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Terms and Conditions
Greener Beauty Ltd is a UK registered company (registration no 112505657) at the registered address Brooklands, 17 Goodwood Ave, Felpham. PO22 8PH.
GreenerBeauty.com and all its logos and trademarks are owned by Greener Beauty Ltd and are protected under UK copyright and trademark laws. All material on this site is protected and cannot be used unless explicitly granted permissions by Greener Beauty Ltd.
The following terms and conditions apply when you are using the website GreenerBeauty.com either for searching for a local salon or the online shop either on GreenerBeauty.com or any variations of the website also owned by Greener Beauty Ltd. By using our website, you accept these terms and conditions in full. Accordingly, if you disagree with ANY of the terms or conditions outlined in this article you must not use our website.
These terms and conditions are governed by and constructed in accordance with English Law.
We are committed to safeguarding the privacy of GreenerBeauty.com website visitors. GreenerBeauty.com uses cookies; by using our website you are also consenting to our cookie policy which can be found here.
User – Terms and Conditions
We do our best to ensure that the salons listed remain vegan friendly. We email all the salons every 6 months asking them to confirm that they still use vegan friendly products, we carry out monthly random spot checks and it is also listed in the salons terms and conditions that if they are no longer vegan friendly that they contact us and their listing will be removed. However we do suggest that if phoning up a salon do ask to verify that they still use vegan friendly products. We cannot be held liable if a salon changes their products and do not inform us.
When you create a login for Greener Beauty whether this is using an email address or a Facebook profile the data collected as a result of this will only ever be used for purchases completed on the shop for order and delivery information. We will never email you or contact you without you having given us direct consent to do so by completing the newsletter sign up form.
You are responsible for ensuring that your password is complex enough and is changed at regular intervals. It is also recommended if creating an account using an email address that the password is unique to your Greener Beauty account. If you are aware that your password has become compromised please contact us ASAP on email@example.com. Greener Beauty Ltd will do all it can to help ensure that no payments are made fraudulently however we can not be held liable for any losses as a result of your password becoming compromised. Your password is your responsibility to ensure that it remains confidential.
You agree that you will not:
use the Site for promotional or commercial purposes, except as expressly permitted by Greener Beauty;
modify, adapt, appropriate, reproduce, distribute, translate, create derivative works or adaptations of, publicly display, sell, trade, or in any way exploit the Site or Site Content (other than your own added content), except as expressly authorised by Greener Beauty;
reverse engineer any portion of the Site.
remove or modify any copyright, trademark or other proprietary rights notice on the Site or on any materials printed or copied off of the Site;
use any robot, spider, site search/retrieval application, or other automated device, process or means to access, retrieve, scrape, or index the Site or any Site Content;
access, retrieve or index the Site to construct or populate a searchable database of business, business reviews or any other component of the site;
reformat or frame any portion of the Site without consent by Greener Beauty;
take any action that (i) imposes or may impose, in Greener Beauty's sole discretion, an unreasonable or disproportionately large load on our infrastructure or server, including but not limited to, throttle violations; (ii) interferes or attempts to interfere with the proper working of the Site or any activities conducted on the Site; or (iii) bypasses any measures we may use to prevent or restrict access to the Site;
User Conduct
As a condition of use of the Site, you promise not to use the Site or any services available on the Site for any purpose that is unlawful or prohibited by these Terms of Use, or any other purpose not reasonably intended by Greener Beauty. You understand that you are expected to respect the rights of others as a condition of your use of the Site.
Solely as examples, and not in any way limited to the following examples, you agree not to use the Site or services available on the Site:
- To abuse, harass, threaten, stalk, impersonate, intimidate or bully any other users of GreenerBeauty.com
- To post or transmit any content that is infringing, libellous, defamatory, obscene, pornographic, abusive, offensive, profane, or otherwise violates any law or right of any third party, or content that is degrading, intimidating, or hateful toward an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age or disability
- For any illegal or unauthorized purpose.
- If you are an international user, you agree to comply with all local laws regarding online conduct and acceptable content
- To post or transmit any communication or solicitation designed or intended to obtain password, account, or private information from any GreenerBeauty.com user
- To create or submit unwanted email or communications to any other users of GreenerBeauty.com
- To use or access the site in any manner that violates any laws local to you
- To submit links to or comments soliciting on behalf of multi-level marketing (MLM) schemes (otherwise known as pyramid schemes or direct selling) and the individual online shops.
- Therapists who use products from MLM companies such as Tropic or Arbonne, can list themselves as a salon listing if they fit the criteria. However, they cannot include their online shop in the listing or in any communication to Greener Beauty users. Neither can they include any Facebook groups or shop pages. Or any social media used for direct selling.
- To attempt to impersonate another user or person
- To sell or otherwise transfer your profile.
We retain the right to suspend or disable your account at any time in our sole discretion without notice or explanation.
Shop – Terms and Conditions
The Greener Beauty shop is an online retailer selling vegan friendly beauty products that are also free of any nasty chemicals. We offer two different sources of products:
- Products that you (the consumer) are buying directly from us at Greener Beauty that we have carefully selected from a range of suppliers.
- Products that you are purchasing online at GreenerBeauty.com but the order is completed and are supplied by carefully chosen 3rd party brands. If you are buying a product from a 3rd party brand you will notice the following logo on the product page.
The order process
By placing an order at GreenerBeauty.com you are agreeing to purchase the products selected at the listed price. All orders are subject to availability and acceptance by us. We reserve the right to decline any orders placed.
All communication will be sent to the email address used when completing the purchase.
Payment will be made for the full order via PayPal and no payment information such as card details will be received by Greener Beauty. The payment process and these details will be protected by the PayPal terms and conditions.
Once an order has been placed you will receive an order confirmation email detailing the products ordered.
Once the order has been accepted and dispatched another email will be sent informing you of dispatch.
Buying directly from Greener Beauty
Orders placed for products that are supplied by Greener Beauty will all be dispatched in the same delivery via the method chosen at check out. However, if you would rather collect your order from our Hove Warehouse please contact us at email@example.com and this can be arranged. Further information about the delivery options available at Greener Beauty can be found here.
Buying from 3rd Party Brands
Orders placed for 3rd party products will be sent independently by our 3rd party suppliers. They have signed strict contracts to ensure that all your personal information is safe and will not be retained by them for any purposes other than sending out your order. 3rd party suppliers also have their own delivery schedules, these are detailed in the delivery information page which can be found here.
If placing an order for products sold directly by Greener Beauty AND 3rd party brands, please be aware that the orders will be sent out separately. If you order from multiple 3rd party brands, these deliveries will also be sent out in multiple deliveries. Emails will be sent to you informing you as each product or groups of products are dispatched.
We will retain a record of all orders accepted by us. You can find the history and status of your orders by logging onto GreenerBeauty.com with the account used to complete the purchase and under account go to orders.
You may not resell any products purchased from Greener Beauty.
The price of a product shall be as stated on GreenerBeauty.com at the time you place your order except in the case of obvious error. We try and ensure that all prices on our Website are accurate, but errors may occur. If we discover an error in the price of a product you have ordered, we will not be liable to supply that item to you at the stated price, provided that we notify you before we despatch the item to you. In those circumstances, we will inform you of the correct price as soon as possible and give you the option of reconfirming your order at the correct price or cancelling it. If you cancel no payment will be taken; or if payment has already been taken, it will be refunded.
On occasions we will issue promotional codes. When viewing the 'cart' there is a field where a coupon code can be entered. Codes should be entered with care as they are case sensitive and only one code can be used against each purchase, so choose the code that best matches the products in your basket. Once the purchase has been completed the code entered can not be changed.
Return of goods
Of course we want you to be happy with all the products you purchase at GreenerBeauty.com. However, if you are not let us work with you to make it right.
Under the Consumer Contracts Regulation applicable from 2014, you are entitled to notify us of your intent to return unused and unopened products within 14 days of receipt. Goods must be returned within 28 days from receipt. The consumer is responsible for return costs.
Should you want a refund please contact us at email@example.com informing us which product you would like to return from which order no with your personal details and why you would like to return the item. Whether you no longer want the item (and it is in its original untampered packaging and can be resold) or it has been damaged in transit we will provide you with details on where to return the purchased item. On receipt of the returned item we will process a refund for the full purchase price of the item to the original method of payment within 3 to 5 working days.
Alternatively, we can provide an exchange either:
- To the same value.
- To a greater value where the balance is due for payment.
- To a lesser value where the difference can either be refunded or used towards another product.
Please not that if you are not careful with the condition of the product that is being returned a refund could be declined by Greener Beauty.
At Greener Beauty we are committed to suppling products in the best possible condition in the quickest possible delivery time; exceeding expectations every time. If you do not feel that we have achieved this, please contact us at firstname.lastname@example.com
3rd party returns policy
Eden Perfumes
If you return an item due to a mistake and want to exchange it for another item, you will be charged £5.00 for the extra delivery costs. We are very confident that you will be delighted with your purchase, but we also realise that purchasing fragrance from a website, without having tried it first, can be quite a gamble. Therefore, if your purchase arrives and it's not quite what you were looking for, you can return any item for a full refund or exchange within 14 days. Simply email us at firstname.lastname@example.com with 'Eden: I've changed my mind' in the subject line. Please include your order number in the email. Once you have emailed us, send back the item to the address below within 14 days of having received your order. The cost of returning the product to us will not be refunded. Please mark your order number clearly on the back of the package that you send back to us.
All Eden Perfumes products go through a rigorous quality checking process as part of the service we offer to you. Therefore, it's very unlikely you will receive faulty goods from us, but in the unlikely event that this happens we will be happy to refund or exchange the product as you see fit, once the fault has been verified. The cost of returning the product by Royal Mail second class recorded delivery will be refunded. Simply contact us as soon as you notice the fault using our contact form with 'Eden: Faulty' in the subject line and include details about the fault. Please include your order number in the email. Once you have emailed us, we will send you details of where to send the package. Please mark your order number clearly on the back of the package that you are sending back.
Once your item has been returned and we find everything is as expected (whether the item is faulty or sent back to us as part of the 14 Day Money Back Guarantee) we will credit the full purchase price back to the card you used to make the purchase. If the item is faulty, we will also credit the cost of returning the product to us by Royal Mail second class recorded delivery.
Mr Masey
In the unlikely event that we supply goods that are faulty, we will exchange them or refund your payment. Please contact us as soon as possible to report receipt of faulty goods at firstname.lastname@example.com
Under the Consumer Contracts Regulation applicable from 2014, you are entitled to notify us of your intent to return unused and unopened products within 14 days of receipt. Goods must be returned within 28 days from receipt. The consumer is responsible for return costs. When returning an item(s), all parts, pieces, barcode labels and tags must be in their original unopened packaging, in order to be eligible for a refund. Cosmetics are exempt from right to return if opened or sampled, due to the perishable and hygienic nature of the goods. If unsure whether you would like to keep the goods, please do not open and sample as this invalidates your right to refund. We strongly recommend that returns are sent by Recorded Delivery or some other means of tracked delivery system.
Once we receive the goods in saleable condition, a full refund for the cost and shipping of goods will be made to your credit/debit card. Customers are responsible for the cost of returning the goods to us.
Listings – Terms and Conditions
By claiming a listing you are agreeing to the following terms and conditions.
As a salon owner who has claimed a listing you have permissions to be able to edit your listing and change the details including the photos and the header image as you see fit. However, the listing remains the property of Greener Beauty Ltd. If at any point you, the salon owner, would like your listing removed from GreenerBeauty.com please contact email@example.com providing full details.
When uploading photos or editing your listing you retain the copyright and other ownership rights in any User Materials that you submit on or through the Site. However, by submitting User Materials on or through the Site, you are agreeing that the information and images submitted may be used by Greener Beauty and may be published on our websites and/or in all other mediums without further consent or notice to you. You further grant Greener Beauty Ltd, GreenerBeauty.com, and their licensees the right to contact you in connection with your User Materials and to use your name, city and city and other information that you have provided in connection with the User Materials.
You agree not to claim any listings that are not owned by you and to only post factually correct information on your listing.
Reviews can be left for salons by members of the Greener Beauty community. These reviews cannot and will not be anyway amended or changed to suit the listing.
Greener Beauty reserves the right to remove any users and/or listings when they see fit. This can include reasons such as abusive behaviour, advertising offers on the salon pages, posting incorrect information but is not restricted to these reasons.
Entries submitted for posting are selected entirely at the discretion of Greener Beauty. You acknowledge and agree that Greener Beauty shall have no obligation to post, display or otherwise make publicly available any photo, information, or other content submitted by you, and may, in its sole discretion, remove, edit, modify or delete any photo, information, or other content that you submit to the Site.
If you have a special offer that you would like to run on Greener Beauty we can work with you to target the correct audience of this offer. However, no offers can ever be posted on your listing page. You understand and agree that sending unsolicited email advertisements or posting unsolicited advertisements in the comments or through the Site's computer systems in any way is expressly prohibited by these terms. Any unauthorized use of GreenerBeauty.com computer systems is a violation of these Terms. Such violations may subject the sender and his or her agents to civil and criminal penalties.
If your salon stops having vegan friendly options, it will be removed from GreenerBeauty.com.
You agree that in no event shall Greener Beauty be liable under contract, strict liability, negligence or any other legal theory (i) with respect to the Site, the services available on the Site or any content available on the Site for any lost profits or special, indirect, incidental, punitive or consequential damages of any kind whatsoever.
These Terms & Conditions constitute the entire and exclusive understanding and agreement between Greener Beauty and you regarding the Site and these Terms and Conditions supersede and replace any and all prior oral or written understandings or agreements between Greener Beauty and you.
We reserve the right to be able to amend these terms and conditions from time to time. If we these are amended notification will be given and if you disagree with any of the revised terms or conditions, we advise you to cease using GreenerBeauty.com.


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Poor Ed Sheeran — did you know he sharted on stage once?
The pop singer recalled the time he "misjudged a fart" during a live performance in a recent edition of the Yes-Or-No Game, revealing that not only did he accidentally deuce right there in front of the crowd, but casually played it off and finished the set. And no, he didn't disclose which show this juice got loose.
Instantly going from Top of the Charts to the Top of the Sharts, here's Sheeran's explanation, via SPIN:
"I actually once misjudged a fart on stage, which ended up being a shart," he said during a Yes-or-No game, answering whether he'd ever passed gas during a concert. He continues: "It was, like, midway through a performance and I was really lively, and then halfway through I was like, 'All right I'm just going to stand for the rest of the performance, and hope it's over soon and then go home and throw these trousers out!'"
We've all been there.
Sheeran plays Gillette Stadium in Massachusetts on September 25, a place where opponents of the New England Patriots are used to shitting the bed. Let's hope he's got a good clench going on for the evening, and any farts are properly identified and pass through without incident. Watch the video below.

subset: commoncrawl


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18-Cube DIY Shoe Rack, Storage Drawer Unit, Black and White Curly Pattern
- RESISTANT PANELS: made of PP plastic with steel frames, these panels are eco-friendly, toxic-free and durable, holding up to 13 lbs. /cube; the frosted translucent design cheers up the style of the cabinet with a black and white curly pattern;
- FUNCTIONAL STORAGE SPACE: 18 rectangular cubbies to store all your shoes in a reduced space; the cubbies can be build up together or separately, offering customizable solutions to fit in different spaces
- EASY TO PUT TOGETHER: multi-angled plastic connectors are included to assemble your modular cabinet; it is recommended to use a pair of gloves to protect the hands from getting scratched or harmed while attaching the panels with the connectors
- MULTI-PURPOSE CABINET: each of the cubbies can store 2 pairs of shoes with a total capacity of 36 pairs of shoes; the modular closet can be used to store not only shoes but clothes, accessories, bedding and lining, CDs and DVDs, toys, cables.
- CONNECTORS & MAINTENANCE: the connectors are made of sturdy ABS to securely join the panels; the unit is waterproofed and dust-resistant; panels are easy to clean with a damp cloth; doors feature hole handles for easy opening as well as airflow; new direction, any question while putting it together, please feel free to contact us.
Customize it as you like it
This 18-cube organizer was first design to arrange all your shoes within the same place. However, organizational possibilities are endless, you can store not only shoes but your clothes, bags and other outfit accessories, your bedding, lining, CD's, the kids toys, etc. Each cube can hold up to 13lbs. (5.9kg) of evenly distributed weight and has the following internal dimensions:
Easiest maintenance ever
All panels are made from waterproof and dust-resistant plastic material, therefore, it is really easy to clean. When dirty, use a damp cloth and wash the panels' surface.
In order to avoid undesirable smell inside the cubes, each of them has a whole to improve airflow as well as to facilitate the opening of the cubes.
Package Includes
21 x (17.7" x 13.8") black panel
18 x (17.7" x 6.7") black panel
24 x (13.8" x 6.7") black panel
18 x (17.7" x 6.7") translucent white door panel
56 x black connectors
1 x assembly instruction sheet
- Total dimensions (3 cube W x 6 cube H): 55.5 x 14.6 x 43.7 inches
- Dimensions cubby: 19.3 x 14.6 x 8.3 inches
- Net weight: 29.8 lbs.
Packing List:
21 x (17.7" x 13.8") black panel
18 x (17.7" x 6.7") black panel
24 x (13.8" x 6.7") black panel
18 x (17.7" x 6.7") translucent white door panel
56 x black connectors
1 x assembly instruction sheet
All orders are FREE SHIPPING to American and European countries. Limited to our warehouse location, we can only ship to United States, Canada, Mexico, United Kingdom, Germany, France, Spain, Italy, Japan, Australia and other limited EU Countries. Depending on your area, please allow the full processing time required to ship from the warehouse and 3 to 7 business days in transit for delivery. Please notice that we cannot ship to P.O. Boxes or Military APOs. If you're out of our available countries, please contact support team to pay extra shipping fee.
Any questions, feel free to contact firstname.lastname@example.com or join our livechat community.
30-Day Money-Back Guarantee for Any Reason
There are a few items that can't be returned:
- Clearance items
- Gift cards
- Personalized items
- Bundled items at discounted rates, e.g. "5 for $19.99" (unless the entire bundle is returned)
- Items marked "Non-Returnable" on the sale page
- Items you have already assembled
*If you receive products with missing parts or defectiveness, please contact after-sales team via firstname.lastname@example.com to get free replacement.
Customer Reviews
Me encanta, lo puedes usar para un montón de cosas y en un montón de espacios, ya que como es apilable lo puedes poner donde mejor te venga. Resistente y con tapa, es genial.
Great product!
Poor instructions
Watched video online for assembly
This was perfect for my shoe storage. Super easy to assemble. Thank you
Good for the money. I would recommend it.


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Chris Eger
March 6, 2014
As battle lines draw on efforts by the gun control lobby to challenge Peruta v San Diego, a federal court found in favor of a similar shall lawsuit against Yolo County Wednesday.
The case at hand, Richards v. Prieto, challenged Yolo County, California Sheriff Ed Prieto's policies on granting concealed carry handgun permits. Brought by the Calguns foundation and the Second Amendment Foundation, a federal judge Wednesday found the policy unconstitutional.
"Today's ruling reinforces the Second Amendment's application to state and local governments, and will help clear the way for more California citizens to exercise their right to bear arms," said SAF founder and Executive Vice President Alan M. Gottlieb in a statement.
Take advantage of one of nature's most hardworking nutrients with Vasobeet now at 40% off!


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'Iñigo is already making waves in the local slalom scene with his EF Civic'
Anybody who has followed Philippine motorsports over the last two decades knows that Carlos Anton is a force to be reckoned with. The lowdown: He's a multi-awarded racer in various racing disciplines, ranging from slalom to touring cars. I know him as my teammate in 2004, as participants in the first-ever Marlboro Red Racing School in Italy, and I can attest to the skills and the speed that the man has.
So, when Paulo sent me on assignment to meet up with Carlos and his 12-year-old son Iñigo, I knew it was a good opportunity to check up on my old friend and see what the Antons were up to. As it turns out, we're headed to the new Tarlac Circuit Hill to document Iñigo's first attempt at setting a new lap record. Iñigo started logging in track hours in an EG Honda Civic at the age of eight. He jumped to karting when he was 10, and spent the next two years honing his skills. This effort earned him the Cadet Karter of the Year Award for 2016. He's now back to driving cars, and I'm excited to see just how much alike father and son are.
Tarlac Circuit Hill is a new 1.5km racetrack that's part of the Tarlac Recreational Park in the town of San Jose. It's primarily designed for karts and motorcycles, but it's also known for hosting time-trial events for larger automobiles. On this bright, sunny day we have the track to ourselves. It's pretty safe, but that doesn't stop Carlos from making sure his son and the team have taken all the necessary precautions for a safe drive.
I ask Carlos how the idea of Iñigo setting a new lap record at Tarlac Circuit Hill came about. As it stands, Carlos is the lap record holder for both the Batangas Racing Circuit and the Clark International Speedway. He says that after hearing about the newly constructed Tarlac racetrack, "I felt that with the current skill set of Iñigo, he could be good enough to take that record with the proper preparation and training." The current record stands at 1min 15.7sec, and is held by an unnamed driver. It was posted about a year ago during one of the track days at the venue.
After final checks and a quick prayer, Iñigo is off to prepare for his hot lap with a few warmup rounds. I set myself up inside the track to get photos up close, and from where I stand, I can see how progressively faster he's getting. And the timers don't lie, either. On his prep laps, he's already doing 1min 14sec laps, which quickly go down to mid- and low 13's. After signaling to his Dad that he's going to gun it, Iñigo sets the new Tarlac Circuit Hill lap record on his sixth lap. Data from the MyChron4 Race GPS puts his record-breaking effort at 1min 12.33sec, a good 3sec off the standing record.
The Antons call it a day, and it's clear that there's pride and satisfaction in the faces of both father and son. Iñigo now has a friendly invite to any driver out there who's willing and able, to try and do a better lap time at Tarlac Circuit Hill. Two years ago, we featured Iñigo when he was still running the Touge Battle and Flat Out Race Series with his B18-equipped EG Honda Civic. For this lap-record attempt, he's driving a different steed. Mark Young Racing has prepared a Mohspeed-tuned, B20-equipped EF Honda Civic cranking out 197hp, with a Type R transmission and LSD, riding on BC coilovers and Advan tires. It's not the prettiest race car out there, but in the hands of Iñigo, the ugly little VTEC duckling magically turned into a speed swan of fury. It's quite evident that the two years he spent racing in karts has helped him mature as a racer and truly elevated his skills.
But what's great is that I never get the feeling that any of this has gone into his head. Talking to him, you'll quickly realize he's just like any other 12-year-old—heavily into gadgets, looking up stand-up comedy videos on YouTube, and playing with his game console. It needs to be said, though, that his game console is a race simulator complete with Logitech goodies and running Gran Turismo and Project Cars. Wait until he turns 18, GT Academy, because Iñigo has his eyes set on Formula 1, and major-league circuit racing is definitely on the roadmap.
As for the lessons he has learned along the way, he mentions that karting has taught him to "never give up till the last lap, but also accept defeat." Dad Carlos has taught him, too, that "it's okay to lose, and never forget to pray before, during and after a race." The kid knows his blessings and has his head on straight. He is able to stay grounded despite being faster than guys twice his age. He knows that there are both good days and bad days in racing, but at the end of any of those, he's just thankful and happy for what he has and for the amazing support he gets from his family.
As of this writing, Iñigo is already making waves in the local slalom scene with his EF Civic, having won three out of the four rounds of the current Phoenix Petroleum National Slalom Series. He's grown so comfortable with the speed, the skills, and his own machine that he's actually poised to outperform his Dad in the near future. This was evident in the third round of the series, when he was just a second off Carlos's own time. All he needs to do now is to stay his course, become better with age, and never forget the lessons he's learning along the way. Racing aficionados can show support and enjoy the show, because with kids like Iñigo at the wheel, we can rest assured that the future of Philippine motorsports is in good hands.
Note: The story first appeared in Top Gear PH's July 2017 issue.


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January Meetup - Data and Activism
Tools to Speak to Power, Tools to Shield Speech From Power
Here is a link to Connor's presentation.
Tools to Speak to Power
After the first part of the presentation, we split into small groups to discuss ways to influence those who speak for us (elected and apointed representatives, churches, businesses, etc.).
Our notes from that discussion are up on this shared Google doc: http://tinyurl.com/speaktopower
Tools to Shield from Power
After going over what encryption is and why it's useful, the whole room took turns sharing information about a wide variety of options, from the pros and cons and different ways of doing two-factor authentication, to how easy Signal is to use.
This shared Google doc started in the Chicago brigade and is full of things a person can do to shield their speach, broken down into the easier/quicker fixes and the more complicated and time-consuming (but more secure) fixes: http://tinyurl.com/shieldspeech
Next month
We're still working on finalizing a time and a place to work on the Fish Fry map, but it is going to be an excellent event, with a pierogie potluck! Non-coders are welcome!


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Website Design & Development
A website is an important tool in marketing your business on the internet. Consumers have now changed from looking up telephone numbers in a book, to browsing online. By having a website designed for yourself or company you can showcase a broad range of information that will enable visitors and potential clients to learn more.
Special attention is given to you from the time you enquire and continues long after your website is running. By focusing only on website design and related services you can be assured that your project will be handled correctly. When designing your website, priority will be given on applying your brand and enhancing the layout so that visitors can easily find what they want.
Web design is offered to all areas of Zululand, KwaZulu-Natal such as Empangeni, Richards Bay, Mtunzini, Eshowe, St Lucia and Kwambonambi.


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What we are doing to keep every employee and customer safe in our stores:
We will do everything we can to make your shopping experience a safe and healthy one.
Speak to our Tire / Wheel Expert at (844) 266-9884, Monday thru Friday 8:00am to 5:00pm, Saturday 8:00am to 1:30pm, Sundays closed.
The tire you have selected is a winter tire. Are you sure you wish to proceed?
We've added this item to your checkout to show you our sale price. Manufacturers
occasionally suggest that products be advertised at their suggested retail price.
When we decide to sell items for less than the suggested price, the sale price can
only be shown at checkout.
Please choose "Proceed to Checkout" to see the total price installed or "Keep Shopping"
to remove the tires from your checkout.
The Commercial T/A All Season 2 has been designed for improved durability with CoolWedge shoulder inserts that enhance cooling and prolongs tire life. A tire like this is built to get the job done.
Features and Benefits:
Qualifying tire purchases made on the Goodyear Credit Card during special promotional periods at slect locations are eligible for double the amount of the mail-in rebate. Offer cannot be combined with other discounts.


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- Jewelry Information (31)
» Jewelry Information » The ultimate blue gem – Tantalising tanzanite
Unknown to the world only a generation ago, tanzanite has firmly established itself in the firmament of precious gemstones thanks to its alluring rich blue and deep lilac hues. Shortly after it's discovery in Tanzania, it was ushered into the limelight by Tiffany & Co, known for its interest in unusual new gems. Tiffany had previously brought commercial success to kunzite in 1902, named for the Tiffany gemologist Georg Kunz and in 1910 morganite, that was named in honour of its famous client John Pierpoint Morgan. In 1974 Tiffany also introduced us to the bright green of tsavorite gems .
The history of tanzanite
A newcomer to the world of precious stones, tanzanites were not discovered in commercial quantities until half a century ago, near the foothills of Mount Kilimanjaro in the remote region of Merelani in Northern Tanzania. Compare that to diamonds, the earliest of which were believed to have been found in India in the 4th century BC, and emeralds, which date back to the ancient Egyptians, and this baby of the gem world has achieved star status in a very short space of time.
Mined in a single location, tanzanites are often referred to as the "gemstone of a generation" because this generation are likely to be the only ones able to buy from the "first flush", or primary deposit, of gemstones unearthed in Tanzania. It is believed that the mines will be depleted in around 25 years, which means it is becoming increasingly difficult to find large tanzanites in the most coveted deep-blue colour.
Tanzanite and Tiffany jewelry
Tanzanite had its first taste of fame when Tiffany jewelry began using it in its designs just a year after its discovery – the first jeweller in the world to do so. A gem-quality variety of the mineral zoisite, Tiffany thought the name wasn't catchy enough and renamed it tanzanite after its country of origin. In one ad dating from the 1970s, below, a selection of tanzanite rings is pictured backdropped by a photo of zebras grazing, accompanied by a powerful message: "The loveliest blue gemstone discovered in over 2,000 years, tanzanite can now be found in significant quantities in only two places in the world. In Tanzania. And Tiffany's."
The tanzanite colour scale
Ranging from deep velvety blue to light purple, tanzanites, like all gemstones, are not uniform in colour. Zurich-based gemmologist and jewellery designer Doris Hangartner loves working with all the hues. "With its violet or purple component, it has an uplifting quality," she points out. "The most prized tanzanites are vibrant, rich, deep blue with hints of purple. They shouldn't be too dark but have a sumptuous blue hue."
The paler purple varieties come from a more recent find in Tanzania and are described by Hangartner as having "an intriguing delicate colour". Whilst the most prized are the deep blues, she says that "colour is a personal preference. The vibrancy of a tanzanite fascinates me more than, say, the calmness of a sapphire. It is an incredibly alluring gem."
Is all tanzanite heat treated?
The vast majority of tanzanite – approximately 80% – comes out of the ground brownish in colour and is heated to burn away the muddy tones, leaving only blue, violet and pink hues. Described as "gently heated" rather than "heat treated", tanzanites are exposed to temperatures of around 500-800oC for an hour at most to reveal their blue colour, while heat-treated gems like rubies often come close to melting point to achieve a more vivid hue.
Some rare tanzanites come out of the ground blue or violet, which can usually be attributed to natural heating when the gems are still buried in the Earth. Very occasionally, a tanzanite will display no indication of heating whatsoever, making them the rarest of all tanzanites. It is through an involuntary heat-treatment that the Masai of Tanzania first discovered tanzanites. After a bushfire, the Masai were amazed to see that what were previously brown stones had turned a beautiful, vibrant blue.
New York jewellery designer Temple St Clair uses untreated tanzanites in her collections and is drawn to the richness of their colours in their natural state. "Recently, I have fallen in love with pure, unheated tanzanite," she says. "The pinks, yellows and greens bring a gorgeous, almost mysterious, glow to my pieces, particularly since they are set in yellow gold."
The largest tanzanite in the world
The biggest tanzanite ever discovered was a 16,839-carat rough. Weighing more than 3.2kg, it was mined in 2005 by TanzaniteOne and named Mawenzi after Mount Kilamanjaro's second highest peak. However, London-based designer Kat Florence believes she has worked with one of the most beautiful tanzanites in the world: "At the time, the 563-carat Namunyak tanzanite was the largest flawless Royal Velvet Blue ever discovered. I recut the stone to 423.56 carats, set it into a necklace and sold it at auction, donating the proceeds to build a school in Nepal."
Intriguingly, tanzanite is a trichroic gemstone, which means that it displays three different colours when viewed from different angles. Florence describes how "the Namunyak Tanzanite was royal velvet blue when viewed from the top, deep purple from the side and pink red from the other side". In a photo shoot worthy of its regal status, below, Sarah Jessica Parker was shot by acclaimed photographer Peter Lindbergh wearing the gem – the largest tanzanite ever sold at auction – before it went under the hammer in Hong Kong, where it achieved just over $300,000.
How to tell a top-quality tanzanite
Said to be 1,000 times rarer than diamonds due to it only being mined in one location, how can you tell a great tanzanite from an inferior gem? Kat Florence says that a tanzanite has to be eye clean, with a deep, rich colour saturation, to classify as top quality, and Doris Hangartner agrees, adding that "the best have beautiful hints of violet/purple".
"Fine tanzanite has the deepest, richest combination of blue, violet and sometimes even burgundy shades," echoes Temple St Clair. "Depending on how the stone is oriented during the cutting of the different facets, different variations of these colours will show. The very finest tanzanites, the pure blue variety, have a rich, bright electric-blue colour."
Hangartner also points out that, since tanzanite is not as expensive as other coveted blue gemstones, for example Kashmir sapphires, the cost of an excellent cut is reasonable. "Look for very well cut gems with good proportions and depth," she recommends.


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Some believe in what they call "serendipity", "fate" and "destiny"; but maybe those are just names we use to describe the term: "the perfect timing". What do you think?
One day our lives become the very epitome of: MESSY. And then all of a sudden all the planets seem to align for us, when everything beautifully, peacefully, seamlessly and perfectly fall into place. Call it whatever you like, for me, it's "meant to be".
For many of those who may be curious, no I have not stopped creating. I took a quick break when there came a point in my life when I felt lost, as if my artworks have lost their life and meaning. My eyes see began seeing the world in black and white. Every single activity, even drawing began to feel like an obligation rather than an outlet to BREATHE. It took me almost a year of DRIFTING.
Drifting isn't one of the best ways to describe your life at a college reunion. It's a state of being lost, unaware of which direction to go next and the inability to wake up in the morning to DO something. It will take a while, but in these moments of solitude and self reflection, you find yourself. So believe me when I say: Drift on.
In what would seem to be "destiny", you will find what you love; or in my case, it found me.
At any point in your life, don't ever think to yourself that you have failed completely. Just keep this in mind: To do your best in every task, both great or small. The rest shall follow.
Believe me, one day when you least expect it, everything shall fall into place. Don't be in a hurry, let it find you.
To the person who has been there for me when I drifted:
I know it took quite a while before I had the strength to believe in the beauty of tomorrows. My eyes have long been closed to seeing possibilities, my hands tired of endless toiling and my heart closed to feelings. Those months were difficult for me, and I'm sure they were far more difficult for you to wake up each day with this lifeless, empty shell of a person.
I appreciate your every effort, to try to bring the life back into me. To show me all the reasons to keep trying, all the reasons to be happy. You have shown me that there is more to life than what is expected of us, that we can surpass even our own expectaions of ourselves.
Thank you for your unwavering love and pateince during those dark days. Of all the things that fell into place, you were one of them and I'm so blessed to have you by my side. I'm glad you were my "Meant to Be."


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Five Tips For Meeting A Medical Job Recruiter
Published: 20 May 2016
Meeting a recruiter can be a little strange for job searchers. On one hand, the meeting shouldn't be as pressure-filled as an interview, as it is a little less formal plus the recruiter should be looking to determine the qualities that you have that will make you more attractive to employers. On the other hand, you still have to present yourself well so that the recruiter has something to work with in the first place. Will of that in mind, her are a couple of tips that will help you to tackle your meeting with a medical job recruitment specialist.
Dress To Impress
Just because the interview is a little less formal than the ones you may have for jobs, that doesn't mean that you should approach it in an unprofessional manner. Try to dress to impress, turning up in a suit and tie or suitably professional clothing to show the recruiter that you're taking the meeting seriously. This, in turn, will make them more likely to work harder in finding you a job that suits your skills.
Be Honest
You have license to be completely honest in a recruitment interview, rather than feeling that you have to talk around your negative points or gaps in your knowledge. Tell the recruiter exactly what you are capable of, but also make it clear that you are willing to work towards making improvements. This will allow them to find positions that suit your abilities, while also offering chances for progression and further improvement.
Ask Questions
Much like with a job interview, you should ask some questions of the recruiter to find out how they may be able to help you. For example, you could ask about the areas that the company specializes in and the sorts of companies they work with. Remember that recruiters have a vested interest in finding you a job, so take advantage of this by asking questions to ensure their services are up to the standards that you need to them to be.
Be Early
Again, you should be aiming to look as professional as possible in order to make a good impression, as this will then be passed on to the companies that the recruiter speaks to. Turn up early to the interview, giving yourself time to get settled and prepare yourself. Turning up late reflects poorly on you, as this tells the recruiter that you may have a tendency towards tardiness that the companies they recruit for would not be happy with.
Be Prepared
You should have a clear idea about your career goals before you ever set foot in a recruitment meeting, as this will allow the interview to flow much more smoothly and ensure the recruiter has all of the information needed to find positions that are a good fit for you. You should also be prepared to expand upon your CV, when needed. Again, you can use this session almost as preparation for a job interview, so ask the recruiter if there is anything that they feel could be improved upon should they get you an interview as well.


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A&W responds to Premier Brad Wall's Twitter beef
Saskatchewan premier irked by hamburger chain's latest ad
A bun fight is underway between Saskatchewan Premier Brad Wall and the A&W hamburger chain.
A&W Canada advertises that there's no added hormones or steroids in its beef, which it gets from Canada but also from foreign countries, including the U.S., New Zealand and Australia.
That fact has rankled some Canadian ranchers.
And a new TV commercial promoting the chain's "Better Beef for a Better Burger" campaign apparently attracted the attention of Wall on the weekend.
"There is another ad from @AWCanada promoting non-Canadian beef," Wall said on his Twitter account. "Guess we can support Cdn beef restaurants like @McDonalds."
There is another ad from @AWCanada promoting non-Canadian beef. Guess we can support Cdn beef restaurants like @McDonalds—@PremierBradWall
The tweet drew a response from Susan Senecal, the president of A&W Food Services of Canada.
"It's interesting to see," she told CBC News. "Saskatchewan was one of the very first provinces where we were able to source our beef."
The chain known for its family of burgers buys "millions of pounds" of beef from Saskatchewan annually, she said.
"A lot of our ranchers are in Saskatchewan," Senecal said, adding in the past year "thousands of head of cattle" from Saskatchewan have been added to A&W's supply chain.
While it's not at 100 per cent, the percentage of Canadian beef A&W uses continues to grow, she said.
Senecal didn't say what percentage of Canadian beef is in its hamburgers, however.


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As an intern at Studio Plumeau you will become a full member of our team. Depending on the projects we have and your own goals, you will work closely with us on the different aspects of an animated film such as character design, storyboarding, visual development and of course animation.
If you want to apply for an internship at Studio Plumeau please send us a link to your reel and portfolio showcasing your best work.
Because we are an animation studio focused on 2D animation we will mainly look at your drawing skills and sense for movement.
We tend to prefer students that have experience with TVPaint and Adobe CC.
(All intern positions have been filled until March 2020)


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Pitch Magazine have released their annual New Talent/Superwomen creative Cannes special issue.
RSA MD Kai Hsiung features in this year's Superwomen issue, alongside Superwomen alumni Melody Sylvester, who credits her superpower as being a nurturer, with a great eye for ideas, talent, and trainers.
The annual issue has become an industry staple celebrating women in the creative industries.
Also featured in the Pitch's powerful creative issue, is Darling Film's Kelly Doyle & Kat Downs, and recently signed RSA Director Alexander Farrell who discusses his ground-breaking upcoming project Refugee.
You can find out more about Pitch's Superwomen here.


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This is the product page for: Gold Pearl Hoop Earring
Image carousel, press Enter to cycle through the images, press the Z key to zoom in and out of an image. Once zoomed in, use WASD keys to pan around image.
Gold finish scallop hoop earring with pearl effect beads.
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Graceful Spring
Graceful Spring Oil on Canvas
In Graceful Spring Mural, artist Anthony Nunez presents readers with a green mountain meadow overlooking a lake in springtime. In the background one notes three craggy peaks providing the focal point of the piece. In the foreground the artists presents a grassy lush meadow. The deep green grasses occupy the majority of the piece, providing perspective and framing the composition. Note the profound green tones present here. Many of this artist's works show a clear connection to the Old Growth forests of the Pacific Northwest. Graceful Spring Mural is no exception. Invariably the artist has drawn inspiration from the deep green subalpine meadows of Oregon and Washington's Cascade mountains. In the middle ground the artist depicts a graceful natural mountain lake. Note the manner in which the peaks are imprecisely reflected in the lake's cool waters. This element of surrealism is often found in the artists' work; it adds to the mystery and allure of the scene. Finally, the mountains in the background provide a focal point upon which the rest of the painting is focused. These three majestic mountains represent the climax of the work; the lake and the meadow serve to frame and situate the peaks.
The Alla Prima Technique
As with many of the author's other works, this painting demonstrates a mastery of the alla prima or wet-on-wet painting technique. In this technique, the artist applies successive layers of wet oil quickly. This means that no layer of oil is able to dry before the next one is applied. Many famous impressionist and post-impressionist painters such as Vincent van Gogh and Claude Monet utilized this style. Despite its technical difficulties, it allows the artist to produce a virtually unlimited number of color combinations and shades. In this painting, one sees a clear mastery of this technique. Note the deep greens of the meadow, the cool blues of the lake, the commanding darks of the mountains, and the airy whites of the sky. This rich and delicate color scheme is an impressive showcase of the alla prima oil painting technique. The artist's complex understanding of color, coupled with his mastery of alla prima makes Graceful Spring Mural a perfect addition to any home or office.
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Please use this identifier to cite or link to this item:
|CFD modelling of abdominal aortic aneurysm on hemodynamic loads using a realistic geometry with CT
|Ng, E. Y. K.
Loong, T. H.
Soudah, Eduardo
Bordone, Maurizio
Pua, Uei
Narayanan, Sriram
|DRNTU::Science::Medicine::Computer applications
|Issue Date:
|Soudah, E., Ng, E. Y. K., Loong, T. H., Bordone, M., Pua, U., & Narayanan, S. (2013). CFD Modelling of Abdominal Aortic Aneurysm on Hemodynamic Loads Using a Realistic Geometry with CT. Computational and Mathematical Methods in Medicine, 2013, 1-9.
|Series/Report no.:
|Computational and mathematical methods in medicine
|The objective of this study is to find a correlation between the abdominal aortic aneurysm (AAA) geometric parameters, wall stress shear (WSS), abdominal flow patterns, intraluminal thrombus (ILT), and AAA arterial wall rupture using computational fluid dynamics (CFD). Real AAA 3D models were created by three-dimensional (3D) reconstruction of in vivo acquired computed tomography (CT) images from 5 patients. Based on 3D AAA models, high quality volume meshes were created using an optimal tetrahedral aspect ratio for the whole domain. In order to quantify the WSS and the recirculation inside the AAA, a 3D CFD using finite elements analysis was used. The CFD computation was performed assuming that the arterial wall is rigid and the blood is considered a homogeneous Newtonian fluid with a density of 1050 kg/m3 and a kinematic viscosity of 4×10^(-3) Pa·s. Parallelization procedures were used in order to increase the performance of the CFD calculations. A relation between AAA geometric parameters (asymmetry index (β), saccular index (γ), deformation diameter ratio (χ), and tortuosity index (ε)) and hemodynamic loads was observed, and it could be used as a potential predictor of AAA arterial wall rupture and potential ILT formation.
|© 2013 The Authors. This paper was published in Computational and Mathematical Methods in Medicine and is made available as an electronic reprint (preprint) with permission of the authors. The paper can be found at the following official DOI: [http://dx.doi.org/10.1155/2013/472564]. One print or electronic copy may be made for personal use only. Systematic or multiple reproduction, distribution to multiple locations via electronic or other means, duplication of any material in this paper for a fee or for commercial purposes, or modification of the content of the paper is prohibited and is subject to penalties under law.
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|MAE Journal Articles
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|CFD modelling of abdominal aortic aneurysm on hemodynamic loads using a realistic geometry with CT.pdf
|Adobe PDF
Items in DR-NTU are protected by copyright, with all rights reserved, unless otherwise indicated.


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Download Fact Sheet Talk to a product expert Send to friend
The 4 ¾" X-Series AST has a stroke capacity of 10" or 0.25m and can be configured for all regular drilling operations including work with motors and under-reamers. For extended laterals, the tool can also be configured to better capture and preserve the weight coming through and produce a more constant push on the bit. For vertical drilling, the 4 ¾" X-Series AST not only prevents harmful stick-slip and drilling vibrations, but it also provides a safer way of operating sensitive, tapered drill-strings.
The inner diameter is 1 ½", which presents no restrictions to relevant drop-balls. The pressure loss through the tool is 150 psi at 350 GPM or 10 bar at 1300 lpm. The tool can also be configured for high temperatures.
|5.49 m
|18.01 ft
|Max. OD
|121 mm
|Min. ID
|35 mm
|Connection top
|NC 38 box
|NC 38 box
|Connection bottom
|NC 38 pin
|NC 38 pin
Download Fact Sheet Talk to a product expert Send to friend


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Maria Borja Teixiera
Steps for submitting an obituary
Maria Borja Teixiera, also know as "Tita," of Yona, died May 31 at the age of 69.
Memorial services will be held from 9 to 11 a.m. June 11 at the Seventh Day Adventist Church in Agana Heights. Burial will follow at the Rest Haven Cemetery in Ipan, Talofofo.
Read or Share this story: https://www.guampdn.com/story/obituaries/2018/06/06/maria-borja-teixiera/675961002/


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This was published 9 years ago
We failed them - territory to overhaul child welfare
Protection agencies are struggling to come to terms with the endemic mistreatment of children, writes Russell Skelton.
KON VATSKALIS, the Northern Territory's Minister for Children and Families, admits he will have to tear down the system for protecting Aboriginal children from abuse and neglect and start again.
"The department has been demoralised … we are now going to rebuild from scratch and we have to leave the old ideologies [of child protection] at the door," he said.
His was a startling admission of failure. In the three years since the biggest federal intervention in 50 years of government in the territory, agencies are struggling to come to terms with endemic mistreatment of children.
Widespread sexual and physical abuse of indigenous children was identified three years ago by the Howard government. This week, in the wake of another government report, it was labelled a typhoon of official neglect.
Vatskalis and the territory's Chief Minister, Paul Henderson, offer few excuses. They admit to being overwhelmed by the scale of abuse and neglect and shocked by the findings of bureaucratic bungling. They promise action.
Incidents revealed by prosecutors and coroners have included hideous accounts of rape, murder, stabbing and drowning. Many have occurred in remote places awash with alcohol, drugs and illicit gambling.
The Alice Springs prosecutor Dr Nanette Rogers has detailed horrific cases of child cruelty involving the rape, murder and bashing of children and babies, and exposed a brutal unreported culture created by petrol sniffing.
Figures published in this week's landmark inquiry into the territory's child protection system underscore systemic failure to protect children. At the end of June, 870 children were identified as being at risk but their cases had not been investigated. It is unclear how many remain in danger.
Despite an increase in the territory's protection budget and the hiring of record numbers of caseworkers - in 2001 the budget was $7 million, this year over $130 million - the crisis is deepening.
In the three years since the intervention, notifications of child abuse - physical, emotional and sexual - have doubled to more than 6000 cases a year. The number of investigations has increased from 2000 to 4000. Yet successful prosecutions have been few.
The number of children removed from families has increased from 400 to almost 600, stretching the foster care system.
The inquiry found the government had failed to monitor children in care or provide foster parents with appropriate support.
Despite the bland title, the Growing Them Strong, Together report documents astonishing failures in the child protection system. The board of inquiry - made up of Professor Muriel Bamblett, the territory's children's commissioner, Dr Howard Bath and the paediatrician Dr Rob Roseby - condemns the system as overwhelmed and understaffed. Failures were compounded by high staff turnover and poor morale. Staff quit because the system could not meet its statutory obligations. There was also a culture of bullying and secrecy.
The inquiry sums up the situation this way: "The public would naturally expect that when they believe a child is being harmed … the matter will be investigated speedily and effectively. This has not been the case for some time in many service delivery areas. At the end of June there were 870 children who had been reported to be at risk who were awaiting formal investigation."
Three ministers in as many years had clearly not helped.
The response of the Henderson government to the findings has been immediate and unqualified. Vatskalis and Henderson announced sweeping reforms including the creation of a dedicated department and the hiring this financial year of more than 100 new caseworkers. They have approved 145 of the inquiry's recommended reforms.
But that is not likely to improve the situation any time soon. Vatskalis said the situation for children in the territory might become worse before the reforms take hold.
"We will have more people on the ground and there will be more notifications as a result. Rates of notifications will plateau before they start coming down. The problem had been neglected for years and as soon as we started injecting money with more workers, rates went through the roof."


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Benefits of Pilates for skiing and snowboarding fitness
As the ski season draws near here in the Southern hemisphere, it is important to prepare your body and get 'ski fit'. I have personally spent the past three northern winters in Japan as a treating Physiotherapist and saw an incredible amount of injuries. With any sport, prevention is your best treatment and can lessen the likelihood of those horrible days watching everyone hit the slopes when the snow finally falls whilst you are stuck rehabilitating your injury.
Balance training has been shown to have positive effects on prevention of lower limb injuries in sports involving twisting*; as seen in a systemic review done in 2010 (Neuromuscular Training for Sports Injury Prevention: A Systematic Review).
This is why we have developed "Snow Fit Classes" at Higher Function. Our Snow Fit Classes are run for 10 weeks leading up to the Australian ski season to ensure your body is ready to perform on the mountain. The classes combine Pilates, plyometric, core, balance, and strength training to increase your endurance, strength, versatility, speed, and agility when boarding or skiing. Classes are aimed at not only increasing performance but also preventing the too common knee, back, shoulder, and wrist injuries seen in snow sports resulting from falling, twisting or catching your edge.
If you're looking to strengthen your specific "snow" muscles, prevent injury and to get ready for this snow season, come in and see us at Higher Function. A full assessment by myself or our other highly experienced Physiotherapists will give you great insight into what you need to do to have better control while making your way around the mountain. Our specialised snow classes will be run twice weekly yet, we can also always assist you in other methods of snow preparation.
See you on the slopes!
Alyce Shearing
Ski obsessed Physiotherapist – Higher Function


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This is the perfect tee! It is so easy and effortless and its tri-blend material makes it very soft and comfy. Could easily become your favorite piece of clothing in your closet!
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Card Text Edit
"While an enemy squadron is at distance 1, its speed is reduced by 2 to a minimum of 1."
Grit. (You are not prevented from moving while you are engaged by only 1 squadron.)
Rogue. (You can move and attack during the Squadron Phase.)
Defense Tokens Edit
Attributes Edit
- Rebel Squadron Card
- • Unique
- 22 point cost
- Lancer-class Pursuit Craft
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The effect of this Keyword is permanent.
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Ketsu Onyo was a human female who worked as a bounty hunter in the employ of Black Sun in the years prior to the Battle of Yavin. She was a friend of Sabine Wren and appeared during the second season of the animated television series Star Wars Rebels.
Community content is available under CC-BY-SA unless otherwise noted.


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The Joy Factor | With Kenda Bell
Cultivating Joy Through Any Life Experience
Most do not know the difference between happiness and joy. The difference between these two concepts can make all the difference in the world with how you actualize BOTH in your life! Many believe they just are not happy... they believe that JOY comes from being happy. Coach Kenda Bell is here to rewire that thought process and support you in cultivating intense JOY at any moment in your life!
Self-Awareness is the Key! This course has been created to give you a look at your own mind, the powerful center of your own creative process. You will become acutely self-aware in order to realize JOY more often and even AT WILL!
Sometimes there are beautiful things around us, and we cannot pick these things out of the environment to enjoy what IS! Often we are used to picking out what does not serve our happiness and this is a huge JOY killer! But how do we focus upon what serves us? How do we shift our focus from what is not going well to what is? How do we stay motivated to live a joyful life when there are so many challenges in each direction?
Coach Kenda Bell will take you through a weeks long journey to find the answers to the above questions and support you in finding and implementing a JOYFUL disposition in your life! The Joy Factor: Cultivating Joy Through The Process is a training you MUST HAVE to create a life of fun and enjoyment!
What would you do if you had more JOY running through your veins, pulsing within like a living thing!!??
One HUGE block to joy is what Coach Kenda calls A.N.T.S - Automatic Negative Thoughts! This is something all humans contend with on a daily basis, but our current educational systems do not teach us to override, deal with or overcome! You will discover the EASY way of circumventing these ANTS when you take this course with Coach Kenda!
In fact, take a peek at all the benefits of doing this four week long training:
10 Benefits of #TheJoyFactor
- Become more self-aware of yourself.
- Become more powerful in your surroundings.
- Find out where you misplaced your joy! It's never lost.
- Create new stories to navigate day to day challenges
- Learn to use gratitude/thankfulness daily
- Personalize affirmations to ignite your inner joy
- Connect healing of all kinds with a more balanced spiritual diet
- Identify A(utomatic) N(egative) T(houghts) & exterminate them effectively
- Gain & maintain confidence with joy & laughter as you "grow" through the process of transformation.
Do Not Miss Out On this course! Doors are now open for enrollment.
Once you enroll you will be taken to the library for this course where you will find a welcome letter from Coach Kenda! There will be everything you need to do to prepare for this journey! This course will only be offered LIVE May 8, 2018 | The course meets one time per week for one hour. Register Below
Your Instructor
Kenda Bell is a spiritual nutritionist and author among a long list of other things Her writings have appeared in Baltimore Magazine, www.MahoganyButterfly.com and numerous online media outlets. Her love for expression expanded in the area of radio with her show "The Current" (www.blogtalkradio.com/kenda-bell) which drew listeners from all walks of life. Still craving more interaction, Kenda began facilitating interactive meet ups called "Grown Folks Conversations" at local venues in Baltimore Maryland that fostered healthy dialogue between the genders on a variety of subjects. In 2013, Kenda accepted the role of Producer with WPB Networks for their marque show Women Talk & was a cast mate and creative contributor for the television version Women Talk Live which aired on Direct TV via Launch TV.In between all this, Kenda has added runway/print model, workshop facilitator & actress to her resume. Her first love will always be writing but her true love is speaking and interacting with people through her workshops and coaching sessions as a spiritual nutritionist ; having been certified in several tools through JLA Jujumama LLC & Renaissance Life Therapies Association.
Now all this sounds great right… what is exceptional is that Kenda has stuttered since age 5. PAUSE … YES … A STUTTERER. Kenda has been able to leap over a seeming disability and empowered herself to speak healing. NOW her mission is to share the lessons she has learned to others. To Kenda, finding her voice was a journey toward finding herself…each day she still re-awakes…she begins again anew yet again.
Being forever the student of the world, Kenda Bell rejects the tags of expert and advisor, always sharing, "Everyone is both student & teacher everyday of their lives; to everyone they meet!" Knowing that no one can be an expert on "you" she prefers to be viewed as a spiritual nutritionist who helps encourage each individual's own self-awareness. As a spiritual nutritionist, Kenda is touching many lives through personal coaching as well as group sessions.Of all the hats she wears, she takes the most pride in being mom of her awesome son Keegan.
Please visit her website www.kendabell.com & make sure to sign up for her newsletter. Contact her directly via [email protected] . Make sure to follow her https://www.facebook.com/Kenda-Bell-Author-Spiritual-Nutritionist . On Instagram or Twitter , search Kenda Bell.
Course Curriculum
StartClass 1 Slides
StartClass One - The Joy Fcator (49:44)
StartThe Remix - Class One - The Joy Factor (64:32)
StartThe Remix - Class Two - The Joy Factor (55:00)
StartClass Three - The Joy Factor (84:41)
StartThe Joy Factor - Meditation (80:53)
StartClass Four - The Joy Factor (79:18)
StartClass Five - The Joy Factor (52:09)


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american comfort food with a mediterranean twist
4100 N. Kedzie, Chicago, IL 60618
(773) 279-9141
Monday-Friday 4pm to 2am
Saturday 11am to 3am
Sunday 11am to 2am
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Chicken Wings: $7
Eight jumbo wings deep fried crisp with your choice of buffalo, barbeque, or teriyaki sauce. Served with celery, carrots, and either bleu cheese or ranch dressing.
Quesadillas: $6
Your choice of cheese, chicken, or mushroom served with our salsa, sour cream, and guacamole. This will satisfy any tex-mex craving. Add $2 for skirt steak.
Fried Calamari: $8
Lightly floured, fried and served with a side of marinara.
Chicken Tenders: $7
Our succulent tenders can be done grilled or battered and deep fried. We'll do them up in buffalo, barbeque or teriyaki sauce for you and serve them with either a blue cheese or ranch dressing.
Chips and Salsa: $5
All made in house delicious.
Basket of Fries: $4
Our fries are hand-cut and seasoned with our house seasoning and served with bleu cheese dressing or a spicy cheese sauce. Add $1 for tots.
Ozzie Guillen Nachos: $8
Freshly fried nacho chips, covered with a spicy cheese sauce, ground beef, diced tomato, onions, black olives and jalapeno slices. For an additional twist, substitute the beef with our chili.
Cheese Sticks: $6
Home-made, deep fried mozzarella sticks served with marinara sauce.
Brisku's Mac and Cheese: $6
Classic American
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Soups and Salads
Available Dressings:
Ranch, Bleu Cheese, Caesar, French Dressing, Thousand Island, and House Vinaigrette
Chili: $5
A meaty bean delight topped with cheddar cheese, diced onion, and sour cream.
Soup of the Day: $4
Mediterranean Salad: $7
Romaine lettuce, tomato, cucumber, kalamata olives, and feta cheese tossed in our balsamic extra virgin olive oil dressing.
Classic Caesar Salad: $6
Crispy romaine lettuce tossed with Caesar dressing, bacon bits, parmesan cheese, croutons, and anchovies. Add $2 for chicken breast.
Side Salad: $4
A nice mix of tossed crispy romaine, bell pepper, tomato, onion, and cucumber served with your choice of dressing.
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Each sandwich is served with our hand-cut skin-on fries or substitute with tots for $1 extra. Add bacon, roasted peppers or caramelized onion to any sandwich for an additional $1.
White Sox Burger: $8
An 8oz hand-packed patty topped off with bleu cheese, bacon, caramelized onion, lettuce, tomato, pickle and served on multi-grain toast.
Classic Brisku Burger: $7
An 8oz hand-packed patty served with lettuce, tomato and onion on a toasted Kaiser roll. Add cheese for $.50 cents. Cheese choices are American, Swiss, Mozzarella, Cheddar, Bleu Cheese, or Feta.
Baby Brisku Burger: $5
A quarter pound version of the classic burger served on a regular hamburger bun.
Grilled Chicken: $8
Boneless, skinless chicken breast served plain, buffalo, or barbeque topped with lettuce, tomato, and sauteed onion. Add bacon and mozzarella cheese for $1.
Portobello Mushroom: $8
Roasted then grilled, topped off with sauteed spinach, mozzarella cheese, roasted peppers, and a sun-dried tomato aioli.
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Served with fries or fluffy mashed potato and seasonal vegetables.
Bistro Shrimp: $14
Six jumbo shrimp sauteed in a white wine and horseradish cream sauce.
Crab Cakes: $12
Pan-seared in butter and topped off with a sun-dried tomato-aioli.
Skirt Steak: $15
Char-grilled medium rare 8oz steak served sliced with feta cheese, kalamata olives, arugula lettuce, and fresh pear and drizzled with a home-made balsamic vinegar reduction and extra virgin olive oil.
Beer Battered Fish: $12
Catfish battered with our cask-conditioned real ale deep fried and served with our homemade tartar sauce.
Bacon Wrapped Scallops: $15
Served on a bed of sweet corn and topped with truffle oil popped popcorn.
Qebapa: $19
Ground beef and lamb meatballs seasoned with a Balkan flavor that will make all Albanians proud. Served over a bed of raw onion, a side of feta cheese, kalamata olives, and fries.
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10" for $7
16" for $12
18" for $15
cheese, tomato, and basil
10" for $8
16" for $14
18" for $17
Barbeque Chicken
barbeque sauce and chicken
10" for $8
16" for $14
18" for $17
Garlic Bread Pizza
garlic infused olive oil, parmesan cheese, oregano
10" for $5
16" for $10
18" for $14
ham and pineapple
10" for $8
16" for $14
18" for $17
Brisku's Special
qubab, onion, feta cheese
10" for $10
16" for $16
18" for $18
Additional Toppings
10" for $.50
16" for $2
18" for $3
Available Toppings:
Italian Sausage, Pepperoni, Chicken, Ham, Ground Beef, Bacon, Green or Black Olives, Bell Peppers, White or Red Onion, Tomato, Spinach, Garlic, Sun-Dried Tomato, Feta Cheesse, Broccoli, Qebap, Pineapple, Spinach, Basil
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Brisku's Favorites
Cheese Sticks: $6
Home-made, deep fried mozzarella sticks served with marinara sauce.
Mediterranean Salad: $7
Romaine lettuce, tomato, cucumber, kalamata olives, and feta cheese tossed in our balsamic extra virgin olive oil dressing.
Crab Cakes: $12
Pan-seared in butter and topped off with a sun-dried tomato aioli.
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Today's Specials
Tuesday Mar 31, 2020
$2.00 1/4lb burger with fries
$2.00 Domestic Beer Bottles
$2.00 Mixed Drinks
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all daily
website designed & developed by
chris brueck


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Turner scores 21 in Bowling Green's win vs. Western Carolina
BOWLING GREEN, Ohio (AP) Justin Turner scored 21 points with six assists and Bowling Green defeated Western Carolina 73-52 on Friday.
Antwon Lillard scored 12 points off the bench and Demajeo Wiggins added 11, nine on free throws, plus nine rebounds for the Falcons (7-5), who shot 50 percent and made 17 of 27 free throws to 2 of 8 for the Catamounts (3-11).
The Falcons won their third straight overall and are 6-0 at home for the first time since 2008-09.
Kameron Gibson was 4 of 6 from the arc and scored 20 points for the Catamounts, who lost their third straight. Marc Gosselin had nine points and eight rebounds.
Lillard's 3-pointer with seven minutes left put Bowling Green up 60-47 and began 16-5 game-ending run.
A dunk by Jeffrey Uju snapped a 21-all tie and gave Bowling Green the lead for good with 2:48 left in the first half, which ended with the Falcons leading 32-35.
Updated December 21, 2018


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We are proud to have an A+ rating by the Better Business Bureau.
Contact us today
Contact Name: Rodney Ford
Address: Plant City, FL 33565
Email: firstname.lastname@example.com
Phone: 813-659-0124
Business Hours: Please call to schedule YOUR appointment.
For more information
If YOU have any questions, comments, or concerns, fill out the form below and we'll get back to YOU as soon as possible.


text:
The Pomegranate child glows with confidence, creativity, and compassion.
We provide a uniquely nurturing educational experience that appeals to the mind, body, and spirit. While cognitive, social, physical development is important and is given high priority, we also take care to cultivate conscious self-awareness, healthy lifestyle habits, and global citizenship. The Pomegranate child is a self-motivated, intelligent, and responsible individual with a keen sense of community…and loves to learn!
Fruitfulness: is a state of being extremely productive or prolific, or creative, or inventive.
Prosperity: is the state of flourishing, thriving, good fortune or successful social status. Prosperity often encompasses wealth but also includes other factors which can be independent of wealth to varying degrees, such as happiness and health.
Ambition: a strong desire to do or to achieve something, typically requiring determination and hard work.
Abundance: life in its abounding fullness of joy and strength for mind, body, and soul.


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it's many benefits, our Pure Virgin Coconut Oil from Ghana makes a
wonderful ingredient for skin care products. It is naturally high in
antioxidants that can penetrate deep into the underlying tissues of the
skin to prevent and protect against the formation of free radicals.
Virgin Coconut Oil can help heal and repair the skin and make the skin
smoother and more evenly textured by removing the outer layer of dead
skin cells. Regular application helps keep skin firm and reduces the
appearance of fine lines and wrinkles. Oils such as coconut oil,
sit on top of the skin and lock in moisture, thus acting as a water
sealant. Coconut oil is easily absorbed through the skin, giving it a
soft, smooth texture. It makes an ideal ointment for the relief
of dry, rough and wrinkled skin. Psoriasis and eczema suffers
often see great improvements. One tablespoon in your bath water yields
a fabulous, relaxing, natural total moisturizing experience!
Virgin Coconut Oil in Hair Care Formulations
oil is wonderful for the hair. It can be used as a deep conditioner and
a hair and scalp moisturizer. It softens the hair and conditions the
scalp. Using the coconut oil as a pre-wash conditioner can rid a
person of dandruff better than a medicated shampoo.
Virgin Coconut Oil in Soap Formulations
Coconut oil is a gift to the soap making industry because of its resistance to rancidity and contribution towards making a hard bar of soap with a wonderfully fluffy lather. Coconut Oil is a first choice for those seeking an incredible lather to their soaps.
Purchase in store 20.00 per Kilo
Includes shipping Canada and USA only
Includes shipping Canada and USA only
|"I am so impressed with the order of black soap
I received! Thank you so so so so so much!, and for the extra goodies,
you are generous. I am already seeing a huge difference in my skin and
I`ve only used it twice. I had such dry skin before, and the first time
I washed and used the Shea butter my skin has
never felt better. And the coconut oil is much better than the oil I
have been using. I am just so impressed and happy right now. .. I
finally feel clean, in such a healthy way, and Fair trade really is the
only ethical way to go, so thank you for that. If you can, can you
thank the family for me who makes the black soap, they have done a
wonderful job.
Your business is going to prosper and prosper, and that is the truth."
Pure Cocoa Butter_________________________________________________
Cocoa butter is one of the most stable fats known, a quality that coupled with natural antioxidants that prevent rancidity, grants it a storage life of two to five years. The velvety texture, pleasant fragrance and emollient properties of cocoa butter have made it a popular ingredient in products for the skin, such as cosmetics, soaps and lotions.
The moisturizing abilities of cocoa butter are frequently recommended for prevention of stretch marks in pregnant women, treatment of chapped skin and lips, and as a daily moisturizer to prevent dry, itchy skin.


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With the release of webTA version 5, Kronos® continues to lead the industry in delivering solutions that address the changing needs of federal customers.
webTA version 5 provides all the original benefits of version 4.2, but with more flexibility for management and HR agency policymakers to adjust permissions, rules, validation, and a variety of other configurations as needed for interpretations of OPM policy and business practice changes.
webTA 5 provides unmatched functionality and flexibility, allowing agencies to manage their workforce with ever-changing federal requirements and directives. In addition, version 5 has the same look and feel of version 4.2, which eliminates the need for additional, agency-wide training costs and user adoption of a new system. Key benefits of webTA version 5 include:
Download this informative piece to learn more about how webTA version 5 might give your agency important new functionality.
- Expanded product configurations with Kronos remote, on-site, or offline assistance allow for a rapid deployment of changes as well as XML imports and exports
- WCAG 2.0 AA Accessibility Analysis regularly tested by third-party industry expert who provides a Voluntary Product Accessibility Template
- Security testing by third-party industry experts that checks for system vulnerabilities so the code can be updated as required
- Agency feature extensions provide the expandability to deliver agency-unique features and access to a feature extension library


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In order to use the maintenance reminders, you must have a premium service plan with DroneMobile.
To use this feature, please follow the steps below:
- Click on the 'Setup' icon at the bottom of the app screen.
- Click on 'Drone Settings'
- Here is where you'll want to make sure your Maintenance Settings reminders are turned on.
- Once your reminders are turned on, you'll be able to enter the maintenance information related to your vehicle.
NOTE: Set the odometer at your current mileage, then set the mileage where your next service is due. The DroneMobile unit will use the GPS to track how many miles the vehicle has traveled and will send you an alert when you are at the mileage requested for your next service.
Thank you.


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No products
Warning: Last items in stock!
Availability date:
All skin types. Contains essential oils so it's not recommended for kids below 3 years old, pregnant and breastfeeding women. Vegan friendly.
Lather with warm water between hands, and apply all over the body. Rinse off.
As frequently as needed.
Size: 100g
Packaging: Paper box without plastic.
INCI: sodium cocoate**, sodium olivate**, sodium shea butterate**, aqua, glycerine*, sodium castorate**, lavandula angustifolia herb oil, citrus aurantium bergamia fruit oil, lavandula angustifolia flower.
*Certified Organic. **Made using organic ingredients.
Component of essential oil: citral, geraniol, limonene, linalool, citronellol.


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See Why More Louisiana Drivers Prefer Our Lincoln Dealer in Alexandria for Collision Repair and Body Work
Whether you're driving a new or certified pre-owned Lincoln sedan or SUV or a pre-owned car or truck from another of today's top automakers, you likely already know the importance of maintaining it. For that, you may also already know that the team of expert technicians here at our Lincoln service center in Alexandria is ready to help, using only genuine Lincoln auto parts and accessories to get any job done right the first time, no less.
But, if you've ever been in a fender-bender in Pineville, LA, you've had a friend get into a worse accident out in Leesville, or you've had family in Marksville with other major car repair issues, you likely also already know the obvious: regular service and factory maintenance won't do. In such cases, you'll need something done that's more extensive than a brake repair, oil change, or tire rotation. That's where our collision center here at Hixson Lincoln comes in.
The team on staff at our body shop comes well-versed in all things auto service as well as diagnostically and technologically well-prepared to take care of everything. That includes surface repairs and frame fixes on your Lincoln Continental, chassis realignment on your Lincoln MKC, scratches, scuffs, dents, and dings worked out on that all-new Lincoln Nautilus, and even a new paint job of the proper shade on that pre-owned Ford or other used car, truck, or SUV you love.
Feel free to get in touch by phone with any questions, to discuss your needs, or to make an appointment, or send us an e-mail if you'd like to get an estimate on the work you need done. We'll be glad to bring you into the shop here at 2506 MacArthur Drive for an in-person consultation, too!


text: One of my favorite classic car models is the Chevrolet Chevelle. I liked these cars back in the 70's. This is a 1971 Chevelle and as you can see by the sticker, it cost less than $4,100 brand new. I can't remember how much gas was back then, I think it was less than $0.40 per gallon. Boy, those were the days!


text:
Recently while reading Kurt Vonnegut's Welcome To the Monkey House, I came across a quote from the late satirist HL Mencken, which resonated with me on a number of levels. I knew I wanted to make something with the quote, and had originally intended on just drawing up some fancy lettering.
"Nobody ever went broke underestimating the intelligence of the American public."
Then a few days later while watching old episodes of Arrested Development (perhaps one of the most brilliant television shows ever, only to be canceled midway during it's third season) it occurred to me that Jersey Shore, which just signed on for a 4th season, will have had a more successful run than Arrested Development. As a creative thinker, this pandering to the lowest common denominator is the type of thing that makes my blood boil. So I ditched my previous idea and in turn drew myself a Snooki.


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6 Questions to Ask a Home Seller
Posted on Monday, June 15th, 2015 at 12:46am.
Prime Edmonton Real Estate - It is quite essential to spend enough time, money and energy while searching for the perfect house. So, by the time you're ready to buy, you'll certainly know a lot about the particular house and also all the other houses that you came across during your search. A small chat with the seller can fill in all the necessary details that help you make a better decision.
Here are some important questions that you need to ask the sellers:
1. Are There Any Neighborhood Problems?
There can be a number of problems or nuisances in the neighborhood including traffic congestion, traffic noise, speeding on community streets, crime rate, bothersome neighbors, poor maintenance and various odors of cigarette, litter, etc. It is obvious that you may not get a particularly detailed answer, but it's definitely a good idea to at least try to find out about any problems before taking a decision. In addition to asking the seller about the nuisances, you can also ask people in the neighborhood about your concern and you can also visit the local police department to research crime statistics of the neighborhood. This is crucial in order to know how to choose a neighborhood.
2. Why Are You Selling Your House?
Job relocation, desire to move into a smaller or larger house, crucial life events (marriage, a new member in the family, death of someone close) and retirement can be some of the many reasons why the seller wants to sell his or her house. You may not always get a truthful answer, but asking the seller why is he moving can be helpful in determining how much room there is for negotiation.
Of course, if the seller is in no hurry to sell the house, there may be little or no room for negotiation. However, if the seller is hasty to sell the house depending on the reason and urgency of moving, he or she may be willing to accept a lower offer.
3. How Long Has the Home Been On the Market?
The longer the house stays on the market, the harder it becomes to sell since the listing becomes 'old' and buyers inherently think that there must be something wrong with the property or the neighborhood. Another primary reason for the house staying on the market is that it was priced too high to begin with. There are possible chances that the seller may be motivated and more willing to negotiate, if the house has been on the market for a long time.
4. Have You Had Any Problems in the Past?
Depending on the disclosure rules which vary from state to state, home sellers generally must tell you about any current problems with the property. However, they don't have to necessarily tell you about any past problems that have been corrected. It doesn't matter if the problem was fixed, but it is significant to at least know if there were any problems in the past. Thus, make sure you ask them if the house has previously experienced any problems such as a leaky roof or damp walls because knowing these things will help you to be aware of the condition of the house.
5. How Much Did You Pay For the House And When?
It is important and useful to know how much the seller paid for the house. It lets you determine if values in the local market have gone up or down since the seller purchased the home. Additionally, it may help you determine how open the seller may be to negotiation.
For instance, if the seller bought the house at a very low price, there may be chances that he may be willing to move down on price since he will still make a reasonable profit. It the seller purchased the house for close to or more than the asking price, then perhaps he won't be willing to move down and incur loss.
6. How Old is the House?
This may not seem an important question to many, however, it carries its own significance at least to those who know the criticalities of an old home. You should be certainly be aware if there are any big expenses left unresolved or big repairs which can soon show up, because nobody would like to move into his or her new home and then after a month or so, begin wondering about the leaking roof, or the paint wearing off.
Newer roofs may last anywhere from 15 to 50 years, depending on the roofing material. E.g. an asphalt roof lasts about 15 to 20 years. You should also ask about the heating and cooling systems, water heater, septic, plumbing and other electrical systems.
While the marketing materials and listing include many details about a house such as the number of bedrooms and bathrooms, the area, etc. it is equally important to talk to the seller as he can help you learn and interpret the best and the worst aspects of what you are getting into.


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If you keep a sourdough starter on the go or have more starter than you need for your next loaf of bread why not make sourdough breadsticks? Once baked these keep well in an airtight tin.
For additional guidance with hints and tips, see our Guide to Sourdough Making alongside our handy Sourdough Starter Chart.
Starter – use this handy chart to help you keep track of your feeding times.
Click this link to find a handy Sourdough Starter Chart which when printed has space for you to enter the day and time that you feed your starter with flour and water and to help monitor progress.
This Guide to Sourdough Making contains lots of hints and tips for successful sourdough bread making.
200˚C, Fan 180˚C, 400˚F, Gas 6
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It started with a passion.Learn More


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Spring is a time of transition, from cold to warm, rainy to sunny and student to employee. For many of the class of 2015 that transition can't come fast enough.
College graduates this year are the most indebted class ever, yet its a title they'll only hold exclusively for about 12 months if current trends continue.
It's an increasingly concerning problem in America – the cost of college education is rising tremendously while wages and employment prospects are steady to declining. Wages, in real terms, have actually been falling.
The average class of 2015 student who owes debt will have to pay back over $35,000, according to an analysis of government data by Mark Kantrowitz, publisher at website group Edvisors.
That number, adjusted for inflation, is still more than twice the amount borrowers had to pay back two decades ago.
All this while the value of a college education is dropping. More graduates are being pumped out than ever, meaning an undergraduate degree isn't as valuable as it once was. Students are increasingly doing two, three or even four degrees in an effort to out-qualify their peers and land that dream job.
All together, total private and federal education debt will tally nearly $68 billion this year for graduates with a bachelor's degree which is a more than 10-fold increase since 1994.
The White House is assessing ways to tackle the problem as it closes down for-profit schools costing taxpayers hundreds of millions. The problem could have widespread economic ramifications as credit rating agency Moody's has warned that $3 billion in student loan-backed paper is at risk for default. And that's hard default – once deferments, forbearance, and IBR are factored in, actual delinquencies could be above 40%.
Look for developments in this space in coming months, especially if the U.S. economy hits any bumps in the road. Should job markets, especially for new grads, shrink there could be serious knock-on effects in the broader economy.


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About London Community Credit Union
At London Community Credit Union we provide an ethical banking service for our members. This includes loans, savings and current accounts.
If you live, work or study in the London boroughs of Hackney, Haringey, Islington, Newham, Tower Hamlets, Waltham Forest or the City of London, you can join us.
We are mutually owned and managed by our members. This means we don't exist to simply make profits for shareholders, like the High Street banks. We believe in ethical banking and so we focus on providing the best possible service and extending access to financial services to all members of the community.
Read more: What is a credit union?
Read Our Story
Tower Hamlets Credit Union, the forerunner to London Community Credit Union was established in 2000. It was set up with the support of the London Borough of Tower Hamlets and served as part of the council's anti-poverty initiative. The first office was opened in Roman Road, Bow, from where we still serve the local community to this day.
Following rapid growth, we opened a second branch in Bethnal Green in 2002 and then a third in Poplar in 2005.
Following our success in Tower Hamlets we were invited to open a branch in Hackney by the leaders of Hackney Council. To allow us to do this, we extended the reach of our 'common bond' which defines the area in which we can operate. We rebranded and adopted our current name, London Community Credit Union. We opened in Mare Street, Hackney in 2010.
In 2015 following a merger with Newcred credit union in Newham, we opened a fifth branch in Stratford. This branch relocated to new premises in the heart of Stratford in November 2018.
Today we have over 15,000 active members and employ more than 50 people. Our 5 branches are open six days a week and we offer telephone and online banking.
How we operate
By opening an account with us you become a member, rather than a customer. This means you own a stake in us and have a say in how we operate.
We encourage every member to save and through pooling our savings we generate a common fund through which we can extend our banking services and provide low-cost loans.
Interest paid on loans is our main source of income. If we do make a profit, members can decide to award themselves a dividend payment at our annual general meeting.
The more you save with us, the greater your share of the dividend. And the more you save, the more you can borrow.
Each year, our annual general meeting elects members to a volunteer board of directors. The board governs the credit union, meeting monthly in addition to holding committee meetings to manage more specific areas such as audit, credit control and loans. Each year a quarter of the board membership is required to retire ahead of board elections. Retiring members are eligible to seek re-election.
All members of the credit union are bound by THE RULES OF LONDON COMMUNITY CREDIT UNION.
See who's currently on our board of directors
How we are regulated
As a financial service provider, we have to comply with strict rules relating to the way we operate, to ensure we manage your money appropriately.
London Community Credit Union is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority.
Our Firm Reference Number is 213743. You can confirm the details of our registration on the Financial Services Register.
As an organisation regulated by the FCA we subscribe to the Financial Ombudsman Service, an independent service to which you can refer complaints if you are not satisfied with our handling of them. You can read more about 'How we handle complaints'.
Eligible savings held with London Community Credit Union are protected by the Financial Services Compensation Scheme.
London Community Credit Union was incorporated under the Co-operative and Community Benefit Societies Act 2014 (formerly the Provident and Friendly Societies Act 1965) and the Credit Unions Act 1979 on the 1st December 2000. Registration no. 640c
You can see details of our registration on the Mutuals Public Register