text:
Estimating Your Retirement Income Needs
You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you'll need to fund your retirement. That's not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your goals and many other factors.
Use your current income as a starting point
It's common to discuss desired annual retirement income as a percentage of your current income. Depending on whom you're talking to, that percentage could be anywhere from 60% to 90%, or even more. The appeal of this approach lies in its simplicity, and the fact that there's a fairly common-sense analysis underlying it: Your current income sustains your present lifestyle, so taking that income and reducing it by a specific percentage to reflect the fact that there will be certain expenses you'll no longer be liable for (e.g., payroll taxes) will, theoretically, allow you to sustain your current lifestyle.
The problem with this approach is that it doesn't account for your specific situation. If you intend to travel extensively in retirement, for example, you might easily need 100% (or more) of your current income to get by. It's fine to use a percentage of your current income as a benchmark, but it's worth going through all of your current expenses in detail, and really thinking about how those expenses will change over time as you transition into retirement.
Project your retirement expenses
Your annual income during retirement should be enough (or more than enough) to meet your retirement expenses. That's why estimating those expenses is a big piece of the retirement planning puzzle. But you may have a hard time identifying all of your expenses and projecting how much you'll be spending in each area, especially if retirement is still far off. To help you get started, here are some common retirement expenses:
- Food and clothing
- Housing: Rent or mortgage payments, property taxes, homeowners insurance, property upkeep and repairs
- Utilities: Gas, electric, water, telephone, cable TV
- Transportation: Car payments, auto insurance, gas, maintenance and repairs, public transportation
- Insurance: Medical, dental, life, disability, long-term care
- Health-care costs not covered by insurance: Deductibles, co-payments, prescription drugs
- Taxes: Federal and state income tax, capital gains tax
- Debts: Personal loans, business loans, credit card payments
- Education: Children's or grandchildren's college expenses
- Gifts: Charitable and personal
- Savings and investments: Contributions to IRAs, annuities, and other investment accounts
- Recreation: Travel, dining out, hobbies, leisure activities
- Care for yourself, your parents, or others: Costs for a nursing home, home health aide, or other type of assisted living
- Miscellaneous: Personal grooming, pets, club memberships
Don't forget that the cost of living will go up over time. The average annual rate of inflation over the past 20 years has been approximately 2%.1 And keep in mind that your retirement expenses may change from year to year. For example, you may pay off your home mortgage or your children's education early in retirement. Other expenses, such as health care and insurance, may increase as you age. To protect against these variables, build a comfortable cushion into your estimates (it's always best to be conservative). Finally, have a financial professional help you with your estimates to make sure they're as accurate and realistic as possible.
Decide when you'll retire
To determine your total retirement needs, you can't just estimate how much annual income you need. You also have to estimate how long you'll be retired. Why? The longer your retirement, the more years of income you'll need to fund it. The length of your retirement will depend partly on when you plan to retire. This important decision typically revolves around your personal goals and financial situation. For example, you may see yourself retiring at 50 to get the most out of your retirement. Maybe a booming stock market or a generous early retirement package will make that possible. Although it's great to have the flexibility to choose when you'll retire, it's important to remember that retiring at 50 will end up costing you a lot more than retiring at 65.
Estimate your life expectancy
The age at which you retire isn't the only factor that determines how long you'll be retired. The other important factor is your lifespan. We all hope to live to an old age, but a longer life means that you'll have even more years of retirement to fund. You may even run the risk of outliving your savings and other income sources. To guard against that risk, you'll need to estimate your life expectancy. You can use government statistics, life insurance tables, or a life expectancy calculator to get a reasonable estimate of how long you'll live. Experts base these estimates on your age, gender, race, health, lifestyle, occupation, and family history. But remember, these are just estimates. There's no way to predict how long you'll actually live, but with life expectancies on the rise, it's probably best to assume you'll live longer than you expect.
Identify your sources of retirement income
Once you have an idea of your retirement income needs, your next step is to assess how prepared you are to meet those needs. In other words, what sources of retirement income will be available to you? Your employer may offer a traditional pension that will pay you monthly benefits. In addition, you can likely count on Social Security to provide a portion of your retirement income. To get an estimate of your Social Security benefits, visit the Social Security Administration website (www.ssa.gov). Additional sources of retirement income may include a 401(k) or other retirement plan, IRAs, annuities, and other investments. The amount of income you receive from those sources will depend on the amount you invest, the rate of investment return, and other factors. Finally, if you plan to work during retirement, your job earnings will be another source of income.
Make up any income shortfall
If you're lucky, your expected income sources will be more than enough to fund even a lengthy retirement. But what if it looks like you'll come up short? Don't panic — there are probably steps that you can take to bridge the gap. A financial professional can help you figure out the best ways to do that, but here are a few suggestions:
- Try to cut current expenses so you'll have more money to save for retirement
- Shift your assets to investments that have the potential to substantially outpace inflation (but keep in mind that investments that offer higher potential returns may involve greater risk of loss)
- Lower your expectations for retirement so you won't need as much money (no beach house on the Riviera, for example)
- Work part-time during retirement for extra income
- Consider delaying your retirement for a few years (or longer)
1Calculated form Consumer Price Index (CPI-U) data published by the Bureau of Labor Statistics, January 2019
**This is a Forefield 3rd party article which is being submitted by Wealth Strategies Financial Group.
Copyright 2018 Broadridge Advisor Solutions


text:
Source: Eurostat
Release: Harmonized Indices of Consumer Prices (HICP)
The Harmonized Index of Consumer Prices category "Clothing and Footwear (03)" is a classification of semi-durable goods and services. This classification contains the Clothing (03.1) and Footwear (03.2) categories and all subcategories therein.
Information provided in the notes pertaining to HICP classifications can be found from the source at: http://ec.europa.eu/eurostat/cache/metadata/en/prc_hicp_esms.htm.
Copyright, European Union, 1995-2016, http://ec.europa.eu/geninfo/legal_notices_en.htm#copyright.
Eurostat, Harmonized Index of Consumer Prices: Clothing and Footwear for Slovakia [CP0300SKM086NEST], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/CP0300SKM086NEST, December 10, 2023.

subset: commoncrawl


text:
-Advertise in here!
Today's Posts
Insert Pics
Keep VAF
w/a Donation
VAF on Twitter:
Forum Rules
By checking the "I have read..." box below and clicking on the "Register"
button, you acknowledge and agree to abide by the VAF posting rules located at:
Registration to this forum is free! We do however insist that you abide by the rules. If you agree to the terms, please check the 'I agree' checkbox and press the 'Register' button below.
If you would like to cancel the registration, click here
to return to the forums index.
Although the administrators and moderators of VAF Forums will attempt to keep all objectionable
messages off this forum, it is impossible for us to review all messages. All messages express the views of
the author, and neither the owners of VAF Forums, nor Jelsoft Enterprises Ltd. (developers of vBulletin)
will be held responsible for the content of any message.
By agreeing to these rules, you warrant that you will not post any messages that are obscene, vulgar,
sexually-oriented, hateful, threatening, or otherwise violative of any laws.
The owners of VAF Forums reserve the right to remove, edit, move or close any thread for any reason.


text:
Custom Unlined Leather Sketchbook or Notebook, Pink
This unlined pink leather book is made with heavy weight acid free paper that works great for both drawing or writing. Select your preferred size and thread color to better fit your individual style and writing needs. Add personalization to the cover to make your custom journal unique to you.
•COVER: Genuine Leather that is soft, supple, flexible, and very durable
•PAPER: Acid free white paper, 70lb, Unlined
•PAGE COUNT: 192 pages (front and back)
•BINDING: Long stitch (book will easily lie flat when open) Pages are sewn directly into the leather cover by hand with waxed Irish linen thread.
*Each book may vary slightly from the images shown, due to the natural character of the leather.
Policies & FAQ
Production Time
Orders usually take 3-4 business days to create before shipping. Production time may be extended during busy times, such as the holiday season. Please see the announcement bar at the top of the website for updated production times.
Shipping time for your order will vary, depending on the shipping method selected.
Domestic Shipping Speeds (within the USA)
The shipping time will vary depending on your order. Shipping times do not include the amount of time it takes to make your order (see production time above)
Please keep in mind the shipping times listed below are estimates, and situations such as major weather events, holidays, or other such events out of our control may impact shipping and delivery dates.
First class shipping (small items only) is estimated to arrive within 3-7 business days.
Priority Mail is estimated to arrive within 2-4 business days. (This has been extended by USPS from the normal 1-3 day window, due to disruptions caused by the pandemic)
Express Mail (when available) is estimated to arrive within 1-2 business days.
International Shipping Speeds
Due to the pandemic, international shipping has been widely and severely impacted. We have seen delivery delays of international orders taking as much as 2+ months longer than usual. We are unable to guarantee international delivery times or provide any sort of estimated arrival date should you choose to place an international order, and pandemic related delays are not considered an eligible reason for a refund. Please note if your country is unable to receive shipments at all due to the pandemic (as specified to us by USPS), your order may be subject to a cancellation.
Please note- shipping times outside of the US can vary greatly depending on the destination and customs.
First class international is estimated to take between 1-6 weeks.
Priority International is estimated to take between 6-10 business days.
Shipping Help
-My address is wrong, what do I do?
Orders ship to the address provided during checkout, and cannot be edited once your order has been submitted. Please contact me immediately if you need to cancel and re-submit an order with a different address.
If your order is returned or cannot be delivered because the address you supplied was incorrect or insufficient, I am happy to re-ship the item to a new address once I receive it back. New shipping charges will apply.
-Tracking shows delivered, but it never arrived, what do I do?
Always check any alternate delivery locations (such as a back door, or building concierge, special package mailboxes, etc) and check with other members or your household to see if anyone already received the package. It is also not uncommon for a package to be scanned as delivered a day too early, so you may consider waiting one more day to see if it arrives.
As the buyer and intended recipient of the package, speaking directly to your local post office or your mail carrier is the fastest way to get help from USPS when attempting to locate a package. Be prepared to provide the post office with your tracking number so they can better assist you.
I am happy to assist you in attempting to locate your package if you need additional help or are unable to visit your local post office yourself. Please email email@example.com with your order information and details regarding any steps you have already taken to locate your package.
*If your package is confirmed delivered but you believe it to be stolen, you are encouraged to file a police report. Absolutely EVO is not responsible for stolen mail.*
CUSTOM & PERSONALIZED ITEMS Personalized items and special custom orders (including stamped initials and title pages) are not eligible for return. Custom orders also include special orders / listings / invoices created just for you due to special requests for something that is not already available as an option for sale on the website.
*Regular orders from the "Build Your Own" listings are eligible for return, so long as they are not personalized with initials or a title page.*
BULK/WHOLESALE ORDERS Orders that are purchased at a wholesale/bulk discounted rate are ineligible for return/exchange except in the event of seller error or shipping damage.
ALL OTHER ITEMS Please contact me within 14 days of receiving your order to initiate a return or exchange. (After your return is approved, you must ship your item back within 30 days) Items must be returned in new condition with their original packaging, or buyer will be responsible for loss in value. Original shipping charges are non-refundable.
RETURN SHIPPING Buyers are responsible for paying return shipping. Items must be returned in new condition with their original product packaging, or buyer will be responsible for loss in value. (Items received in damaged condition not receive a full refund: a re-stocking fee will apply) Please ship your returns with care, and provide us with the tracking information if possible.
DAMAGED ITEMS/PROBLEMS WITH AN ORDER In the rare event that your item arrives damaged or something else is wrong with your order, I will work with you to make it right. Please inspect your item as soon as you receive it and email me at firstname.lastname@example.com as soon as possible if there is a problem. Please note- you may be required to send a photo of the item in order to facilitate a replacement or paid return.
What personalization characters are available for stamping on the covers?
All English alphabet characters A-Z in UPPER and lower case, as well as 1234567890 and the & sign.
Only one font and size is available.
*Dates can only be formatted with periods, not slashes or dashes. Example: 12.12.18
Can I personalize names, quotes, or custom images onto the leather cover?
Unfortunately no, images or other custom designs cannot be branded into the leather at this time.
NEED MORE CHARACTERS? Each listing already allows for the maximum amount of characters that will fit on the book, depending on its size. Due to the size of the branding stamps used, long names or quotes typically will not fit on the cover. *Custom orders, depending on size, may be able to accommodate a few additional characters.
TITLE PAGES Want to include a special message, meaningful quote or other design in your book? Title pages can be custom printed on the first page inside the book. Contact me to inquire about a custom order for pricing and details.
What kind of paper do you use?
Unless otherwise specified, all journal and sketchbooks contain a heavy-weight, 70 lb acid-free drawing paper. All lined, dotted, and graph pages are custom printed in house.
This paper holds up well (no bleed through!) with a variety of mediums I've tested, including:
-Regular Pens/Pencils/Colored Pencils
-Micron Pens
-Le Pen Ink Pens
-Calligraphy Inks (Including FW Acrylic, and India Ink)
-Tombow Brush Pens
-Windsor Newton Water Color Markers
-Various Calligraphy Markers/Pens( Including Pentel Fude Touch, Water Based Sharpie Calligraphy Pen, and Itoya Brand Calligraphy Marker)
*Regular Sharpies and any other type of alcohol based ink/marker are NOT recommended, as they will bleed through just about everything- including this 120 gsm paper.
*"Acid free" refers to the pH of the paper. Some papers can yellow and become brittle over time (think old newspapers). Acid free paper combats this problem, and will stay in much better condition for much longer than papers with a higher acid content. My books are meant to last a lifetime, so I now use acid free paper in all my books.*
Can you make me a custom book?
Most likely, yes! Typical customization requests are often for things like custom book sizes, page count, and even specially designed pages. Need something else? Just ask! I am happy to work with you to create a custom book to fit your needs. Please click the "CONTACT" tab in the navigation bar to send a message with your custom request.
Can you tell me more about your leather?
**Please note: not all leathers are available for all items. Most of our leathers are in the 3-3.5 oz range, unless otherwise specified. Have a question? Just ask!
-Chocolate/Golden/Black/Distressed Brown: Full grain with a naked finish. Ages and shows wear beautifully.
-White, Gray, Deep Red, Blush Pink, Pink, Orange, Yellow, Teal, Sea Green, Sky Blue, Dark Blue, Mulberry Purple: Full grain and slightly more resistant to scratches and less likely to show wear markings than most of our other leathers.
-Bison Brown: The firmest/thickest of our leathers(at about 4.5-5.5 oz) with a beautiful pull up effect (color change when manipulated) Perfect for those who prefer something a little more heavy duty. Full grain. Will show markings as handled.
-Burnt Umber: Has a slightly waxy surface with a beautiful subtle sheen.
-Cognac: The softest of all the leathers we carry. A little lighter, ranging in thickness from 2.5-3 oz. Truly luxurious.
Customer Reviews
The journal is amazing! Love the blush pink color. I ordered the 9x12. Looking forward to using!!
Prompt delivery of item was exactly as describe. Would do business again.
Very fast shipping!


text:
Lindsey has been a dedicated yoga student since 1990 and is a certified yoga teacher. She has taken teacher trainings in yoga for both adults and children, as well as yoga for injuries and pregnancy. Lindsey holds a degree in psychology from the University of Michigan and a law degree from Northwestern University. She taught pre-school as well as counseled abused women and children. Lindsey practiced law for eight years and also has certifications in nutrition, anatomy and meditation.
Lindsey continuously educates herself, so she can better serve her students. She is devoted to her yoga practice. She practices regularly and studies with yoga masters from around the world. While the list of teachers is too numerous to delineate here, the following styles have had a significant influence on her: Power yoga, Astanga yoga, Forrest yoga, Anusara yoga, Jivamukti yoga, Universal yoga, Yogic Arts, Kwando and Dance. Lindsey's classes reflect her sincere appreciation, understanding, and passion for all aspects of Yoga. In each class, she blends her training and thirteen-plus years of experience into a creative, challenging, and soulful vinyasa flow. She takes her students on a journey through every part of the body, exploring the workings of their minds and their connection to spirit. She inspires her students to become self-aware - mentally, physically, emotionally, energetically, and spiritually - and teaches them how to use the practice to move energy and balance themselves in any way they need. Lindsey seeks wisdom in action, so she constantly reinforces the principals of alignment and offers variation in each pose so students of all levels can feel safe and get what they need.
She makes up a new class each time and uses the classes to teach her students how yoga is a state of mind and being, not a measure of flexibility. Lindsey cherishes teaching yoga and embraces the opportunity to help people on their journey. She sincerely thanks her teachers, students, family, and friends for supporting and inspiring her on her own journey. Currently, Lindsey teaches group and private classes for people of all ages, gives corporate wellness seminars and provides nutritional counseling.
Agni Yoga is a dedicated hot yoga studio located within Sky Fitness in Buffalo Grove, IL. A wide range of classes suitable for all levels and abilities.
Agni (Sanskrit: अग्नि) is a Hindu deity, one of the most important of the Vedic gods. He is the god of fire. Practicing yoga in a hot studio helps you to stretch, improve your cardio, strength,flexibility and detox.
Agni Hot Yoga Studio is a beautiful gem inside of Sky Fitness center. We offer: warm vinyasa flow, hot power hour, deep release class and our signature Agni Series. Fabulous teachers, pure, clean heat and a yoga experience you will love. Meet us on the mat.!!!
Alexia was 5 years old when she found a yoga book in her grandfather's library. She loved playing around with the postures she saw in the photos. She would walk around the house on her knees in lotus posture while her dad scolded, "you're gonna get hurt." She never saw the book again but the inspiration remained in the back of her mind. Seventeen years later Alexia realized that she couldn't deny her hunger to learn the practice of yoga: she left Guatemala, her home country, and moved to Chicago to start her teacher training.
Alexia's teacher and greatest influence is Kino Macgregor, one of the few certified Ashtanga teachers in the country. Kino's inspiration helped Alexia discover that her heart is in the Ashtanga yoga practice. Alexia practices everyday under the guidance of Todd Boman, who supports her practice and teaches her faith and dedication with his own shining example. She has apprenticed with Todd for the past four years in the mysore classes and continues to assist him.
Alexia has found a daily practice to be profoundly transformative, calming, and awakening to self-knowledge. It is these benefits that have given her tremendous faith in yoga and passion for the practice. As a teacher, Alexia inspires students to persevere, with enthusiasm, and discover what gifts their practice holds for them.
Alie has studied yoga and meditation for almost 20 years and has been teaching for more than 13. Alie's passion for yoga has led her to Bali, Thailand, Hong Kong, Jamaica, Greece, and across the United States studying with the world's foremost teachers and eccentrics.
Allison English found yoga as a teenager while recovering from serious sports injuries – she stayed with it through a dizzying array of life's experiences, transitions, and traumas. As her Spirit Path would have it, she was exposed to Forrest Yoga first and fell in love with this methodology of practicing, teaching and healing – that was over 15 years ago and she hasn't looked back! Allison is trained in anthropology and romance linguistics, along with chemistry and mathematics, but she began teaching yoga 10 years ago at the gentle nudge of her first teacher who saw a spark in her for guiding and inspiring others. She found her life's passion in becoming a healer through the practices of Forrest Yoga, and has since studied many forms of yoga, hands on healing, anatomy, and energy medicine. Allison is a certified Forrest Yoga Teacher and travels the world as one of Ana Forrest's assistant teachers and business consultants, leading her own retreats, conference sessions, teacher training, and workshops along the way. In her classes you will find a clear focus on setting personal healing intents, strengthening connections to your core, deepening the flow of your breath consciously, and playing with the power of practice to transform you. She is a healer who draws on energy work, ceremony, expert hands on assists, humor, and clear sequencing to help her students embody Spirit. Every practice with Allison is unique and tailored to all levels of students.
Born and raised in Flint, MI Amber is a world traveler, animal and music lover. She has overcome serious physical injuries, including fractured vertebrate, through her yoga practice. Amber has also experienced peace of mind from anxiety and PTSD through the practice.
Amber's class focuses on the subtle aspects of the practice by incorporating meditation, alignment, breath, and mindfulness in a vigorous class. She uses intention as direction with an emphasis on cultivating the student's awareness of what they personally need from their practice. Through practice, Amber believes passionately that yoga reveals one's true nature and purpose for being (dharma). With this awareness, the student opens up to experiencing the world in a more honest and joyful way.
Angie shares the gifts of yoga through creative, challenging and accessible vinyasa flow. Her teaching style is heavily influenced by her primary teachers Alyson D'Souza, Daren Friesen, Sara Strother and Danielle Dickinson.
As a very fortunate 15 year old, Angie was required to take a yoga course to fulfill a physical education requirement – little did she know that this requirement would quickly become a lifelong practice that cultivated fitness for her in body, mind and spirit.
Ten years later, in early 2012, Angie had an epiphany: she held the key to her own happiness and yoga was that key. She felt the call to teach others how to unlock happiness through their own yoga practice. She completed her 200hr teacher training with Daren Friesen at Moksha Yoga Center and continues to study at Moksha. She has been honored to study with master teachers Sadie Nardini, Kathryn Budig, Jason Crandell, Tias Little, Aadil Palkhivala and Seane Corn.
Through intelligent sequencing, each of Angie's classes aims to honor a specific intention – like opening the heart or opening the hamstrings. Angie's classes focus on utilizing the physical tools we are given by yoga asana – movement and breath – to unlock the mental and spiritual gifts that the yoga tradition offers. No matter the initial intention of a class, the outcome is always the same – you leave feeling stronger, lighter and happier!
Deepen your practice in a safe and exclusive environment.
Maureen's passion for yoga and enthusiasm for life creates a class experience where students can harness their inner strength, find stillness within and become more self-aware, opening the individual to what is truly possible.
Awaken Yoga offers private, small group, and corporate classes. We welcome all levels, from beginners to more advanced yogis, who want to deepen their practice. Awaken Yoga stands apart, offering custom programs to fit clients' capabilities and objectives and monthly progress reports to measure success and development. This type of individualized and intimate attention allows each student to grow at their own pace. Our mission is to not only help people heal and stay healthy, but to help them foster the best in themselves and achieve a new level of self-awareness, awakening them to their inner light. We would be honored to hold a space for you.
Bare Feet Power Yoga is your friendly neighborhood yoga studio. We opened in June 2012 and are located in the West Loop on Monroe and Morgan. We teach Hot Power Vinyasa Yoga classes that will take you to your edge, calm your mind and leave you inspired! All of our classes are heated to 90 degrees and we welcome all levels to any of our classes.
Betty Olson (500hr CYT) began her journey as a dancer/choreographer and it did not take her long before she was determined to find a deeper understanding in the movement.
Her path led her to Chicago from Kansas City in 2001 obtaining a MA in Dance/Movement Therapy from Columbia College Chicago. Upon graduation she found a lot of joy working in an in-patient psychiatric unit bringing movement, meditation and body awareness to the patients.
Devoting her time to understand movement Betty enrolled in Moksha's exceptional Teacher Training program under the guidance of Daren Friesen and was certified in the fall of 2010. She continues to further her studies through workshops with Master Teachers, such as Tias Little, Ashley Turner and Leeann Carey.
Betty's classes focus on the individual, brining awareness to the mind-body connection. Through vinyasa, breath-syncronized movement, she supports the student's individuality and helps facilitate growth with non-judgment.
Betty donates her time by teaching a yoga class to help sponsor the Ride for AIDS Chicago. She believes in supporting her community and does a fundraiser yearly. Betty did her first ride with RFAC in 2010 and is excited about the next ride and fundraiser in July 2012.
Blanca began her training at Moksha Yoga Center in 2003 at the young age of 18. It was her mother who first inspired her to to pursue the path of yoga and has supported her journey ever since. From that point on she has studied with master teachers Shiva Rea in Vinyasa flow, and aliginment based Iyengar from Aadil Pahkivala. Her recent study with Astanga teacher Kino Macgregor has sparked a passion for the astanga practice. She has dedicated her daily practice to this traditional form.
Blanca has a degree in dance from Columbia College Chicago and also intensively trains the Brazilian martial art capoeira. It is no surprise to experience a blend of these beautiful practices within Blanca's creative vinyasa flow classes. Her priority as a teacher is to offer a space where her students can deepen their practice, receive a balanced practice of pranyama, asana, and meditation and leave class with an overall feeling of ease and wellbeing.


text:
FDIC Issues List of Banks Examined for CRA Compliance
September 6, 2018 / Source: FDIC
Press Releases
FDIC Issues List of Banks Examined for CRA Compliance
September 5, 2018
Media contact:
Greg Hernandez
(202) 898-6984
[email protected]
The Federal Deposit Insurance Corporation (FDIC) today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA). The list covers evaluation ratings that the FDIC assigned to institutions in June 2018.
The CRA is a 1977 law intended to encourage insured banks and thrifts to meet local credit needs, including those of low- and moderate-income neighborhoods, consistent with safe and sound operations. As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated the public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990.
A consolidated list of all state nonmember banks whose evaluations have been made publicly available since July 1, 1990, including the rating for each bank, can be obtained at www.fdic.gov or from the FDIC's Public Information Center, 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226 (877-275-3342 or 703-562-2200).
A copy of an individual bank's CRA evaluation is available directly from the bank, which is required by law to make the material available upon request, or from the FDIC's Public Information Center.
Monthly List of Banks Examined for CRA Compliance
September 2018 List of Banks Examined for CRA Compliance
Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation's banking system. The FDIC insures deposits at the nation's banks and savings associations, 5,542 as of June 30, 2018. It promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed. The FDIC receives no federal tax dollars—insured financial institutions fund its operations.
FDIC press releases and other information are available on the Internet at www.fdic.gov, by subscription electronically (go to www.fdic.gov/about/subscriptions/index.html) and may also be obtained through the FDIC's Public Information Center (877-275-3342 or 703-562-2200). PR-57-2018


text:
ChromaLuxe Aluminium Gloss White – 20 x 30cm (7.8 x 11.8″) – Pack 10
ChromaLuxe Aluminium Gloss White – 20 x 30cm (7.8 x 11.8″) – Pack 10.
Other photo panels are available in our range of sublimation products.
£96.00 Ex vat.
£115.20 Inc vat.
In stock
In stock
Courier Deliveries – We aim to despatch your parcel same day for next working day delivery where possible on orders for delivery to standard UK postcodes placed before 3:30pm Monday to Friday. Please be aware that whilst we are dispatching using a next day service with DPD, in the run-up to Christmas, couriers may be unable to guarantee next day delivery – we anticipate that this problem will last until Christmas and advise that you place your orders accordingly allowing extra time for them to reach you. We apologise for any inconvenience but unfortunately we have no way of overcoming this situation.
Orders placed after 3:30pm Friday, over the course of the weekend or on a public holiday will be processed the next working day.
Please inspect your parcel(s) immediately upon delivery and before the driver leaves.
Post Orders: Please be aware that postal options with Royal Mail are not guaranteed for next day delivery.
This is 2nd Class Tracked and Signed for and we are unable to dispatch replacements for items that are taking longer than expected or lost altogether by Royal Mail.
If you require a next day, trackable delivery option, we suggest opting for Courier delivery with DPD (Geographical limitations apply).
ChromaLuxe Aluminium is a premium quality, high gloss aluminium for dye sublimation, especially suited to high quality photographic images.
ChromaLuxe is the most popular sublimation metal on the market and is available in various shapes and sizes in both white and silver, but also Gloss and Matte finishes.
Recommended items for use with ChromaLuxe
When pressing any ChromaLuxe aluminium panel we highly recommend using Endura Fabric for best results and to help prevent any damages.
Easels & Wall Mounting Hangers
Easels and Wall Mounting Hangers are available for the various shapes and sizes of ChromaLuxe, below are a few that might interest you.
- Wall Mounting Hanger 29 x 40cm - 11.5 x 16" (5500)
- Wall Mounting Hanger 23 x 30cm - 9 x 12" (5501)
- Wall Mounting Hanger 11.5 x 11.5cm - 4.5 x 4.5" (5502)
- Wall Mounting Hanger With 4 Spacer Blocks (5503)
- Metal Easel - Pack 10 (5504)
- Mini Metal Easel - Pack 10 (5505)
- Wooden Mounting Hanger - Medium (5507)
- Wooden Mounting Hanger - Small (5508)
*Measurements are approximate.*
Additional information
|Substrate Type
White Gloss
|Can be printed with:
A3 Printers, A3 Printer with Bypass Tray, A1 Printers and above
|Size (cm / inches)
20 x 30cm (7.8 x 11.8")


text:
Covermate Sunbrella Exact-Fit Boat Cover - Cobalt 262 Bowrider I/O
- ---
This item is excluded from all discounts and promotions.
Save an extra 15% on All Boat & PWC Covers. Discount applied in cart. Offer valid 12/4-12/31/23.
We believe in offering the very best value, quality, and selection. Plus, we want you to enjoy your purchase! In the event you wish to send a product back to us, you may return most unused items for a refund or exchange, minus shipping, within 90 days from the date of purchase unless noted below under exceptions and exclusions. Refunds are issued to the original form of payment, unless returned in store where some exclusions may apply.
- Years: 2000 to 2006
- Fit: Exact
- Trailerable: Yes
- Material: 9.25 oz. 100% acrylic


text:
Norton Commons 4 Bathroom for Sale
Our website features the best real estate search for 4 bathroom properties available in Norton Commons and surrounding areas. It is the only site you will ever need! It is easy-to-use and updated by the official REALTOR®'s database every 15 minutes.
You can save searches, and get daily email alerts of new listings, price changes, sold data, and market reports. Our Interactive Map Search allows you to view properties on a map or refine your search by drawing the boundaries around the area you desire.
Curious about what's happening in the Norton Commons real estate market? Sign up for a Norton Commons Real Estate Market Report to see what's active, under contract, and sold!
Considering selling or refinancing your home? Get an INSTANT property valuation now!
No current listings, please check back later.


text:
Tim Holtz Distress Oxide Spray is a dye and pigment ink fusion that creates oxidized effects when sprayed with water. Use for quick and easy ink coverage on porous surfaces.
Spray through stencils, layer colors, spritz with water and watch the color mix and blend. Available in a 2 fl. oz. spray bottle.