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Not anymore. The Consumer Financial Protection Bureau (CFPB), the agency charged with implementing and enforcing federal consumer law, just unveiled a new rule establishing, for the first time, uniform nationwide standards for payday loans and similar forms of credit. Under the rule, lenders will be required to verify a borrower's ability to repay before making a loan.
Banking deregulation in the late 1980s caused small community banks to go out of business. This created a void in the supply of short-term microcredit, which was not supplied by large banks due to lack of profitability. The payday loan industry sprang up in order to fill this void and to supply microcredit to the working class at expensive rates.[37]
In the traditional retail model, borrowers visit a payday lending store and secure a small cash loan, with payment due in full at the borrower's next paycheck. The borrower writes a postdated check to the lender in the full amount of the loan plus fees. On the maturity date, the borrower is expected to return to the store to repay the loan in person. If the borrower does not repay the loan in person, the lender may redeem the check. If the account is short on funds to cover the check, the borrower may now face a bounced check fee from their bank in addition to the costs of the loan, and the loan may incur additional fees or an increased interest rate (or both) as a result of the failure to pay.
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.
Any person who violates any provision of §987 of Title 10 of the U.S. Code, as amended by 126 Stat. 1785 (Public Law 112-239), or any provision of Part 232 (commencing with §232.1) of Subchapter M of Chapter I of Subtitle A of Title 32 of the Code of Federal Regulations, as published on July 22, 2015, on page 43560 in Number 140 of Volume 80 of the Federal Register, violates this division.
The basic loan process involves a lender providing a short-term unsecured loan to be repaid at the borrower's next payday. Typically, some verification of employment or income is involved (via pay stubs and bank statements), although according to one source, some payday lenders do not verify income or run credit checks.[13] Individual companies and franchises have their own underwriting criteria.
Any person who violates any provision of §987 of Title 10 of the U.S. Code, as amended by 126 Stat. 1785 (Public Law 112-239), or any provision of Part 232 (commencing with §232.1) of Subchapter M of Chapter I of Subtitle A of Title 32 of the Code of Federal Regulations, as published on July 22, 2015, on page 43560 in Number 140 of Volume 80 of the Federal Register, violates this division.
New customers can receive a payday loan of up to $600. After new customers pay off their first payday loan, they are eligible to apply for another cash advance with Mypaydayloan.com. The amount of money that can be requested increases by $100 each time a customer applies for a new payday loan. For example, after a new customer pays off an initial loan of $600, he or she may apply for a $700 loan, and after that loan is paid off, the customer may apply for an $800 loan.
The term signature loan is often interchanged with personal loan. Some people also call it loan of good faith as lender banks on your good faith to pay the loan and nothing more. Regardless, a signature loan is an unsecured loan that typically has so few qualification requirements that all you need to qualify is your signature and the promise that you'll repay the loan. A signature loan allows you to borrow a larger amount of money than a payday loan and you can pay it back over a longer loan term. You can then use the loan for any purpose such as celebrating your anniversary, going on vacation, funding education or consolidating your debt.
Find out if you have — or if your bank will offer you — overdraft protection on your checking account. If you are using most or all the funds in your account regularly and you make a mistake in your account records, overdraft protection can help protect you from further credit problems. Find out the terms of the overdraft protection available to you — both what it costs and what it covers. Some banks offer "bounce protection," which may cover individual overdrafts from checks or electronic withdrawals, generally for a fee. It can be costly, and may not guarantee that the bank automatically will pay the overdraft.
The ads are on the radio, television, the Internet, even in the mail. They refer to payday loans, cash advance loans, check advance loans, post-dated check loans, or deferred deposit loans. The Federal Trade Commission, the nation's consumer protection agency, says that regardless of their name, these small, short-term, high-rate loans by check cashers, finance companies and others all come at a very high price.
Please note: This is an expensive form of credit and is intended only for short-term financial needs. Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, or expenses related to your job. Spotloans are not intended to solve longer-term credit or other financial needs, and alternative forms of credit may be better for you, including borrowing from a friend or relative; using a credit card cash advance; taking out a personal loan; or using a home equity loan or savings. Contact one of our relationship managers to discuss if a Spotloan is right for you.
In order to qualify for a payday loans online uk you need to be over 18 years old. You also need to have some sort of income. The income may come from any source, such as employment, unemployment, pension, benefits, etc. You also need to have a valid bank account. You can apply for a payday loan online 24/7 including holidays, Saturdays and Sundays.
Welcome to Carolina Payday Loans, Inc.! We are pleased you have chosen us to be your payday loan lender. Our team of representatives is committed to making your payday loan experience rewarding and hassle-free. We realize everybody may need a little help between paychecks from time to time, and we take satisfaction in helping our customers find short-term cash solutions.
Snappy Payday Loans offers payday loan and cash advance options in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. We currently do not offer loan options in Georgia, New Jersey, New York, and North Carolina.
NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.
When interest rates on payday loans were capped to 150% in Oregon, causing a mass exit from the industry and preventing borrowers from taking out payday loans, there was a negative effect with bank overdrafts, late bills, and employment. The effect is in the opposite direction for military personnel. Job performance and military readiness declines with increasing access to payday loans.[41]
Legal Disclaimer: The owner/operator of this site is not a lender or an agent, broker, or representative of any lender. This website offers a free service that attempts to connect consumers with lenders who may have loans for them. Loans are not available in all states, and approval is not guaranteed. Loan amounts, rates, and terms will vary depending on each lender and consumer qualifications. Lenders may conduct credit checks that could affect your credit score.
No lender may make a payday loan to a consumer if the total of all payday loan payments coming due within the first calendar month of the loan, when combined with the payment amount of all of the consumer's other outstanding payday loans coming due within the same month, exceeds the lesser of: (1) $1,000; or (2) in the case of one or more payday loans, 25 percent of the consumer's gross monthly income; or (3) in the case of one or more installment payday loans, 22.5 percent of the consumer's gross monthly income; or (4) in the case of a payday loan and an installment payday loan, 22.5 percent of the consumer's gross monthly income.
Depending on the state you live in, you may be able to obtain an installment loan or a line of credit. Snappy Payday Loans specializes in arranging payday loans online. However we also understand your need for more flexible payment terms than a traditional online payday advance. That's why we also arrange for installment loans and lines of credit with trusted lenders. You can borrow more and get more payment terms too! See our cash advance page for more details!
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.
As for federal regulation, the Dodd–Frank Wall Street Reform and Consumer Protection Act gave the Consumer Financial Protection Bureau (CFPB) specific authority to regulate all payday lenders, regardless of size. Also, the Military Lending Act imposes a 36% rate cap on tax refund loans and certain payday and auto title loans made to active duty armed forces members and their covered dependents, and prohibits certain terms in such loans.
The basic loan process involves a lender providing a short-term unsecured loan to be repaid at the borrower's next payday. Typically, some verification of employment or income is involved (via pay stubs and bank statements), although according to one source, some payday lenders do not verify income or run credit checks.[13] Individual companies and franchises have their own underwriting criteria.
Traditional lending institutions consider a variety of factors to determine whether an applicant qualifies for a personal loan. Whereas applicants with good credit have higher loan approval rates, people with lower credit scores are often turned down for a loan or must put up collateral such as a car, house or savings account to receive a loan. Simply missing a few credit card payments or being unable to pay a utility bill once or twice can result in poor credit. Young people with no credit history are also likely to experience difficulty being approved for a traditional loan. For people with bad credit or no credit, a payday loan or cash advance from Mypaydayloan.com is a convenient way to receive a short-term loan without having to be subjected to a traditional credit check and with no collateral required.
A 2012 report produced by the Cato Institute found that the cost of the loans is overstated, and that payday lenders offer a product traditional lenders simply refuse to offer. However, the report is based on 40 survey responses collected at a payday storefront location.[43] The report's author, Victor Stango, was on the board of the Consumer Credit Research Foundation (CCRF) until 2015, an organization funded by payday lenders, and received $18,000 in payments from CCRF in 2013.[44]
2. If a payday loan is not paid in full on or before the maturity date, a licensee may charge, after the maturity date, interest at a rate not exceeding 2.75 percent per month, except that if a licensee makes a subsequent payday loan to the customer under sub. (12) (a), and the customer does not pay the subsequent loan in full on or before the maturity date of the subsequent loan, the licensee may charge, after the maturity date of the subsequent loan, interest at a rate not exceeding 2.75 percent per month on the subsequent loan and the licensee may not charge any interest under this subdivision on the prior loan. Interest earned under this subdivision shall be calculated at the rate of one−thirtieth of the monthly rate charged for each calendar day that the balance of the loan is outstanding. Interest may not be assessed on any interest earned under this subdivision.
Before you dive into a product marketed as a one-stop financial Band-Aid, consider your alternatives. Though they aren't significantly better, installment loans can come with slightly less egregious terms and more manageable payments. While it may requires a level of humility and openness, asking to borrow from friends or family could be another possibility. Better damaged pride than ruined finances.
Payday loans are meant to last until your next payday. This means that a typical loan term will be two to four weeks, and many states have minimum and maximum terms. The length of your loan has a huge impact on the amount of interest you'll end up paying. Make sure the amount you're borrowing and the payment plan aligns with your budget as well as the prevailing state regulations.
Lenders are within their rights to file reports with the three major credit bureaus—Experian, Equifax and Transunion—if you fail to repay your loan. This negative remark will lower your credit score and may make it impossible for you to obtain short term loans or other forms of credit in the future. However, once you have repaid your debt to your lender in full, this will be reported to the credit agencies and the negative remark will be removed from your credit history.
If you're struggling to find the cash you need, and you think your only option is a payday loan — think again. OppLoans is your trusted, safe, affordable alternative to dangerous, predatory lenders. Our loans are cheaper than payday, and our repayment terms are longer. So you don't have to worry about falling into a deep cycle of debt. At OppLoans, customer service is our top priority, and we're here to help every step of the way. Apply for a better personal loan today at OppLoans.com!
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.
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.
Credit Implications: No credit decisions are carried out by our service or website. Credit checks may be carried out by an independent lender from our network if you have been referred to them, which may include reports from credit bureaus or alternative providers. This may be used to assess your current credit standing or capacity, and overall credit worthiness as deemed by the lender. By submitting your information via our loan request form you accept that such checks will take place and agree to allow lenders to verify your personal details. Taking out a short-term loan will not solve your long term debt problems, and all loans provided by the lenders in our network are intended to be repaid over a short period of time. It is wise to obtain professional guidance regarding your current financial situation, and the risks involved with short-term loans. If you cannot realistically repay the loan at the time of your next pay period, then you should seek a smaller amount or not use this service. Missing payments or failing to repay loans at all, may result in added fees and interest, and collection proceedings by the lender to try and recover the debt. Policies regarding loan renewals and collections vary from lender to lender, so make sure to read their full terms before committing to a loan.
Payday loan repayment options may differ by lender and loan amount. A borrower can make a single payment to repay the loan or make a series of payments. To ensure that the borrower will pay back the loan, the loan provider usually holds post-dated checks equal to the amount of every installment. If the borrower pays back the loan in cash, the loan provider returns his checks.
Consumer advocates and other experts[who?] argue, however, that payday loans appear to exist in a classic market failure. In a perfect market of competing sellers and buyers seeking to trade in a rational manner, pricing fluctuates based on the capacity of the market. Payday lenders have no incentive to price their loans competitively since loans are not capable of being patented. Thus, if a lender chooses to innovate and reduce cost to borrowers in order to secure a larger share of the market the competing lenders will instantly do the same, negating the effect. For this reason, among others, all lenders in the payday marketplace charge at or very near the maximum fees and rates allowed by local law.[25]
A payday loan is a small dollar short-term advance used as an option to help a person with small, often unexpected expenses. Payday Loans are short-term in nature and not intended to be used long-term or for larger purchases like a home or a car. They are a safe and convenient way to allow a customer to stretch their buying power and help cover small, unplanned expenses. Whether you're suffering from seasonal expenses like holiday bills and back to school costs or you need help with unexpected bills, or repairs, Check Into Cash can help.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, we may receive compensation from our partners for featured placement of their products or services. We may also receive compensation if you click on certain links posted on our site.
We've partnered with more than 3 million customers over the past 10 years, providing them access to the credit they need to take control of their finances. Those years of experience have helped us better tailor our loans to our customers' needs. Aspects like speed, ease of use and straightforward terms are all key parts of our loans, making for speedy and easy-to-understand loans for people who need cash fast.
Critics of the CFPB rule, such as House Financial Services Committee Chairman Jeb Hensarling (R-Tex.), argue that federal regulation of these loans infringes on state sovereignty. But the current system of state-level regulation, without any federal floor, imposes its burdens on states that seek to protect their residents from payday loans. Lenders often operate across state lines, lending from states where payday loans are permitted to borrowers in states where such loans are illegal. This makes it incredibly difficult for these "restrictive" states to protect their residents from being saddled with unaffordable debts.
Texas loans are arranged by Cash Central of Texas, LLC, 16283-59168, a licensed Credit Access Business (CAB). CAB is not a lender. Loans are provided by unaffiliated third-party lender First Financial Loan Company, LLC pursuant to the Texas Finance Code, Chapter 393. Cash Central of Texas, LLC is regulated by the Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207.
The maximum loan amount is $1,000. Customers may also request a smaller amount based upon their individual needs. A short-term loan from Mypaydayloan.com can provide much needed financial relief to borrowers with all types of credit. Find out more about the basic requirements applicants must meet to qualify for a fast payday advance and apply today.
Bad credit payday loans can be defined as the loans that are specifically designed for the people with bad credit in the similar way as conventional bank loans. Collateral used for securing payday loans are funds from the borrower's next paycheck. Once the borrower completes the loan application, the loan provider will check if the borrower has a permanent job with the same employer for a minimum of 6 months before he applies for the payday loan. The lender will also verify if he has an active checking account. Like a conventional loan, the payday loan amount is partially determined on the basis of the borrower's monthly income and his relationship with the lender, if he has taken out a loan from the same lender before. Payday loans are generally offered without a credit check and so such loans are often called as bad credit payday loans. They are sometimes also called as 'cash advance loans' or 'cash store loans'.
Disclaimer: This service is not a lender and therefore cannot determine whether or not you are ultimately approved for a short term loan, nor can we determine the amount of credit you may be offered. Instead, we facilitate business relationships between consumers like you and the lenders in our network. Our purpose and goal is to match you with one or more lenders from within our network who can provide you with the cash you need in an emergency. We will never act as an agent or representative for any of our lenders, so you can rest comfortably in the knowledge that you will receive fair and competitive offers.
The Ohio Supreme Court resolved any doubts about the legality of this loophole in Ohio Neighborhood Fin., Inc. v. Scott, 139 Ohio St.3d 536, 2014-Ohio-2440. The Court held that payday lenders can also be mortgage lenders under the MLA. Interestingly, one of the justices noted that after passage of the STLA, not a single payday lender registered as such under that law. The justice wrote:
Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer. Morningstar: © 2018 Morningstar, Inc. All Rights Reserved. Factset: FactSet Research Systems Inc.2018. All rights reserved. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Standard & Poor's and S&P are registered trademarks of Standard & Poor's Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices © S&P Dow Jones Indices LLC 2018 and/or its affiliates.
Living without the credit that you need can seem way too hard for some people who have never had a fair shake. When you find yourself in need of cash due to a wide variety of circumstances or feel like you just cannot get ahead without some credit improvement, think payday loans no credit check as small online personal loans for you boosting your own economic situation. Using these kinds of tools like payday loans no credit check can help change your overall financial picture from dark to bright.


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There either is or is not, that's the way things are. The colour of the day. The way it felt to be a child. The saltwater on your sunburnt legs. Sometimes the water is yellow, sometimes it's red. But what colour it may be in memory, depends on the day. I'm not going to tell you the story the way it happened. I'm going to tell it the way I remember it.
The Lizzie Bennet Diaries is an innovative, original episodic video and social media series produced for the web. Adapting Pride and Prejudice to the modern era, Lizzie Bennet tells the classic Jane Austen tale from the point of view of an Elizabeth "Lizzie" Bennet who grew up in a world of cell phones, video cameras, and social media. The series was created by popular YouTube personality Hank Green and Streamy Award winning web video writer Bernie Su.
The holiday season is bringing more than cheer for actress Jessica Capshaw. The Grey's Anatomy star announced on Monday that she and her husband, Honest Company co-founder Christopher Gavigan, are expecting their fourth child. "The holidays have certainly arrived … All of our lives are being added to by the lights, the music and cheer!!" she captioned a photo of her family at a Christmas tree farm on Instagram. "This year our family has reason to further broaden our smile … baby number four is on the way!! I am a lucky, lucky girl…"
The quickest way to tell whether an actor is serious about his or her career is to look at their "headshot".Is it a professional photo? Or is it a snapshot taken on prom night? If you're using a snapshot, it's like showing up to race the Indy 500 in a VW Beetle. Nobody is going to take you seriously. I'm sorry, people… you can send me as much angry e-mail as you want about this, but it's true! Don't tell me you're destined to be a major Hollywood star but you cannot scrape together the cash to get professional headshots.
The Grinch from Dr. Seuss' How the Grinch Stole Christmas! The Musical stole the spotlight at the Empire State Building's 86th Floor Observatory December 14, 2012, to promote the musical's limited holiday engagement. Discover the magic of Dr. Seuss' classic holiday tale as it comes to life on stage. Featuring the hit songs "You're A Mean One, Mr. Grinch" and "Welcome Christmas," The Grinch discovers there's more to Christmas then he bargained for in this heart-warming holiday classic.
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Pantone's 'Color of the Year 2019' was unveiled this week and it is official; 'living coral' is the hue we will be seeing everywhere next year. But, as usual, the catwalk is one step ahead of the game.
Pantone's 'Color of the Year 2019' was unveiled this week and it is official; 'living coral' is the hue we will be seeing everywhere next year. But, as usual, the catwalk is one step ahead of the game.
Outdoor apparel company Woolrich has announced plans to expand its SoHo store, nearly doubling the size of the Wooster Street location.
Streetwear brands The Hundreds and Chinatown Market have channeled their shared heritage to release a new collaborative collection of apparel and more.
Things are moving fast at Ted Baker and just a few days after allegations emerged about a "forced hugging culture" at the company, comes news that its CEO is now on a voluntary leave of absence.
According to FashionNetwork.com sources, the US fashion chain will exit France in January, when its Paris flagship will close down, and is working on a job-protection plan for its French staff.
Parisian labels Sézane and Manoush have launched a joint festive collection available from December 9, one of Sézane's four year-end collaborations with 'friend' brands.
Upper-premium apparel and accessories brand Boss has signed up for space in the £180 million Intu Watford extension and will open before Christmas as extended supermalls prove increasingly attractive to top brands.
Using artificial intelligence has helped to increase email revenue from hyper-personalised marketing communications by as much as 28% at retailer Footasylum.
The British Fashion Council has released the names of the final 60 young creative talents being honored at this year's Fashion Awards 2018.
When a UK retail report starts with the words "the worst November in three years despite the heavy discounting," you know things aren't right and the latest BDO report showed it was a tough month for fashion stores.


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New and affordable mobile devices for PowerVR developers
A lot of you have been asking us recently about chipsets using PowerVR GPUs and mobile devices using these SoCs that you can buy worldwide.
A lot of you have been asking us recently about chipsets using PowerVR GPUs and mobile devices using these SoCs that you can buy worldwide.
Whether it's the Top 50 Internet of Things applications, UK's Trending Searches for 2012, Tom's Hardware multi-part holiday gift guide or the Top 10 games
Since we've been busy preparing our 2012 annual report, we thought we'd share two brand new infographics we've created. The first one – 'A complete
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Tel: +44 (0)1923 260 511
The automotive industry is going through many changes and that is having a huge impact on the semiconductor IP industry. The vehicle will move from being predominantly mechanical to primarily a computer on wheels enabling a future of self-driving cars,
Here's an early Christmas present for graphics developers – the release of the latest version of our PowerVR Tools and SDK! The headline features for this release include some exciting new examples demonstrating new techniques in our SDK, and some very
Imagination's PVRIC4 image compression tech garnered plenty of attention at the recent ICCAD China 2018 symposium, which took place on 29th and 30th November at the Zhuhai International Convention & Exhibition Centre, China. The annual event focusses on integrated circuit
Introducing PowerVR Series9XEP, Series9XMP, and Series9XTP As Benjamin Franklin once said, only three things in life are certain: death, taxes and the ongoing rapid advancement of GPUs for embedded applications*. Proving his point, this week, Imagination has once again pushed
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text: ST. PETERSBURG � The police department�s leadership replenished its ranks as two new assistant chiefs officially took office at Monday�s promotion ceremony.Assistant Chief Antonio Gilliam, who was the major in charge of District 3, which covers much of the city�s western neighborhoods, now leads investigative services.Assistant Chief Joseph Dente, who previously served as the major for District 2, which includes downtown, was tapped to lead the uniform services bureau.TOP COP RETIRES: St. Petersburg�s Luke Williams retiring as a cop, not as a role modelThey replace two recently departed assistant chiefs, Luke Williams, who retired after 32 years with the department, and Jim Previtera, who took a job overseeing security for the Tampa Bay Rays.Gilliam, 40, has worked for the St. Petersburg Police Department since 2001. He started as a patrol officer and later became an undercover vice and narcotics detective.He later commanded the street crimes unit and the vice and narcotics division. He became a sergeant in 2008, was promoted to lieutenant in 2010 and then major in 2015. He is a married father of two from Tallahassee and holds a criminology degree from Florida State University.Dente, 48, joined the department as a patrol officer in 1994. He has served as a detective in the crimes against children division and in major crimes. He became sergeant in 2003 and was a part of the management team that created the street crimes unit and also worked in vice and narcotics.He became a lieutenant in 2008 and a major in 2016. He has also led the department�s SWAT team for several years. He is a married father of two with a criminology degree from Florida State University. Both men said they look to their upbringing to guide their police work. Gilliam said his Tallahassee neighborhood was hampered by drugs and five of his friends lost their lives before he was 21 years old."It motivates you to ensure that the unsafe environment that I grew up in, it�s not repeated," Gilliam said after Monday�s promotion ceremony. He plans to do that not just through enforcement and arrests, but also through education and activism."I�m looking to bridge the gab between law enforcement and the community," he said.PREVIOUS COVERAGE: St. Pete losing two assistant police chiefs; one will join RaysDente said he grew up watching officers walk the beat in his hometown of Newark, N.J. It�s a style of policing he admired, comparing it to St. Petersburg police Chief Tony Holloway�s Park, Walk and Talk program to get his officers out of their vehicles and talking to the public."I grew up in a very diverse community, and that�s helped tremendously" in his police work, Dente said.Both commanders tipped their hat to the recently retired Williams.Gilliam remembers when he first met Williams as a new officer. Now Gilliam replaces him as the department�s only black assistant chief. He considers Williams a mentor."I�ll never forget seeing an African-American male wearing the gold badge (for supervisors), someone I could look up to," Gilliam said.Dente said he has "big shoes to fill" in replacing Williams as the assistant chief overseeing uniformed services, which includes patrol officers and is roughly 75 percent of the department.Maj. Frank Williams, promoted from lieutenant, will take over for Gilliam as the commander of District 3. Maj. Mark Hensley was also promoted and will take over District 2. Maj. Shannon Halstead will take over the crimes against persons division.Monday�s ceremony continued the command staff�s turnover of recent years. Holloway was Clearwater police chief before he took over St. Petersburg�s top job in August 2014. That year he brought in Previtera from the Hillsborough County Sheriff�s Office.The longest serving active assistant chief is Mike Kovacsev, who was promoted in March 2016 to oversee the administrative services bureau. He replaced Melanie Bevan, who was named Bradenton�s police chief.Holloway compared it to a relay race:"Without looking back, you�ve got to reach back and take the baton from the person behind you," he said. "It�s about trust."Contact Josh Solomon at (813) 909-4613 or [email protected] Follow @ByJoshSolomon.


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For the first time in over 3,000 days, the Minnesota Timberwolves are on a five game winning streak. After beating the Charlotte Hornets Sunday night, the Wolves complete the first ten games of 2017 with a 7-3 record. **Rick Flair Woo Noise**
Timberwolves 112, Hornets 94
I'm extra jacked after that one. It's tough to tell if it's because of the extra hour of sleep, not spending my energy on a Vikes game, or what the hell is going on. Regardless, if the intensity bleeds through too much on this edition; my bad. Juiced up right now like you wouldn't believe. Lance Armstrong and baseballs don't have anything on me.
How does the old saying go? If it isn't broke, don't talk about it? At least that's how my superstitious self believes it should go. After back-to-back blowout wins, Thib's unit (perverts) is currently far from welfare status. Let's double down on the old sayings. The Wolves are operating like a well-oiled machine.
Our unit (grow the hell up) had a few individual performers we need to discuss. First and foremost, is Jeffrey Demarco Teague. While his 18 points and 12 dimes show up on the stat sheet, his most important asset doesn't. Minnesota's new starting PG spaces the floor. Something that Ricky Rubio was unable to do. The floor spacing leads to better ball movement and more open looks, ultimately resulting in more victories. Funny how that stuff works.
The Timberwolves got 20 Pts on an extremely efficient (8-12 FG) shooting night from Andrew Wiggins aka Maple Jordon. Jimmy and KAT did their respective things. Gorgui Dieng and Jamal Crawford dropped 15 each to lead reserves. Crawford was able to add another four-point play to his résumé. Same shit, different day. The 18-year veteran now has fifty-one said plays in his career. That is by far the all time record. GOAT.
The Michael Jordan owned Hornets aren't anything to write home about. Kemba Walker is a good, not great PG. Dwight Howard, despite being 3rd in rebounds this year, is a shell of his former self. Stan Van Gundy built that mid 2000's Magic team around his All NBA Center. The big man rewarded SVG by leading Orlando to a NBA Finals appearance in 2009. Since then Dwight is more known for wasting Kobe's time and hitting the clubs, rather than his on the court accomplishments.
It didn't hurt that Charlotte's third most known player, Nicolas Batum, was inactive. The French born athlete is dealing with an elbow injury. With or without Batum, I see the Hornets missing the playoffs in the East.
A lot of the Wisconsinites were tuned in last night to watch Frank Kaminsky. They witnessed the former AP Player of the Year for the Badgers register twenty-five forgetful minutes. After posting a garbage -31 line, I once again found myself questioning that draft pick. Nothing against Kaminsky and I know the Gophers haven't produced anyone like that recently….BUT, 9th overall?!? Reaching on him over the likes of Devin Booker and Myles Turner was/is a head scratcher. What are you doing, MJ? That's unlike you. Outside of running this team, anything you touch belongs in the Smithsonian.
That's it from me. We now turn it over to Jimmy Butler to wrap things up. Talk to us Jimmy:
#Twolves Jimmy Butler: As long as we play hard and stick together, through the good and the bad, we're going to be ok pic.twitter.com/UBfl7SEDFY
— FOX Sports North (@fsnorth) November 6, 2017
Big Three: Wiggins (20 Pts, 3 Reb), Butler (13 Pts, 6 Reb), Towns (16 Pts, 9 Reb)
Next Game: Wednesday @ Golden State. 9PM CST. ESPN.
Juan Gorham
Twitter: @mnsportnstuff
Instagram: mnsportsnstuff


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Global Light Controls Market 2018 Overview by QY Market Research:
QY Market Research has published the latest report titled Global Light Controls Market Report 2018. Light Controls Market report provides global coverage of Light Controls market data from 2013 to 2018. The Light Controls report starts with the overview of Light Controls industry, chain structure, and further, it describes current Light Controls industry situation, analyzes global Light Controls market share/volume and forecast up to 2023. Light Controls market report studies world's major regions and also provides Light Controls industry key player's profiles/analysis, regional coverage insights, product insights, Light Controls product types and product application insights.
The Global Light Controls Market is valued at about XX million USD in last year (2017) and it is expected to reach XX million USD in upcoming years (2018-2023). The volume(%) of Light Controls Market is predicted to grow with a spectacular growth of XX% CAGR during the forecast period. In this study report, the years considered to predict the market size of Light Controls are Base Year: 2017, Estimated Year: 2018, History Years (last 5 years history data): 2013-2017, and forecast years 2018 to 2023.
Read Full Report Details & Get Sample Report PDF Copy@: www.qymarketresearch.com/report/214107#request-sample
Major Manufacturers Covered in Global Light Controls Market Report are:
Lutron, Leviton, Hubbell Wiring Device-kellems, Watt Stopper, Maestro, Grainger, Nicor, Acuity Brands, Inc., CONTROL4 CORPORATION, Cree, Inc., Daintree Networks, EATON, Enlighted Inc., General Electric, Honeywell International Inc., Koninklijke Philips N.V., LSI Industries, Inc., Legrand, Lutron Electronics Co., Inc., OSRAM Licht AG, Schneider Electric
Light Controls Industry Regional Coverage and Insights:
Geographically, the worldwide Light Controls market research report divides globally into some key Regions, with revenue data (Million USD), market share data (%), sales data (K Units), and growth rate of Light Controls industry for these regions, from 2013 to 2023 (forecast). The Light Controls research report covers Light Controls market in North America (United States, Mexico, and Canada), Light Controls industry in Europe (France, Germany, Spain, UK, Italy and Russia), Light Controls marketplace in Asia-Pacific (India, China, Japan, Malaysia, Korea, Singapore, and South-east Asia), Light Controls business in Central & South America (Chile, Argentina, Brazil) and Light Controls market in the Middle East and Africa (UAE, Turkey, Saudi Arabia, Egypt and South Africa). Light Controls Report also provides information of the Key Stakeholders with Light Controls Manufacturers, Light Controls Traders/Wholesalers/Distributors, newcomers, decision makers, Light Controls Sub-component Manufacturers, Light Controls Industry Association, and Downstream Vendors.
On the basis of Product Type, the Global Light Controls Market report shows the Light Controls revenue (Million USD), production, product price (USD), sales volume (K Units), Light Controls market share and growth rate of each type, mainly divided into;
EnoCean, ZigBee, Bluetooth, Wi-Fi
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Commercial Application, Industrial Application, Outdoor Application, Automotive Application
The report contains a strategical analysis of the Light Controls market main downstream vendors and focuses on company requirement that includes growth opportunities, driving factors, constraint, major risk and challenges in the sales market.
In Conclusion, the report predicts on the Global Light Controls Market trend, volumes (million USD) and CAGR in (%) from the forecast period 2018-2023. The Light Controls report also defines the revenue generation through various sectors and explains noteworthy investment strategies towards the Light Controls market. It additionally gives key ideas about the Light Controls market's geographical landscaping, new products launches, as well as the competitive approaches executed by the leading Light Controls market players.
Table Of Content Of Global Light Controls Market 2018 Report Mainly Covers Following Chapters:
Chapter 1. Light Controls Industry Overview.
Chapter 2. Worldwide Light Controls Market Competition by top players/producers, Product Type, and Application.
Chapter 3. The United States Light Controls market Share and sales volume by manufacturers, types, and application.
Chapter 4. Europe Light Controls Market Share, Growth Rate, & Light Controls Sales.
Chapter 5. China Light Controls industry (Sales Value, Volume, and Cost).
Chapter 6. India Market (Sales Value, Volume, and Price).
Chapter 7. Japan Light Controls industry Trend, Income, Sales Value, development Rate.
Chapter 8. South-East Asia Market (Sales Value, Volume, and Cost).
Chapter 9. Global Light Controls leading Providers/players Profiles and Deals Information.
Chapter 10. Production/Manufacturing Cost Analysis of Light Controls Industry.
Chapter 11. Light Controls Modern Industrial Chain, Sourcing Methods and Downstream Buyers.
Chapter 12. Worldwide Light Controls Marketing Strategy Analysis, Wholesalers/Dealers.
Chapter 13. Light Controls Market Impact Components Analysis.
Chapter 14. Global Light Controls Market Figure and Forecast (2018-2023).
Chapter 15. Worldwide Light Controls Industry Research Findings and Conclusion.
Chapter 16. Appendix.
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it's been 1 3/4 hours and the dvd still hasn't finished burning. Is this supposed to be this long?
Is it normal to take hours to copy a singlr dvd?
allnighter #1
eric93se #2
Welcome to the forum allnighter
No, its not normal. Your drive might be stuck in PIO mode, try to enable DMI in the device manager.
olyteddy #3
Welcome allnighter. Questions like yours often need more info before they can be answered. Ripping or Burning? What Software? What Hardware? Shrinking or Re-encoding? As you can see you leave us guessing. My guess is it shouldn't oughta…


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Hi everyone! My updates haven't been that very well for a while but I can assure you more content is on its way. I've been on the go for the past two and half months and it's the first time since I went to the Philippines in December for a month that I feel that I can finally settle in at home and not worrying about the next trip. My mind and body is very tired but I'm still determined to keep working hard on my photography. ~ I have lot's of more fun pictures from Melfest to share, stories to tell and even videos to post. As for now, I will post this photo of the final lineup in Melodifestivalen 2018. I don't know about you, but I had a hard time to pick only a few acts to vote on since I liked many of them. What did you thought about the lineup and the result of Melfest 2018? ✨
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UVDynamics 6.30 | UV Lamp UVDynamics 6-10 GPM | OEM | 400152
UV Lamp UVDynamics 6-10 GPM | OEM | 400152
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UVDynamics 400152 Ultra Violet Lamp /Bulb
Ensure that your UV Dynamics Disinfection System is operating effectively by replacing the Ultra Violet Lamp after every year of running time. After twelve months, the ultraviolet (UV) light from this lamp will no longer provide the necessary output to ensure proper bacterial disinfection. This replacement UV Lamp / Bulb is suitable for UV Dynamics 6-10 gallon per minute systems and the lamp can be installed without the use of any tools. Step by step details on how to reset the UV Lamp Counter are included on the lamp packaging.
Buy a Genuine UVDynamics 400152 Ultra Violet Lamp / Bulb. Wahl Water has Canada's Largest Online Selection of replacement ultra violet disinfection items with free shipping on all orders over $75.00 within Canada. Convenient, fast shipping of UV Systems, UV Lamps, UV Sleeves, UV Parts, Power Supplies, Accessories & UV Bulbs via courier to your location in Canada. Detailed product information, manufacturers part numbers and online support provide a peace of mind that you are receiving the correct replacement part for your system.
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Manufacturer: UV Dynamics
Manufacturer Part Number: 400152
Systems Used In: 6.30, 8.30, 8.40
Systems Used In 8.40E, 10.30, 10.30E
Systems Used In: UVD240, UVD320
Systems Used In: UVD320/S, UVD320E
Systems Used In: MR320E-TP1-100
Systems Used In: MR320E-TP2-200
Shipped with Main Replacement O-Ring
4 Pin Lamp with a Blue Base
Lamp Reset Instructions on Packaging
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UV Lamp UV Dynamics | 400152
All Canadian Provinces - No Other Country
Ontario, Quebec, Nova Scotia
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Worked Great
Received this quickly and it worked great.
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Reviewed by:
Todd Graham
from Hanover, Ontario.
on 2/1/2015
As advertised!
I bought this bulb for my cottage system and it arrived the next day to my house in Toronto. The package was well wrapped and I am impressed with the next day service!
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Trina Williams
from Toronto, ON.
on 6/1/2018
I will buy again!
I will deal with this company again for my next purchase. They were very helpful on the phone and took my order with no problems. The bulb arrived the next day by Purolator. Thank you for the wonderful service!
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Stella Woron
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on 5/17/2018
Excellent service. Next day delivery.
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Terry Boyce
from Dunsford, On.
on 11/22/2017
Great Service
I spoke with Drew at the customer service desk and he was very helpful. My lamp arrived the next day via purolator and I will be back to purchase again next year.
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Frank H.
from Orilla, ON.
on 11/1/2017
I purchased this bulb for my cottage and very happy with the service I received with next day delivery and packaged very well I would most definitely order again. Thank you Larry
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Reviewed by:
from Brampton .
on 7/31/2018
Order as promised.
After speaking with Jeff on the phone, I placed my order and was surprised when the delivery truck arrived the next afternoon. I would recommend this company to anyone who is looking for UVDynamics replacement bulbs.
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Reviewed by:
R. Wiltson
from Grand Valley, ON.
on 7/26/2018
400152 UV Lamp Specifications
Genuine UV Dynamics Ultra Violet Lamp
Lamp Life of 9,000 Hours (1 Year)
Lamp Length: 16 Inches
Lamp Wattage: 35 Watts
4 Pin Lamp with a Blue Base
Delivery to All Canadian Provinces & Territories
Southern Ontario: Next Business Day
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Canada's UV Superstore provides replacement ultra violet systems, ultra violet lamps, quartz sleeves, power supplies and associated parts for 15 different manufacturer's UV systems. Ultra violet disinfection systems for residential, cottage, commercial and campgrounds. Our system utilizes real time stock status, searches by model or manufacturer, related model items and shipping to all of Canada including P.O. Box Numbers. Reliable, fast shipping via UPS, Canada Post or Purolator from a warehouse located in Canada. Tracking numbers for all purchases sent to you via email and all packages are wrapped securely to prevent damage during shipping.
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Accessories. Thursday , November 23rd , 2017 - 12:38:45 PM
Apart from complimenting your newly painted walls with soft furnishings and effective flooring, home decor accessories in a room are just as equally important. Accessories ranging from flowers in a contemporary vase to art pictures hanging on your walls, all add the finishing touches to any room. Above all, accessories add personality to a room, they inject your own personal touch making your home unique to you and comfortable and inviting for you and your family. You will be surprised at the important role that art pictures play in home decor accessories. Not only do pictures add your own personality into the room, they absorb noise and can actually help change the illusion of a rooms shape if placed in the right places.
Horses are beautiful and graceful animals that can add different things to the rooms in your home, such as rustic charm or classic elegance. It depends on the rest of the rooms decor and the type of horse that you add to it, from classic beauties such as racehorses or Arabians to comical representations or rustic painted ponies. Horsing around in your home decor can be a lot of fun and a really interesting way to complete the look you love for each room. Most of us decorate by choosing the perfect accessories and accents for each room, keeping the background shades on the walls and floor neutral and letting the decor stand out through these touches. There are literally hundreds of different ways to add horse accessories to any room, such as horse bust lamps for instance. They are attractive and add a rustic touch to your decor, especially if you choose a wrought iron or bronze lamp. You can find them online or in a few traditional home decor stores, but make sure it is one that caters to country and western decor to find ideas that look authentic and stylish instead of being cheesy or looking tacky.
With furniture, you may want to look for key words aside from made in the U.S.A. For example, kiln-dried frames are higher quality than frames that have not been kiln-dried. The same goes for taking note of what fabrics are being used, and so forth. With other items, its pick and choose. When youre out shopping for home accessories and you pick an item up, you should feel whether it feels shoddy and cheap, or whether it feels sturdy and well constructed. Its really all about the feel of the item. Just be cautious and go with your gut instinct.
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Star your favourite properties and they'll display here for easy access.
Save your property searches and we'll email you as new homes hit the market.
If you're new to buying property, there's a lot of lingo to get your head around. Find out what it means to make an unconditional offer on a home, including when you bid at auction.


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Crest Appraisal Services: Advanced technology for superior appraisals
Here at Crest Appraisal Services we seek to be on the forefront of appraisal technology. From smart phones and tablets to laser measuring and GPS devices, we are always looking to find better, faster methods for appraising. Call us geeks. Call us nerds. Call us what you will, but by all means, call us at (206) 242-2675 for appraisal orders in King County!
In recent years, appraisals are more demanding than they ever have been . We put quality first but we know that speed is when your looking for an appraisal we've found that the best place to save time is by adjusting our workflow. In our effort to be the best we've found that using the very latest in new technology allows us to bring you more accurate reports, quicker turnaround times, and excellent customer service.
Work with someone who uses technology to their advantageContact Crest Appraisal Services
Enhancing the ordering experience
Way back when, the majority of orders were delivered via fax and were confirmed with phone calls once we arrived at the office. In this scenario, it might of taken quite a while to hear back to see if the order could be taken. Things are quite a bit different different now. These days, when orders are entered on the website, we receive a digital notification. We often log into our site from the field and send back an email confirmation – including the time and date for the inspection if we've been able to talk to the occupant.
At Crest Appraisal Services we understand it's all about "cycle time". We utilize our resources to reduce the waiting between communications and the faster we can get things done directly effects your bottom-line. This website definitely reduces cycle time for us and our clients by enhancing our communications.
Report delivery
Delivery of appraisals as PDF files through email is definitely the standard these days. Generally our clients are most familiar with receiving PDFs attached to their email. It's much faster than when everything was on paper. But,we've even been able to enhance report delivery with this website.
Everyone knows how frustrating it is to lose a file. Or have you ever had problems sending or receiving an email because of the file size? We have the technology to overcome those problems, too. When we deliver an appraisal through our website, the client is emailed a link to retrieve the PDF. By bypassing email completely we get around any problems caused by file size. Best of all, the file is hosted on our site for 90 days. So if anything happens to the file, you can log back into our site and retrieve it - saving you time, since we won't even need re-send the report.
Tech-savvy data gathering
Gathering the data for an appraisal is an in-depth process.. We spend a great deal of time collecting both specific information about the subject property and general data about the local market and developing trends. Once again, technology has stepped in to help Crest Appraisal Services.
Instead of using paper forms and pencils and then re-keying all the information at the computer, don't be surprised to see us with a tablet or collecting data using an app for our phone that allows us to sketch a floorplan right on the spot. Rather than using a clumsy, outdated tape measure, more and more appraisers are employing laser measuring devices that are quicker, more accurate, and can get into places that a normal tape measure can't.
All of this technology ensures the final report is as complete and accurate as possible, avoiding call-backs and revisions. This can be a real money saver for busy appraisal clients.
Digital work file technology
It would be much easier if appraisers could complete an assignment, deliver it, and never be concerned with revisiting that report again. But one purpose of an appraisal is as a legal document outlining the condition of a property on a specific date. Therefore, appraisers must retain their reports for 5 years in case any disputes or other matters arise regarding the property.
Here again, Crest Appraisal Services uses all the technology available to us to improve service. By storing every aspect of the appraisal - notes, sketches, supporting documentation, and calculations - along with an electronic copy of the appraisal, we can pull up the entire file whenever it's needed and recall precisely what that job was about.
These are just a few examples of how we use technology daily. Using the right tools, along with the appraisal know-how you expect allows the appraiser to collect the right data and finish the report quickly and more accurately. The goal is to lower costs, and ultimately save you, our cilent, time and money.


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Goldfinger by Ian Fleming (Jonathan Cape, 1959). First Edition British Hardcover Book (318 Pages, 5" X 7.25"). James Bond.. ...Click the image to load the highest resolution version.
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DescriptionGoldfinger by Ian Fleming (Jonathan Cape, 1959). First Edition British Hardcover Book (318 Pages, 5" X 7.25"). James Bond.
By far considered to be one of Ian Fleming's best titles in book stores and movie theatres alike, the seventh novel in the James Bond series has been a favorite among the superspy's fans for years. An unrestored first edition, country of origin, British hardcover book with good color and an overall very presentable appearance. It may have edge and spine wear, slight creases, small tears, a few nicks in the dust jacket, and/or stains and smudges on the outside of the pages. There is a surface scuff on the plastic dust jacket wrapper, and the dust jacket has some mild toning, small paper lifts, a price cut, and staining with slight surface rippling. The interior pages show very little wear. Please see full-color, enlargeable image above for more details. Fine+.
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Gilda (Columbia, 1946). Folded, Fine+. Insert
Rebel Without a Cause (Warner Brothers, 1955). Folded, Fine+. Insert
Ali Baba Goes to Town (20th Century Fox, 1937) Fine/Very Fine on Linen. One Sheet
Presenting Lily Mars (MGM, 1943). Folded, Fine+. One Sheet Style C
For a Few Dollars More (United Artists, 1967) Folded, Fine/Very Fine. One Sheet
The Killers (Universal, 1946). Very Fine-. Title Lobby Card
The Three Caballeros (RKO, 1945). Fine+ on Paper. Half Sheet Style A
Missile to the Moon (Astor Pictures, 1958). Folded, Fine/Very Fine. Half Sheet