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In a perfect world, you could rely on a credit card to cover emergency expenses. But, as you might have already guessed, most Americans don't have that kind of available credit on hand to use either. In fact, according to a Harvard University study, nearly 40 percent of households making less than $40,000 a year have no credit cards at all.2 And one in ten Americans have no credit score whatsoever!3
In 2014 several firms were reprimanded and required to pay compensation for illegal practices; Wonga.com for using letters untruthfully purporting to be from solicitors to demand payment—a formal police investigation for fraud was being considered in 2014[61]—and Cash Genie, owned by multinational EZCorp, for a string of problems with the way it had imposed charges and collected money from borrowers who were in arrears.[62]
A staff report released by the Federal Reserve Bank of New York concluded that payday loans should not be categorized as "predatory" since they may improve household welfare.[45] "Defining and Detecting Predatory Lending" reports "if payday lenders raise household welfare by relaxing credit constraints, anti-predatory legislation may lower it." The author of the report, Donald P. Morgan, defined predatory lending as "a welfare reducing provision of credit." However, he also noted that the loans are very expensive, and that they are likely to be made to under-educated households or households of uncertain income.
There are a variety of loan types available to you with Snappy Payday Loans. The following are some of the more common types of loan products offered: Payday Loans, Installment Loans, Lines of Credit, Revolving Credit Plans. Once you select the state you reside in, you will be notified of the type of loan products available. As always, please review your loan documents carefully before you sign to ensure you understand the type of loan and terms being offered. Loans types and terms will vary by state law.
When you have bad credit, obtaining new credit can be challenging. People with bad credit often find it difficult to get approved for a loan, as there is a limited number of lenders that offer bad credit loans. When people with bad credit are approved for a loan, there are typically higher interest rates, more fees and greater restrictions than personal loans for people with good credit.
Borrowers usually charge a substantial amount in interest, often around 400 percent. With some payday loans, especially those that are extended, the amount you pay in interest is higher than the original loan amount. Payday loans have a reputation of being predatory, targeting those who have poor credit and very few options, need quick access to cash and need the loan to fill pay gaps.
Twelve million Americans use payday loans every year, according to the Pew Charitable Trusts. Generally anyone with a checking account and steady income can obtain a payday loan. However, it is most common for borrowers who don't have access to credit cards or savings accounts to use this type of loan. "Payday loans for bad credit" are attractive to people with no credit or credit problems.
Compare offers from multiple lenders. Even if you have to get the money in a hurry, take some extra time and see which lender in your area or online is the most reliable and/or can offer you the best deal. Finding the loan that works best for you is important. You might even want to compare some lenders now before you're hit with an emergency expense. That way, you can act quickly when you need to while staying confident that you're getting the best deal available.
Payday lenders generally do not report to the three main credit reporting bureaus — Equifax, Experian and TransUnion, so taking out one of these loans is unlikely to positively or negatively affect your credit score unless you have trouble with your repayments. Keeping that in mind, sometimes payday lenders send your repayment information to smaller credit reporting agencies, so that information can still be accessed by mainstream banks and lenders.
Payday loans can be a good tool for quickly and easily borrowing cash during an emergency if you don't have other financial options. For example, you might use a payday lender for an immediate and temporary financial need such as a medical bill, car repair or other one-time expense. Payday loans are helpful for people who don't have credit cards or savings available. Because the loans do not require a traditional credit check, they are easy for people with financial problems to obtain.
First-time online payday loans applicants can borrow between $200 and $600. Repeat borrowers with positive payment histories can be approved up to $1000. Mypaydayloan.com urges clients to borrow what they need and what they can comfortably pay back with their next paycheck. If you are looking for a small payday loan, please visit our Small Cash Advance Loans page.
Payday loans are legal in 27 states, and 9 others allows some form of short term storefront lending with restrictions. The remaining 14 and the District of Columbia forbid the practice.[64] The annual percentage rate (APR) is also limited in some jurisdictions to prevent usury.[65] And in some states, there are laws limiting the number of loans a borrower can take at a single time.
Some payday loan companies gather your personal information and then shop around for a lender. That means your information could go out to third parties as part of the lending process. Other companies will even sell contact information, leaving you dealing with sales calls and spam emails. LendUp protects customer information and will never sell it.
Payday loans, sometimes referred to as cash advance loans, have received quite a bit of bad press, but when used properly, a pay day loan can have a definite upside. A short term financial bind can happen to a lot of people and being able to get a small loan quickly can save you money by avoiding costly late fees or overdraft charges. Sure, $50 is a steep price to pay for a $300 payday loan, but if it means you are able to get your rent check, house payment, or car payment in on time and avoid the hefty late fees and possible damage to your credit score, it is more than worth it.
According to a study by The Pew Charitable Trusts, "Most payday loan borrowers [in the United States] are white, female, and are 25 to 44 years old. However, after controlling for other characteristics, there are five groups that have higher odds of having used a payday loan: those without a four-year college degree; home renters; African Americans; those earning below $40,000 annually; and those who are separated or divorced." Most borrowers use payday loans to cover ordinary living expenses over the course of months, not unexpected emergencies over the course of weeks. The average borrower is indebted about five months of the year.[14]
Title loans are very risky. Because you use your vehicle as collateral, it can be taken by the lender if you don't make your payment or come to an alternative arrangement. Often, that means rolling over your loan. The Consumer Financial Protection Bureau studied title loans and found that over 20 percent end in a car being repossessed. Only 12 percent of borrowers pay off the loan without having to renew. More than a third of borrowers end up taking out more than seven loans, meaning they have to pay nearly as much in fees as they borrowed in the first place.
A recent law journal note summarized the justifications for regulating payday lending. The summary notes that while it is difficult to quantify the impact on specific consumers, there are external parties who are clearly affected by the decision of a borrower to get a payday loan. Most directly impacted are the holders of other low interest debt from the same borrower, which now is less likely to be paid off since the limited income is first used to pay the fee associated with the payday loan. The external costs of this product can be expanded to include the businesses that are not patronized by the cash-strapped payday customer to the children and family who are left with fewer resources than before the loan. The external costs alone, forced on people given no choice in the matter, may be enough justification for stronger regulation even assuming that the borrower him or herself understood the full implications of the decision to seek a payday loan.[25]
There's always a big debate about which type of bad credit loan is best and it always boils down to signature loans vs payday loans. Allow us to set the record straight once and for all to definitively say that signature loans are better than payday loans and given the option, you should always choose a signature loan. Even shopping around for an online payday loan won't find you a better deal. You can take us at our word, which is backed up by 20+ years of experience in the lending industry, but let us prove why our online signature loans are better.
Financial Implications – The cost associated with short term loans of up to $500 can range from 15% to 40%, and these costs may climb even higher for loans that are greater than $500 in value. Before you sign your agreement, you should check these fees carefully. Similarly, there may also be charges applied for nonsufficient funds. As an example, if your $100 loan is 15 days past due, you may be assessed a charge that is equal to 10% of the principle balance as well as a $25 nonsufficient funds fee.
If you have concerns about taking a payday loan, don't worry. Check `n Go is an industry leader and a founding member of the Community Financial Services Association, which promotes responsible lending practices and monitors consumer protection. And we'll be here for you every step of the process. Our customer service representatives are ready to help when you need it.
Interest-only payment title loans: These loans work similarly to traditional title loans, but their repayment strategy is different. With interest-only payments, borrowers first pay off the amount of interest on the loan. They are then required to pay off the amount of the loan in full. Interest-only title loans usually last for a longer period of time than traditional title loans. Be careful with this type of loan, as you may end up paying more than you actually borrowed and still not pay off the loan.
With alternative payday loans, you may have the option to refinance your loan if you're making payments consistently on time. Refinancing your loan could lower your interest rate and help you save on the overall amount of the interest paid on the loan. You can also extend the length of the loan, which would lower your monthly payments but result in paying more in overall interest.
However, these advantages are tempered by several heavy disadvantages. Payday loans usually accrue high rates of interest. The United Kingdom's average annual interest rate for payday loans ranges from 30% to as much as 60%. Moreover, payday loans generally have very short repayment terms, generally from two weeks to a month (Hence the name - the loan should be repaid upon receiving your employer's next paydate).
The Consumer Service Alliance of Texas, which represents most payday lenders in the state, said it "has unfailingly supported efforts during this year's legislative session to create a safety net for those borrowers who unfortunately fall chronically behind in their ability to repay their debts." The group pledged to work with legislative leaders to "reach a consensus on a meaningful, effective solution."
2. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.
Though regulated at the state and federal level, there are still payday lenders that attempt to skirt the rules. Some are online-only lenders based in other countries. Other lenders work around state laws by operating out of Native American reservations. Be wary of brokers that offer to connect you with lending partners – this can result in a lot of calls and emails about offers.
While having a co-signer can boost your chances of a loan with more favorable terms and rates, there are drawbacks. These include potentially damaging the personal relationship with the co-signer as well as their credit if you default on the loan. Co-signers and borrowers should understand the terms of the loan and repercussions before taking out a loan.


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Mkt Cap (₹ Cr.)
Face Value (₹)
Other Operating
Operating Profit
Other Income
Net Profit
Maruti Suzuki India Ltd., incorporated in the year 1981, is a Large Cap company (having a market cap of Rs 194338.68 Crore) operating in Auto sector.
Maruti Suzuki India Ltd. key Products/Revenue Segments include Passenger Cars & Light Duty Utility Vehicles which contributed Rs 73131.40 Crore to Sales Value (89.19 % of Total Sales), Spare Parts & Components which contributed Rs 7180.30 Crore to Sales Value (8.75 % of Total Sales), Other Operating Revenue which contributed Rs 625.60 Crore to Sales Value (0.76 % of Total Sales), Scrap which contributed Rs 498.60 Crore to Sales Value (0.60 % of Total Sales), Service Income which contributed Rs 491.00 Crore to Sales Value (0.59 % of Total Sales), Rental Income which contributed Rs 42.70 Crore to Sales Value (0.05 % of Total Sales) and Mould & Dies which contributed Rs 24.80 Crore to Sales Value (0.03 % of Total Sales)for the year ending 31-Mar-2018.
For the quarter ended 31-03-2019, the company has reported a Standalone sales of Rs 20737.50 Crore, up 9.57 % from last quarter Sales of Rs 18926.40 Crore and up .70 % from last year same quarter Sales of Rs 20594.30 Crore Company has reported net profit after tax of Rs 1795.60 Crore in latest quarter.
The company's top management includes Mr.D S Brar, Mr.K Ayabe, Mr.K Ayukawa, Mr.K Saito, Mr.K Yamaguchi, Mr.O Suzuki, Mr.R C Bhargava, Mr.R P Singh, Mr.T Hasuike, Mr.T Suzuki, Ms.P Shroff, Ms.R S Karnad. Company has Deloitte Haskins & Sells LLP as its auditoRs As on 31-03-2019, the company has a total of 302,080,060 shares outstanding.

subset: commoncrawl


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Tips For Shopping Online
1. If you're considering buying a product online, browse the reviews. The reviews from other people that have used the product can give you a good idea about the product. You might be able to find out the caliber of the product, when it worked as described, and if you should have the purchase.
2. Although it may look tedious, make sure you read the contract and terms before you purchase at a website. These documents have valuable info on what you can and cannot do when you have a concern with the item that you bought. Read them thoroughly to ensure that you do not have an unwelcome surprise when trying to come back items.
3. If you're concerned with whether a shopping website is legitimate or otherwise, do some research about it. The internet may be a great way to find out about other people's experiences with different sites. When the reviews of others seem promising, consider making a small first order. This can permit you to test out the client service, shipping, and obtain a feel for the organization without risking a lot of money.
4. Before you start your web shopping, make sure that you've got up-to-date antivirus software. Online shopping is a hotbed for suspect websites. Some individuals build stores with the goal to infect your computer with malware. It's best which you take precautions prior to visiting any stores, no matter how reputable you feel they may be.
5. If you are going to be shopping online, make sure that you get it done from a computer connection you already know is secure, like one that you have in the home. Hackers look for WI-Fi connections in public places when they are scouting for victims, so avoid shopping when using them.


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Wood Bats
Wood Bats are baseball bats made from Ash, Maple, Bamboo, Birch , or a combination of composite materials and wood (Composite Wood). Maple is a dense wood that gives a baseball bat a heavier feel. Ash is the lightest type of wood bat and offers an excellent combination of strength and forgiveness with its flexible feel. Birch bats blend the hard hitting surface found in maple bats with a lighter, more flexible feel similar to ash. Composite Wood bats and Bamboo wood bats are the most durable designs on the market, but they are not legal in all Leagues. JustBats.com has 400 + wooden bat models for sale from all the top brands including Marucci, Baum Bats, Louisville Slugger, BamBooBat, and more!
Use our Wood Bat Resource Guide to get up-to-date on the most Frequently Asked Questions regarding wooden baseball bats. Still unsure of what Wooden Baseball Bat to select? Visit our Wood Bat Reviews or Wood Bat Buying Guide.
Need Help Finding a Bat?
We know that buying a bat might not be easy, but we are here to help!
Bat Coach
Answer a short series of guided questions to see bat recommendations created just for you.
What Our Fans Are Saying
As always, your prompt and excellent customer service is appreciated. I recommend your site to many of our coaches in the league and have bought 4 bats from you. Thank you.
Jacksonville, FL


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Posted on January 13, 2017
Everything begins with an idea. It may look crazy at first but devote yourself to your idea, struggle on it and do not forget that this is your dream. – MB
Category: Art Tagged:
Leave a Comment
Posted on January 4, 2017
They can see the flame that is in her eyes. There will be those who fan her flame but also those who will try to dampen her because they can not bear her fire. – MB
Posted on December 21, 2016
I was once afraid of people saying, "who does she think she is?" Now I have the courage to stand and say, "This is who I am."
Posted on December 1, 2016
Be careful with who you choose to have in your life. Energies are contagious. Surround yourself with people who reflect the way you want to feel. – MB
Posted on October 31, 2016
Stop giving people power to control your emotions and your worth. If you don't control your mind, someone else will. – MB
Sometimes, the most brilliant and intelligent minds do not shine in standardized tests because they do not have standardized minds.
Most of your problems aren't real problems.
Create a website or blog at WordPress.com


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Advanced Silhouette Studio
**this class IS INCLUDED in the All Access Pass**
Are you familiar with the basics of the Silhouette Studio software but want to learn more?
In this class we will cover some of the more advanced awesome tools and techniques that are available to use Silhouette Studio!
- This class will cost $39. [due to the digital nature of the information, the class cost is non refundable]
- This class will be accessed on Teachable
- You will be sent the Link to join the class on or before 6/12/19 to your email on file
Silhouette Studio software can be downloaded for FREE from:
- Designer Edition is REQUIRED
- Designer Edition + is OPTIONAL
- Business Edition is OPTIONAL
This class will be accessed through the Teachable Platform. You will be sent a PDF with the link to access the class on or before 6/12/19.


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|Stefan Monnier
|Re: bug#21: Scrolling occasionally stops in *compilation*
|Wed, 11 Jun 2008 14:57:00 -0400
|Gnus/5.13 (Gnus v5.13) Emacs/23.0.60 (gnu/linux)
>> Any e-mail sent to address@hidden (where XYZ is >> the bug number) will be CC-ed to bug-gnu-emacs automatically. >> This is what Stefan did. >> >> That is a pain in the neck for everyone on bug-gnu-emacs. > In what way? >> It should be cc'd to emacs-bug-tracker instead. > This is an example of a message which would have normally just been > sent to bug-gnu-emacs anyway. Think of address@hidden > as just an alias for bug-gnu-emacs in the case where nnn is a bug is > in the emacs package. >> It is good that e-mail sent to address@hidden is >> CC-ed to bug-gnu-emacs automatically. Simply turning this off >> would be bad. >> >> I don't see anything bad about it. >> Would you like to try to substantiate that statement? > If the messages don't go through the bug tracker before they hit > bug-gnu-emacs, you'd have no clue what bug is being discussed, nor > where to look to see the followup information, and you additionally > have to be subscribed to some other mailing list to get any > information about the bug at all. > We can easily stop sending all messages to bug-gnu-emacs if we want > to, but then no messages would go to bug-gnu-emacs at all, not even > the ones that were originally sent there. > From what I see, the primary issue is one of the bugs not being > threaded properly, which Stefan already raised with me, and is > http://bugs.debian.org/485697 I'm afraid there's a little misunderstanding, here. I believe Richard is not opposed to this message going to bug-gnu-emacs. It was Drew Adams who complained about it. I think Drew's complaint is that the message is out-of-context because I didn't include any References: or In-Reply-To: header. So he's not opposed to seeing those messages either, he was just annoyed at this particular one being useless. Stefan
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Picnic Time Ventura Seat Ohio State Buckeye Print qpy_55613
Hit the beach and soak up the sun with the Picnic Time Ventura Seat Ohio State Buckeye Print. This chair features armrests that can be inverted to increase the width of the seat to 20 inches, and 6 backrest positions for optimum comfort. Moreover, the high-density polyurethane foam fill provides firmness to prevent aches in your back and bottom.
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Design and Technology: Graphic Products at Willenhall E-ACT Academy
Course description
Studying Graphic Products at GCSE allows pupils to use a wide variety of materials and techniques. The course is delivered through a major coursework project, worth 60% of the final mark, lasting for around 16 months of the course, and a range of mini projects and tasks designed to build students subject knowledge in preparation for their exam. The exam is taken at the end of Year 11 and represents the remaining 40% of the marks. Students are offered a variety of projects for their coursework, all of which allow them the opportunity to explore a wide range of materials and techniques in order to design and produce a range of promotional items to support their product. These items can include packaging, point of sale displays, promotional t-shirts. Key rings etc. Pupils will use a range of materials and media, including paper, plastic and card and will be encouraged to explore and use a variety of Computer Aided Design and Computer Aided Manufacturing techniques. We have recently had a second suite of computers installed in the department to allow Graphic Product pupils unprecedented access to CAD/CAM and they will have the opportunity to use both the Laser cutter, and our new 3D printer in order to realise their final models. These facilities will allow pupils the potential to produce a large number of high quality designs and models giving them the potential to achieve good grades in the subject.
Entry requirements
By Negotiation
How to apply
If you want to apply for this course, you will need to contact Willenhall E-ACT Academy directly.


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Come get me
Come get me
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"dude, i almost had you!"
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- 33
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Looking for my best friend
My career keeps me pretty busy, so finding time to meet new people is tough. Decided to give this a shot. Love to laugh, and love to bust chops! So, please have a great sense of humor. Please be mature, but not too serious. I love to act like a kid, whenever possible. I love taking my car to...
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Absolutly love cars!
I have a 1998 svt cobra, 2014 mustang GT, and 1998 Porsche Boxster. I'm an adventurous guy and like going for drives with no destination. If you have any questions please ask! :)
Need a woman who is car crazy
Need a woman who is car crazy
I like a woman who is friendly, affectionate and energetic. Cars are kind of a big deal in my life as you'll quickly find out so if you like cars a lot I'm your man.
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Message me if you want to talk.
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Looking for the match of a liftetime. A girl who just gets it. If I'm working on the race car, can you get me the wrench I need? How bout staging me? Is life that hard?
Looking for a car women
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- 31
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Looking for a good time
I am a passionate photography that regularly attends car shows. I am a CSUF alumni.


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Jussi Risto May 29, 2019 4I'm very pleased with the Pp Corrugated Plastic Plate . The only downside was everything was in Chinese on the instruction manual. but the supplier send me again in English, thanks for patience!
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Kellogg's Immunity Claims Draw Fire
Kellogg counters that the increase in vitamins means the cereals do promote good health.
In a statement, the company says, "These nutrients have been identified by the Institute of Medicine and other studies as playing an important role in the body's immune system. Therefore, we believe the claim ... is supported by reliable and competent scientific evidence."
Kellogg also disputes the claim that it's playing on parents' H1N1 fears, saying it began developing the line of cereals in focus more than a year ago, before most people even knew of H1N1, adding that the cereals have been on store shelves since May.
But registered dietician Keri Glassman, an "Early Show" contributor, was sharply critical of the Kellogg claims Tuesday, telling co-anchor Maggie Rodriguez simply adding some vitamins "absolutely" doesn't make the cereals healthier. "Fortifying healthy foods," Glassman says, "is important and actually is a way that many people in this country meet their nutrient needs. Fortifying a junk food, though, absolutely does not make it health food.
"The second ingredient in Cocoa Krispies, which is the one I have the real problem with, is sugar. It also has high-fructose corn syrup, another refined sugar, and partially hydrogenated oils, otherwise known as trans-fats. Overdosing on sugar actually weakens our immune system. So, although antioxidants are important to boost our immune system, slapping it on a sugared cereal, we can't slap immunity across it. It's very misleading to go parents out there, especially with what's going on in the world right now (H1N1)."
Glassman pointed to several widely-available foods that have been shown to help immunity.
They include:
Oranges, grapefruits and berries
These foods contain vitamin C. Increases the production of infection fighting white blood cells and antibodies that help prevent viruses.
Sunflower seeds, wheat germ and nuts
These foods contain vitamin E, another important antioxidant that stimulates production of cells that help destroy germs.
Contains the active ingredien allicin, which fights infection and bacteria. Also, may help prevent cancer.
Salmon, mackerel, sardines and herring are rich in omega-3 fats, which reduce inflammation, increasing airflow and protecting lungs from colds and respiratory infections.
The amino acid that's responsible for tea's immune boosting abilities is L-theanine, and is found in both black and green tea--decaf versions have it, too.
Beef / Poultry
Zinc is an immune boosting mineral. Mild zinc deficiency can increase your risk of infection. Zinc in your diet is very important for the development of white blood cells, the immune system cells destroy invading bacteria and viruses. You can find zinc in oysters, beans, turkey and beef.
Sweet Potato
Your skin is part of your immune system; it's actually your first line of defense against bacteria and viruses. Beta carotene is a precursor to vitamin A which plays a major role in the production of connective tissue, a key component of skin. Think sweet potatoes, carrots and cantaloupe.
Mushrooms have been used for centuries around the world to boost the immune system. Mushrooms increase the production and activity of white blood cells that fight infection.


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Il prezzo di Calvé Salsa Hot Chicken Calvè'- Bottiglia Squeeze - 250 Ml - Calvé è 6.94 € . Questo prodotto appartiene alla Calvé
Prezzo 6.94 €
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Replica Hermes This would effectively transfer 50 per cent ownership of the joint venture brand to the Gap company. Gap would cost an estimated $6 million. The lack of earnings contribution from the Gap joint venture, we think the exit costs of $5.8 million, while large, could refocus management back on the core Oroton brand which has been profitable. Replica Hermes
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|Avg Daily Volume
|Day Movement
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|Year Return (Capital)
|As at
Articles for Helloworld Limited (ASX: HLO)
3 top mid cap ASX growth shares to buy this week
James Mickleboro | May 16, 2019
Bravura Solutions Ltd (ASX:BVS) shares are one of three in the mid cap space that I would buy this week... More »
Should you buy Crown Resorts, Webjet Limited, & these ASX travel and tourism shares?
James Mickleboro | May 15, 2019
Should you buy Crown Resorts Ltd (ASX:CWN), Webjet Limited (ASX:WEB), and these ASX travel and tourism shares? More »
3 great value ASX shares I would buy today
James Mickleboro | May 8, 2019
Aristocrat Leisure Limited (ASX:ALL) shares are one of three that I think offer great value for money right now... More »
Should you buy Blackmores and these beaten down ASX shares?
James Mickleboro | May 7, 2019
The Blackmores Limited (ASX:BKL) share price has been beaten down in 2019 along with two other shares. Is it time to invest? More »
ALL ORDINARIES finishes lower Wednesday: 8 shares you missed
Tristan Harrison | April 17, 2019
The S&P/ASX 200 (Index:^AXJO)(ASX:XJO) and ALL ORDINARIES (Index:^AXAO) (ASX:XAO) finished lower on Wednesday. More »
Why Dulux, Helloworld, LiveTiles, & Megaport shares stormed higher today
James Mickleboro | April 17, 2019
The DuluxGroup Ltd (ASX:DLX) share price and the Megaport Ltd (ASX:MP1) share price are two of four storming higher on Wednesday. Here's why... More »
Trading update: Here's why Helloworld shares are flying today
Motley Fool Staff | April 17, 2019
Helloworld Ltd (ASX: HLO) shares are on fire. More »
Insiders have been buying InvoCare and 2 other ASX shares this week
James Mickleboro | April 12, 2019
Insiders have been buying InvoCare Limited (ASX:IVC) shares and two other ASX shares this week... More »
Where to invest your Woolworths dividends today
James Mickleboro | April 5, 2019
The Woolworths Group Ltd (ASX:WOW) dividend will be paid to shareholders on Friday. Here's where I would invest these funds in the ASX... More »
The Webjet share price shot up 37% in 3 months: Is now the time to buy?
Audrey Thehamihardja | March 28, 2019
The Webjet Limited (ASX: WEB) share price has had a tremendous year, but is it too late to buy into its growth? More »
Should you buy these cheap All Ords shares?
James Mickleboro | March 28, 2019
The Helloworld Travel Ltd (ASX:HLO) share price is one of three trading at a 52-week low. Should you invest? More »
Analyst: Webjet share price target is $17
Motley Fool Staff | March 27, 2019
Are Webjet Limited (ASX:WEB) shares cheap? More »
Should you buy Costa Group and these beaten down ASX shares?
James Mickleboro | March 27, 2019
The Costa Group Holdings Ltd (ASX:CGC) share price has fallen heavily in 2019 along with these ASX shares. Is this a buying opportunity? More »
3 exciting ASX growth shares to buy in April
James Mickleboro | March 26, 2019
Appen Ltd (ASX:APX) shares are one of three that I think growth investors ought to buy in April. Here's why... More »


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December's online MC session was a hit!
On December 17, teachers Jared Sutton and Jason James presented Setting Expectations and Giving Feedback in Mastery Classrooms, the topic chosen by popular demand from MC members. Jared and Jason presented the mastery system they use in their math and science classes at Carroll Gardens School for Innovation (aka CGSI, MS 442). They then led a discussion about using mastery to set clear expectations and generate useful feedback cycles for students.
Jason, who teaches science to middle schoolers at CGSI, reported, "Mastery-based feedback has taken the fear of assessment away from students. They now see it [assessment] as an opportunity to know where they are in my class."
Jason also noted that the school's mastery framework encourages teachers to build in multiple opportunities for students to show mastery. "(Students) have knowledge that they can try again. It's not: 'We didn't learn it, we are moving on.' It's: 'We didn't learn it, now we have another chance!'"
On the value of formative assessment within CGSI's mastery grading system, Jared reflected, "The work each day is based on previous assessments, so that instruction and tasks are responsive to student's level of competency."
You can access the CGSI presentation here, and a recording of the entire online session here.
Upcoming Events
January's Online Session
When: Wednesday, January 21, 2015, 4:00-5:00 PM
What: Conversation with Christy Kingham, The Young Woman's Leadership School of Astoria (TYWLS)
Topic: Providing Multiple Attempts to Show Mastery Over Time
Our January Mastery Collaborative Online meeting will be co-facilitated by Christy Kingham of The Young Women's Leadership School of Astoria. Christy has been using mastery in her classroom for more than six years, and has a wealth of knowledge about competencies and outcomes. Her website, Christy's Classroom, is an incredible resource that includes a breakdown of the system at TYWLS, as well as rubrics and curriculum.
Sign up for what is bound to be a rich and useful discussion.
February Mastery Collaborative LIVE Event
When: Wednesday, February 25th, 4:00 - 6:00 PM
Where: TBD - location will be finalized soon!
Topic: Platforms and Tools that Support Mastery-Based Grading featuring Ed Tech Partners from JumpRope, Haiku, ItsLearning, MasteryConnect, Schoology, and more.
PROSE Application
Monthly online sessions:
April 15, 2015 - TBD - ONLINE SESSION
May 20, 2015 - TBD - ONLINE SESSION
Quarterly in person sessions:
February 25, 2015 - Platforms and Tools that Support Mastery-Based Tracking (featuring tech partners) – IN PERSON SESSION - Location TBD
June 3, 2015 - Structures for mastery resource share - IN PERSON SESSION
Mastery Collaborative Schools
Here is a list of the members of the Mastery Collaborative working group. Participating schools complete a 'Mastery Inventory' form, and agree to share resources such as frameworks, templates, and exemplar competency maps, rubrics, and assignments. Please contact us or fill out the Mastery Collaborative Sign-Up Form if you or others at your school are interested in joining our working group!
Academy of Innovative Technology
Academy for Software Engineering
Bronx Academy for Software Engineering
Bronx Arena High School
Bronx Compass High School
Bronx International High School
Brooklyn International High School
Carroll Gardens School for Innovation
City-As School
Community Health Academy
Curtis High School
East Bronx Academy for the Future
EPIC High School North
EPIC High School South
The Facing History High School
Fannie Lou Hamer Freedom High School
Frederick Douglas Academy VII
Hillcrest High School
Hudson High School for Learning Technologies
The James Baldwin School
Laboratory School of Finance Technology
Manhattan International High School
Nelson Mandela School for Social Justice
New Design High School
New Directions Secondary School
North Queens Community High School
NYC Lab High School for Collaborative Studies
NYC Lab Middle School for Collaborative Studies
Olympus Academy
Pan American International HS at Monroe
Quest to Learn
Satellite Academy
School of the Future
Urban Assembly Maker Academy
The Young Women's Leadership School of Astoria
Urban Assembly School of Design and Construction
In This Issue
January Online Session Recap
Sign-Up for Future Events
Schedule for Year
Previous Event Links
Mastery Collaborative Launch Slide Deck
Pictures from the event
Mastery Inventory Results
November Online Session Slide Deck
December Online Session Slide Deck
January Online Session Sign-Up
February Digital Tools Event Sign-Up
Join the Mastery Collaborative
Mastery Collaborative Google Folder
Mastery Collaborative Folder
Examples of Competencies/Outcomes
Progress Report Examples
Other Mastery Resources
Competency Works
An online resource blog dedicated to providing information and knowledge about competency education in the K-12 education system
Video Link
Mastery-Based Learning - Featured FDA VII HS
The Art and Science of Designing Competencies Issue Brief
The Shift from Cohorts to Competency
Digital Learning Now paper, including background, FAQs, and 10 capabilities of a competency-aligned system
This newsletter supports the Mastery Collaborative by connecting the growing number of NYC-based mastery practitioners and spreading the word about upcoming sessions, shared resources, and other opportunities.
If someone forwarded this newsletter to you, you can sign up to get information about upcoming events, recaps of recent events, links for sign-ups, surveys, and profiles of mastery practices at participating schools.
Listed above, you will find links to our shared folders containing resources from the community and links to a growing number of resources from around the country.


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Price range, per nightmin R max R
Honeydew, Rosebank JHB, Kensington, Sandton, Melville, Bryanston, Gold Reef City, Braamfontein, Melrose, Fourways, Dinokeng, Midrand, Northcliff - Johannesburg, Linden, Houghton, O.R. Tambo Airport, Lanseria, Auckland Park, Rivonia, Johannesburg (Joburg)
Johannesburg Zoo, Bensusan Photographic Museum, SAB World of Beer, Hillbrow Tower, Liliesleaf Farm, Satyagraha House, Enoch Sontonga Memorial Park, Sandton City, Moyo Restaurants, Nelson Mandela Square, Newtown Cultural Precinct, Johannesburg Art Gallery and Sculpture Park, Nelson Mandela Bridge, Constitution Hill, Brenthurst Gardens, Apartheid Museum, Oriental Plaza, Radium Beer Hall, The Bag Factory, Standard Bank Gallery, ABSA Art Gallery, MuseuMAfricA
With a major arterial road running down its centre, Dunkeld West in Johannesburg is a blend of commercial and residential properties. Behind all the enterprising business activity lies a peaceful neighbourhood with dignified homes, the street noise stifled by broad tree-lined avenues and high walls. The suburb's newer developments have master built cluster homes and stylish apartments where no expense has been spared on design and fittings.
Dunkeld West residents have corner bakeries, fine dining restaurants, art galleries and extraordinary shopping facilities on their doorstep. And the suburb boasts a large park, beautifully maintained by its inhabitants.
Some of Johannesburg's top advertising agencies have found a home here, attracted to the buzz, close to good eateries for lunchtime staff meetings and wine bars for after hour client engagements. A national radio station and national TV broadcaster are located here too and the chic Hyde Park shopping centre and an international hotel adjoins the suburb.
Top... Show more
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Providing Leadership in Public Health Management
Durham Region
The Health Neighbourhoods initiative examines information for 50 Health Neighbourhoods in Durham Region to better understand patterns of health in our communities. The ultimate goal is to support strong, safe and equitable neighbourhoods that improve the health and well-being of all residents.
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2019-04-23Province announces significant changes to public health
2019-03-21CMOH Annual Report Released
2018-10-12alPHa Presents on Bill 36, Cannabis Statute Law Amendment Act, 2018
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State Sen. David Pearce, R-Warrensburg, paid a visit Wednesday to the 139th Airlift Wing, along with fellow Sen. Dr. Rob Schaaf, R-St. Joseph.
The visit included a briefing by senior leaders of the Air Guard unit based at Rosecrans Memorial Airport.
With 1,100 airmen, the Wing is the state's largest concentration of Guard personnel, said Col. Ralph Schweder, commander. The Air Guard has the same or better capabilities than similar active duty units at about one-fourth the cost, he added.
The visit came about because of meetings with the Community Alliance of St. Joseph's Steve Johnston earlier this year. "The visit is a chance to explain in more detail what goes on at Rosecrans," Mr. Johnston said.
It's the first time two state senators serving on the appropriations committee have paid a visit, said R.T. Turner, presiding county commissioner. The community will need to continue looking for support from the state, and needs leaders like these two to assist, he added.
For instance, Dr. Schaaf was instrumental in obtaining $2 million from the state's general revenue funds to begin levee repairs. Costs for levee repairs are rising and currently sit between $66 million and $70 million.
It was noted that levees are protecting about a billion dollars' worth of government assets on the base.
The Wing's next overseas mission will be to Malaysia in June, said Col. Ed Black, 129th Operations Group commander. "We are operational 24/7 worldwide, with airlift support," Mr. Black said.
"I'm surprised, because I hadn't seen the breadth of what was going on here," Mr. Pearce said.
Mr. Turner said he'd be working with the city to find the best way to begin making $2 million worth of levee improvements, so the state would want to assist again next year.


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2km square region of the approach to Mt Sharp in Gale crater
January 1st 2017


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The Marquess Tavern
£25 and under
Gastro Pub
Welcome to The Marquess Tavern. We are a small intimate dining pub serving fresh food daily. The maximum booking we can accommodate is a table of 8. We look forward to seeing you soon.
Dining Style
Casual Dining
Gastro Pub
Hours of Operation
Mon–Thu 17:00–23:00
Fri, Sat 12:00–23:00
Sun 12:00–22:00
Fri, Sat 12:00–23:00
Sun 12:00–22:00
Phone number
020 7359 4615
Payment Options
MasterCard, Visa
Dress Code
Casual Dress
Public Transit
Rail: Essex Road;
Underground: Highbury & Islington, Angel
Underground: Highbury & Islington, Angel
Banquet, Bar/Lounge, Beer, Fireplace, Full Bar, Outdoor dining , Patio/Outdoor Dining, Wine


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The Wells-Index milling head is a much more robust and durable design for heavy cutting with most components such as the spindle diameter, bearings, gears, …
Bridgeport, Clausing, Rockwell, Supermax, and other Vertical milling machines, Horizontal, and CNC Mills at a reasonable price and ready for delivery. Used Milling Machines, Right Angle Attachments, Arbors, Riser Blocks and Boring Heads . Phone (815)434-5897 Fax (815)434-5898 Ottawa, Illinois.
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text:
Even though Dani pleads with her to take Wil to the police, Sheryl attempts to put everything behind her.
Meanwhile, Garry turns to Dani for advice, but she's busy worrying about Gethin.
Ceisia Sheryl roi'r wythnos flaenorol tu cefn iddi, ond mae Dani yn rhoi pwysau arni i fynd â Wil at yr heddlu.
Mae Garry'n troi at Dani am gyngor ond poeni am Gethin mae hi.


text:
alternative name
|Year: 1966
|Category: Broadcast Receiver - or past WW2 Tuner
|Semiconductors (the count is only for transistors)
|Main principle
|Super-Heterodyne (Super in general); ZF/IF 465 kHz
|Tuned circuits
|4 AM circuit(s)
|Wave bands
|Broadcast, Long Wave and Short Wave.
|Power type and voltage
|Dry Batteries / 6 × 1,5 Volt
|Permanent Magnet Dynamic (PDyn) Loudspeaker (moving coil) - elliptical
|Power out
|0.15 W (unknown quality)
|from Radiomuseum.org
|Model: Ivolga {Иволга} 66 - Industrial Union Poliot,
|Wooden case
|Tablemodel, Mantel/Midget/Compact up to 14" width, but not a Portable (See power data. Sometimes with handle but for mains only).
|Dimensions (WHD)
|345 x 170 x 190 mm / 13.6 x 6.7 x 7.5 inch
|Transistors: 2 x p423, 2 x p402, 5 x mp41. SW range 3.95 - 12.1 MHz.
|Net weight (2.2 lb = 1 kg)
|4 kg / 8 lb 13 oz (8.811 lb)
|Source of data
|-- Schematic
Model page created by Zenonas Langaitis. See "Data change" for further contributors.
All listed radios etc. from Industrial Union Poliot, Cheliabinsk
Here you find 20 models, 19 with images and 12 with schematics for wireless sets etc. In French: TSF for Télégraphie sans fil.


text:
It doesn't matter how many pushups you can do in a minute if you're not doing a single one correctly. "There is no point in performing any exercise without proper form," says Stokes, who recommends thinking in terms of progression: Perfect your technique, then later add weight and/or speed. This is especially important if your workout calls for performing "as many reps as possible" during a set amount of time. Choose quality over quantity, and you can stay injury-free.
Always be sure you get regular servings of dairy products, calcium-rich tofu and greens, and calcium-fortified orange juice. Also, eat lean meat and/or high-quality protein combinations such as pinto beans and rice. Avoid fiber supplements as these bind calcium and other minerals in the intestinal tract. When this happens the absorption of essential nutrients decreases.
For a strong backside that will turn heads wherever you go, Marta Montenegro, a Miami-based exercise physiologist and strength and conditioning coach, recommends completing 100 kettlebell swings nonstop with a moderate weight at the end of a legs workout. [Tweet this tip!] If you can't access a kettlebell, do deadlifts and hip-thrusters instead. "Women tend to overemphasize the quadriceps even when they think they are working the butt. With these two exercises, you'll have no problem engaging the glutes and posterior muscles of the legs," Montenegro says.
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Many women and teenage girls don't get enough calcium. Calcium-rich foods are critical to healthy bones and can help you avoid osteoporosis, a bone-weakening disease. Additionally, recent studies suggest that consuming calcium-rich foods as part of a healthy diet may aid weight loss in obese women while minimizing bone turnover. The National Institute of Medicine recommends the following calcium intake, for different ages:
It's even more important for older people to stay hydrated. Age can bring a decreased sensitivity to thirst. Moreover, it's sometime harder for those who are feeble to get up and get something to drink. Or sometimes a problem with incontinence creates a hesitancy to drink enough. Those who are aging should make drinking water throughout the day a priority.
Part of the reason why so many women fail to get the amount of iron they need is because one of the best sources of iron is red meat (especially liver) which also contains high levels of saturated fat. While leafy green vegetables and beans are also good sources of iron—and don't contain high levels saturated fat—the iron from plant foods is different to the iron from animal sources, and not absorbed as well by the body. Other foods rich in iron include poultry, seafood, dried fruit such as raisins and apricots, and iron-fortified cereals, breads, and pastas.
Fiber is an important part of an overall healthy eating plan. Good sources of fiber include fortified cereal, many whole-grain breads, beans, fruits (especially berries), dark green leafy vegetables, all types of squash, and nuts. Look on the Nutrition Facts label for fiber content in processed foods like cereals and breads. Use the search tool on this USDA page to find the amount of fiber in whole foods like fruits and vegetables.
When you're at the bar or a party and starving, your options aren't always the best. But if it's bruschetta, chips and salsa, or wings, go for the chicken (though nuts would be even better). Protein fills you up faster than carbs do, making it less likely that you'll overeat, says Christopher Ochner, Ph.D., a research associate at New York Obesity Nutrition Research Center at St. Luke's Roosevelt Hospital Center. And since it'll keep you satiated longer, you won't be as tempted when your friend orders a brownie sundae or brings out a tray of blondies.
Frankly, looking around, it seems your choice is either a magazine that barely addresses fitness, or going straight to the hardcore muscle-building mags. I was hoping for something reasonably in-between with Women's Health, but failed to find it. If someone knows of such a magazine, I'd be interested to hear it (I tried Women's Fitness, which suffers from the same problems as Women's Health). The good news is that my subscription to Women's Health seemed to get me a good price on Men's Health, which I am switching over to because some reviewers recommended it for those disappointed with the content of WH. I'll see how that works out.
The tiny gender differences in minerals other than calcium and iron depend on body size. But while the dietary requirements for selenium fit this rule, men may benefit from supplements of about 200 micrograms a day, a level about four times above the RDA. That's because both a clinical trial and an observational study suggest that selenium may reduce the risk of prostate cancer. It's far from proven, but it's something for men to consider.
Instinct may tell you to slow down when running in wintery conditions, but the secret to not slipping is actually to speed up and shorten your stride. Aim to have each foot strike the ground 90 times per minute, says Terry Chiplin, owner of Active at Altitude, a Colorado-based facility for endurance athletes. This high cadence helps ensure that each foot lands beneath the center of your weight rather than ahead of it, which can throw off your balance on slick terrain.
Choline: Some studies link low choline levels to increased risk of neural tube defects. Recommended levels have been established for this nutrient, but it's easy to get enough in your diet. Eggs are an excellent source of choline, for example. "Eating a few eggs a week should give you all you need," Frechman says. "Most people can eat the equivalent of an egg a day without worrying about cholesterol." Other choline-rich food sources include milks, liver, and peanuts.
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If motivation is your hang-up, change your exercise routine every 14 days. A University of Florida study discovered that people who modified their workouts twice a month were more likely than to stick to their plans compared to those who changed their regimens whenever they wanted to. Boredom didn't appear to be a factor; it seems people simply enjoyed the variety more.
When women reach childbearing age, they need to eat enough folate (or folic acid) to help decrease the risk of birth defects. The requirement for women who are not pregnant is 400 micrograms (mcg) per day. Including adequate amounts of foods that naturally contain folate, such as citrus fruits, leafy greens, beans and peas will help increase your intake of this B vitamin. There also are many foods that are fortified with folic acid, such as breakfast cereals, some rices and breads. Eating a variety of foods is recommended to help meet nutrient needs, but a dietary supplement with folic acid also may be necessary. This is especially true for women who are pregnant or breast-feeding, since their daily need for folate is higher, 600 mcg and 500 mcg per day, respectively. Be sure to check with your physician or a registered dietitian nutritionist before taking any supplements., .
Foods that contain natural folic acid include orange juice, green leafy vegetables, peas, peanuts and beans. (One cup of cooked kidney beans contains 230 mcg of folic acid.) Fortified foods, such as ready-to-eat breakfast cereals, also contain a synthetic form of folic acid, which is more easily absorbed by your body than the natural form. Folic acid is now added to all enriched grain products (thiamin, riboflavin, niacin, and iron have been added to enriched grains for many years).
Choline: Some studies link low choline levels to increased risk of neural tube defects. Recommended levels have been established for this nutrient, but it's easy to get enough in your diet. Eggs are an excellent source of choline, for example. "Eating a few eggs a week should give you all you need," Frechman says. "Most people can eat the equivalent of an egg a day without worrying about cholesterol." Other choline-rich food sources include milks, liver, and peanuts.
Poor nutrition can manifest itself in many ways. The more obvious symptoms of a nutritional deficiency include dull, dry or shedding hair; red, dry, pale or dull eyes; spoon-shaped, brittle or ridged nails; bleeding gums; swollen, red, cracked lips; flaky skin that doesn't heal quickly; swelling in your legs and feet; wasted, weak muscles; memory loss; and fatigue.
The Center Method for Diastasis Rec Recovery™ offers a highly successful program that investigates the history and epidemic of this condition. This program has been researched and applied for over 15 years and is aimed at all populations – postnatal women, weightlifters, elite athletes and young adults. Our formula for success includes incorporating fascia, bones and muscles in the healing process.
When trying to adopt new healthy habits, it's important to work around other long-standing practices that could sabotage your efforts if overlooked. For example, if you are a morning person, working out in the a.m. is likely best, but if you're a night person, exercise after work, says Tara Stiles, owner of Strala Yoga in New York City. [Tweet at Tara!]"Don't try to become one or the other if it's not natural to you. You're more likely to stick to it if you like the time of day and the whole experience."
Sugar is a source of calories, not nutrients. Consuming too much sugar can lead to weight gain and tooth decay. Contrary to what many people think, there is no evidence linking high-sugar diets to hyperactivity or diabetes. However, high-fructose corn syrup, found in most processed foods, is linked with obesity, and obesity increases your risk for developing diabetes and other conditions.
Having the proper footwear is essential for any workout, and for winter runs, that means sneaks with EVA (ethylene vinyl acetate), says Polly de Mille, an exercise physiologist who oversees New York Road Runner's Learning Series for first-time New York City Marathon runners. "Polyurethane tends to get really stiff and cold in the winter, which could increase your risk of injury." Another important feature is a waterproof and windproof upper: Look for shoes made with Gortex, or wrap your mesh uppers in duct tape to keep feet dry and warm.


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Today, May 6, 2019, the Texas legislators are slated to vote on a version of the school finance legislation, House Bill 3, that includes a proposal to add four more writing tests and tie school funding directly to third-grade STAAR results. The new exams would bring the total number of annual assessments to 21 and
Tag: teaching
Most days I wake up with my daily routine on my mind. I anticipate my workout and the associated feelings of accomplishment after I complete the sweat session. Ever mindful of the time, I continuously monitor the clock to make sure I have ample time for prayer, Bible study, and writing. Then it is a
Originally posted on Vision in Practice:
As educators in Texas plan instruction, one impactful set of data to consider is included on the Confidential Student Report of the Texas English Language Proficiency Assessment System (TELPAS) Proficiency Ratings per Language Domain. As English Language Learners (ELLs) are assessed annually in Listening, Speaking, Reading, and Writing, educators…
Summer is in full effect. Swimming, family trips, and other leisure activities are also in full effect. As a result, I am sure that professional learning is not ranked very high on the summer fun list for most teachers. The funny thing is the summer presents the most optimal time for exploring very meaningful professional development ideas. I


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