relationship."
If you have student loans serviced by Navient, you may or may not be happy to learn that either way, it won't be operating on its own in the future. When the time comes, you'll need to lean on NextGen instead.
Interested in refinancing student loans?Here are the top 8 lenders of 2020!
|Variable APR
|Eligible Degrees
|Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.
Earnest Disclosures
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 4.25% APR (with Auto Pay) to 8.77% APR (with Auto Pay). Variable rate loan rates range from 3.50% APR (with Auto Pay) to 8.72% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2020, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 3/18/2020. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at firstname.lastname@example.com, or call 888-601-2801 for more information on our student loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
2 Important Disclosures for Laurel Road.
Laurel Road Disclosures
Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Mortgage lending is not offered in Puerto Rico. All loans are provided by KeyBank National Association.
There are no origination fees or prepayment penalties associated with the loan. Lender may assess a late fee if any part of a payment is not received within 15 days of the payment due date. Any late fee assessed shall not exceed 5% of the late payment or $28, whichever is less. A borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
For bachelor's degrees and higher, up to 100% of outstanding private and federal student loans (minimum $5,000) are eligible for refinancing. If you are refinancing greater than $300,000 in student loan debt, Lender may refinance the loans into 2 or more new loans.
Borrower, and Co-signer if applicable, must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date); state that they are of at least borrowing age in the state of residence at the time of application; and meet Lender underwriting criteria (including, for example, employment, debt-to-income, disposable income, and credit history requirements).
Graduates may refinance any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. Any federal loans refinanced with Lender are private loans and do not have the same repayment options that federal loan program offers such as Income Based Repayment or Income Contingent Repayment.
All loans must be in grace or repayment status and cannot be in default. Borrower must have graduated or be enrolled in good standing in the final term preceding graduation from an accredited Title IV U.S. school and must be employed, or have an eligible offer of employment. Parents looking to refinance loans taken out on behalf of a child should refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for applicable terms and conditions.
For Associates Degrees: Only associates degrees earned in one of the following are eligible for refinancing: Cardiovascular Technologist (CVT); Dental Hygiene; Diagnostic Medical Sonography; EMT/Paramedics; Nuclear Technician; Nursing; Occupational Therapy Assistant; Pharmacy Technician; Physical Therapy Assistant; Radiation Therapy; Radiologic/MRI Technologist; Respiratory Therapy; or Surgical Technologist. To refinance an Associates degree, a borrower must also either be currently enrolled and in the final term of an associate degree program at a Title IV eligible school with an offer of employment in the same field in which they will receive an eligible associate degree OR have graduated from a school that is Title IV eligible with an eligible associate and have been employed, for a minimum of 12 months, in the same field of study of the associate degree earned.
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
The repayment of any refinanced student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Lender agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Lender has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
This information is current as of March 4, 2020 and is subject to change.
3 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate ("LIBOR") published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2020, the one-month LIBOR rate is 1.62%. Variable interest rates range from 2.49%-8.72% (2.49%-8.72% APR) and will fluctuate over the term of the borrower's loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.39%-8.90% (3.39%-8.90% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.
Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan for Parents. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are considering possible loan forgiveness options, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. The Education Refinance Loan for Parents does not offer co-signer release or death forgiveness. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.
Citizens Bank Student Loan Eligibility: Borrowers must be enrolled at least half-time in a degree-granting program at an eligible institution. Borrowers must be a U.S. citizen or permanent resident or an international borrower/eligible non-citizen with a creditworthy U.S. citizen or permanent resident co-signer. For borrowers who have not attained the age of majority in their state of residence, a co-signer is required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Citizens Bank private student loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student's enrollment at a Citizens Bank- participating school.
Please Note: International Students are not eligible for the multi-year approval feature.
Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate's degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower's student loan amount(s) and highest degree earned.
Citizens Bank Education Refinance Loan and Education Refinance Loan for Parents Eligibility: For the Citizens Bank Education Refinance Loan and Education Refinance Loan for Parents, primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not reached the age of majority in their state of residence, a co-signer will be required and may not be eligible for co-signer release. For the Citizens Bank Education Refinance Loan, applicants may not be currently enrolled in school and applicants with an Associate's degree, or with no degree, must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Citizens Bank observes the right to modify or discontinue these benefits at any time. Both Education Refinance Loans and Education Refinance Loan for Parents are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower's student loan amount(s) and highest degree earned or affordability, as applicable. The minimum student loan refinance amount is $10,000. Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. Resources are available to help the borrower make a decision, including a comparison of federal and private student loan benefits, at https://studentaid.ed.gov/sa/types/loans/federal-vs-private.
Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.
4 Important Disclosures for SoFi.
SoFi Disclosures
5 Important Disclosures for CommonBond.
CommonBond Disclosures
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 1.67% effective February 10, 2020.
6 Important Disclosures for LendKey.
LendKey Disclosures
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of 5 years and is reserved for applicants with FICO scores of at least 810.
As of 03/26/2020 student loan refinancing rates range from 1.90% to 7.89% Variable APR with AutoPay and 3.39% to 7.75% Fixed APR with AutoPay.
7 Important Disclosures for College Ave.
College Ave Disclosures
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
1College Ave Refi Education loans are not currently available to residents of Maine.
2All rates shown include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
3$5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.
4This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate ("APR"): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 3/20/2020. Variable interest rates may increase after consummation.
|3.50% – 8.72%1
|Undergrad & Graduate
|1.99% – 6.65%2
|Undergrad & Graduate
|2.49% – 8.72%3
|Undergrad & Graduate
|3.50% – 8.70%4
|Undergrad & Graduate
|1.76% – 6.24%5
|Undergrad & Graduate
|1.90% – 7.89%6
|Undergrad & Graduate
|2.39% – 6.01%
& Graduate
|3.64% – 6.74%7
|Undergrad & Graduate


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