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10 homeware stores in Seoul to know
23 October 2016
The South Korean homeware business is a nascent industry brimming with potential. With the global craze on Korean culture, the industry is seeing rapid growth just like the country's fashion industry. According to The Korea Herald, the domestic homeware market grew more than 30 percent to 20.1 trillion won (US$17.8 billion) in 2013 from 2010.
There's now a growing interest in home furnishing, and with the rise of income level of South Koreans, lifestyle retail stores start popping up to meet the demand. From traditional Korean knickknacks to Scandinavian-style furniture, there are plenty of shops that cater to your taste:
Market m*
Market m* is the upmarket version of IKEA that sells wooden furniture and other household things from Korea and Japan. If minimalism is the theme of your home, Market m* has plenty of simple yet functional furniture and goods for your everyday living in neutral and cool colours.
Market m*, 5 Jahamun-ro 13-gil, Jongno-gu
The largest homeware store in Gangnam, Rooming boasts a diverse product selection that includes lighting, artwork which sell for millions of won, decorative knickknacks and artsy furniture. The store stocks plenty of products by top designers, such as Poul Henningsen and Enzo Mari.
Rooming, Seorae-ro 6, Seocho-gu
H-pix stocks plenty of foreign brands with Scandinavian aesthetics. Some of the brands worth checking out include Odeme, Hay, Beija Flor, Menu, and Donna Wilson.
H-pix, Itaewon-ro 54-gil, 20 Yongsan-gu
See also: 10 minimalist Korean home decor ideas
Chapter 1
Chapter 1 sells local and foreign brands as well as its own line of jujube tree-inspired collection Naknak, and brassware and wooden collection Jandam. One of its signature items on sale includes the handmade tableware.
Chapter 1, The Paper Building, 48 Nonhyeon-ro 151-gil, B1 Gangnam-gu
Jonginamoo Gallery
Jonginamoo Gallery is the place to buy traditional-styled Korean furniture and decorative items, including a variety of lamps with hanji-made shades ('hanji' is Korean for handmade paper) for those who appreciate the Korean aesthetics.
Jonginamoo Gallery, 3 Bukchon-ro 5-gil, Jongno-gu
See also: 5 things you need to know about Seoul Refined
A pottery store selling natural glazed pottery, Yido also organises pottery classes for those looking to create a more personalised piece. The store's complex includes a pottery academy, a basement café and a gallery.
Yido, 191 Changdeokgung-gil, Jongno-gu
Considered to be one of Korea's first lifestyle brands, JAJU's goal is to offer simple, affordable well-designed household products that cater to the masses. It's often referred to as the Korea's version of Muji, a Japanese lifestyle brand. JAJU's unique and colourful selections of banchan plates are a bestseller.
JAJU, 15, Dosan-daero 13-gil, Gangnam-gu
Kosney Lifestyle Shop
Kosney is a spacious shopping mall that offers virtually everything, including homeware. The store also offers assistance for foreigners in Japanese and English. Some of its popular products on sale include the marble and copper collection, jewel box collection, and fabric storage basket collection.
Kosney, 27, Myeongdong 8-gil, Jung-gu
See also: 10 Michelin starred restaurants in Asia to try
J'aime blanc
J'aime blanc is the go-to store for parents looking to renovate or decorate their babies and children's room. The two-storey store stocks adorable, colourful furniture and decorative pieces that appeal to children and the young at heart.
J'aime blanc, Hannam-daero 20-gil 21 Yongsan-gu
8 Colors
Stocking a variety of vintage-inspired items along with its own cushion collection, 8 Colors is worth trawling through. Local brands on sale at the store include Main and Roh. 8 colors also carries international brands like House Doctor and Hay.
8 Colors, Youngkwang Building, 35 Bangbaero 42-gil, Seocho-gu
Written by Dayana Sobri
See also: 5 must-try restaurants to try in Seoul according to Chef Matthew Chung


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VIDEO: Solo (1996)
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Mario Van Peebles is a robot designed by the military to be the ultimate soldier. Goofy? Yes. A ripoff of better movies? Yes. A fun, sci-fi action film to entertain you on a lazy Saturday afternoon? Yes.

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Many thanks to Eric for this recipe.
1-8 bone lamb rack, trimmed of excess fat and cut into 2 portions
For the crust:
2 Tbsp olive oil
2 Tbsp each chopped mint and parsley
2 tsp Moroccan La Kama
Coarse salt to taste
For the sauce:
1 cup chicken stock
1/2 cup tomato sauce
1 tbsp each chopped mint and parsley
pinch sugar and salt and pepper to taste
Let lamb rest at room temperature for at least 1 hour before cooking. Preheat oven to 450F. Combine crust ingredients in a small bowl. Rub lamb with crust mixture. Roast, approximately 15 minutes for rare, 20 for medium rare and 25 for medium. Remove from pan and place on a plate. Let rest, loosely covered with foil, for 10 minutes.
While this occurs, you can make the sauce. Remove excess fat from the lamb cooking pan, then put it on the stove with the stock, tomato sauce and sugar. Simmer and stir until lightly thickened.
Add mint, parsley and salt and pepper to taste. Serve lamb, whole or sliced into chops, on a pool of sauce. Accompany with a selection of simply steamed market vegetables such as new potatoes, beans, carrots and chard.
The leftover sauce is fantastic used as pizza sauce the next day!


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Up and rising boy group NTB from OneWorld Entertainment has just released the teaser for their new MV 'Dramatic.' They will be making their Korean debut on May 28th later this month with a mini album. The mini album contains five tracks. Before this, they were promoting in Japan after having a few concerts there.
Check out NTB's teaser for 'Dramatic' below!
The teaser starts off with one of the members relaxing on a bed. The camera pans to a clock ticking, and then to shots of all six members walking down a street in Japan. It then shows the six members standing on a roof. The camera cuts again to the same member that was lying down, except this time he is sitting up. He stands up to answer a knock on the door.
The members are then seen running down a long road. When the same member goes to open the door, the teaser ends, and the audience are left waiting in suspense to see what happens next. The audience also gets to hear a little snippet of the song, and it is obvious that the song will live up to its title of 'Dramatic.'
Are you anticipating NTB's debut with 'Dramatic'? Let us know in the comments below!
Keep following Officially Kmusic for more music updates!
Written by Lindsay
Edited by Tracey
- Excited
- Fascinated
- Amused
- Bored
- Sad
- Angry


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3 Diseases Carried by Rodents
They may be small and cute, but non-domesticated rodents carry deadly diseases and parasites that can be transmitted to other animals and humans. In addition to rats and mice, rodents also refer to squirrels, porcupines, hamsters, prairie dogs and rabbits. You could become infected by touching them, inhaling airborne germs, drinking contaminated water, and even by accidentally running over one while mowing. Take a look at these 3 diseases rodents are capable of carrying and how you can avoid becoming infected.
Tularemia, or rabbit fever, is caused by a bacteria often carried from the infected animal via a tick. Otherwise, you can get sick directly from the animal itself. Many types of tularemia exist due to the many ways the bacteria can enter your body, such as inhaling them, eating or drinking contaminated food and water, touching an animal and rubbing your eye, or getting bit. After becoming infected, you will feel sick as soon as three days later. Most symptoms include:
- Skin ulcer
- Red, irritated eyes and light sensitivity
- Fever and chills
- Headache
- Sore throat
- Vomiting and diarrhea
- Coughing and difficulty breathing
Because it mimics so many other conditions, it's difficult to properly diagnose tularemia. Fortunately, it is curable with a course of antibiotics. Most patients recover fully without any complications. However, if left untreated, tularemia can lead to pneumonia, meningitis, pericarditis, or osteomyelitis.
Shockingly, this famous disease is still around today—up to 2000 cases each year. However, unlike our medieval predecessors, we know it is spread by fleas infected by rodents. Even more rarely it is spread by touching or eating an infected animal.
Classic, or bubonic plague, is famous for showing itself in the form of buboes, or swollen lymph nodes in the groin, armpit, or neck. If you have the plague, you will feel general signs of illness like fever, sore muscles, headache, weakness, vomiting and diarrhea. Pneumonic plague, which infects the lungs, manifests itself with coughing, chest pain, and trouble breathing.
Without identifying and treating plague with aggressive antibiotics, bubonic plague may multiply in your bloodstream, potentially morphing into septicemic or pneumonic plague. In these cases, death can occur within 24 hours after you first experience your first symptoms. Without treatment, plague kills about half of its victims.
HPS, or Hantavirus pulmonary syndrome, is an airborne virus carried by mice in North and South America. The virus is shed in saliva, urine and feces of infected mice, and usually infects humans via the air. Sometimes just by touching the virus you can transfer it to your nose or mouth, or by eating contaminated food or water.
At first symptoms seem like regular flu symptoms and is difficult to distinguish from pneumonia, influenza, or other viral disorders. Later, more serious symptoms such as cough, shortness of breath, low blood pressure and reduced heart productivity occur. Fluid can accumulate in your lungs. Hantavirus is capable of worsening very quickly and become life-threatening.
Hantavirus has no cure. However, most people live if it is caught early and they receive hospitalization and other care for breathing problems.
In a perfect world, the absence of disease-carrying rodents is the safest way to prevent these illnesses. However, there are some things you can do to prevent becoming infected.
- Keep rodent populations under control in your home and property
- Seal up holes in your home and garage
- Protect your pets from ticks and fleas by regularly treating them, and keep them close if recreating in danger areas
- Use insect repellant with DEET when outdoors, and wear long sleeves and pants against ticks
- Wear a face mask while digging, clearing weeds and mowing the lawn
- Wear gloves if you handle wild animals or hunt, and thoroughly cook wild animal meat
To learn more about getting rid of rodents in your home, contact a rodent exterminator.


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Improve Your E-Commerce Revenue – and Get More Customers In-Store – With These Digital Trends
Charles Whiteman
Guest Contributor
With mobile now entrenched as the new "front door of the store," retailers are developing new strategies to not only increase e-commerce revenues, but to drive shoppers to the store.
Now more than ever, mobile websites and smartphone apps are becoming the new "front door" for customers of many brick-and-mortar retail stores. And with good reason: this savvy, industry-wide pivot focuses on consumers' preferences and how they're most comfortable shopping – be it in-store, or online.
It's still early days in this trend, and there's plenty of best practices for the industry to still learn, but it's clear that companies taking this customer-centric approach are seeing lifts both in-store, and online.
One thing's for certain: "mobile-first" browsing isn't going away. Mobile website traffic blew past desktop web traffic in 2014, and hasn't looked back. Indeed, 75 percent of shoppers surf the mobile web during in-store shopping experiences. Amazingly, 25 percent of them buy products on their mobile devices while in-store.
Retailers are smartly adapting. Last year, many surveyed CEOs considered mobile/omnichannel retail to be a "high" or "top" priority, and 30 percent said they were increasing investments to improve it.
As retailers master this emerging technology, a related opportunity awaits: leveraging the power of localized mobile websites, smartphone apps, and desktop e-commerce sites to expand into new domestic and global markets.
By offering translated digital shopping experiences to mobile-first consumers, retailers can expand into new international markets and engage the underserved consumers there. They can also drive consumers to traditional stores. As AT Kearney recently wrote, "In many fast-growing emerging markets, the Internet is the safest, fastest way to get products from international brands."
As your own company eyes new domestic and global markets, consider these trends that are impacting m-commerce and e-commerce on a global scale. My company has unique insight into these phenomena; we operate and optimize over 1,000 translated global websites for the world's largest brands. These insights hail from our exclusive data.
Mobile and Tablets: An Amazing Combination
The genie's out of the bottle: Mobile web traffic will continue to outperform desktop traffic for the foreseeable future. And that's a good thing, since phones and tablets are powerful sales-engagement tools.
We've seen a remarkable rise of mobile and tablet traffic, transactions, and commerce in the global sites we operate. We recently examined the performance of five global e-commerce sites. Thirty-five percent all sessions to these sites hailed from mobile phones. Tablets brought in another 20 percent.
However, average conversion rates are about 115 percent higher on tablets, compared to mobile. Bounce rates are usually 5-10 percent lower on tablets, too. Our takeaway: users browse for products on their phones, but return to sites on their tablets to make purchases.
In a related study of several German retail sites we operate, we observed that tablet conversions are nearly 100 percent those of smartphones, and have been for years.
Launching mobile-friendly sites in global markets is critical for success. Providing mobile-friendly product photos and descriptions makes a huge difference, particularly if it helps shoppers make a buying decision later.
Recall that many consumers also browse on their phones, and then make purchases in-store. By providing a localized mobile experience that includes a Find A Store functionality, your company can easily direct these shoppers to regional brick-and-mortar stores—which will boost sales there, too.
Social Media: Fish Where the Fish Are
Thanks to the growing number of smartphone owners in mobile-first markets, social media adoption has skyrocketed in recent years. We examined six months' worth of data from our localized sites and came away with some interesting findings:
- Traffic from Facebook grew by nearly 50 percent, elbowing out native social networks for dominance in most global markets.
- Traffic from Pinterest rose almost 25 percent. This coincides with Pinterest's increasing user base in overseas markets, particularly in China, India and Indonesia.
- Twitter is in a troubling slump. Referral traffic plummeted nearly 30 percent. This jibes with Twitter's recent announcements that it lost 2 million users during the last three months of 2015.
- Photo-based network Instagram now has more users than Twitter; we're seeing more clients use this tool in global markets, with positive results.
We also noted strong referral traffic from Sina Weibo, a Chinese social media platform. Our clients that have integrated Sina Weibo (and other networks) functionality into their sites have seen a 30 percent lift in referral traffic from social users, and 10 percent increases revenue.
VK, originally VKontakte, a Russian social media platform that's gaining ground in Germany, has also boosted referral traffic to our localized websites.
And remember, localized digital marketing efforts need not only serve your global e-commerce efforts. Those resonant social marketing messages can always steer consumers to brick-and-mortar stores, as well.
Study Seasonality in Global Markets
Global e-commerce sales generally slump in the summer, and rally in the fourth calendar quarter. But companies armed with a knowledge of unique seasonality and spending peaks in international markets can promote products and generate sales they'd otherwise miss.
To supercharge global sales in off-seasons, invest effort in diagnosing any causes for sales slumps, and bolster your online endeavor with smart marketing. Our studies find that e-mail outreach is especially engaging for international shoppers. Last year, one of our clients saw nearly half of its single-day holiday revenue hail from a localized e-mail campaign.
Flash sales are another way to invigorate your most faithful global consumers, and direct them to your sites.
"The point is to run flash sales for your regular customers," a contributor to Ecommerce Platforms recently wrote. "If 1,000 people are browsing on your site, you have a large chance of selling out of a product if you offer them a flash sale popup. The urgency is often too much to pass up."
Finally, seasonality-related market intelligence is valuable in developing inventory stocking strategies in your global brick-and-mortar stores.
About the writer:
Charles Whiteman is senior vice president of client services at MotionPoint Corporation, the world's #1 enterprise localization platform. He may be reached at firstname.lastname@example.com.
Join the #retail and #inspiringretail conversations on Twitter @RetailNext, as well as at www.facebook.com/retailnext.


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Nordica Strider 130 Pro Dyn Ski Boots - 2019
The Nordica Strider ski boots are specially made for men and women skiers who'd rather ski new lines than stand around and wait in old ones. With their lightweight, modern design and 100mm last, they fit most feet right out of the box. Makes it easier to hike uphill without compromising downhill skiing performance.
- Flex: 130
- Last: 100 mm
- Tri-Fit Customization
- Laced 3D Light Cork Liner With Primaloft
- Hike Mechanism with 46 degree range
- New Lightweight Buckle Construction and Design
- Lightweight Mesh Powerstrap
- Waterproof Weather Shield
- Dynafit Inserts
- Michelin Rubber Technical Soles w/ Gripwalk
We Also Recommend
Atomic Ski Boots Hawx Ulta XTD 120 Tech GW All-Mountain/Freeride Touring - 2021
Regular price $699.00 $699.00
Tecnica Cochise 110 DYN Alpine Touring Ski Boots - 2020
Sale price $399.00 $399.00
Regular price


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I've been procrastinating this project for weeks because I haven't had any crafting mojo recently. But Bean's birthday party is coming up this weekend so, it's now or never.
For this project, I used:
- Darcie Core'dinations Value Pack Card Stock, $13
- Glue Stick, $2
- Scissors, $3
- Craft Knife, $3
- Computer & Printer
- 1/8″ Hole Punch (Optional), $6
- Tiny Brads (Optional), $3
I found a Ninja Turtle font and printed the outline of each letter on green cardstock, so I could cut them out with a craft knife.
To make each letter stand out, I backed each one with black cardstock and trimmed off the excess.
Here's we're the optional steps start. If you want to make an actual banner, leave a little tab on each side of each letter.
This is where you'll punch holes for the mini brads to join each letter together.
It was a little bit of work but I was able to do all the cutting while Bean played with LEGOs and Belle alternated between playing with her brother and breastfeeding. I've become an expert at simultaneously working and feeding the baby.
To add a little more to the banner, I found a coloring page and used it as a template for each Ninja Turtle face.
I started with Donatello and printed the outline on green, purple and white cardstock.
I cut out the pieces I needed to reassemble the face on black cardstock.
For the other Ninja Turtles, I just had to adjust the mask color.
That's it! I'm still working on assembling all the letters and faces but I think I might tape each individual letter to the wall with painters tape, instead of making a jointed banner. It'll be quicker if I just slap each letter on the wall with some painters tape.
Disclaimer: This post contains affiliate links for things I used for this project. Luckily for J.D., I had everything I needed in my craft room and he didn't have to run out in the storm to pick up anything.


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Many people get tripped up by a confusing number of pitfalls that sometimes begin before they even submit their first dispute.
The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.
Under the Fair Credit Reporting Act, credit reporting agencies such as Experian, Equifax and TransUnion are required to investigate your credit report dispute. So are the furnishers that supply your financial information to the credit bureaus. But companies' initial investigations are often quick, say experts, and may not involve a substantial review of your case, causing some errors to get mistakenly verified as accurate.
If this happens to you, you have a legal right to sue. But you may not get very far if you don't take extra steps beforehand to prepare your case, according to numerous court documents reviewed by CreditCards.com and interviews with consumer lawyers experienced in handling Fair Credit Reporting Act cases.
Many people get tripped up by a confusing number of pitfalls that sometimes begin before they even submit their first dispute. Here are five of the most common mistakes made when disputing credit report errors.
1. You disputed the error only with the furnisher.
If you know a lender is misreporting your information to a credit bureau, it may seem faster to bypass the credit reporting agency completely and deal only with the lender. Don't.
"The law allows you to go directly to the furnisher and state your case," says Norm Magnuson, vice president of public affairs at the Consumer Data Industry Association, a group representing consumer data reporting companies.
But if you skip the credit bureaus' dispute system, you risk not being able to fight back if the lender fails to correct the mistake, say experts.
"In order to trigger the investigation process under the Fair Credit Reporting Act, the dispute has to be sent to the credit bureau," says DeVonna Joy, an attorney with the Consumer Justice Law Center in Muskego, Wisconsin.
That means if a lender or other type of data furnisher, such as a debt collection agency, insists their records are correct, you can't sue them for failing to investigate the mistake unless you've disputed the issue with a credit reporting agency first.
"You don't have a claim until you've disputed at least once," says Joy.
You also can't sue a creditor or credit bureau based solely on the inaccuracies in your report, she says.
"Most people do not realize that it is not illegal for a credit bureau to report inaccurate information," says Joy. "A claim arises only if the credit bureau or furnisher fails to properly investigate a dispute."
You may also get your dispute resolved faster if you go through a credit bureau rather than a furnisher.
Credit bureaus used to rely heavily on furnishers' investigations when verifying an error. But in a 2015 settlement with the state of New York, the big three credit bureaus agreed to review disputes more thoroughly if consumers submitted evidence supporting their case and an initial review verified the errors without recommending any changes.
2. You lost evidence.
If you send dispute after dispute to the credit reporting agencies and continue to get nowhere, your next best step may be to sue the credit bureau, say experts. (You can also file a complaint with the Consumer Financial Protection Bureau.)
You won't get far with your case, however, if you didn't save evidence proving the mistake is real – and that you've been substantially harmed, say consumer lawyers.
"The strongest cases are where the consumer has tried on their own, made multiple disputes and can show that they've been harmed," says Joy.
In numerous court cases reviewed by CreditCards.com, many people lost their chance to argue their case before a jury because they did not save enough evidence that could be used in court to prove they had been wronged.
Instead, their case was moved to summary judgment at the request of the credit bureau or the furnisher of the information, causing it to be decided by a judge rather than at a trial by jury.
To get a case past summary judgment and get a jury to hear your complaint – which gives you the best possible chance of winning your case – you will have to produce evidence showing there's factual disagreement about what happened to your dispute and how you were negatively affected by the result.
That includes saving documents, such as a certified mail receipt, that shows the credit bureau received your dispute.
"The big three consistently lose or claim to lose consumer correspondence," says Leonard Bennett, a consumer advocate and attorney with Consumer Litigation Associates in Newport News, Virginia.
It also includes saving all of your financial paperwork, including any denials of credit that you have received. "Those denial of credit letters are proof a consumer may have been harmed by credit report errors," says Joy.
Saving your denial of credit letters could also help you if you need to dispute a creditor's actions for other reasons, says Cary Flitter, a consumer lawyer and law professor in Philadelphia.
"In general, if you have been told by a potential lender that a negative entry has caused a denial, or acceptance at a higher interest rate, get the name and title of the lender's rep telling you that, and get something from them in writing," writes Flitter in an email.
"You'll need it later! Sometimes a less scrupulous lender will tell a consumer that his dinged credit has caused a lower score and higher cost of credit," says Flitter. But then the lender will "inflate the interest rate beyond what the credit ding would warrant."
Providing additional evidence also will make it more likely that the credit bureaus promptly fix the error when you dispute it, allowing you to avoid an expensive court case.
Credit reporting agencies used to discard evidence or fail to pass it along to lenders, say experts. But since 2013, credit reporting agencies have received increased scrutiny from the Consumer Financial Protection Bureau and state attorneys general and have agreed to revamp their dispute processes and take evidence more seriously.
For example, as a result of the 2015 settlement with the state of New York, credit bureau employees are now supposed to verify errors using submitted evidence rather than rely on automated dispute processes.
Employees also are supposed to step up investigations if an error involves identity theft, fraud or mixed files and hand off the supporting documentation to specially trained employees. Starting in June 2018, credit bureaus won't be able to reject your dispute if you previously submitted a dispute sometime in the past three years.
These rules don't – and won't – apply, though, if you submit your dispute through a credit repair company rather than directly so be sure to submit your information yourself.
3. You didn't include enough information in your dispute.
When disputing credit report errors, people often opt for convenience and file a dispute online or by phone, says the CDIA's Norm Magnuson.
The credit reporting agencies actively encourage this brevity by marketing on their websites how easy it is to use their online dispute systems, which often give you just enough room to briefly state your dispute.
However, consumer lawyers say that using a form supplied by the credit bureau – without attaching additional evidence or a longer letter explaining your dispute – could cost you your case if you later need to take the credit bureau to court.
"Never do credit report disputes online or on the small space on the credit report itself," says Joy. Often, "there isn't enough room to make full explanations," she says.
That could hurt you later if you have to sue the credit bureau for failing to properly investigate your dispute. You'll need to be able to prove in court that you gave the credit bureau enough information to examine your case and conclude that the error is legitimate, say experts.
Otherwise, "The credit reporting agency will uniformly respond with, \u2018Not our fault, we didn't have enough information,'" says consumer lawyer Bennett.
Credit bureaus now allow you to attach additional evidence directly to your online dispute.
However, experts recommend you instead mail a detailed letter to the credit bureaus that:
- Gives details why the information in the report is wrong.
- Contains evidence proving the mistake.
By including the evidence with your letter (and making copies for your files), you are making it much harder for the credit bureau to later claim that the error is your fault because you didn't send enough information, say consumer lawyers.
Similarly, experts recommend you send the lender connected to the error identical copies for the same reason. Credit bureaus will forward any evidence you send with your dispute, including any additional letters you write explaining your dispute. But it may still be a good idea to send a separate letter to the furnisher, just in case.
"The reason why you want to send a copy of the letter is not because [the furnishers] are going to do a substantive investigation. They typically don't," says Bennett. You want to send it so the furnishers can't argue in court that the dispute they received was inadequate, he says.
Lenders and other data furnishers have also been warned by the Consumer Financial Protection Bureau that they need to investigate consumer disputes more thoroughly than they have in the past.
In addition, the 2015 settlement with the state of New York requires credit bureaus to monitor data furnishers more aggressively and penalize furnishers who don't follow proper procedures. So the data furnisher also may have more incentive to properly investigate your dispute if you provide them with enough information to conclude that the information they're furnishing is incorrect.
4. You skipped over the terms of an agreement with the credit bureau.
If you recently bought a credit report online or accepted a "free report" from one of the big three credit bureaus, you probably ignored the terms buried at the bottom of the web page. Many people do.
Big mistake. Some credit bureaus, such as TransUnion, still include an arbitration clause in their terms of use.
That means if you buy your credit report online and find an error on it, you can still dispute the error. However, if you disagree with how the credit bureau managed the dispute and want to take the bureau to court, the credit bureau can try to legally press the arbitration clause and force you to give up your right to argue your case before a jury or join in a class-action lawsuit against the bureau.
That can make it much more difficult to prove your case and win substantial damages if you've been financially wronged, experts say.
In arbitration, your complaint will be handled by an individual arbitrator, appointed from an arbitration association chosen by the credit bureau, and it will be solely up to the arbitrator to decide your case. If you disagree with the arbitrator's decision, you are not allowed to appeal.
"Forced arbitration clauses never help the consumer," says consumer lawyer Cary Flitter. "They only help the business that does something wrong."
That's another reason why you should send your disputes by mail, rather than go through a credit bureau's online system, he adds.
"The problem with the online dispute is the possibility you will unwittingly agree to forgo a legitimate claim in court merely by clicking," writes Flitter in an email. By sending your dispute by mail, you'll not only preserve your right to sue, you'll have more control over how much information you can share.
"Online, you are limited to about 10 words or less sometimes," writes Flitter. "In a letter, you tell the narrative of your own story. Be brief in any dispute letter, but put on paper and in the mail, and attach any pertinent support."
If you do obtain a credit report from a bureau that enforces an arbitration provision, be sure to mail an opt-out letter to the credit bureau within 30 to 60 days of receiving the report, depending on the company's agreement.
Depending on the clause's placement on the bureau's website, you also may be able to argue that the arbitration clause isn't legally enforceable because it wasn't obvious that it applied to the credit report you purchased.
In March 2016, the U.S. Court of Appeals ruled that an arbitration clause TransUnion buried in the website's service agreement wasn't legally enforceable because the bureau also didn't make it clear to users that purchasing a TransUnion credit score automatically bound them to arbitration. However, you would be safest to just opt out of the arbitration agreement altogether.
Also, don't forget to reexamine a credit bureau's terms if you deal with them again in the future – even if you didn't see an arbitration clause the last time you scanned their terms.
Some credit bureaus don't currently force consumers into arbitration for complaints over the dispute process. Equifax and Experian, for example, now say in their terms of use that the companies' arbitration clauses don't apply to Fair Credit Reporting Act cases.
However, that could change if a credit agency starts to feel less pressure from regulators and activists. Already, the stepped-up pressure that credit bureaus felt under the Obama administration has begun to abate.
In November 2017, for example, the Trump administration nixed a Consumer Financial Protection Bureau rule that would have barred credit bureaus and other financial companies from enforcing arbitration provisions that ban people from joining together in class-action lawsuits.
Under new leadership, the CFPB has shown less willingness to aggressively regulate financial services companies. As a result, some credit bureaus may feel emboldened to reintroduce broader arbitration agreements.
Regardless of the political climate, it's always a good idea to make a habit of scanning terms every time you obtain a credit report or initiate an online dispute.
5. You listened to a debt collector.
You can't dispute accurate information on your credit reports and expect the credit bureaus to remove it. However, you can hold the credit bureaus liable under the Fair Credit Reporting Act if they fail to observe the time limit on your debt.
By law, negative information should drop off your report after seven years. A bankruptcy may remain on your report for up to 10 years.
If you see a debt that's real on your report, but is older than seven years, you can dispute the debt to the credit bureaus and demand that it's removed. You also can fight back against a debt collector that is threatening to sue you for the debt if it's past its statute of limitations.
The legal expiration date on the debt should give you a bulletproof defense of any lawsuit that's filed after the statute of limitations ends. That strategy only works, however, if you didn't accidentally re-age the debt after talking with a debt collector, says Paul Stephens, director of privacy and advocacy at Privacy Rights Clearinghouse.
"There is a big problem with this particular issue," says Stephens. Debt collectors often sell accounts to one another and sometimes the debt collectors will report inaccurate timelines, causing the debt to be reported longer than it should.
"That's what's called re-aging of debt," he says. Under the Fair Credit Reporting Act, this shouldn't happen and you have the right to fight it.
However, if you receive a call from a debt collector and agree to pay part of an expired debt, you could potentially restart the clock on the debt's statute of limitations and undermine your ability to successfully fight back.
"Debt collectors can keep calling you and hounding you," says Stephens. "They may get you at a weak or vulnerable moment and at that point in desperation you may make a promise to get into a payment plan or potentially acknowledge the debt."
At that point, the debt collector can sue you – and potentially win a judgment against you – for a debt that you should have been able to scrub from your credit history for good.
See related: 10 surefire steps to get errors off your credit report, How to dispute and fix credit report errors, Withholding payment after dispute goes against you
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The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.


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Social media has indeed opened a new level for feminism. Encouraging solidarity, sisterhood and emphasizes shared experiences among women on social media.
With the advent of feminism on social media, women are becoming aware of their rights and working to ensure that they are not denied of their rights.
There has been a lot of movements by women and men ensuring that every woman in equal not just in domestic areas but also in their work force.
I have written this article to show how social media has been able to amplify feminism for women in Nigeria and how progressive the walk has been
Social media has become a platform for community building
Social media platforms like Facebook and twitter has given a lot of women not just in Nigeria but across the globe to reach out to other like-minded women.
With help of social media platforms women who do not have voices in their various cultures come together to form a community on social media where they are given the chance to air their minds and feelings.
Most of the times on this platforms women are given the chance to come out and speak their truths irrespective of her age, educational background or her culture.
A good example of a women community on social media is Females in Nigeria (FIN). An enclosed Facebook group of Nigerian women at home and in diaspora where women support each other without being judgmental.
Social media has helped empower women as leaders
Social media is space where information and ideas are passed on with speed. For this social media works effectively for the feminism walk in Nigeria.
With how fast information and knowledge is passed with social media and how much women are on social media.
Women are empowered through existing social media communities. For instance there are some feminism organizations who work solely on ensuring that women are given the chance of leadership whether in politics, organizations or other spheres of life.
Also, they are empowered through their personal social media networks. Just by sharing their thoughts and having a voice people tend to listen to them on social networks.
The thing is since the rise of feminism in Nigeria, a lot of women have participated online by using the power of social media to make a difference and to lead.
The rise of feminism have allowed the Nigerian modern woman to utilize social media in order to make their voices heard in a society that looks at them crazy for wanting to be leaders.
Women take advantage of social media to show her knowledge and capabilities, which are eventually accessible by anyone thereby making it easier to her to lead.
With the spread of feminism through social media even men are accepting that a woman can become a leader as long as she has the capabilities, the strength and she is competent enough to lead.
A number of Nigerian women have capitalized on social media to achieve their dreams of leadership in Nigeria.
Social media has helped women thrive in businesses
Before the 21st century, women it was believed that women are naturally endued with the capacity of doing domestic duties and material roles while men were to be the ones working and being the bread winners.
With the advent and rise of social media, Nigerian women are able to take advantage of platforms to startup businesses and grow them.
Due to the reduction of gender inequality in Nigeria, a lot of women are beginning to identify their capabilities of running successful businesses. they are also able to take care of their families.
According to Granger "Whatever your brand is—whether your brand is you or your business—you have to present that brand in the best way possible online and off. You want all of your branding to be consistent and authentic".
Social media has provided a great opportunity for women who want to show their expertise. women are able to do so with social media where a large number of people can see them and patronize their business.
Not just because it is a woman owned business but because the product or service solves problems their buyers.
Social media has provided a forum for meaningful topics to be discussed among women
Networking platforms like twitter and Facebook are some of the useful tools people use to rally support for important causes and engage with the public about a topic interest.
Social media activism are great ways for the Nigerian women to reach a wider audience quickly when working towards achieving a common goal. Already notable achievements have been made with social media.
The world is beginning to see how women can raise their voices online to using social media platforms to tackle important issues. By using social media, people get to share and comment on such issues until it eventually gets to the right people who then works for actions to be taken.
There are cases where women have been able to raise awareness about issues and use social media to raise awareness on certain women rights.
For example women are being educated on social media to speak up when they are molested as it is a crime even though there is no legal punishment for such act in Nigeria.
Social media has improved girls' access to formal education
Access to education has posed to be an issue that disproportionately stop girls from living the kind of lives they want when they grow up as adults.
Education may not be the only tool for female empowerment but it is a way of escaping poverty. For a long time women have been deprived educationally.
However, the advent of social media coupled with women fighting for girl child education.
There has been a rise in public awareness which has made it much easier to support and take actions to support and take reasonable action on behalf of girls' education in Nigeria.
There has been a lot of campaigns to educate women and girls not just in Nigeria but across the globe.
You will find out that the level of awareness about this topic has grown higher than it was 10 years ago.
A lot of organizations who are advocates of the girl child education have tried to get funding through social media to send a number of girls to school every year.
Social media has provided young women with more career options
The advent of digital media has created waves for new career opportunities for a lot of individuals and stay at home mothers. Because we learn, interact and do business online, studying computer related courses is relatively common in schools more than it was a few years ago.
Girls who are taught to interact with technology at a tender age most of the times grow up with solid foundations from which they are able to go into a STEM related career unlike before when STEM related careers are meant only for the male counterparts.
Today it is a norm to see women who are thriving in STEM related career paths. This is a result of digital media with social media playing a huge role on Nigerian women to excel in whatever career path they chose.
Even though women are still marginalized in some spheres of life, they have also become significant in the society.
Social as a tool for communication and information dissemination has played a great role to ensure that feminism is amplified in Nigeria and among Nigerians.
Let me know what your thoughts are in the comment section.
Latest posts by Chidinma Nwachukwu (see all)
- Inbound Marketing Strategies every Startup Needs to increase sales - November 21, 2019
- 4 ways social mediaamplified the viewership of big brother naija - October 8, 2019
- If your target audience is the generation Z: here's how to reach them - September 19, 2019


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It is often frustrating to encounter any form of car trouble, particularly if you are in a hurry or are far from an auto shop. These types of incidents can be avoided if you are able to regularly have your car checked. Regular car maintenance and repair can help prevent the possibility of you being stuck in these situations. Maintenance of your car can range from basic car maintenance to an overhaul or car check-up
Importance of basic car maintenance
There are several car maintenance measures that you have to do to keep your car at its best. It is important to bring your car to an auto service and have it checked.
Have your engine checked regularly. Remember that the engine is the heart of your car; with a busted engine, your car is useless. Having your engine checked regularly will ensure that it is working properly and it is up to speed. Also, it is important to check your car transmission.
Checking the brakes should also be part of your basic car maintenance. It is highly suggested that you seek the assistance of a good mechanic to have your brakes checked. Remember that maintenance of your brakes is important for safety reasons. Low brake fluid levels can cause soft brake pedals.
At the same time, dirty brake pads can cause the brakes to squeak. Having your brakes checked regularly by a mechanic can prevent these from happening and ultimately reduce the risks of accidents caused by brake malfunction.
It is important that you take care of any minor concerns as soon as you recognize them to avoid any serious problems and an expensive car repair procedure in the future.
Importance of immediate car repair
When experiencing any form of car trouble it is important that you immediately have your car checked. By doing so you will be able to prevent any huge damage to your car. There is a reason why the safety system in your car is installed. It is there to inform you of any problems or mechanical failures that your car is having.
It may be signaling that it is time to fill up on refrigerant for your auto AC or have your transmission checked in Legacy Tecnica Motorsports.
Car repair and maintenance is important. By following preventive maintenance measures, you are able to save time, effort and money. With the assistance of a good mechanic you will be able to have a well-maintained and properly running automotive.
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Don't miss anything. Get news about our walks, special offers, events and behind-the-scenes stories from Tasmanian Walking Company.
Hilary, Natalie and Rob expertly guided us along the OT providing an unforgettable experience.
Beautiful sunny weather to start meant swimming for some, lunch in shorts and shirt on Mt. Ossa with Wedgetail Eagles soaring above and dinner on the deck at Pine Forest Moor Hut . Hilary ordered up a thunder storm in the rain forest approaching Windy Ridge Hut. Great wine and food, amazing scenery and wonderful company made the hard work a pleasure.
Bay of Fires : January 2011
We had the most wonderful time on our Bay of Fires experience. Mother nature was not kind to us. Apparently it was the wettest they had seen it there at the lodge for a long time. I will start by … Continue
Bay of Fires : November 2010
As an ecologist based in Godzone (i.e. NZ) I am used to landscapes of great beauty and awe. Yet the Bay of Fires trek simply has to rank as one of my most awesome experiences to date. The landscapes/seascapes there … Continue
Cradle Mountain : October 2010
What an amazing week! The blizzard on day 1 only adding to the sense of acheivement as we waited under perfect blue skies for the ferry on day 6. A stunning and diverse walk made even more memorable by the … Continue
Cradle Mountain : October 2010
Exciting weather of fresh snow falls, strong winds, rain and loads of water on the ground made our initial days challenging but so exciting, memorable and absolutely beautiful....Knowing you are safe and supported by the knowledge and expertise of the … Continue


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You will be amazed at what a new pair of replacement lenses will do for your favourite sunglasses.At The Sunglass Fix we know how important great optics are in a pair of Spy Optic sunglasses. That is why we have developed precision Polyamide lenses with the optical clarity of glass. You can rest assured they are as good if not better than your original lenses. You have taken the time to find a pair of Spy Optic sunglasses you love. We are here to make sure they look as good as the day you bought them.
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Clinical Graphs using SAS Reviews
"Clinical Graphs Using SAS contains detailed examples of many commonly-produced complex clinical graphs, as well as the code needed to actually produce them. As such, not only will it enable SAS programmers to get up and running quickly on the "new" SG procedures and GTL, but the explanations it provides will make it a great reference for building further on that basic knowledge. The author also gives a clear explanation of improvements in features and programming work provided by SAS 9.4."
Nancy Brucken
inVentiv Health
"Since version 9 was released, SAS has made significant improvements with its graphics features. The flexibility and easiness for creating top-notch figures should no longer be considered the software's weakness among academia and industrial professionals. The capability of generating these high-level and ready-to-publish figures is clearly demonstrated in Sanjay Matange's book Clinical Graphs Using SAS.
"The focus of Matange's book is to show readers how to create customized figures by using SG procedures and the Graph Template Language (GTL). These topics are first illustrated by using practical real-world examples at an introductory level, and then gradually adding more advanced concepts. Some of the difficulties for fine-tuning figures, such as creating appropriate annotations, adjusting plot axis, and adding customized legends, are clearly introduced to the readers.
"This book presents many useful graphs for people who are working in the clinical trials domain, as well as in health and life sciences, such as survival plot, waterfall chart, butterfly plot, forest plot, bivariate distribution plot, and multi-cell panel graphs. However, the intended audience is not restricted to the health care professionals because these graphical examples can be easily applied to academia and across different industries.
"People with different levels of SAS graphic skills can all benefit by reading this book. Because of the comprehensive and easy-to-use nature of this book, it can serve as a tutorial for someone who has never been exposed to SAS graphics software. Since the topics are also divided by different releases, such as SAS 9.3 and SAS 9.4, an experienced SAS graphic programmer can easily jump into the most relevant section in order to explore the latest features, as well as treating it as good reference book."
Arthur Li
City of Hope National Medical Center
"It has been quite a while since SAS/GRAPH was the dominate graphics tool within the family of SAS modules and products. Of course, SAS users who want to create customized graphics can still use SAS/GRAPH, but now they have numerous other stronger and easier choices. And one of the foremost acknowledged experts of the alternatives is Sanjay Matange.
"Clinical Graphs Using SAS is Sanjay's latest addition to the growing literature base on SAS graphics. His first two books on SAS graphics topics include Statistical Graphics Procedures by Example: Effective Graphs Using SAS, which was coauthored with Dan Heath in 2011, and Getting Started with the Graph Template Language in SAS: Examples, Tips, and Techniques for Creating Custom Graphs, which was published in 2013.
"Don't let the title of this book fool you. Yes, its examples do tend to be oriented towards the clinical trials and biotech industries, but the techniques described in this book transcend any one industry or application. And there are examples. And these examples highlight a myriad of techniques. As is the case with his other books, the examples drive the code. This is not a book about syntax, but the syntax, statements, options, and related tools are used extensively to create a very wide range of types of graphics presentations. In the process the reader is exposed to virtually all of the techniques used to create presentation-quality graphics.
"The book concentrates on SG procedures, especially SGPLOT and SGPANEL, as well as the Graph Template Language (GTL). Although written under SAS 9.4M3, users of SAS 9.3 will still find value in this book. Sanjay contrasts the current version of SAS with the capabilities available in SAS 9.3 and shows how users of the earlier versions can work around not having the most recent release of SAS.
"Are you using ODS graphics, the SG procedures, or the Graph Template Language? If so, you will want to add Clinical Graphs Using SAS by Sanjay Matange to your library. New to ODS graphics? Then this book is a MUST buy."
Art Carpenter


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Sterling Productions is a not for profit that helps parents help their kids realize their dream of working in the film industry. So many parents spend huge amounts of money on their kids acting but never win a role in a film as they have no on location experience. That's where we come in. We fill the gap. 1984 - 2019 35 years of film production. firstname.lastname@example.com
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John Bean's view
Prince Harry has gained much respect from his active military service in Afghanistan. This has been followed by his in-depth work in the para-olympics for British and American former soldiers and help for the ever-expanding child population of Africa.
In many ways his character is almost a replica of that of his mother, the late Princess Diana. This is not only in the desire to aid the teeming African population, but in the readiness to choose sexual partners who are not always recognised as being European (which includes Britain). We must recall here Diana's tragic death when she and her Middle Eastern lover died in the car crash in the Paris underpass.
The choice he has made to marry Meghan Markle certainly appears to be based on mutual love for each other, which does not guarantee it would be long-lasting, bearing in mind both of their track records and Prince Harry's tempestuous nature. They will no doubt conform to the routine of the younger Royal Family members of today and produce two or more offspring, which in this case will carry twenty-five per cent African genes passed down from Doris Ragland, Meghan's mother.
Flic Everett reports in the Daily Telegraph 30.11.17 an interview he held with the three in America.
"Harry made a calculated interjection. 'Her mum's amazing,' he blurted, before sitting back, safe in the knowledge that he'd just earned a world-record number of brownie points."
Thus, further joy came from our media (slightly offset by Trump's support for Britain First's comments on immigration), who are virtually unanimous in the non-stop campaign to make a
majority of the UK's white sheep accept that they will soon be in a minority. What service Harry has given to this, which some would call treachery.
Does our long serving gracious Queen realise what has been planned? I bet that Philip, Duke of Edinburgh, does.


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How to Take a Passport Photo with Digital Camera: 5 Main Things to Focus On (Guide)
You might be surprised, but a lot of people actually take their passport photos themselves. They believe that getting their photos taken in a studio isn't well worth the spend.
If you, too, think the same, then in this post I'll cover how to take a passport photo with digital camera in 2020 (and beyond).
It isn't as complicated as it sounds, especially if you have basic experience in photography.
These are the main things you'll need:
- tripod
- digital camera
- white or off-white background
- photo paper and a printer
(Plus, there are certain guidelines to follow which I'll discuss in a bit too.)
If you really want to maximize the use of your digital camera for passport size photos, these tips are for you.
And if you don't own a DSLR, no worries, the next section to help.
Let's get started.
Choosing a Digital Camera for Passport Photos
But first things first:
Which digital camera you need for passport photos?
If you're new to photography, consider the following entry-level DSLRs with kit lenses (with my full reviews of each):
- Nikon D3400 – with a Guide mode that literally teaches you how to shoot.
- Nikon D5500 or D5300 – which are a bit better than D3400.
- Canon EOS Rebel T6i – my top recommend DSLR for amateurs.
These cameras certainly will be easy on you and will get the results you need.
What about the lenses?
Ideally, you'd want to get a 50mm prime lens with a fixed focal length. Although, for cropped sensor DSLRs, the 85mm will work better for headshot portraits.
==> Understand the difference between 35mm vs 50mm vs 85mm on APS-C sensor.
This lens will give you the best result you can get.
If you're on a small budget and aren't ready for prime lenses, then the 18-55mm kit lens will give a pretty decent result too. For passport photos will be enough.
(Kit lenses come with all the cameras I mentioned above, basically it's a package deal.)
Want better photos?
This course will help you master the techniques you need to take stunning photos. Click here to check it out now.
Important Guidelines to Follow
To be clear:
I cannot generalize the set of guidelines when it comes to passport photos because it varies from one country to another.
However, almost all countries tend to adhere to some set rules, such as the background, your ensemble, exposure, accepted expressions, and the likes.
Here are some of those guidelines:
- Your face must be in full view, directly facing the camera.
- It's required that you have neutral expression.
- You can wear what you wear on an everyday basis.
- You need to submit a recent photo of yours (within the past 6 months).
- The background should be plain white or off-white.
- Your photo can be printed on a glossy or matte photo paper.
- It must be a colored photo.
- No glasses or hats unless for medical or religious purposes (provide signed statements).
- You should not be wearing headphones or any other devices that are wireless.
- The size of the photo must be two by two inches or 51 mm by 51 mm. Accordingly, your head should be 1 to 1 3/8 inches from the bottom of your chin up to the top of your head.
Here's a source of digital image requirements (in the U.S.) if you decide to take a photo yourself.
Like I mentioned earlier, this is isn't a complicated process.
Basically, you need a decent DSLR, a tripod and a well-lit room to take the passport photo yourself. There are no fusses regarding editing, complicated backgrounds, and even filters.
This being said, let's talk about tips and tricks to take a passport photo on your own.
How to Take a Passport Photo With Digital Camera
NOTE: No eyeglasses and no smile is allowed in 2020.
Now, The Text-Based Instructions
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First of all, you can just leave the settings of your camera in Auto mode.
Of course you can play with some of its settings such as the white balance, exposure, and the likes but don't go for settings that will distort your face shape, enlarge your eyes, or smoothen your skin.
Point is…
The photo should be as what you look like in person, as much as possible.
(Also, if you have a mirrorless camera, you can switch out the lens to have more focus.)
Makes sense, right?
1. The Background
You don't have to buy a white background. All you have to do is to find a white or off-white wall.
Make sure that this wall is also smooth, or if it is not that smooth, you can still take your picture there and post-process it at a later time.
Another thing that you can do is to stick a piece of white paper or cardboard on the wall.
Alternatively, you can also just hang a white cloth at your back.
2. The Lighting
Natural lighting is best, so you don't have to worry about artificial lights.
In fact, you can simply take a photo in front of a window or even outside. If you really need to use artificial lights, go for fluorescent bulbs. They are great because it gives the vibe of a post-office lighting.
Don't place it too near your face because your photo might look overexposed. Just scatter the light around you to brighten up the shot.
3. The Tripod
You have to use a tripod and set your camera to a timer setting.
This is the case because you have to sit or stand straight in the photo. Your hands should not look like you are taking a selfie.
If you don't have a tripod, you can just put your camera on top of a stack of boxes or books.
4. The Editing
Once you take the picture that you like, you still have to edit it using either a computer software (like Photoshop) or an application in your phone.
==> Click here to get Adobe Photoshop today.
You can edit the lighting, as well as the color of your shirt but do not alter the way you look.
This resource is great on teaching how to edit your photographs.
Deleting a few stray hairs is good, but doing other face modifications should not be done. Also, this is when you can crop the photo based on the passport photo regulations.
5. The Printing
You are now ready to print!
Use a photo paper and set the print settings to high quality so you can have a vivid picture.
Keep in mind that some passport photos are laminated, or there is a clear coat applied to the top. You just have to make sure that when they do those things, your picture still looks clear.
Taking Passport Photos on Your Own
Basically that's how you take a passport photo with digital cameras (for headshots).
Pretty easy, right?
And you don't even need any fancy equipment too.
Simply work with what you have, and boom! You were able to save a trip to a photography studio (not to mention a few bucks).
Remember that you still have to follow the passport photo guidelines because, at the end of the day, even if your goal is to look pretty or handsome in your photo, a passport photo is still going to land in a government-issued document.
I'd like to hear from YOU:
- Any other questions on digital cameras for passport photos?
- Any tips you'd like to provide yourself?
Let me know in the comments, I'm happy to help!
Ready to crush it as a photographer this year?
Get this practical photography course to take you from zero to photography hero in a matter of weeks. Join the program now.


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The fourth update to the public beta has just been released. Thanks to all your activity in the community the past few weeks, we have resolved over 200 issues since the first public beta. We encourage all of you using a previous version of the beta to download the latest and let us know what you think.
Same as before, the best place to contribute is in the Clearspace Beta space. You can download the new beta releases from your Jive Software website account where you find other releases.
Documentation for the new beta release is available here and includes upgrade information.
Thanks again for all your questions, comments, and feedback over the past few weeks!


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yeEveryone struggles to find their place in society. Some follow the rules society has set for them exactly, while others have a hard time dealing with the transition from childhood to adulthood. The Catcher in the Rye was written post World War II, and magnifies some of the problems Americas youth was going through. Salinger uses everything from comedy and obscenity to violence and death to get his point across. J.D. Salingers The Catcher in The Rye exemplifies the struggles a forlorn and confused youth can go through when trying to survive in society and find purpose and acceptance as an adult.
J.D. Salinger was born in Manhattan in 1919, the son of a wealthy cheese importer. He grew up in a fashionable section of New York City, and spent his youth studying at various prep schools; after shuttling between several schools, his parents finally sent him to the Valley Forge Military Academy in 1934 (Phillips 3). After returning from World War II Salinger began to write. In many ways, the novel combines details of Salinger's early life with the postwar world in which it was written. Holden's story, published in 1951, is set amid the conservative activity of the early '50s, a time when the American industrial economy made the nation prosperous, and old- fashioned social rules forced the younger generation to repress its sexuality, factors which affect Holden's story. The book created a huge amount of debate due to the moral issues raised by the book and the context in which it is presented, (Lomazoff 1). Following the enormous reaction from the public to the novel's first publication, he fled to a rural life in the hills of New Hampshire to evade public attention.
Holden Caulfield, a sixteen year-old boy recuperating in a rest home from a nervous breakdown, some time in 1950, narrates the Catcher in the Rye. Holden tells the story of his last day at a school called Pencey Prep, and of his succeeding psychological meltdown in New York City. Holden has been expelled from Pencey for academic failure, and after an unpleasant evening with his self-satisfied roommate Stradlater and their pimply next-door neighbor Ackley, he decides to leave Pencey for good and spend a few days alone in New York City before returning to his parents' Manhattan apartment. In New York, he gives in to increasing feelings of loneliness and desperation brought on by the hypocrisy and ugliness of the adult world; he feels increasingly tormented by the memory of his younger brother Allie's death, and his life is complicated by his growing sexuality. He wants to see his sister Phoebe and his old girlfriend Jane Gallagher, but instead he spends his time with Sally Hayes, a shallow socialite Holden's age, and Carl Luce, a pretentious Columbia student Holden treats as a source of sexual knowledge (Phillips 2).
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Increasingly lonely, Holden finally decides to sneak back to his parents' apartment to talk to Phoebe. He borrows some money from her, and then goes to stay with his former English teacher, Mr. Antolini. When he believes Mr. Antolini to be making a homosexual advance toward him, Holden leaves his apartment, and spends the rest of the night on a bench in Grand Central Station. The next day Holden experiences the worst phase of his nervous breakdown. He wanders the streets, looking at children and talking to Allie. He tries to leave New York forever but when Phoebe insists on going with him he gives in, agreeing to go back home to protect his sister from the ugliness of the world. He takes her to the park, and watches her ride on the merry-go-round; he suddenly feels overwhelmed by an inexplicable, intense happiness. Holden concludes his story by refusing to talk about what happened after that, but he fills in the most important details: he went home, was sent to the rest home, and will attend a new school next year. He regrets telling his story to so many people; talking about it, he says, makes him miss everyone.
Setting is used by Salinger to symbolize Holdens feelings and struggle as he enters adulthood. Having the story take place in winter adds


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Late last year, Pennsylvania legislators introduced House Bill 1938, the "Freedom to Work Act" (the "Act"), an outright ban on "covenant[s] not to compete" in Pennsylvania. Under the Act, "a covenant not to compete is illegal, unenforceable and void as matter of law."
Scope of the Prohibition
The proposed Act defines a "covenant not to compete" as "[a]n agreement between an employer and employee that is designed to impede the ability of the employee to seek employment with another employer." The Act's narrow definition would still allow Pennsylvania employers to enter into non-solicitation agreements with its employees.
Further, the Act does not apply retroactively. Thus, employers would still be able to enforce covenants not to compete in effect at the time of the Act's passage provided they are reasonable under existing Pennsylvania law. The Act does, however, prohibit the renewal of such covenants.
To read the full article, please visit the Keystone Employment Law Blog.


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This week's word is baggywrinkle which I found on the forums of my favourite writing site – Critique Circle. I loved the word on sight. Unfortunately I was unable to locate any origins or even date of first use for this term, but I like it even more now that I know it's a nautical term and hence legitimate research for my coastal novels series (a.k.a. I had an excuse to browse sailing Web sites).
A baggywrinkle is a soft cover placed over a rope on a sailing vessel to stop the sails being chafed or damaged. You can see a picture here. I love the fact that the baggywrinkle is a seaman's improvisation because they use old frayed ropes to protect the new ones. Very clever.
If you're a boat owner and want to make one – there's a great step-by-step with photos here.
Now if you're strolling around a harbour or marina and spot a shaggy rope cushion strapped to some rigging, you can point knowledgeably and say – "See that? That's a baggywrinkle" and wait for your companion to burst out laughing.
Until next time, happy reading, writing, and wordfooling by the sea,
Connect with me on Twitter, Facebook, and LinkedIn or sign up for free e-mail updates from this blog in the top right-hand corner of the page.


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Lunch with Friends
Lunch with Friends
Date: Tue. 31 Mar, 2020 12:00 pm - 1:00 pm
Duration: 1 Hour
Location: Orr's Island Schoolhouse
Lunch with Friends, free and open to all Harpswell residents. Presented weekly by Harpswell Aging at Home at the Orr's Island Schoolhouse, 1579 Harpswell Islands Road, Orr's Island. To volunteer to cook a dish or help set up, call Surrey at 207-833-0092 or email [email protected]


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Woman Comfy Seamless Quick-dry Breathable Hips Up Cotton Running Sport Boxer Shorts
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Product: Roster Server
Audience: ClassLink Administrator
Extra columns in Preview Data
Added a "Show extra columns" toggle in Preview Data. This toggle will show all columns previously not shown that are present in the respective CSV, for example Parent sourcedId in Orgs.
Export CSV's download
Export CSV's can now be downloaded. This can be done by clicking on the clipboard in the SFTP section of an app after running an export and then clicking on the download button of the desired export.
Keeping the last "Complete" import
The last "Complete" import will always be kept instead of being deleted after two weeks.
Updated: Mar 2019


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Microfiber Toddler Travel Pillowcases 2 PK - 8 Colors
- SAFE & SOFT - 100% Silky Soft Microfiber Polyester, soft, hypoallergenic and breathable, completely gentle against babies' sensitive skin. Certified by CPSIA and CPSC, anti-bacterial and free of harmful chemical.
- PERFECT SIZE - 14 x 20 inch, Pack of Two. Designed for 13 x 18, 14 x 19, or 12 x 16 toddler(travel) pillows. Fits pillows branded at TILLYOU, Dreamtown Kids, Little Sleepy Head, PharMeDoc, etc. Pillows are not included in the package.
- ENVELOPE CLOSURE - Protects pillows from drool, dandruff or dust mite. It can also be used to decorate your bedroom.
- EASY CARE - Machine wash cold, gentle cycle, tumble dry low temperature for best results, cool iron if needed. Do not bleach. Fabric will get softer with each wash.


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Ashley Williams has defended his initial reaction last Friday night in the wake of Seamus Coleman's injury.
The Everton and Wales defender has come in for criticism from Toffees fans for appearing to care more about the red card issued to Neil Taylor than the double leg break suffered by his Goodison Park teammate.
However Williams has told the official Everton website that he wasn't aware of the serious nature of Coleman's injury when he protested the sending off.
"I didn't really see the tackle. All I saw was the red card and my initial reaction was to go to the referee," he said.
"At the time, I was in the swing of things. It took me a minute to realise, 'Actually, he hasn't got up,' and that it was Seamus who was down.
"At that point, I wasn't thinking about the game or us being down to 10 men. I started thinking, 'Is my mate okay?'. That was when I went over to him. Even at that point, I didn't know it was so serious.
"After the game, I went straight into their dressing room to speak to James McCarthy, and he told me Seamus had gone to hospital and had broken his leg."
Williams added that Taylor, whose challenge resulted in Coleman's horrific injury, was in tears after last Friday's scoreless draw.
"It was just a weird feeling from everyone around the dressing rooms. Even people who don't know Seamus like I do were gutted. Neil Taylor was completely gutted. He was sitting on the floor virtually in tears," he said.
"He asked me to check if it would be okay to go to see Seamus in hospital. He got his number off me and sent him a text straight away.
"When I found out it was a broken leg, it made me feel sick inside because it's someone who I like so much and is one of my mates.
"He's going to have up and down days, but the way he is, I'm sure his determination will help with his rehab and hopefully we'll have him back sooner rather than later and stronger than ever."


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Hazard Extended Campus Criminal Justice
EKU offers a BS Degree in Criminal Justice in Hazard. Full time EKU criminal justice instructor, Stephen Kappeler coordinates the program and teaches at the Hazard campus. Mr. Kappeler is also available to advise students.
Please visit our web page for more information
Criminal Justice Regional Website
Published on January 28, 2015


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Axis Bank offers several credit cards to match the needs of the customers. The bank also has a dedicated customer care team to listen to the customers' queries and complaints and resolve them at the earliest. Users can reach the Axis Bank credit card customer care team by calling on the number given below.
1860 – 419 – 5555
1860 – 500- 5555
To check the status of an existing complaint, the customer can call on 1800-419-0068.