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Young women should feel confident no matter how their looks are. I believe that every women is beautiful. We should not influence by what the papers told us because none of it wasn't even true. Instead, i believe we should unlock our potential despite our flaws. Young women are better than how we looks like. We deserve an applause for our greatest creation by almighty god. I hope this helps you when you think you are unpretty even though actually you are :)
It makes many girls really sick they think that they are nothing and that they should make themselves stave to death so they can get in shape like the girls in they picture and that can make them light headed and maybe end up going to the ER and maybe have to eat because they never eat. Also they can just want to make there self throw up and when they eat they just take it all out and not have anything in there tummy's.
When unfit woman like me look at a nice body person in a magazine it makes me kinda sad that I don't have a nice body like that. I was once depressed over my body because I felt like I was the fatter girl in the world. But now I really don't care what people think because I am starting to be fit and try to get a healthy body.
Have you ever looked at a magazine and maybe even realized how fat you looked or how ugly you are? Imagine yourself in the future trying to look good and a guy dumped you because you were not being yourself. Magazines everyday at least affect women and their relationships. Women picking up a magazines can cause suicide, mental illnesses, and lower their self esteem because magazines send unhealthy signals to women.
Magazines can help women achieving great looks but, it can also break them down so much, they would want to kill themselves - suicide. In the article "Suicide" by Mental Health America, 30%- 70% of women commit suicide because someone has something they don't.(Mental Health America) Magazine articles include women in swimsuits that many other women can't fit in. This shows that all those other people who think who don't have or appreciate themselves think they will not fit in society thinking they belong to a type of group. Also in the article "Suicide", suicide rates for women were 80 times greater than they were back in 2006.( Mental Health America) Because magazines are more popular now than they were back then, women are used to being exposed to them everywhere they go. No wonder our women are dying. Suicide is very deadly to some people but to waste your life because of one article; that's a deadly combo.
Young women are giving up their lives because Victoria Secret models are "beautiful". Look they aren't beautiful they are fake. Literally fake so stop look at yourself and say that your beautiful every day and avoid watching ads. Those Victoria Secret models are just like us but not just like us they are unique and so are we. They don't actually look like that its PHOTOSHOPPED.
It can be difficult to comprehend why, but if you just think about it you may actually agree. Many people are blind to the harmful things right before your eyes. Although you may just think it's perfectly harmless you probably have never seen the results of these unhealthy images being put in young women's heads.
Through a young woman's eyes, anything is possible and everything is real. Teenagers have a fascinating tendency to believe in the unbelievable and dream of the unthinkable. So they will most likely want to do what models or celebrities do!
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It makes women feel like they need to be skinny and half the time girls will go on diets and then start skipping meals and then end up not eating just drinking water and chew gum and then they end up having eating disorders and thats bad trust me i know from experience
These women are photoshopped to look like perfection. No one on a magazine cover isn't touched-up, young women strive to be these people don't exist. I'm not saying that your fave celebrity doesn't exist,just the person the magazines portray. These young girls believe they can look like this, but not without the help of a computer,
Wanna die noooo sooo plz they are giving bad info to ppl ahaa thats tru ah why more wors anyways its tru tri ytri tru tru tru tru truttruttr tru tru tru tru tyru tru tru tr u truy ru tutru tru tru try tru yru tru tru tru tyr
No how could it send unhealthy messages to girls? The girls idolize these women and the women obviously take care of themselves. That is a positive message to send to girls. Now girls shouldn't starve themselves to look like the women on the covers but rather it could motivate the girls to get in shape. They don't need to be saying it makes me feel horrible that I don't look like them, because it's a fixable problem the girls today are just lazy and want people to say that fat is healthy when it's not! They just want a reason to justify their laziness!
They don't give unhealthy signals because the shouldn't take everything to the heart. Maybe the people in that magazine have plastic surgery and don't actually look like that. They can keep the women fit and not unhealthy because they want to be the people in the magazine. They aren't that bad after all.
I absolutely disagree that magazine advertisement sends unhealthy signal to young women because it gives inspiration to young women,they are tips and tricks and could turn young women into beautiful models.Here are top three main reasons why I disagree that magazine advertisement sends unhealthy signal to young women.
To begin with, you don't always have to compare yourself, you can take as an inspiration to make yourself look like that.For example if you saw a really skinny women on your favourite magazine don't compare yourself, just take it as inspiration and try doing some simple workouts to look like her.Don't compare just inspire. Inspiration motivates to do something more and healthy.
Additionally, magazines have clever tips and tricks to make life easier for us to proceed.Imagine your life without using any tricks or tips?Its going to be hard for me since I use lots of tricks in my laptop.Tips and tricks are last minute time and money savers for those who are lazy.For example it halloween you have no costume,looking at different magazines gives you lots of ideas and using one of those suggestions saves time and money saving.
Furthermore, there are more than hundredths of models produced everyday in the world because of advertisement.Women who want to became models see magazines everyday because they want improve themselves to look more prettier and skinnier just like the models.So young women can turn into models and make lots of money on advertising.
Therefore, I absolutely disagree that magazine advertisement sends unhealthy signal to young women as shown in my argument because it gives inspiration to young women,they are tips and tricks and could turn young women into beautiful models.
As a female that reads these magazines I know for a fact that they do not. They actually can help women. They can help keep them fit, eat healthy, and help them set up goals. Young women see these pretty fit models and say "hey, I want to look like her." and they can choose two ways to do that, the healthy way or the dangerous unhealthy way. But if they choose the healthy way yes it will take time but eventually they will get there and they will be happy with their body. They also show healthy food that looks delicious in these ads and it encourages them to go out and buy the ingredients to make these healthy meals. They also encourage young women to workout and stay fit and healthy which is a good thing that everyone wants. These are only a few ways and there are many more out there.
Ok im done byeeee whhyy do i need so many words its not fair just like the ads you bums jk you guys are awesome but still let me goooooooooooooo please? Why so many words holy! Ok fine im lmost done! Lol lol lol lol lol ll lol lol lol lol
Ok im done byeeee whhyy do i need so many words its not fair just like the ads you bums jk you guys are awesome but still let me goooooooooooooo please? Why so many words holy! Ok fine im lmost done! Lol lol lol lol lol ll lol lol lol lol
Many people say that magazines are sending the wrong message to teenagers, but they are just promoting a health lifestyle. Many are now promoting thay being big is okay, but in reality it isnt. Being big means that you don't have a healthy life. You are endangering your health and have risks for obesity and diabetes along with heart and organ failure. BEING BIG IS THE SAME AS BEING OBESE, AND WE NEED TO STOP OBESITY!!
You don not have to take it that way you can also take it as an inspiration to make yourself look like that. It did for me i went to the gym evryday for a year and i lost 55 pounds and i am still going to the gym thanks to one of those "unhealthy" magazines....
They don't have to take take to heart what they see. They can chose what their opinions are and what they do and don't think is attractive. It's not being shoved down their throat; it's just there. No one's asking them to even buy the magazine the images are in!


text: Protected: Become a Member This content is restricted to site members. If you are an existing user, please login. New users may register below. Existing Users Login Username Password Remember me New Users RegistrationChoose a Username* First Name* Last Name* Address 1 City State Zip Day Phone* Email* Badge* District #* *Required field

subset: commoncrawl


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Custom (user defined) file signature templates
Active@ UNDELETE comes with more than fifty predefined (internally programmed, very fast) file signatures to be used to detect particular files (MS Office Documents, many Image formats, ZIP archives, MP3, etc..See complete list of supported file signatures) during disk scan. However sometimes advanced users need to detect more specific file formats, not being defined in default signatures set.
Active@ UNDELETE offers advanced tools to define user's templates for signatures to be analyzed. Signatures can be defined using extended definition language RegExp (Regular Expressions).
To create custom file signature
- Click command to open Preferences dialog.
- Open File Signatures group and use Add button to define new custom file signature or
- Click Import button to load (import) custom file signature from script file (*.ini format). See Custom Signatures Size Script for details.
Custom file signature template
Provide template name and brief description - for future references. Specify file extension of a file type you defining (optional). To completely define custom file signature template you need to enter Header (beginning of the file) and Footer (end of the file) criteria using RegExp syntax. Header criteria could be more then one and all of them must be met to consider beginning of the file. Footer's criteria could more then one too, but at least one of them must be met to consider end of file.
Dialog Options
- Template name
- Unique template name.
- Template description
- Brief template description (optional)
- File extension
- File extension for this template (optional)
- Beginning of File Criteria
- List of RegEx criteria, considered as beginning of file combined as AND statements. Not earlier then and Not later then specifies limits of defined criteria in the beginning of a file template.
- End of File Criteria
- End of files can be determined in two ways:
- By list of RegEx criteria, considered as end of file combined as OR statements. In case of missing file footer criteria, end of file will be taken by defined Maximum file size. Append after attribute specifies size of end of a file. File size is used in case of missing file end criteria. By default its 65535 bytes.
- By using simple script to calculate end of file. See Custom Signatures Size Script for reference.
Defined custom file signatures templates are stored in INI files in user's selected locations and will be loaded at every consequent application starts. You can also import such custom signature template files created by other users by clicking Import button and specifying full path to custom file signatures template file in opened dialog. See Custom Signatures Size Script for details.


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UBCS is dedicated to developing students as whole persons. We are thankful that God has given us each talents and abilities that reflect His creativity and love for excellence. We also recognize that cultivating one's ability in the fine arts is both personally and professionally fulfilling. In addition to offering a solid academic core, we have cultivated a strong Fine Arts department that has earned recognition at regional and national events.
See photos from recent fine arts events
Beginning in Kindergarten, students are encouraged to pursue the fine arts through music appreciation classes that expand as children grow older. Upper elementary students are able to participate in various instrumental ensembles as well as limited public speaking/acting opportunities. Private voice, piano, and instrumental lessons are available for an additional fee.
Opportunities for secondary students include various art classes, Jr. High and Sr. High Choir, Symphonic Band, Speech classes, and an annual full-scale dramatic production. All secondary students are invited to participate in the Keystone Christian Education Association's annual Fine Arts Competition as well as other interscholastic fine arts events.
For more information regarding our fine arts department, contact us today.


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In his final news conference as UN chief, Ban says: "Aleppo is now a synonym for hell."
UN Secretary-General Ban Ki-moon on Friday urged all parties in Syria to resume the evacuation of civilians from Aleppo after operations were suspended in the battered city.
"Aleppo is now a synonym for hell," Ban said in his final news conference before he steps down as UN chief on December 31.
The Syrian regime suspended the evacuation of civilians and rebel from Aleppo on Friday, leaving thousands of people trapped and facing an uncertain fate.
A Turkey-Russia brokered ceasefire agreement for the evacuation of civilians and rebels out of east Aleppo went into effect Tuesday night. The first convoy of civilians moved out of the city on Thursday.
Turkey's President Recep Tayyip Erdogan also called on all sides to respect the deal.
I urge all parties and the international community to abide by the truce agreement and support the implementation of the evacuation process.— Recep Tayyip Erdoan (@RT_Erdogan) December 16, 2016
The UN Security Council is meeting behind closed doors on Friday to hear a briefing from UN aid chief Stephen O'Brien on the situation in Aleppo and to discuss a French proposal to send observers.
"The immediate priority is to save lives, to stop the massacres and to avoid a new Srebrenica," French Ambassador Francois Delattre said, referring to the massacre of Bosnian Muslims at the hands of Bosnian Serbs during the Balkan wars.


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Husky Union Building (HUB)Phone: 206-221-3032
Whatever you're in the mood for, SUBWAY has a wide variety of subs, salads and sides to choose from. And every one of our subs is made fresh in front of you, exactly the way you want it!
Manager: Dale AskewPhone: 206-221-3361Email: email@example.com
UW Dining AdministrationPhone: 206-685-4950Email: email@example.com
Stop on in for your favorite sub, or order boxed lunches for your visiting group or UW team. We accept UW budget numbers, Husky Cards, cash and credit cards.


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The Ultimate Credit Score Survival Guide: 45 Rules to Help Increase Your Credit Score
Debt & Credit RepairPersonal CreditPersonal Finance January 25, 2016 Mike Ouyang 0
Many of us have heard of a credit score, and know at least to some degree that it's important to keep it healthy should you ever need a loan for a car, home, or any other major expenditure. But a lot of us probably struggle to understand what exactly affects our credit. What makes my credit go up? What makes my credit go down? How do I increase my credit score? We all want to know what factors into our credit score so we can take the right steps to keep it healthy.
Well, here are a few major things always remain important and will always affect your credit.
- Payment History – Very high impact
- Age of Credit – High impact
- Utilization – High impact
- Negative Marks – Medium impact
- Credit Inquiries – Low impact
- Available Credit – Low impact
But maybe you're thinking these are still just broad categories. If you're looking to build your credit score, you probably want specific action steps you can take.
Well, actually there are specific action steps you can take, and really, most everything you can do to increase your credit score is pretty easy and completely common sense. Of course, though, there are still some other factors that are less obvious that would be extremely helpful to know.
Here is a list of 45 rules to follow that will help you increase your credit score and keep it healthy.
Rule #1: Always pay your loans on time
This is an obvious one but also the most important. The primary point of a credit scores is to give lenders a way to assess your ability to pay back a loan. A single missed payment on any loan with your name on it will hit your credit score and hit it hard. Never miss a car loan, mortgage payment, student loan payment, or any major loan that's tied to your credit. Set calendar reminders for payments and stay on top of any open accounts. A missed payment can stay on your credit report for a long while.
Rule #2: Always pay your credit card on time
This is very similar to Rule #1. But, some of us might not see credit cards as loans or understand that credit card purchases are made with borrowed money. You have to pay off your credit card in a timely manner, just as you would any other loan. Don't ever miss or forget about a credit card payment.
Rule #3: Be proactive in reaching out to a lender if you feel you may miss a payment
Whatever you do, try to avoid making a late payment. It's better to make a minimum payment than no payment. But if you know you absolutely cannot make any payment, see if you can work out a solution with the creditor before the bill is due. Sometimes a lender or money issuer may work with you to find a solution, if you make an effort to fix a payment issue before it arises. This is sometimes true with mortgage payments, too. After all, the lender would rather be paid back than not paid at all.
Rule #4: Set a budget
In many cases, people get a hit on their credit score because they lose track of their spending and are unable to make the payments when the bills come. Sit down and take the time to know how much you make and what your fixed expenses are for each month. Then create a budget and limit your spending to match. Don't put yourself in a position where you can't afford a payment. If you can't afford something, then don't get it. This won't increase your credit, but it can prevent you from being in a scenario that could cause your credit to drop.
Rule #5: Save a cash safety net
Life is unfortunately always filled with unexpected surprises. But without any cash savings, anything that's unexpected is an emergency. Budget in some cash savings so you have some padding should something unexpected happen. You generally want to keep three to six months' worth of your total average monthly expenses saved.
You can't stop surprises from happening, but planning ahead for a rainy day will hopefully allow you to keep surprises to just an annoyance, rather than a financial catastrophe. Many credit scores get hurt, not necessarily because people are irresponsible, but because they were simply not prepared enough for tough times.
Rule #6: If you have a credit account, use it; if you don't, start borrowing money
Your credit score and report is like a resume. It's a summary of your experience that shows you are qualified and trustworthy. If you don't have a resume and proof of work experience, it makes it difficult for an employer to hire you, as they're taking a risk if they do.
Not having to borrow money does not show lenders you are more financially responsible. Borrowing and showing you have experience paying back your loans, however, is a better indicator of you being a low risk factor and will build up your credit score. Therefore if you have credit, use it and keep building your experience. And if you don't, start building credit.
Rule #7: Start building credit early
The longer you have a credit history, the better your credit score generally is, assuming you do everything else you need to do. After all, age of credit is one of the major factors. So if you can, start taking steps to establish credit under your name as soon as you get the opportunity to.
Rule #8: Consider starting with a student credit card
If you're young and can be responsible with spending, an easy way to start building credit is to get a credit card. Student credit cards are good options as they're catered to younger folks still in school. They often start with a low credit limit but many have some perks and rewards. Use it only once or twice or month for small purchases such as a tank of gas or a lunch. Then pay it off as soon as the bill comes.
>> You can compare available student credit card options at LendingTree
Rule #9: Get a store retailer card
Retailer credit cards are also a good way to build credit as they're easier to qualify for, even for those with no credit history. You'll be limited to using the card at only that store, so pick a store that you may frequent often to maximize the points or rewards that the card may give you.
BUT, be sure not to spend too much either. Stick to your set budget.
Rule #10: Consider a secured credit card
Another way to establish credit or rebuild credit is to use a secured credit card. A secured credit card requires you to first make a cash security deposit. But unlike a prepaid card, you will have a line of credit. Overtime, your deposit may be returned to you as you prove you can use your card responsibly. Pick a secured credit card that reports your activity to the major credit bureaus so you can build your credit file.
>> Take a look at LendingTree's secured credit card options
Rule #11: Have a co-signer
If you cannot establish credit yourself, either because you have poor credit or because you have little credit history, see if you can have a co-signer who already has good, establish credit help you out. This may make it easier for you to be approved for credit and start fixing or building your own.
When someone co-signs a credit account with you, their credit score acts as leveraging factor, and the person acts as a back-up should you be unable to pay for your loans. The co-signer's credit also becomes tied to the credit account, so be sure to not put them in a tough financial position. A co-signer can be anyone you trust, such as a parent, family member, or close friend.
Rule #12: Only co-sign for people you can trust
If you decide to co-sign for someone else, be sure the individual is responsible with their spending, as you are equally held liable for their payments should they either miss a payment or be unable to pay. Before you co-sign for someone, make sure you are able to afford their payments in case they are unable to. Otherwise, both your credit scores will take a hit.
Rule #13: Get installment loans
Installment loans are any type of borrowing where the money is repaid over time through a set number of scheduled payments, or installments. Normally, at least two payments are made towards the loan and the term of the loan may be as little as a few months or even decades. Personal loans, auto loans and mortgages are all examples of installment loans.
These types of loans are all common ways to build your credit.
Rule #14: Know the difference between a soft and hard credit check
Be sure to clarify if your credit score will be subject to a soft inquiry or hard inquiry before you submit your information for credit.
Soft credit checks are actually pretty common and occur when a person or company checks your credit report as part of a background check. These inquiries can be part of an employer background check, getting "pre-qualified" or "pre-approved" for credit, or even when you check your own credit score. A soft inquiry can occur without your permission, but these have no effect on your credit in any way.
Hard credit checks do affect your credit. These are commonly done when you finalize an application for a loan, credit card, or mortgage, and the lender needs to check your full credit report before making a lending decision. Hard inquiries typically lower your credit score a few points and may remain on your credit report for two years, though the damage usually decreases or disappears over time, even before the inquiry may fall off your report.
Comparing loan offers (with the exception of comparing auto loan and credit card offers) on LendingTree will only conduct a soft credit check until you finalize a loan with a lender.
Rule #15: When applying for credit, shop around within a two-week time period
Shopping around for credit is the smartest way to save money, especially on large purchases. Even a small interest rate difference is a large amount of money over time. But, be sure when you are shopping and applying for credit such as an auto loan, mortgage, or personal loan to do so within a two-week time frame. By doing this, each hard inquiry will actually be merged and only count as one.
Rule #16: Do NOT apply to too many credit cards at once
Credit cards, unlike installment loans, do count as an individual credit hit with each application. They are not protected by a shopping period and consolidated as one credit hit. Do not apply for multiple credit cards at once! Compare credit cards online first before deciding which one you should submit an application to.
Rule #17: Shop only one type of credit line at a time
Borrowing too much is an easy way to hurt your credit score and sends a red flag to lenders. Only apply for one type of loan at a time.
Rule #18: Have some time in between shopping periods
After you've shopped around for one type of loan or line of credit, wait for a while before getting another loan. Borrowing too much too fast is another red flag. Let your credit score recover a bit first.
Rule #19: Diversify
Consumers with a higher number of credit accounts and varying types generally have better credit scores, as they have been approved by more lenders. Applying for different types of loans, such as credit cards, auto loans, and a mortgage, over your lifetime will increase your credit score.
Rule #20: Know when to stop spending
Using credit cards are an easy way to help you build credit, IF they are used responsibly. If you are using a credit card, be sure to either keep track of your expenditures on your cards using receipts, or using an online service if your bank provides one. Make a habit to check your credit card balances at least once a week, not just when the bills come in. This should help you keep track of your spending, but also keep an eye out for fraud.
Rule #21: Keep your balances and utilization low
Utilization is the amount of credit you have used compared to the maximum amount of credit you have available. Keep this number low.
Rule #22: Split your utilization across multiple accounts
Even if your utilization is low relative to the total amount of credit you have available to you, if it's heavy under one account, that may still hurt your score. Therefore, split your utilization across your different credit lines so they represent only a small amount of each individual credit accounts' limit.
Rule #23: Try sticking to under 10 percent of your credit card's limit
Consumers with the best credit scores have generally less than 10 percent utilization. Keep this as your ideal goal. For example, if your credit card's limit is $5,000, don't put more than $500 on that particular card. Once your reach $500, you should stop spending, start making purchases on a different card, or start paying cash.
Rule #24: Avoid using more than 30 percent of your credit card's limit
Using anything more than 30 percent of a credit card's limit is when your credit score may start taking a hit. As a best practice, make 30 percent utilization your absolute upper limit.
Rule #25: Make early payments
Your utilization is probably reported at the end of a cycle, around the same time as you would receive your bill. However, this may not always be the case. Some lenders may report your utilization in the middle of the month. It's therefore still best to stick to the under 30 percent rule at any point. But, if you do happen to go over 30 percent on a credit card, you can make an early payment before the billing cycle.
Pay down to at least below 30 percent or even under 10 percent of your credit card max before your cycle ends. That way, the lower utilization number will be the one reported.
Rule #26: But don't make payments too fast
Making early payments is a great way reduce your utilization. But don't pay off your credit card completely or that will be reported as zero utilization, and therefore not likely to add to your credit score. Keep a little amount on the card so there's utilization to report.
For installment loans, paying early is also a great way to save money on interest costs, but paying off loans too fast may also shorten the average age of your open accounts. If you decide to close or pay an account off early, make sure you have another open account keeping your average account age higher. Credit is essentially a balancing act between factors and can vary from each individual's situation and personal portfolio.
Rule #27: Don't close credit card accounts without first checking its impact
If you have an old credit card you no longer use, don't immediately close it. Closing a credit card reduces the amount of credit available to you. This would therefore also increase your total utilization. Before closing the card, see how much these two factors would be impacted. If it's significant, closing the card could lower your credit score.
Rule #28: Keep your oldest credit account open
Even if it isn't being used, it's probably best to keep your oldest credit card open. This card will act as a counterbalance to any new credit cards or credit accounts you open by keeping your average account age higher.
Rule #29: Open new credit only when you need it
Opening any new credit account will hit your credit score, though the impact will lessen over time. New accounts will also lower your age of credit. Only open a credit account when you need it and if it will help your credit score in the greater long run.
Rule #30: Open enough credit cards to match your spending habits
Credit cards are a great tool to help your cash flow and are more secure than debit cards. If utilization is a problem, which can be the case when spending habits change (such as when you get a raise), open an extra credit card to match your habits so your utilization is lowered. For example, if your budget allows you to spend $1,000 a month, but your credit card has a limit of $5,000, consider opening another credit card so you have more credit available. If the new credit card has a limit is $5,000, then that boosts your total available credit to $10,000 and drops your utilization to 10 percent from 20 percent without any difference to you.
The number of credit cards you have are not a heavily weighted factor toward your credit score. You may see a short-term hit on your credit for the card application, but because your utilization dropped and available credit increased, your credit score will go up higher in the future.
Rule #31: Ask for credit limit increases
You can also ask for a credit limit increase through your credit provider. If you've been a loyal customer and have a good credit record with them, they may provide you a higher cap which leads to a lift in your credit score. But, if you haven't been good at managing your credit, this may actually backfire. The conversation may lead to a lender taking a closer look at your profile and actually lowering your credit limit if you haven't been making proper payments!
Rule #32: Reduce your total debt
Having debt weighs down your credit score. As you pay off a loan and reduce the total account balance left on your debt, you'll start seeing your credit score slowly climb up.
Rule #33: Don't revolve your accounts
Revolving accounts, like credit cards, allow you to pay either some or all of the debt amount each month, instead of requiring a fixed set payment. Avoid revolving your accounts and instead just pay the full amount. This prevents you from being in debt and increasing your credit risk. The higher your credit risk, the lower you credit score. Not revolving your credit cards should be your goal so you don't carry debt from month to month. Then, you can avoid credit card interest altogether!
Rule #34: Pay down revolving debt, such as credit cards, first
If you have debt, pay off your revolving debt, such as credit cards, first. Credit cards also happen to be unsecured loans, which means a lender cannot take something back if you stop making payments, unlike with secured loans such as an auto loan or mortgage. Excessive credit card debt, to lenders, is therefore a high indicator of risk.
Credit cards generally have higher interest rates than most other loan types, so it would be beneficial to pay down the most expensive debt first and leave more cash in your pocket. Paying down revolving debt is also the easiest action you can take to increase your credit score. You'll see your credit score improve pretty quickly by simply paying credit cards off.
Rule #35: Make more than the minimum payment
Pay off as much you safely can when your payments come in. Paying only the minimum keeps you in debt longer, which will weigh down your credit score. The faster you can get rid of debt, the better your credit will be. Plus, the small the payment you make, the more interest you're paying over time.
Rule #36: Pay all of your bills and utilities on time, every time
Unfortunately, contrary to common belief, your bills and utilities probably do not positively impact your credit score. That's because utility companies likely don't report payments to the three major credit bureaus. However, that doesn't mean that they don't or won't! Pay your bills on time every time just in case, but also because it's the right and sensible thing to do.
Rule #37: Pay your rent on time, every time
Like utility bills, rent is also unlikely to be reported to the credit bureaus by most apartment owners, landlords, or management companies. But again, that doesn't mean that all of them don't or won't! Still pay on time because landlords and utility companies typically do send unpaid accounts to collections agencies, which do send reports to the bureaus.
Rule #38: Transfer balances
Transferring a balance or part of a balance to a new credit card is one way to reduce your utilization, assuming you don't rack up more debt. You will see a temporary small drop to your score, so don't do this if you're looking to qualify for another loan right away and want your credit at its highest. But, any drop will be short-lived and will climb back up over time.
If you transfer a balance to an introductory 0% APR credit card, you may be able to save a lot of money as well. Just watch out for costly transfer balance fees that may eat up any savings.
Rule #39: Use a free service to constantly track your credit score
Keeping an eye on your credit score is the easiest and simplest way to stay on track of your efforts. Additionally, if you notice a drop in your credit when there shouldn't be, it may be a sign of something wrong, such as identity theft. Use a free credit score service to also keep a pulse on your status.
LendingTree's My LendingTree is one example of a free credit service that also provides insight on what factors are affecting your credit. It keeps track of all your loans and credit cards in one easy place.
>> Sign up for My LendingTree to get free monthly credit scores
Rule #40: Get a free credit report
You are can get a free full credit report from each of the three major reporting bureaus once each year. So split the year and get a report from one of the bureaus about once every four months. It's a good idea to get a full report at least once a year to review, as a report gives you insight on otherwise unknown transactions and specific factors that may be affecting your credit score.
Rule #41: Dispute and fix credit report errors immediately
Credit reports can be wrong, as errors do happen! If you find something that is negatively affecting your credit score that shouldn't, or happen to come across fraud, report it to the bureaus immediately and dispute it. You don't want things that are not your fault weighing down your credit. Fixing an error could significantly increase your credit score.
Rule #42: Don't wait to ask about payments
If you take out a loan, ask up front about payments and regarding timing. Know when will bills arrive and through what method. Then, confirm again with the lender before that time arrives to make sure you can make proper payments on time.
There are stories from people where they never knew when they needed to start making payments and the lender did not make an effort to contact those individuals regarding collections. Those individuals were not aware of missed payments until they saw a drop in their credit score. A lender should make an effort to contact you, but that may not always be the case. Be sure to protect yourself and reach out.
Rule #43: Pay off past due accounts
In newer FICO and VantageScore credit scoring models, paying off or settling debt in collections could increase your credit score, depending on what other information is on your credit report. Older models did not account for paying delinquent debt, only that the debt was delinquent in the first place.
Today, having no balance on your collections looks better on your credit report, so make it a priority to work with collectors instead of avoiding them. Settling a debt is cheaper than paying the debt, but will yield the same credit score result.
>> LendingTree's free credit scores use the VantageScore 3.0 model which accounts for paid collections
Rule #44: Ask for a good faith adjustment
This may not always work, but asking for a good faith adjustment, or sending a goodwill letter to a creditor that reported your late payment to remove a mark against you, may yield success and bump up your credit score. When asking for a good faith adjustment, you goal is to explain why you missed your payment and why the creditor should wipe it from the report. Be friendly and courteous, and ask the creditor to empathize with your situation. If you can, point to a specific situation that may have led to your missed payment, or show a recent track record of on-time payments. Keep it brief.
You might have to contact a creditor multiple times, and maybe through different methods such as email, phone calls, or letters, but persistence may give you results.
Rule #45: Be patient
Your credit score won't jump overnight. It takes time to build and careful managing. If you follow all of these steps, you'll be on the right track. Remember, age of credit is a factor, so control what you can control and let time do its thing!


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After achieving a BSc combined Honours in sports science and geography and minus a few long haul adventures, Paul has been coaching since 2006. He has a passion for his practice in helping people enjoy their physicality whilst changing mindsets to what he believes it is to be truly healthy and fit.
'Discovering the Wildfitness philosophy during the coaches training course in 2011, my whole outlook towards health and fitness was changed. Wildfitness combines everything I am passionate about: movement, health, nature, having fun and, more importantly, it made sense from an innate and meaningful evolutionary perspective. I truly believe that the Wildfitness philosophy can be life-changing and completely transformative."
Question time with Paul...
1) What is your favourite travel destination?
Rio de Janeiro, it's alive with nature, passion, physicality and a general amazing vibe.
2) What song motivates you while exercising?
At times the sounds that the natural environment I'm moving in provide the best feedback but if I'm flowing then some Alt J goes down well or if I'm looking to lift heavy something with a bad ass base!
3) What's your go-to post workout meal?
I don't like the word "work-out" as it implies work where I see movement as the opposite of work, nor do I believe in the post exercise hype but my favourite foods, mood depending, would more often than not involve fire and flavour.
Get in touch!


text: DO you guys have any bad/good experience with their medallion series. They say it's worth it and less upgrades are necessary. Any reviews? All I've read is a review from a U.S. gun magazine and rated it pretty muck ok. The reviewer said that this gun is for competition with a 3.5 lb. trigger. Siyempre, I want to know the opinions of fellow pinoys.


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A little bird tells us that some exciting "X-Files-like" events are unfolding in Murchison. The Murchison meteorite is about to become famous once again.
It's arrival is approaching the 50 year mark and for that anniversary there is talk of NASA scientists revisiting Murchison to do further testing.
These days NASA has much more sophisticated instruments and its figured that more accurate and interesting science can be gleaned from the space rock.
JustClik has discovered the renewed interest in the meteorite is because it is such a pristine example of space debris and the fact that it is older than our sun, making it a key to some of the most unfathomable questions about life in our universe.
A former NASA scientist told us that if guys from the JPL (Jet Propulsion Laboritories) do visit Murchison, they would be drawn fron NASA proper or from its satellite research station, in Canberra.


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Call (518) 399-6508 to get this deal
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A few weeks ago, the second generation BMW X3 made its official market debut but already, it has been named the "Off-Roader of the Year" by the readers of the German Off Road magazine. Its predecessor had actually received the same award in 2006 and in 2007.
The BMW X6 Sports Activity Coupe was runner-up in the Crossover category while the new BMW X5 ranked third among the Luxury Off-Roaders. What these rewards prove is how much German customers like the BMW X models. In 1999, the first-generation of first generation X5 was launched. It was with this vehicle that the company entered the Sports Activity Vehicle segment.
The launch of both the first BMW X3 and the BMW xDrive intelligent all-wheel-drive system came shortly afterwards. This system offered electronically controlled drive distribution, which made for improved traction and stability on slippery surfaces as well as offered superior dynamics on the road, creating a unique rendition of hallmark BMW driving performance.
In spring 2011, the engine portfolio consisted of two petrol and two diesel engines that delivered from 184 hp to 306 hp. Depending on the engine choice, the new X3 was offered with an eight-speed automatic transmission either as standard or as an optional extra. All-new suspension technology offers improvements to agility and ride comfort compared with the predecessor. The magazine started the poll for the "Off-Roader of the Year" in 1982.
Ruggedness, agility, and elegance --- these are the words that best describe the design of the latest BMW X3. The bold presence of the BMW X3 is a result of the large headlight assembly and the forward-slanting BMW kidney grille that is combined with the front apron and the hood that has six contour lines which narrows down and converges at the kidney grill. Its round fog lamps meanwhile combine with the twin round headlights to give it a triangular light pattern, another feature of the BMW SAV design.
Highlighted with a chrome trim, the upper edge of its headlight assembly shows a design that is standard on many BMW models. The brand's signature "Corona Rings" have once again been illuminated in order to serve as daytime running lights.
When the optional Xenon headlights are fitted in, the daytime running lights and the Corona Rings are brightened with white LEDs. Meanwhile the BMW X3's profile has a feature that can be described as a rather unique interpretation of the standard design features of the BMW X.
As a BMW Sports Activity Vehicle, it has a robust character which is emphasized further by the short overhangs of the front and rear and the flared wheel arches. Helping highlight the profile's dynamic appearance are the three characteristic lines. The BMW X3 has the expected upper contour which starts at the level of the door handle and then goes up at first to the front wheel arch area and then flows slowly to its rear.
There are also two extra lines that trail these contour lines just above its wheel arches. The rear also features horizontal lines which further underline its robust character. As a result of using expressively modeled surfaces and the precise lines, there is a light and shadow effect. While the taillights have been positioned farther outside, it continues to have the T-shape typical of the BMW X3. The LED lights bars on the other hand result in a unique BMW night-time design signature.
In terms of dimension, the new X3 is taller by 0.5 inch (12 mm) compared to the previous model. It is also longer by 3.36 inches (83 mm) and wider by 1.1 inches (28 mm). The new X3 even has a ground clearance taller by 0.5 inch (12 mm). The wheelbase measures 110.6 inches (2,810 mm), longer by 0.6 inch (15 mm) versus its predecessor. In terms of its interior, the X3 has a premium and modern feel with an intelligent functionality.
This is due to the use of high-grade materials, having a versatile spatial concept, and utilizing a three-dimensional surface design. Even the horizontal lines of its panel help highlight the width of its interior. Again as expected from the BMW, the cockpit has been designed to be driver-oriented and is underscored by the center console that is asymmetrically designed.
When the optional navigation system is installed, along with the fourth generation BMW iDrive, its Central Display is integrated seamlessly to the instrument panel. It has a high-resolution 8.8-inch trans-reflective screen, considered as the largest on-board monitor for its class. All throughout the interior, there are a number of cup holders, trays, and storage compartments.


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Fillings & Crowns
Cavities Don't Have to Mean Losing a Great-Looking Smile
Dr. Clinton Callahan hasn't placed a silver-mercury amalgam for years. Not because of toxicity concerns, but because modern dental restoration material is so aesthetically pleasing. They make it possible for fillings to look completely natural. As a bonus, the white bonded fillings can adhere better to the teeth, making future decay less of a risk.
In the Case of a Crown
For some of our Colorado Springs patients, extensive decay can require something a little bigger than a filling. For molars, we usually place durable, strong, economical stainless steel crowns. For teeth that are more visible, we can create tooth-colored crowns that are hard to distinguish from natural teeth.


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Premier Inn London Stansted Airport
Thremhall Avenue, Stansted Airport, Stansted Mountfitchet, CM24 1PY, United Kingdom –
|Room type
Single Room
Single Room - Disability Access
Twin Room
Double Room - Disability Access
Double Room
Double or Twin Room
Max adults: 2
Max children: 2 (up to 16 years of age)
Family Room (2 Adults + 2 Children)
Max adults: 2
Max children: 1 (up to 16 years of age)
Triple Room (2 Adults + 1 Child)
Max adults: 2
Max children: 2 (up to 16 years of age)
Quadruple Room (2 Adults + 2 Children)
Max adults: 2
Max children: 1 (up to 16 years of age)
Family Room (2 Adults + 1 Child)
Double Room with Two Double Beds
Twin Room - Disability Access
4 reasons to choose Premier Inn London Stansted Airport
Why book with us
Prices you can't beat!
Manage your bookings online
Booking is safe
About Premier Inn: Here at Premier Inn, we want you to love staying with us. We want to make sure you have the best night's sleep possible. So if there's anything we can do, just have a chat with one of our friendly team members. We're on stand-by 24/7 and are always more than happy to help. It's all part of our award-winning service. With over 700 hotels in the UK we're the largest hotel chain in the country. With hotels in city centres, near airports, by popular attractions and in smaller towns for a rural retreat, you're never more than a 20-minute drive from us. And we're opening more and more hotels every week. Rooms: Our luxury king-size Hypnos bed is the stuff of dreams – and it's now in every one of our hotels. Drift off on an ultra-comfy, pillow-top, pocket-spring mattress, topped with a toasty duvet and your choice of firm and soft pillows. All of our rooms also include a powerful shower and personal bathroom, Freeview TV with 80 channels, a work desk and chair, tea and coffee making facilities, blackout curtains and free WIFI for the duration of your stay.
Property surroundings –
Closest landmarks
- Hatfield Forest 0.8 miles
- Stansted Airport Railway Station 1 miles
- The Arthur Findlay College Of Psychic Science 2 miles
- Birchanger Green Services M11 2.3 miles
- Stansted Mountfitchet Castle 2.7 miles
- Stansted Mountfitchet Station 2.7 miles
- Bishop's Stortford Golf Club 2.8 miles
- Herts and Essex Community Hospital 3.2 miles
- Bishop's Stortford College 4.2 miles
- Ash Valley Golf Club 6.7 miles
Most popular landmarks
- Audley End House 10.1 miles
Restaurants and markets
- McDonald\'s Restaurant 0.1 miles
Natural beauty
- Hatfield Forest Lake Lake 0.1 miles
Closest airports
- London Stansted Airport 1.1 miles
- London Luton Airport 26.6 miles
- London City Airport 27.1 miles
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Cuisine: British, International
Facilities of Premier Inn London Stansted Airport Great facilities! Review score, 8.3
Most popular facilities
Pets are not allowed.
Food & Drink
- Bar
- Restaurant
Free! WiFi is available in all areas and is free of charge.
Private parking is possible on site (reservation is not possible) and costs GBP 8 per day.
- 24-hour front desk
- Air conditioning
- Non-smoking throughout
- Heating
- Lift
- Family rooms
- Non-smoking rooms
- Newspapers
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From 14:00 hours
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Cancellation and prepayment policies vary according to room type. Please enter the dates of your stay and check the conditions of your required room.
Children and extra beds
All children are welcome.
Up to two children under 16 years stay free of charge when using existing beds.
There is no capacity for extra beds in the room.
Pets are not allowed.
When booking more than 10 rooms, different policies and additional supplements may apply.
Premier Inn London Stansted Airport accepts these cards and reserves the right to temporarily hold an amount prior to arrival.
Kindly note that parking is only available for the duration of a guests stay only, long term parking is not available.
Guests are required to show a photo identification and credit card upon check-in. Please note that all Special Requests are subject to availability and additional charges may apply.


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I start in one corner and concentrate on that small area only. If I have to take something to the garbage or another room, as I am leaving the room I try to find something in the rest of the room with the same destination and take it with me.
I wipe down furniture that needs it and do a rough vacuum in that area. I don't finish the dusting or vacuuming until I am finished with the entire room.
When I am finished the area I have designated for cleaning, I reward myself with coffee, time on the computer, time with my pets, whatever I want.
Then I move on to the next similar-size area in the job. Before I know it, it's all done because I have attacked the job in many small bites rather than one huge bite that would probably choke me.
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I usually cheat and I hire someone else to do it.
But if I can't do that, I either:
a) Procrastinate until I can afford to hire it out.
b) Procrastinate until someone takes pity on me
c) Sub divide the job into slightly less overwhelming tasks.
If I choose c, I usually start by sitting down and saying "grace" over the job, thanking God for whatever benefit I got out of whatever "one thing" I am going to clean up. I repeat the process (including procrastinating) until it gets to the point where I can afford to hire it out or someone takes pitty on me or I get it done.
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Here is what I have done (several times because I can be a terrible hoarder!) Start by deciding how much you need to accomplish in one day. Maybe you want to do one room or half of the basement or all of the attic, whatever. Be realistic that you can do it in the time you have allowed for the job. OK! Now cut that job in half! Decide that you will only work until you have at least half of the room done, or one quarter of the basement or half of the attic, whatever. Put on some music that you like to dance to...and get started. Keep the music pumping and it will give you energy to keep at it. Soon you will realize that you're done the first part you decided to do but now don't want to stop because you're on a roll and the music is so good you're not ready to turn it off!!
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We're still laughing! Larry David impersonated Bernie Sanders on the Oct. 17 episode of Saturday Night Live, and he absolutely killed it!
The Curb Your Enthusiasm star, 67, played the senator, 74, in the show's opening sketch, which parodied last week's Democratic presidential candidates.
"We're doomed!" joked David as Sanders. "We need a revolution!"
He also took jabs at Democratic front-runner Hillary Clinton, played by the NBC show's Kate McKinnon, regarding her email controversy.
"Hey, what's the deal with emails anyway?" David as Sanders asked. "I forgot my password the other day, so they say 'we'll email you a new one.' But I can't get into my email to get the password!"
The comedian closed the segment by proclaiming, "Coming next November I will be… Hillary Clinton's vice president."
Saturday's episode also marked the return of Tracy Morgan, more than a year after the much-loved comedian survived a fatal car crash.
Watch David as Sanders in the funny sketch above!
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Over 1.8 million nonprofits and charities for donors, volunteers and funders
Causes: General Hospitals, Health
Mission: The mission of frederick memorial hospital, inc. Is to contributeto the health and well-being of area residents by providing qualityhealth care in a caring, cost efficient, safe and convenient mannerthrough a coordinated program of prevention, diagnosis and treatment, rehabilitation, and support.
Programs: Inpatient medical/surgical in fy2014, frederick memorial hospital's inpatient medical-surgical departments provided quality, patient-centered care, regardless of ability to pay, to approximately 22,924 in patients and observation patients. Major medical and surgical services include cardiology, congestive heart failure, post-cardiac catheterization, center for chest pain, hemodialysis, peritoneal dialysis, neurology, neurosurgery, pulmonology, oncology, orthopedics, general medicine and surgical care. Inpatient care is supported by a team of board-certified physician hospitalists. The fmh joint works program with it's unitedhealth premium total joint replacement specialty center designation in recognition of quality care, serving approximately xxx patients in 2014. In addition, fmh is designated as a primary stroke center by the maryland institute of emergency medical service systems (miemss) and is recognized with the stroke center gold performance award by the american heart association. Our bariatric surgical program is gained accreditation by the american society for metabolic and bariatric surgery as a bariatric surgery center of excellence. In addition to the program services expense listed here, fmh incurred $42. 1 million of general and administrative expenses in meeting the health needs of our primary service area.
perioperative services frederick memorial hospital's perioperative services provided high quality care to 12,796 surgical and endoscopy patients in fiscal year 2014. Procedures were performed in our state of the art facility which includes a dedicated imaging room for vascular and other procedures. We have participated in the scip quality improvement project for continual improvements in care following evidence based medicine. We tracked our patient satisfaction through press ganey to benchmark our results to the national data base. In addition to the program services expense listed here, fmh incurred $42. 1 million of general and administrative expenses in meeting the health needs of our primary service area.
oncology fmh's oncology program provides integrated, multidisciplinary, patient centered cancer care for patients with malignancies, regardless of ability to pay. Services include medical oncology consultations, chemotherapy, radiation oncology consultations and treatment and surgical oncology consultations and treatment. We offer coordinated multidisciplinary clinics for patients with cancers of the lung, breast and prostate. Integrated palliative care and hospice services, both inpatient and outpatient are available for patients with advanced malignancies. Support services include nutrition, patient navigation and social work, as well as other forms of psychosocial support. For those with additional financial need, financial counselors and a patient assistance fund are available. The program treats approximately 800 newly diagnosed cancers per year and also has a community outreach program that includes education and screening. The program is accredited by the american college of surgeons commission on cancer. In addition to the program services expense listed here, fmh incurred $42. 1 million of general and administrative expenses in meeting the health needs of our primary service area.


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Between the media, advertisements, the news, coworkers, family, and friends we are constantly being exposed to other peoples opinions, viewpoints and 'facts'. Some of which, is not always the most empowering, loving, caring and inspirational stuff you'll ever hear. Some of it is downright fear mongering, dream stealing, potentially paralyzing, cynical negativity! Day in and day out, on constant replay. Well, what can we do to counteract that? What can we do to defend ourselves and our minds against that? How can we re-wire our brains to debate and confront some of this negativity that we are bombarded with? One way, is with daily affirmations. Here is a list I composed of some of my favorite ones. Let me know what you think!
They are in no particular order.
1. I believe that I have the strength to make my dreams come true.
2. I grow in strength with every forward step I take.
3. Thank you, thank you, thank you, thank you!
4. As my commitment to help others grows, so does my wealth.
5. I am meant to do great things.
6. I am the perfect partner for my perfect partner.
7. I honor the best parts of myself and share them with others.
8.I give myself permission to shine.
9. I don't have to be perfect; I just have to be me.
10. Peace comes when I let go of trying to control every tiny detail.
Special thanks to Yee Shun-Jian for creating these affirmations and sharing them with the public! Thank you!
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It's going to take more than solid earnings growth to lure investors into financial shares.
Undeterred by forecasts that project lenders growing third-quarter profits the most among S&P 500 Index industries, retail investors extended withdrawals from an exchange-traded fund tracking the group to the longest stretch of the bull market, while options traders have pushed the cost of protecting against declines in the fund to the highest level since April 2014, according to data compiled by Bloomberg.
Investors have grown pessimistic on financial stocks a day before JPMorgan Chase & Co. and Citigroup Inc. deliver their latest earnings reports. While analysts surveyed by Bloomberg expect the group to boost profits by 4 per cent in the third quarter, it's an uphill battle to lure investors to a sector tainted by recent upheavals at Deutsche Bank AG and Wells Fargo & Co. At the same time, uncertainty abounds amid bets that interest rates will rise only gradually, capping profit growth amid sluggish economic expansion.
Financial shares plunged the most since June Thursday before paring losses, as a rally in Treasuries sent bond yields lower after Chinese trade data rekindled angst over the strength of the global economy. Banks lost 1.5 percent at 1:50 p.m. in New York, leading the S&P 500 lower by 0.4 per cent to 2,129.74. The gauge trimmed declines that reached 1.1 per cent as utilities and airlines rallied.
"Maybe investors have finally caught on that analysts are too optimistic," Brian Frank, portfolio manager at Key Biscayne, Fla.-based Frank Capital Partners LLC, said by phone. "Another risk is a systemic-type risk -- the ouster of Wells Fargo's CEO, Deutsche Bank today coming out with a hiring freeze. I don't think it's over for the too-big-to-fail banks, and that's causing some hedging."
Banks have been unloved for most of the year, with the S&P 500 financial index down almost 1 percent in 2016 compared with a 4 percent gain for the broader index. Deutsche Bank rattled the global sector last month after U.S. authorities sought a fine of up to $14 billion for crisis-era problems. Wells Fargo, which also reports results Friday, added to the mistrust when it was accused of creating fake accounts that led to Chief Executive Officer John Stumpf's departure.
Investors have taken note, pulling $6-billion from banking ETFs so far this year, more than from any other industry. The SPDR Financial Select Sector ETF, or XLF, has seen three straight quarters of withdrawals, the longest stretch since the bull market began, data compiled by Bloomberg show.
Options protecting against a 10-per-cent drop in the XLF cost 9.5 points more than calls betting on a 10-per-cent rise on Sept. 30, according to six-month data compiled by Bloomberg. That marked the highest spread since April 2014. The spread was 6.8 points on Wednesday, still 11 per cent above the measure's two-year average.
Earnings season started with a thud this week, with the S&P 500 tumbling 1.2 per cent Tuesday after Alcoa Inc. missed estimates and companies from Illumina Inc. to Seagate Technology Plc reported or warned of disappointing results. JPMorgan is one of the few big banks expected to report earnings growth in the July-to-September period. Citigroup and Wells Fargo will see profits fall by 12 per cent and 4.2 per cent, respectively, according to analyst estimates.
Banks weren't alone in Thursday's sell-off, as miners tumbled to the lowest since early July after data showed Chinese imports fell more than forecast. Power companies were the only group to advance as investors sought out safety. The Dow Jones Industrial Average lost 78 points, or 0.4 percent, to 18,066.20, paring an earlier slide by more than half.
"China's trade data below estimates is an overhang in the market, and from Europe, we're hearing about a hard Brexit that's making markets more jittery," said Jeff Zipper, managing director of investments for The Private Client Reserve of U.S. Bank. "We also had yesterday's Fed minutes showing a strong chance we move in December, and the market is concerned about earnings season as well. It's all of these things hitting at once."
Bets that the Fed will hike by December have increased, while a bitter U.S. presidential campaign that's entering its final weeks is also keeping investors on edge. Traders are pricing in a 66-per-cent chance the Fed will raise rates in December, though Fed officials remain steadfast in their intention to tighten policy only gradually.
A report today showed filings for unemployment benefits were at a four-decade low over the past two weeks. Upcoming economic data will give investors more indications about the potential rate path, including figures on retail sales, consumer sentiment and producer prices due on Friday.
"It's going to take some pretty lousy data to persuade the Fed to not raise rates," said Art Hogan, chief market strategist and director of research for Wunderlich Securities. "When you have the doves like Rosengren from Boston clearly turning hawkish, there's been a pivot here. The Fed's letting us know that December is something they have to be talked out of, not into."
The CBOE Volatility Index climbed for a third day on Thursday for the first time in six weeks. The measure of market turbulence known as the VIX rose 5.8 per cent to 16.83, poised for a one-month high, after posting its lowest quarterly average in two years.


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20. Do you send anyone on short-term, six-month,
gap year type projects?
(Mr Lowcock) We do not do that directly through the
Department. We do indirectly through finance we provide to non-governmental
organisations. More of the Department's budget is given to non-governmental
organisations than to the World Bank, including obviously to VSO,
and to others as well. Many of those organisations have arrangements
of that sort, offering posts on an ad hoc basis. Very occasionally
in some of our overseas offices British people waiting to go to
university will come and help out in the office for a period of
a few months but we do not do that in a systematic way.
(Mr Chakrabarti) One exception to that is a fast stream
scheme which we have where we do send some young people for a
year sometimes just to help out. That is the APOS scheme as we
call it.
21. That is just within your own Department
as experience for them, is it?
(Mr Chakrabarti) That is right. It is a young professionals'
scheme. They may or may not stay with the Department. They may
go into other departments or organisations, so we regard this
as of wider benefit.
22. One of the reasons I am interested in this
is that it always seems to me that people tend to get a whole
lot more out of their university courses if they have had some
time abroad and therefore there may be some advantages to this
country, quite apart from the advantages which hopefully you are
going to get for the countries that the people are sent to, if
we do put some of our aid into this. As well as that it seems
to me that there is a case for saying that that sort of aid is
actually relatively easy to monitor. If you are having difficulty
working out how much good you are doing in some of the other aid
you are providing, with that sort of aid you just have to know
how many people there are and how long they are there for and
whether it has worked or not.
(Mr Chakrabarti) I do not deny that. You have described
essentially a major conundrum in the whole development aid effort.
We can of course at project or individual level monitor what they
are doing much more easily than we can at country level, but we
have a paradox, that we have had many very successful projects
over the years and yet in those same countries poverty reduction
has not progressed at the same rate, so one begins to ask whether
we are really operating at the right levels with this, which is
why we have made this shift in those countries that really do
have these poverty reduction strategies to a much more budget
support type of aid where you will see those technical assistance
inputs but as part of a whole, I think, rather than separately.
23. Do you think there is a significant difference
in your ability to deliver aid and to deliver aid successfully
in terms of the extent to which the people of this country will
support it? I am concerned that one of the difficulties about
your whole Department is that it tends to be of not much interest
to most of the people in the country. We do not see a huge number
of press people here this afternoon, unfortunately, and because
maybe it is to some extent unpopularyou know, charity begins
at home, the sort of thing that is said to any MP on the doorstep
all too often: why should we give aid to anybody?it may
be that one of the advantages you could get from some of the sorts
of programmes that I have been talking about is an increase in
support for the whole aid effort which in turn might enable you
to deliver it better.
(Mr Chakrabarti) I do not deny that schemes like the
ODI Fellowship, which I myself and no doubt others have doneindeed,
the new Cabinet Secretary is an ODI Fellowdo help in terms
of building support generally for the Department. I do not think
that development assistance is that unpopular in this country
compared with, say, a few years ago. Firstly, we have shown that
it can be quite effective and, secondly, when we go round schools
or we do these road shows, it is amazing the number of people
who are much more interested than their predecessors would have
been in what we are doing. The status of the Department, the clarity
of our objective now, which is focused much more on poverty reduction
than trying to have other objectives, commercial or political,
has really helped that. It has made it much more attractive. We
still remain the number one department for fast-streamers entering
the Civil Service, and that has been the case for many years.
24. Do you think that that increase in support
for aid is partly because of people who have gone abroad and who
have come back? I know that you are supporting the Link Africa
organisation which sends primary school teachers to Africa and
they come back and that helps some of the civilisation programmes
that are now going on in our schools, primary schools particularly.
(Mr Chakrabarti) I am absolutely sure that is part
of the reason. I think more and more people are going not just
through programmes like that but just even on holiday to many
of the poorer countries and seeing for themselves what is happening.
This is not just happening here. I went to Japan recently and
it is quite interesting seeing the back-packing generation. Their
attitude towards developing countries is quite different from
that of their parents. They are much more interested, much more
willing to engage than their parents ever would have been. I think
the same thing is happening here but on a much greater scale because
of our historical links with many of these countries.
25. I thought for a moment you were going to
offer me help with my holiday abroad on your aid programme.
(Mr Chakrabarti) The Department has not gone that
far yet.
26. You were talking to the Chairman just now
on some questions about governance. This also ties in to this
question about support in this country for the whole aid programme.
One of the things that has traditionally made people unhappy about
aid is when they see it apparently being wasted, being spent on
dictators' palaces or whatever. Do you accept that that is a very
important reason why you need to look at governance and make sure
that such things are not going on?
(Mr Chakrabarti) Absolutely.
27. If so, what do you do when there are sudden
changes of government?
(Mr Chakrabarti) Here or abroad?
28. We tend not to have very sudden changes
of government in this country. Perhaps that is yet to come. I
was thinking more of the developing countries.
(Mr Chakrabarti) I think the first thing is to find
out what are the policies of the new government in one of these
countries, whether they are sufficiently pro-poor for us to be
supporting them and, if they are not, should we be supporting
their poor people in some other way which is through non-government
channels. We have a mix of these. Zimbabwe is a very interesting
case for us right now. Here we have a government which clearly
has policies which are not helping the poor of that country, but
should we walk away? Our Government has taken the decision not
to walk away but we will not put money through government channels
in that country. We will help to provide services, HIV/AIDS testing,
feeding the poor, but not through the government.
29. If you take the number of countries you
are providing aid for at the present, what per cent of the aid
are you giving to them through the government channel, or are
you just not giving any government aid?
(Mr Lowcock) We are giving very small amounts of aid
to quite a lot of countries. Many or most of them are not getting
any direct government to government assistance. It will be through
non-governmental organisations, but in terms of our departmental
budget a much higher proportion of the money will be going through
government to government systems.
30. Another form of aid which is often very
important in terms of those countries is what they do about energy.
Energy is so important. When I was in Africa myself as a young
man I was very aware of two things. First, the one thing that
Africa has plenty of is sun and, secondly, there is quite a lot
of growth of grass and so on which is just burnt off year by year,
which had the potential, it seemed to me, for some sort of biomass
energy source. To what extent are you involved in research into
either of those two?
(Mr Lowcock) We do have some research projects addressing
those issues. I am afraid I cannot cite examples now. We will
be happy to give you a note if that would be helpful. We also
contribute to multilateral organisations which have a strong focus
on that. For example, there is an arm of the World Bank, the Global
Environment Facility, one of whose jobs it is to reduce climate
change, for which a big issue is non-carbon based energy sources,
including solar, in the tropics in particular. They have quite
big programmes on that.[1]
31. One of the reasons I am interested in this,
in the same way that I was interested in terms of the people,
is that it is, I would have thought, a comparatively easy form
of aid to monitor. You can put in the research and you can see
that products are being produced which are of use to some of these
countries and you can monitor exactly how much of that is being
done and how many new sources of energy are being put into those
countries, and that might again be an easier way of persuading
people that it is really worthwhile aid than some of this rather
more nebulous aid.
(Mr Chakrabarti) I can see where you are coming from.
My preference would be, and the Department's preference would
be, to work much more with a British company, for example, like
BP or Shell, who are in many of these countries, to try to get
them to see that there is some commercial advantage in going down
the route you just suggested. We do that. We ought probably to
do more of that than we do currently. There is an interesting
study by the Performance and Innovation Unit which suggests that
more help in renewable energy area would be very useful. I suspect
this is going to be quite a big issue at the World Summit in Johannesburg
in September.
32. Mr Lowcock was talking just now about small
amounts of aid going to quite a large number of countries. Is
that a little bit dangerous in that we are dissipating our efforts
too much and it would make more sense perhaps to try to concentrate
it, particularly if lots of different countries in the EU and
elsewhere are all giving small amounts of money to one country,
which seems to be a rather stupid way of going about it?
(Mr Chakrabarti) I think the general point is right.
Mark might want to comment on the detail but we are trying to
shift. One of the targets is of course the shift to concentrating
much more on a smaller number of countries where we could have
a real impact. I have come back into the Department after six
years away and I notice that we have pulled out of the Pacific
pretty much because these were very small aid programmes with
very high administrative costs. The Japanese and Australians and
New Zealanders already had very large programmes in the area,
so we were not adding a great deal of value in comparison.
(Mr Lowcock) The distinction I would make is between
the countries where we are providing government to government
assistance, if you like, where we are doing exactly what Mr Chakrabarti
has described, where we are reducing the number of those countries
on the one hand, and on the other hand where money which originates
in the Department is spent in a wider group of countries because,
for example, an NGO, a charity in this country, comes to us with
a project and they win competitively funds for that, which can
be in any country. We do not think it is a good idea to have a
system which essentially bars organisations, charities in this
country, from funding in countries just because we are not running
major programmes there.
33. I assume I can take it as read that if you
are thinking of pulling out of a country or of giving a smaller
amount to that country you do make sure first of all that not
everybody else is going to do exactly the same thing next year?
(Mr Lowcock) Yes.
34. I did find this report slightly indigestible,
so it may be that I have missed some points and no doubt you will
help me if I start to ask questions which are answered somewhere
and I did not quite understand. I am troubled by what I understood,
which you would probably say was very little, in the sense that
we have a lot of PSAs which are outfits over which we have little
control, it seems to me. In some cases we are taking averages
of countries which are changing year by year and therefore the
amount of control we have is even less and in most cases no doubt
there is a range of agencies which are contributing to the achievement
and non-achievement of the targets. I am going to try to probe
that in a second or two but, first of all, there is one thing
over which you do have control and I do not find much reference
to it in here, and that is the ratio of administration to direct
assistance. Could you first tell us how much the Department spends
and what ratio of that goes on administration and what goes on
direct aid; perhaps the figures as well as the percentages?
(Mr Lowcock) The departmental budget for the current
financial year is £3.5 billion, of which £75 million,
about 2.5 per cent, is for administration costs.
35. And the rest is in direct grants to third
countries, is it?
(Mr Lowcock) It is in a mixture of things: grants
to institutions. As Mr Chakrabarti was saying earlier, almost
half the budget goes to other institutions like the World Bank,
some of it goes to charities, and then a large proportion goes
direct to countries. Some of it goes to, for example, to research
organisations which are researching poverty in developing countries.
36. I am going to ask you in a second what you
think these PSAs cost in charges because it seems to me that this
is an expensive process to produce well, garbage in and
garbage out comes to mind. If we get time I will go on to that,
but just sticking with administration for a second or two, again
it is striking that there is no reference that I can see to the
separation of administrative costs of the recipient organisations
relative to the amount of cost which is going to allay poverty.
I wonder why not.
(Mr Chakrabarti) On the administrative costs point,
what we have learned is that the way we provided aid in the past,
project aid in essence, was extremely costly in administrative
terms, not just for us but also for the countries who were receiving
this. What we have tried to do is move much more to budget support,
as I said earlier, where the transaction costs for us and for
them are lower. That is a major benefit if we can pull it off
for both of us, and so the ratio of administrative costs to programme
has pretty much stayed stable over the years; it has not risen
very much at all.
37. I am interested in admin because my experience
of representing a fairly poor constituency is that the more money
the Government pumps in the more well paid white collar staff
and officials we have rather than making a difference to poverty.
I am sure that experience is not simply the case in Hemsworth;
it is increasingly so in the Third World. I am not sure I am understanding
why matters which are under our direct control, which surely must
be administrative and overhead costs, are not subject to PSAs
rather than some of these nebulous things which frankly we cannot
measure and we are frequently failing on delivering in any event.
Has it not occurred to you that admin costs ought to be the subject
of probably your first PSA really? The most important thing is
to stop white collar staff getting more money and increasing numbers
of white collar staff and that the money gets to the people living
in poverty, is it not?
(Mr Lowcock) Clearly the size of the administration
costs budget is a key issue for us and we are subject to separate
control by Parliament and by the Treasury on that in addition
to the control that we are subject to on the programme. It is
a key internal management discipline for us. In recent years the
administration costs as a proportion of the total budget of the
Department have not increased substantially.
38. I do not want to interrupt you but I am
thinking both of your £75 million plus the no doubt large
amounts of money which are going to administration of the recipient
organisations. I think you were referring to the former and the
latter, were you not, in your answer?
(Mr Lowcock) Yes.
39. Has it not occurred to you to try to enter
into some sort of relationship with the recipient bodies, and
how is that monitored?
(Mr Chakrabarti) We do that. In terms of, say, the
charities, the NGOs, with some of the larger ones we have these
partnership agreements, so we do not have the detailed checking
that we would have had a number of years ago and that has reduced
the administrative burden both for them and for us. We are essentially
certifying their systems as good enough for them to take on this
aid from us. Similarly, as I said earlier, in the multilateral
institutions again we are providing money directly to them. It
is not adding to their overhead costs. They do not have to do
something extra for that money. We are saying that these institutions
are good enough to use that money, particularly the World Bank,
as I said earlier. In developing countries themselves, as we move
away from projects to more budget support, it may be nebulous,
it may seem that way, but it does reduce transaction costs on
both sides.


text:
Had a little run in with farm equipment on the road yesterday. A blade from a huge disc hit my driver's side mirror and knocked it out.
No further damage and no injuries. A few more inches though and it would have taken me and my car out. Ain't God good?


text: So I have made a few posts here and my wife is aware I want to be cuckholded and after dropping allot of hints she got the chance after taking a new job. Its in a kitchen and full of black guys. She was nervous being one of the only girls there but gave it atrial and liked it. We began to rp allot with me planting the seed of my wife enjoying herself with her co workers. She had never had black cock up until about 2 - 3 months ago. I told her basically the thought of her letting me catch her or slowly become aware she was getting hooked on black cock would really turn me on. Since I have found corespondence and a steady flow of pictures. Most of them are with my wife and her boss. Seems he has taken a special interest in her hes 45 and well hung at 9 inches and very thick. My wife is very willing to please and strikingly beautiful in a very natural way. She is chinese with pale porcelain skin and very modest about herself. I think I am very lucky because she is very shy and reluctant to try this intially for fear of my looking at her in shame after. I dont find shame in it she is amazing and led a sheltered life we have talked and our rp sessions get so hot I have always known she has wanted the chance to let go. We are both young enough and I dont want to have any regrets in life. I was prepare to put this aside for her sake but through a series of events over a long period of time it came into play. Our sex life has never been better and up until this weekend even though I knew her boss was sending her home late and filled she hadnt actually told me she had finally decided to take this step. I let it build and so did she and it made an amazing sex life even more complete. She blows my mind and even though I know her sex with him is very good ours is also wonderful as a result. So it finally overflowed when my wife came home very late saturday and slipped into bed. I felt her body and felt her in an open cut babydoll top with matching thong on both of which I did not buy for her. I smiled and said where did you get it and she replied "daddy" blushing after. She saw my devious smile and pushed my head down telling me I know what you want. I got down and noticed his extra thick creamy load deposited in my wife. Her pussylips were very swollen mening she rally enjoyed it. As she fed me his load she pulled her phone out and showed me pictures of everything leading up to it. The ones I loved most were of my wife on all fours her perfect tight chinese ass bare with him over the top of her hotdogging her ass with his huge black cock and groping her. It looked so fucking horny especially considering hes 19 years older than her but in respectable shape for his age. The night just got hotter and hotter as my wife finally told me all the nasty things he likes to do with her. He is aware that I know or have ideas and am okay with the idea and knows I would like my wife to get some training from him. I want him to break her into the lifestyle cause with him being older and my wife so young and tight I am guessing his interest wont stray too far. I don't mind the thought of her taking him on as a long term lover hes successful and well kept I would rather roll those odds than some others if this is the path we have chosen as a couple. My wife told me he was recieving an award locally at a dinner and asked if I would mind if she went as his date. My wife explained that his brother would be there also and hes around the same age. She asked if she can go back home with them after the evening. She said before you say anything he has already said that we should set up a camera. He is also liking the buildup and thought of sending me one horny ass tape of my wife being black roasted and seeded. Apparently big cocks must run in the family because his brother is suppose to be hung like a horse as well. My wife said she wants to but only if I am okay with it. Its the first time she has actually spent the night out but with the buildup at her work and how horny it was I can't see this doing anymore harm. I am also really looking forward to seeing a video or what he and his brother can bring to the table . I havent told my wife but I know she likes it rough I really do hope they train her up good. Him being older and her so young I can already see in the pics she drives him wild. Kinda hoping for more date and movie nights after this one ... Pretty happy with this and not looking back so far


text:
Serves only the best fish.
***This is not an all you an eat americanized sushi bar serving cheap old fish covered in hot sauce***
This is real sushi amazingly fresh, served ...
All reviews seem positive
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text:
Funeral of murdered nun
More than 2,000 people attended the funeral of an elderly Irish nun who was killed in an attack at the Cathedral of the Immaculate Conception in Castries, capital of Santa Lucia on New Year's Eve. Sr Theresa Egan, 73, was beaten to death after she tried to escape attackers who had burst in to the church, lashing out at worshippers with machetes and setting them on fire. Another person died in hospital after the attack - at least 12 were injured. The funeral Mass took place in the same Cathedral where Sr Theresa died. A burnt Bible still lies on the floor. At the front of the basilica, candles were arranged to spell out the words 'sister' and 'peace'. Sr Theresa was then buried on a hillside overlooking the capital, Castries, where the attack occurred. Two men have been formally charged with murder and attempted murder among other offences. Sister Egan had lived in St Lucia for more than four decades, serving as a teacher and administrator at several Catholic schools. "It was a martyr's death," said Sister Paula Andrews who lived in the same convent.


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text:
A1 Body Shop and RV Repair
Review for A1 Body Shop and RV Repair
Frank M. on 06/06/2015
Frank said there was a gentleman there that helped him on his last visit. He did a great job.
Category: Collision
Service Date: 05/19/2015
Review Created: 06/06/2015
This review was collected via phone interview by Customer Research Inc.


text:
Strangers by Harry Harrison
There was I on the rusty deck of the Maria Bella heading off home. Depressing. The summer was over. Europe was saying an indifferent goodbye. I spat into the ocean and turned my back on Europe.
Africa was waiting on the other side of the strait, just hazy green hills from here. Yet it was a continent, with jungles, deserts, exotic cities, elephants, cannibals …
I was saying good-bye to Africa too — without ever even seeing it. Andy Davis: ex-student, ex-painter. Back to the country which would grab me the second my foot touched the shore. The Army. The job. Responsibilities. I could see it all and I was deeply depressed.
A group of bagged men appeared on the deck. A new passenger? I moved over for a better view. My only fellow passenger was an old French priest with red eyes and not a word of English. Captain Sebastiano spoke a kind of English, but we didn't understand each other well. So another passenger would really help since I didn't want to talk to myself.
More »


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It seems that traditional British food either excites people (Anyone for Mr. Kipling Cherry Bakewell Tarts?) or bewilders people (Batchelors Mushy Peas… I don't get it!), depending on which side of the pond you're from! Being a Canadian with very little British influence, I had never been one to pop into a British import shop "just because," and it wasn't until I visited Dickens Sweets that I realized what us non-British folk were missing out on!
Named after the famous writer, Charles Dickens, Anne and Fred Hails first opened the doors of Dickens in September 2000 as a bit of a hobby project. Needing something to keep her busy, Anne decided a sweet shop would be a lovely way to enjoy her love for British sweets and also share them with her community. She originally planned to sell imported sweets in the shop 3 days a week, but Anne and Fred soon found themselves bursting at the seams and needing more space. Within two months of opening shop, they were already expanding to accommodate imported grocery items, in addition to their huge selection of sweet goodies.
As Anne starting spending most of her time making sure the shop was running smoothly, Fred decided he needed a little project to keep him busy as well – and so their British Museum was born! What started out as a small personal collection of antiques and British memorabilia, has now grown to a full museum of over 10,000 square feet of showcases, exhibits and loaned private collections. Artifacts are thoughtfully organized into different rooms (like their Titanic Room) to allow for continuity, but definitely be prepared to be surprised and amazed as you make your way through the museum's nooks and crannies. With collections such as the Sir Winston Churchill & War Room and the largest collection of "Dinky" Toys in Western Canada, you really don't know what you might end up discovering! Not British? No worries! I loved wandering through the exhibits and learning a little something about the lifestyles of the British. There is so much to see; everyone will enjoy something on offer at Dickens.
Now that Anne and Fred are semi-retired, Anne's daughter Trudy has taken on the shop and it's obvious she has just as much passion and flair for it as her mother does. Even though Anne and Fred still stop by a few times a week (usually to add a few special items to the museum), Trudy attributes most of their success to the level of customer service that they have continued to provide over the years. Having a common bond with most of their customers, Anne and Trudy take great pride in creating a community feel within Dickens. It is fun to watch them talk to a non-British customer about all their favourite British foods. I found it very educational! Seriously – mushy peas…
If you're like me, you'll most likely feel a little out of place when you walk in the door and you might not know what to think when you try your first Jelly Baby, but do stay a while – you're in great hands. Think of it as a very cool learning experience and an opportunity to try a few new things…even if your adventurous side will only allow you a taste of authentic British chocolate! Don't be fooled by the Cadbury wrappers though – these chocolates are not the same as what you've been buying from the local corner store. Made without waxy preservatives, British chocolate is a creamier and smoother treat than we're used to. I encourage you to browse the shelves and see what neat British treats others are there for. I hear one of our FVP team members travels from Langley to Dickens just for their pickled onions and curried baked beans!
I must warn you, though, with so much to experience (they also have a loose left tea shop, as well as Mr. Pickwicks Pie Shop and Oliver's Tea Room), there's no way you can fit it all in one day. Now open Monday through Saturday from 10am – 4pm, there's never a dull moment at Dickens – especially now that the holiday season is upon us!
Be sure to stop by to visit their Christmas Village, which is now open (and free)!
To help celebrate their love of all things British, Trudy is gifting one of our readers a Taste of Britian High Tea Experience for Two in the Dickens Tea Room!
Please leave a comment on this post to be entered to win. Winner will be chosen at random on December 24, 2012!
Update: Congratulations to our winner, Marnie. Enjoy your high tea! This contest is now closed.
Dickens Sweets & British Museum
45945 Alexander Rd, Chilliwack
Ph: 604-793-1981


text:
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LIBRARY CONNECTION @ ADAMS SQUARE - Book Cover Puzzles
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