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Published in NYSBA Elder and Special Needs Law Journal | Winter 2017 | Vol. 27 | No. 1 17
Jack and Alice are married. Jack is 80 years old. He is sick, requires institutional care, and is about to enter a nursing home. (Jack is the "Institutionalized Spouse.") Alice is 75 years old. (Alice is the "Community Spouse.") Jack and Alice have a house, free and clear of mortgage and $750,000 worth of investable assets, generating de minimis annual income in the form of dividends (estimated at $4,000 a year). Each spouse also has their own separate IRA in payout status. The Institutional Spouse's required minimum distribution is $750 a month. The Community Spouse's required minimum distribution is $200 a month. The Institutional Spouse receives $2,000 a month from Social Security while the Community Spouse receives $510 a month from Social Security.
Jack and Alice come to you for Medicaid planning. You know that transfers between spouses are exempt.1 If Jack transfers all of his assets to Alice, Jack can thereafter apply and be eligible for Medicaid. You also know that the Community Spouse may execute a "Spousal Refusal" advising the Local Department of Social Services ("DSS") that the community spouse refuses to fulfill his/her obligations, as the legally responsible relative, to support the institutionalized spouse.2 DSS will provide the necessary medical assistance to the institutionalized spouse, notwithstanding the community spouse's refusal to contribute to the cost of the institutionalized spouse's care. However, the filing of the "spouse refusal" may create an implied contract with DSS, authorizing DSS to commence a claim for spousal contribution from the community spouse for the cost of care paid by DSS for the benefit of the institutionalized spouse.3 4 When initiating a claim for spousal contribution, DSS will look to the community spouse's income and/or resources in excess of applicable limits.
Current laws permit the Community Spouse to retain monthly income up to the amount of the minimum monthly maintenance needs allowance ("MMMNA"), and resources up to the amount of the community spouse resource allowance ("CSRA").5 The MMMNA6 and CSRA7 are exempt from recovery by DSS and are adjusted annually to account for increases in cost of living.8 Income and resources above the MMMNA and CSRA may be subject to a contribution claim from DSS. Currently, New York State limits its claims for spousal income contribution to twenty-five percent (25%) of the Community Spouse's income in excess of the MMMNA.9 (The amount sought for contribution may be reduced if the Community Spouse can demonstrate a need for an increased income allowance, and therefore an increase in the MMMNA.)10
You know that the Community Spouse can have a Federal CSRA of $119,220 (and an MMMNA of $2,980.50) in 2016.11 Thus, if Jack keeps $14,000 in his own name and transfers the balance to Alice, the first $119,220 in 2016 can be held free and clear of any contribution claims. Unlike the contribution claims for income, however, there is no limit on how much DSS can request for contribution of excess resources over and above the CSRA. Therefore, you are left wondering what can you do to protect your client's excess resources? Put another way, should you convert the excess resources into income so that you can mitigate the amount of money subject to contribution to just 25% of the income over the MMMNA?
You have heard suggestions regarding converting the excess resources over the CSRA into an income stream by using either a Promissory Note12 or Medicaid Compliant Annuity13 before fi ling the Medicaid application.14 The goal of this approach is to provide a snapshot that minimizes, if not completely eliminates, the excess resources. Instead, the result of the conversion of the excess resource into an income stream will be that the snapshot will show a higher income stream (which is exposed to a maximum contribution claim of 25%). Should you employ this technique, you wonder?
This tool may not always be the optimal approach for your clients. Therefore, before you engage this method, you should conduct a cost/benefit analysis and consider the following.
- Effect of the conversion on potential spousal impoverishment budgeting
When a community spouse earns less than the MMMNA, once Medicaid eligibility has been established for the institutional spouse, the community spouse can request spousal impoverishment budgeting wherein the institutional spouse's income is allocated to the community spouse such that the community spouse's income is brought up to the MMMNA.15 The amount of income allocated is referred to as the Community Spouse Monthly Income Allowance ("CSMIA").
In our example, Alice's total monthly income (from Social Security, dividends, and her IRA distribution) does not equal or exceed the 2016 MMMNA of $2,980.50. Therefore, after Jack is determined eligible for institutional Medicaid, Alice may request that a portion of Jack's income be allocated to Alice. (In this instance, Jack can have almost $2,000 allocated to herself from Jack's income). However, if Alice converts all of her excess resources (approximately $650,000) into an income stream, it is very likely that the additional income will push her total monthly income over the MMMNA, and she will no longer be eligible to receive a CSMIA from Jack's income. Instead, Jack's income may be paid to the nursing home. Furthermore, the DSS may bring a contribution claim, requesting a contribution of 25% of Alice's income in excess of the MMMNA.
It may make sense to ask yourself the following questions: Is the Community Spouse eligible for minimum monthly maintenance needs allowance ("MMMNA") from the Institutionalized Spouse? If so, will the creation of the promissory note completely eliminate the amount of the MMMNA? Will it reduce the amount of the MMMNA? Is the Community Spouse better off receiving the MMMNA from the Institutional Spouse and possibly using some of the MMMNA as a negotiation tactic with DSS?
- What is your client's risk tolerance?
A client who prefers certainty may find limiting potential liability to 25% of their income in excess of the MMMNA quite appealing. Indeed, risk-averse clients may prefer to have a calculation of their exact liability and may even want to make a voluntary contribution,16 rather than waiting for Medicaid to file the claim.
Clients who are more risk tolerant may want to take their chances. In our example, Alice, who will ultimately seek spousal budgeting, may be better off not converting her excess resources on the theory that DSS may see her relatively lower income and overlook her excess resources. Alice, if she is more risk tolerant, may choose to wait to see what, if any steps, DSS takes.
- What is the term of the note?
A non-qualified annuity or promissory note must be actuarially sound as determined in accordance with actuarial publications of the Office of the Chief Actuary of the Social Security Administration.17 The longer the term of the note, the lower the income. At the end of the day you are tying up your client's funds. The question is—for how long?
Factors to consider include:
- What are the actuarial life expectancies of the spouses?
- What are the realistic life expectancies of the spouses (based on the health/medical conditions of your specific clients)?18
For example, if the institutional spouse is terminal and has less than six months to live, perhaps the community spouse may not want to enter into an irrevocable agreement restricting access to resources for a period of time greater than six months. In situations such as these, it may be important to speak with the institutional spouse's care-team, as well as to check the actuarial life expectancy tables to understand the term of the note.
Reverting back to Jack and Alice, Alice's life expectancy (at age 75) is 12.76 while Jack's is 9.58. A note for the term of Alice's life expectancy would be "actuarially sound," but might result in income payments beyond Jack's life (and need for Medicaid benefits). Would Alice prefer to have her assets returned to her more quickly? Does the existence of the note and income stream create future problems for Alice's own future Medicaid eligibility and planning, or for her estate?
- How much of the community spouse's resources should be converted into an income stream?
Should the community spouse convert all of her excess resources into an income stream? Should she convert more than her excess? Or perhaps she should only convert some of the excess.
Consider your client's needs and wishes. Does the community spouse need access to large amounts of money in the near future, or can she meet all of her needs with an income stream? Consider both anticipated and unanticipated needs that might arise, including things like vacations, home improvements, education for grandchildren, and medical emergencies.
- Is there a correlation in your region between a lower "excess resource" amount and the chance that your local DSS will pursue a contribution claim?
Speak to your colleagues, the local DSS, and review any fair hearings. Perhaps there is a trend in Suffolk County such that Suffolk County pursues everything. Alternatively, perhaps there is a trend in Rockland County that DSS does not pursue anything.
If the chances of contribution pursuit are low, then it may not be worth converting.
- How much over the CSRA is the community spouse going to be?
(This question also ties into risk tolerance and knowledge of your local DSS.) If the community spouse will only be $50,000 over the CSRA, perhaps there is a significantly smaller likelihood that the DSS may request a contribution. If so, perhaps converting the excess resource into an income stream is not the ideal solution.
- What are the transaction costs involved in converting the excess resources into an income stream?
In addition to increased legal fees and possible accountant costs for allocating the income and interest earned on the income, do you have to pay for the creation of the note or the annuity?
- What types of investments are being exchanged/liquidated to get the fixed income?
Will the community spouse face capital gains taxes on the liquidation of the resources in order to convert it into an income stream? If so, are the taxes due larger or smaller than a possible contribution claim?
If the assets to be sold/liquidated are all stocks with a low basis, then it may not be worth converting. If the assets are just cash sitting in a bank account and the client is looking for something to do with the funds anyway, then this may be a different conversation to have.
In sum, although the concept of converting excess resources into an income stream is an excellent yet complex tool, it is important to consider the above factors prior to utilizing this tool as in some cases, this may not be the ideal tool to accomplish all of the client's goals.
- See New York Social Services Law ("NY SSL") §366.5(e)(4)(ii)(A).
- See NY SSL §366.3(a).
- The implied contract is only created if the spouse has sufficient income and resources at the time that Medicaid is provided. See No. 1 Commissioner of the Dep't of Soc. Servs. v. Spellman, 672 N.Y.S.2d 298 (1st Dept. 1998).
- See NY SSL §366.3(a).
- See Medicaid Reference Guide at p. 277.
- See NY SSL §366-c.2(h); 18 NYCRR 360-4.10(a)(8).
- See NY SSL §366-c.2(d); 18 NYCRR 360-4.10(a)(4)(ii).
- Commr. of the Dept. of Social Servs. of the City of N.Y. v Scola, 2011 NY Slip Op. 33019[U] [Sup Ct., NY County 2011].
- 18 NYCRR 360-4.10(b)(5).
- NY Social Services law 366-c.8(b) and NY Social Services Law 366-c.8(c); 18 NYCRR 360-4.10(b)(6) and 18 NYCRR 360-4.10(c)(7).
- NY Social Services Law 366.5(e)(3)(iii); 06 OMM/ADM-5, GIS 06 MA/016 and Medicaid Reference Guide Page 334 (updated June 2010).
- 18 NYCRR 366.5(e)(3)(i); see also 06 OMM/ADM-5, GIS 06 MA/016, and Medicaid Reference Guide pages 452-54 (updated January 2011).
- 1-7 Bender's New York Elder Law § 7.03(2) (2015).
- 18 NYCRR 360-4.10(b)(4); Medicaid Reference Guide page 276 (updated November 2007).
- Medicaid Reference Guide at 277 (November 2007).
- NY SSL 366.5(e)(3)(iii); 06 OMM/ADM-5, GIS 06 MA/016 and Medicaid Reference Guide, Page 334 (updated June 2010).
- The longer the term of the note, the lower the income. At the end of the day you are tying up your client's funds. The question is— for how long?
*Re-published here with the authors' permission.
ABOUT THE AUTHORS: Regina Kiperman is a Partner and Naomi Levin is an Associate with Grimaldi & Yeung, LLP. Regina focuses on Probate and Estate Administration, Estate Litigation, Elder Law (including guardianship and Medicaid planning), and Estate Planning. Naomi focuses on Elder Law, Estate Planning, and Guardianship.


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Welcome to the Mechanicsville Elementary Parent Teacher Organization (PTO)!
MISSION - The Mechanicsville PTO is committed to academic excellence and building a strong school community.
The Mechanicsville Elementary Parent Teacher Organization provides resources and activities to support the school's students, parents and staff.
2019-2020 PTO Officers:
Vice President: Nicole Rumaker
Secretary: Jennifer Mayes
Treasurer: Maria Mosher
Man at Large (tie breaker): Jessica Batz
We encourage the parents and families of our students to become members and volunteer in any way they can. Please also LIKE us on Facebook at MECHANICSVILLE ELEMENTARY PTO 2019-2020 for questions, updates and photos from throughout the school year!
Labels for Education and Box Tops:
Our school participates in the Labels for Education and the Box Tops for Education Program. Many of the products you purchase on a regular basis carry one of these labels.
Sign up at the Box Top and Labels for Education websites to receive emails on special bonus products and contests or to earn more box tops and labels. You may also shop online by using the BOXTOPS website/webpage titled Marketplace, where over 175 retailers give eBox Tops to our school when you shop online.
Shoparoo is an app that you can download for your Apple or Android device. Our school can raise money when you take a snapshot of your grocery receipt. You simply buy any item from any store, take a picture of your shopping receipt and Shoparoo donates to our school. It's that simple! Visit shoparoo for more information.

subset: commoncrawl


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Fees and scholarships
Funding and scholarships
We offer a broad range of scholarships, these include divisional scholarships and specific opportunities related to other funding. Sign up to our newsletter to receive updates.
You can search the University of Leeds directory to see all our current funding opportunities.
The directory is always changing as more opportunities become available so please keep checking back to stay up to date.
Tuition fees for our postgraduate research degrees are set independently and reviewed on an annual basis.
Students are required to pay tuition fees on all of our postgraduate research programmes. Payment of fees is required on an annual basis. The fees you will pay will depend on your nationality and which programme you would like to study.
Tuition fees are displayed on the University of Leeds research degrees fees page along with full terms and conditions.


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It is located approximately 28 kilometers away from Kemer (Antalya), in the west, within a 5-10 minute walk away from the famous Çıralı holiday village.
Olympos is an ancient Lycian city which is one of the most important resorts and ruins that should be seen in Antalya Kemer with its wonderful natural beauties, history, and beaches. It is an ancient city built on both sides of the Akçay stream and its foundation dates back to the Hellenistic period. Olympos is one of the biggest cities in the Lycian region and its name is taken from the Tahtalı Mountain at 2375 meters high just beside it.
Olympos is the common name of mountain peaks in Anatolia and the Aegean. In the 1st century BC, the city, along with Phaselis, was under the control of pirates and became impoverished due to pirate attacks. The city, enriched in Roman times, was used by Genoese and Venetian pirates after the 3rd century AD and was abandoned in the 15th century during the Ottoman period.
Places to visit in Olympos? What can you do in Olympos?
The ancient city of Olympos has two gates, one by the sea and the other by land. It is located at the end of Çıralı's 3.5-kilometer beach. When you start to visit the ancient city of Olympos by the sea, i.e. the south gate, you will first see the Acropolis and a monumental tomb on a hill on the right of a steep slope.
It is possible to see many historical remains in the wetland of Olympos. To visit the left by the sea, there is a stream bed. On the stream, there is a historic bridge from ancient times. On the opposite side of the building, it has a basilica belonging to the Byzantine. When you follow the road until the end, you will arrive at the other entrance gate of Olympos ruins.
When you go back from here and follow the path, you will be faced with a Roman temple. So, you will see the pedestal. The left side of the path is covered with water.
The path links the ancient waterway after a while. At the end of the waterway, you will see a monumental grave and two rock tombs. At the end of the path, you arrive at the Acropolis, where you started to point. Since the Acropolis is a hill area, we recommend you to come out here and enjoy the spectacular scenery.
The beach of Olympos is also very beautiful. The short beach is full of vacationers who lie on the beach, sunbath and swimming all day long.
It is worth seeing with Çiralı, right next to Olympos, its natural beauties, orange gardens and a 3.5 km beach. Yanartas, located next to Olympos with a 250 meter high famous for its fire burning with the gases coming out of the rocks, is also worth seeing. Here, the fire burning between the rocks is associated with a fire-breathing creature in the ancient times. A half-hour nature walk is possible to go there from Yanartas to Çıralı.
Accommodation in Olympos, Where do you stay?
Since Olympos is located in the protected area, it is forbidden to build the house in the area. For this reason, tree houses and wooden bungalows have become famous in Olympos. Vacationers who want to stay in Olympos can stay here. The region is especially preferred by young holidaymakers. Especially Kadirs Tree Houses are the most famous place of the region. Vacationers who do not want to prefer wooden houses and wooden bungalows are able to find many hotels and hostels in Çirali, a holiday town right next to Olympos.


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Midnight showing of Fellowship of the Ring in Kennewick, WA
Erin writes in: "The Fellowship of the Ring will be playing at midnight in Kennewick, WA as part of Regal Cinemas Flashback Features program. Spread the word – Catch this and other great classics Back on the Big Screen!" For night-owls and other fans in the area, the show is scheduled for Friday, June 20th at the Regal Columbia Mall 8 (scroll down). Catch up on your sleep and catch the show!Posted in Events, Film Screenings on June 17, 2008 by Altaira


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What is Hugo's story?
It's quite a tale to tell,
I'll tell you and you'll not forget,
You shall remember well…
"Hugo the Huguenot," by Jennifer DuBois Bruntil
As school programming coordinator for Historic Huguenot Street, it's Jennifer DuBois Bruntil's job to make Huguenot history accessible for kids that range in age from preschool up to high school. Older students can view the orientation video at the site's visitor's center, but the story of the Huguenots' arrival in New Paltz after fleeing religious persecution is a difficult one for younger children to understand.
DuBois Bruntil, herself, is a 12th generation descendant of Louis DuBois, one of the original New Paltz Huguenot patentees. She remembers hearing the stories as a child from her grandmother, who, "could close her eyes and remember all the people in order." But even with a family connection, the story of the Huguenots is a tough one to get kids to care about. So ever since she began working at Historic Huguenot Street last year, DuBois Bruntil has made a point of finding ways to make the story relatable to young children.
She first came up with a cartoon character she named "Hugo the Huguenot," making him representative of all Huguenots. When she gave presentations to the kids, she showed them how Hugo got into a boat and sailed across to the New World. "They really got it then," she says, and that made her think. Surprised that Historic Huguenot Street didn't already have a kid-friendly children's book to introduce them to the topic, she thought, 'Maybe I'll write one.'
After all, she'd always enjoyed playing with words and rhymes, and she already had the protagonist, Hugo. Home one night and playing around with the idea, she came up with a few stanzas. Later showing them to author A.J. Schenkman – town of Gardiner historian and consulting historian to Historic Huguenot Street – she asked him if he thought there was a children's book in the rhymes she had come up with.
He was encouraging, and introduced her to a friend, illustrator Matthew Kelly, who had written and illustrated his own self-published children's book called "Our Crayon Company." Kelly had devised his tale to amuse his kids, incorporating details from his job working at R&F Handmade Paints in Kingston in creating a story of animals that ran a crayon factory. Kelly had funded the printing of his book through Kickstarter, which inspired DuBois Bruntil to go the same route.
The two are now collaborating on the project. Kelly's illustrations are painterly; softly evocative watercolors that are interesting for adults to look at as well as kids. The Kickstarter campaign that the pair have put together will have just started as this edition of the newspaper goes to print (www.kickstarter.com/projects/652098140/hugo-the-Huguenot), with 30 days to raise the $4,000 it will take to print 250 hardcover books. As is the usual case with Kickstarter campaigns, donors will receive incentives based on their generosity. A donation of $25, for example, will reward the giver with a hardcover book once they're printed. Other incentives include prints of the original artwork.
The plan is to print as many books as funds raised will allow, past the minimum goal of $4,000. Historic Huguenot Street is interested in carrying the book at their shop once it's printed, and its writer and illustrator hope to see the book eventually sold in local bookstores. "I'd like to go to local libraries and read it during story hour, too, and get it to people that way," says DuBois Bruntil. "But we can't do that until we get the funds to print it."
They'll be using ColorPage Printing in Kingston to produce the books, with the idea that the entire book is local, from its history to its author and its illustrator to its printer.
"My goal is for children to walk away with a better understanding of the Huguenot story," says DuBois Bruntil, who taught sixth grade for eight years in New Paltz before taking the position at Huguenot Street. She also plans to include a teaching page at the end of the book with vocabulary terms.
"Part of the reason I wrote it in rhyme is that rhyming words help kids learn to read. It's dedicated to my own children, but also the children of New Paltz, and anybody that comes here. We hope adults will enjoy learning the history from it, too. Matt did his own research on how people looked and dressed, and we tried to make it as authentic as we could and respectful of everyone in it."
New Paltz was not only much bigger then, DuBois Bruntil points out — spreading across 40,000 acres from the Hudson River to the Ridge, and from Wallkill to almost Kingston — but was a very multi-cultural society right from the start. "By the time the Huguenots came to New Paltz, they were looking to tie back into their French heritage. They took a lot from the culture of the Dutch, because they married into that, and they've lived in Germany. They got their patent from an English governor, because the English had taken over. So on the street, even once it's been settled, there's Dutch spoken, and French, English… so, very quickly, there's a lot of things happening in this one area of New Paltz."


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Courtesy of Tux-Lab, I got a chance to attend WESTEC 2017 on a free exhibits-only pass. Sort of like how I got in SIGGRAPH 2017 exhibits. And just like SIGGRAPH, I was not the target audience and much of the show went over my head. Half of the time I would stare at a company's booth and be at a complete loss as to what their product or business was. Fortunately, since I attended on the third and final day with tapering traffic, most of the exhibitors had spare time to explain what they do. The marketing manager for SW was even nice enough to chat about career and life advice on dealing with people in general. Well above and beyond the treatment I had expected for someone not remotely a prospective customer.
But it's not all gawking. I had hoped to find a few businesses that might be interesting to work with, and fortunately there were some vendors present who are willing to work with small volumes and short production runs. In fact, a few places specifically cater to it. Roncelli is just down the street for machined plastic components, and Hilltop across town is similar for metal. If I'm willing to have the product shipped, there are smaller shops like Avid Product Development and large operations like Proto Labs. Proto Labs feels like Shapeways, but instead of jewelry and trinkets, they cater to making precision parts for actual products and have the infrastructure (and price tag) to match.
But those were the exceptions. For the bulk of the vendors I'm just there to look at the nifty machines. The Vollmer Vgrind 360 caught my attention because it was "backwards": The carbide cutting tool I saw wasn't doing the cutting – it was being cut by precision grinding wheels. Another CNC grinder was made by a machine tool company named Haas, but it has no relation to the Haas machine tool company I knew of. Fortunately I was assured I'm not the first person to get confused.


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By Art Gallagher _ Marlboro Township's K-8 schools now have armed and uniformed police officers present at all times during school hours under an agreement between the Township and Board of Education that was approved by the Board last night, Read More
THE LIST: Rooney's Election 2015 New Jersey races to watch
By Matt Rooney | The Save Jersey Blog Happy Election Day, Save Jerseyans! Bored of presidential coverage? Fear not, fellow political junkies: there are tons of races to watch on this bright and unseasonably warm first Tuesday in November notwithstanding Read More
Long-time Democrat abandons Hornik in fierce Marlboro contest
By Matt Rooney | The Save Jersey Blog Is the tide turning against Democrats in a key Monmouth community? Former Marlboro Democrat Club President Patrick Kelly made waves this week when he endorsed a Republican, John Dwyer, in this year's Read More
After sexting scandal rocks town, Marlboro Republicans propose reforms to protect children
By Art Gallagher | MoreMonmouthMusings.com Marlboro, NJ- The Marlboro Republican candidates for Mayor and Council responded to the news of a Township Camp Counselor pleading guilty to sexting photos of his genitalia to four 11-13 year old female campers with a Read More
From Building #5 to Marlboro Township: Dwyer recalls how 9/11 "changed my life"
By Matt Rooney | The Save Jersey Blog Younger readers may not remember, Save Jerseyans, but 5 World Trade Center (a.k.a. "Building 5" or "WTC 5") was a nine-story building on the east side of the former North Tower of the World Trade Center (WTC Read More
Is Marlboro in play?
By Art Gallagher | MoreMonmouthMusings.com Labor Day is still a week off, but the political season is already underway in the most unlikely place; Marlboro Township where Democratic incumbents Mayor Jon Hornik and Councilwoman Randi Marder are running for their Read More
Marlboro Republican Council Candidate Resigns
By Art Gallagher | MoreMonmouthMusings.com Frank DeBlasi, the top vote getter in the Republican primary in Marlboro eariler this month, has withdrawn as a candidate, according to a statement by Selika Josiah Gore, the Chair of the Township's Republican Committee. Read More
Hornik's Republican Administration in Marlboro is Gopal's top 2015 priority
By Art Gallagher | MoreMonmouthMusings.com Desperate to be a player and for a victory of any kind, Monmouth County Democratic Chairman Vin Gopal told a gathering of statewide Democrats in Freehold on Wednesday evening that Marlboro Mayor Jon Hornik's reelection Read More
UPDATE: Victoria Dean apologizes for facebook post
By Art Gallagher | MoreMonmouthMusings.com Marlboro Board of Education Vice President Victoria Dean last night apologized for racially charged posts made on her facebook page on February 8, during public workshop meeting of the board in the Marlboro Middle School Auditorium. Read More


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Our graphic designers will help you create the foundation for your brand in the form of an original, captivating logo and style guide that conveys a unique value proposition that resonates with your industry and audience. The style guide is designed to establish distinct guidelines for a uniform and identifiable visual representation of your brand across digital and physical mediums.
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Wallace shares four of the main skin-saving properties of honey. Acne: Honey is naturally antibacterial, so it's great for acne treatment and prevention. Aging: Full of antioxidants, it is great for slowing down aging. Complexion boost: It is extremely moisturizing and soothing, so it helps create a glow.
As a Moisturizer
Spread one teaspoon raw honey on clean, dry skin, and let sit for 15-20 minutes. Rinse with tepid water.
As a cleanser
Stir one tablespoon raw honey with two tablespoons jojoba oil or coconut oil until the mixture is a spreadable consistency. Apply to clean, dry skin, and massage gently in a circular motion, avoiding your eye area. Rinse with tepid water.
Acne treatment
Apply a dab of raw honey to affected areas, and sit for 10-15 minutes. Rinse with tepid water.


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The Anglo-Spanish War broke out in 1585. In August, England joined the Eighty Years' War on the side of the Dutch Protestant United Provinces, who had declared their independence from Spain. Drake sailed for the West Indies and sacked Santo Domingo, captured Cartagena de Indias, and St. Augustine in Florida. Early in October the English landed in Galicia and sacked Vigo and Baiona.
Philip II planned an invasion of England, but in April 1587 his preparations suffered a setback when Drake burned 37 Spanish ships in harbour at Cádiz. In the same year, the execution of Mary, Queen of Scots on 8 February outraged Catholics in Europe, and her claim on the English throne passed (by her own deed of will) to Philip. On 29 July, he obtained Papal authority to overthrow Elizabeth, who had been excommunicated by Pope Pius V, and place whomever he chose on the throne of England.
Spanish Armada
The Invincible Armada, National Maritime Museum, London
In retaliation for the execution of Mary, Philip vowed to invade England to place a Catholic monarch on its throne. He assembled a fleet of about 130 ships, containing 8,000 soldiers and 18,000 sailors. To finance this endeavour, Pope Sixtus V had permitted Philip to collect crusade taxes. Sixtus had promised a further subsidy to the Spanish should they reach English soil.
On 28 May 1588, the Armada set sail for the Netherlands, where it was to pick up additional troops for the invasion of England. However, the English navy inflicted a defeat on the Armada in the Battle of Gravelines before this could be accomplished, and forced the Armada to sail northward. It sailed around Scotland, where it suffered severe damage and loss of life from stormy weather.
The defeat of the Armada revolutionised naval warfare and provided valuable seafaring experience for English oceanic mariners. While the English were able to persist in their privateering against the Spanish and continue sending troops to assist Philip II's enemies in the Netherlands and France, these efforts brought few tangible rewards. One of the most important effects of the event was that the Armada's failure was seen as a "sign" that God supported the Protestant Reformation in England. One of the medals struck to celebrate the English victory bore the Latin inscription Flavit Jehovah et Dissipati Sunt (He blew with His winds, and they were scattered.)
English Armada
Sculpture of Maria Pita at Coruna
An "English Armada" under the command of Sir Francis Drake and Sir John Norreys was dispatched in 1589 to torch the Spanish Atlantic navy, which was refitting in Santander, Corunna and San Sebastián in northern Spain. It was also intended to capture the incoming Spanish treasure fleet and expel the Spanish from Portugal – ruled by Philip since 1580 – in favour of the Prior of Crato. The English Armada was arguably misconceived and ended overall in failure. Had the expedition succeeded in its objectives, Spain might have been compelled to sue for peace, which would present England with a chance to demand territory from the vast Empire. Some merchant ships were captured at Corunna but when the English force, while waiting for a fair wind, pressed its attack on the citadel, they were repulsed and a number of English ships were captured by Spanish naval forces. Owing to poor organisation and lack of co-ordination with the Portuguese and Spanish reinforcements, the invading force also failed to take Lisbon. Sickness then struck the expedition, and finally a portion of the fleet led by Drake towards the Azores was scattered in a storm. In the end, Elizabeth sustained a severe loss to her treasury.


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SEO in 2020: The Two Most Important Things to Know
Search engine optimization or SEO has become almost like a secret code. Businesses and marketing departments ask if you know how to do SEO before they hire you to handle their marketing. Marketers position themselves as SEO leaders or trendsetters. While it may seem like a mystery on how to be successful with search engine … Continued


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An injury upon the job qualifies you to receive workers' compensation benefits. Under New York law requirements, employers need to indemnify injured workers for medical and rehabilitation expenses and wage loss. But because New York laws are complex pertaining to a workplace injury, it is difficult for workers to understand how much compensation they should receive.
With the right lawyer on your side, you can receive full benefits for your injuries. The attorneys at Ricigliano & Filopei, P.C., have decades of experience helping workers receive compensation for job-related injuries. We understand the law and will fight for you so that you can receive the compensation you need and deserve.
The Compensation Required To Meet Your Needs
There is no need to prove fault in order to receive workers' compensation benefits. However, that does not mean employers will not dispute your claim. An employer may dispute that your injuries are preventing you from returning to work. They may also dispute your injuries or your need for certain medical care. The benefits they feel they owe you may not come close to actually meeting your needs and the needs of your family.
Our attorneys assist workers of every kind recover benefits. We assist workers suffering from:
- Serious and traumatic head and brain trauma
- Neck, back, and spinal cord injuries
- Repetitive-stress injuries
- Construction-related injuries
- Burn injuries
- Mesothelioma
- Scaffolding collapses and injuries due to falls
- Other work-related injuries and illnesses
The attorneys and staff at Ricigliano & Filopei, P.C., will be with you during every step of the process. We will advise you concerning the sorts of compensation you will need to recover from your injuries. If your employer or insurance carrier attempt to settle your workers' compensation matter with you, we will discuss in detail the adequacy of the settlement offer.
Finding Alternative Means To Recovery
You may be entitled to other compensation besides workers' compensation benefits. As experienced personal injury attorneys, we can help you also receive compensation as a result of products liability and other personal injury claims.
Putting Knowledge And Experience On Your Side
If you are injured at work, do not hesitate to contact an experienced workers' compensation attorney at your earliest convenience. Please contact our law office for a free initial consultation by calling 646-741-3886.
We will take your case on a contingent-fee basis. Because of that, we will only collect attorney's fees by obtaining compensation for you.


text: When in...Belfast Previous story Next story Journal neptune.com Show all Interiors Great outdoors Features Recipes Store life Your stories Select neptune.com Show all Interiors Great outdoors Features Recipes Store life Your stories Neptune Belfast Neptune Belfast Minnowburn, image by Chris Shannon Ulster Museum, image by Elyse Kennedy The MAC The MAC, image by Martin Dunseath OX Root & Branch Root & Branch St George's Market The Crown Bar, image by Somewhere in Belfast Minnowburn, image by Chris Shannon Ulster Museum, image by Elyse Kennedy The MAC The MAC, image by Martin Dunseath OX Root & Branch Root & Branch St George's Market The Crown Bar, image by Somewhere in Belfast When in...Belfast Neptune Belfast is our first store to open in Northern Ireland, and this exuberant city felt like the perfect place for our debut. If you're planning a trip to see us, it may be that you're travelling from outside the city, so we've put together a collection of our favourite places in and around Belfast to turn your visit into a lovely day (or two) out. And even if you've lived here all your life, we hope that you might find somewhere new to explore. To do Belfast art Belfast is well known for its street art; you can't fail to notice the murals from its past that decorate the sides of buildings. The best way to explore this more urban side of the city is through a guided tour – we suggest either Belfast Mural Tours or a 'gently paced' walk with Seedhead Arts. There are also many galleries small and large in Belfast that showcase the creative spirit of Northern Ireland. Our favourites are The MAC, which hosts live theatre and dance performances as well as art shows; the Ulster Museum, where you'll also find exhibitions on history and natural science; and the contemporary Golden Thread Gallery. Queen's Film Theatre The programme of entertainment at this independent cinema is what sets it apart and makes it a worthwhile visit, from acclaimed documentaries to old-favourites and sing-a-long screenings. It's also well known as the only cinema in Northern Ireland with a full licenced bar, meaning you can enjoy a glass of wine or a locally distilled gin while you sit back to watch a film. Minnowburn Minnowburn may be just outside the city, but here you'll find acres of woodland and meadows, a Neolithic earth henge and an Italian sunken garden providing a little peace away from Belfast's hustle and bustle. The National Trust has put together a few walking trails, so you can stretch your legs and admire the far-reaching views across the Lagan Valley. To eat Root & Branch Just a few minutes' stroll down the road from Neptune Belfast is Root & Branch, a coffee roastery and 'brew bar' dedicated to responsible sourcing. Not only will they make you an expertly-brewed cup of coffee (or tea, if you prefer) to enjoy in their small courtyard or on their street-side bistro tables, but you can also walk away with a bag of the beans they roast on site. Mourne Seafood Bar These two restaurants, one in Belfast city centre and the other a 45-minute drive down the coast at Dundrum, are a collaboration between chef Andy Rea and fisherman Bob McCoubrey. So it's only natural that the seafood they serve is at its very freshest. We love to stop by the Belfast restaurant for a leisurely lunch of their Japanese style oysters or traditional beer-battered fish and chips. OX This much-talked-about restaurant sits on the banks of the River Lagan and is highly recommended for good reason. The atmosphere is relaxed and the food is simple and seasonally-driven. If you're visiting us late in the afternoon, this is the place to stop for supper. The Crown Bar The interior (and exterior, for that matter) of The Crown Bar is covered in elaborate mosaics, stained-glass windows and carved ceilings. There's even a red granite-topped bar complete with a heated footrest. And it's all lit by gas lanterns. Built by the Victorians in the Gothic style, the building is owned by the National Trust but it still runs as a working bar and restaurant. We recommend cosying up with a drink in one of the snugs. To shop Envoy of Belfast This pared-back boutique sells modern women's clothes and accessories by designers both well-known, such as Dries Van Noten, and more under the radar, like VISVIM, whose pieces are patterned with hand-applied dyes. Space CRAFT Put together by the non-profit Craft & Design Collective, this gallery and retail space in the centre of the city showcases a collection of prints, jewellery, ceramics and more by artisans who all design and make locally. And should you be feeling a little peckish after your visit to Space CRAFT, Sawyers Deli, with its floor to ceiling shelves of gourmet goods, is just next door. Co Couture The chocolate bars and truffles created by Co Couture are made in small batches using the best ingredients, sourced locally whenever possible. Stop by their boutique on Chichester Street to pick up a present, or something to keep all to yourself. St George's Market This indoor market, built in the 1890s, is well worth a wander through. There are three different markets to visit – the Friday Variety Market, where you can find anything and everything from antiques to fish; a food and craft market on Saturdays; and a Sunday market that combines the best of both. Spend a couple of hours browsing the stalls, or simply sit with a cup of coffee and listen to some live music. Neptune Belfast And while you're in town, we'd love you to come see us. Store details Tags: Store life Neptune Belfast Share this story Related stories The perfect bolthole When in...Fulham When in...York Using colour in the kitchen: a tale about contrast Back to the journal


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T.Karn Imports
Lotus Taper Candle Holders
Regular price $ 140.00
$ 0.00
These beautifully crafted candle holders are a unique addition to any home. They can also be carefully intertwined at the base, making them the perfect wedding gift as well!
The faceted texture of the stem portrays a contemporary rendition of a lotus stem. At the top the stem finishes with a beautiful lotus leaf which holds the candle at its center. The candle stands are made of brass and come in a set of 2.
Since every product is scrupulously hand crafted, no two pieces are identical. Each piece has its unique identity.
Material: Brass
Size: 12" Tall


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Your diabetes science experiment blood sugar chart
Your experiment blood sugar chart to use If you need an accurate blood sugar chart you will need to talk to your personal doctor. A...
Contact ginger
For more information visit homepage.
Diabetes alcohol
Diabetes and alcohol A very bad decision in combination with some medicine. Read more in this article. There is over a million American suffering from diabetes....


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A current TV advertisement highlights the exasperation shown by adults when children keep asking the question "why." Many adults resort to the standard answers of ..."because it is!" or "because that's the way it's always been" in the hope that little Jo or Jonny will eventually stop asking "why".
But at the risk of incurring the wrath of anyone with child caring responsibilities, we should actually be encouraging children to ask why?
Why? – Because inquiry based learning (asking questions) encourages children not to take information at face value; Not only do they become interested in the process of learning but they become less susceptible to fake news or mis-information. It helps children (and adults) challenge deep rooted beliefs and assumptions that aren't necessarily right, logical or fair; we have simply lived by them "because that's the way it's always been".
The use of why is embedded in root cause analysis – for example:
Why did Jo injure her hand?
Because she was not wearing the correct protective gloves
Why was she not wearing the correct protective gloves?
Because no one had told her she needed to wear them
Why had no one told her that she needed to wear them?
Because she had not had a proper induction into the workplace
Why had she not had a proper induction into the workplace?
Because there was no management system in place for induction...
Asking why helps understand the root cause of an accident and remedial solutions implemented which alter behaviour and assumptions.
Join us on the next Accident Investigation Course where root cause analysis will be explained in depth and tools provided to help you implement a safe working culture in your organisation.
Harborough Innovation Centre Tuesday 7th to Friday 10th July 2020. For more information click here
Oh and don't forget encourage children to ask why.............!


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Credit Services That Are NOT Credit Ratings Neutral
Not all credit services are created equal. There are services that can affect your credit score. If you are trying to improve your score, these services can actually hurt your standing. Here's what you should know.
Debt Management
While not being able to pay your bills on time will quickly trash your credit score, debt management can also negatively affect your credit score. Debt management services all work differently. Some of them work directly with your current creditors to freeze active accounts and lower interest, while others will purchase the debt and have you pay back the debt management service. The way they work is important to know if you want to preserve your score.
Anytime a creditor freezes an account, this is basically the same thing as closing the account. This does reflect on your credit report. Your credit score is partially determined by the ratio of debt you have compared to your overall credit lines. When an account is frozen, the debt ratio remains high, also lowering your credit score.
If a credit debt management program offers to purchase the debt, then this simply reflects as the accounts being paid off. But it can still negatively affect your credit score if they have negotiated for a lower rate. This is how it works the vast majority of the time. The creditors will report the accounts have been paid, but it will also reflect the circumstances.
Credit Counseling
Credit counseling is similar to debt management. The biggest difference being that the credit counselor will try to come up with a plan that you can follow without having to go through the hassle of freezing accounts. A credit counseling service generally won't have an effect on your credit, unless one of the debt management programs is recommended.
Sticking with a plan created by a credit counselor can help increase your score. If you are making on time payments because of a credit counseling plan, the creditors will start to report positively on your credit report. So even if you have a few accounts that had to be closed or frozen, this is still a better idea than letting your bills go unpaid.
Even though these programs can affect your credit score, it's much better than having to file bankruptcy. Bankruptcy is the easiest way to thrash your score. Letting bills go unpaid will quickly tank your score as well. Seeking credit management help is never a bad idea if you foresee you are going to fall behind. It looks much better that you've sought help than just let everything go.


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My experience as a member and leader of Art Club has been a great one for the past 3 years. I've learnt many things and skills I had not expected to learn in this CCA. As a member, I have attended many of the workshops implemented for us such as the calligraphy workshop and sand art workshop. In these workshops I have learnt the ways and beauty of the different art forms that are seldom heard of and appreciated. From the gracefully elegant art form of calligraphy to the underlying and meticulous art forms of sand art, these workshops brought unique perspectives of art in ways I have never encountered. On normal CCA days, each of us is tasked to come up with ideas and thoughts during our planning process. After that, we sit down in our groups and let our creativity flow.
Art Club may seem fun and interesting, there may be our dreadful days. On such days, we have less motivation and inspiration. However, we use this time to bond or relax. With music lingering in the background, it makes our room a little cheerful and calming after a long school day. Inevitably, our creativity improves.
Being a leader gave me confidence in my daily life. Having to deal with problems like distracted members proves to be a challenge but the help of fellow leaders makes the journey more bearable. The toughest challenge is engaging them because if there isn't much to do, they would just play with their games or do other things that they perceive to be more entertaining. Despite that, I'm thankful for the times where we are able communicate. The sessions also provide a platform for me to interact with members whom I hardly talk much to. The strangers I first saw have now become part of my circle of friends who have also brought me to where I am. Our friendship is one that I will always cherish.
As for my future plans, I don't have much in mind but I am sure as I go along my journey as a leader, I will find something that will spark my interests and motivation.
Patsy Tan, 3 Euclid, President, 2016 -2018
I am very proud to be a member of entrepreneurship club. Because of it, I can explore entrepreneurial skills in the real word context. The CCA teaches us on how to brainstorm and think out of the box to find and discover new ideas to solve current world issues. This has benefitted me as I now know more about the problems that we are facing around us.
Through Entrepreneur Club, I have the chance to participate in several entrepreneurial competitions. Although we did not manage to clinch any award, we still pick up new skills and gain new experiences after the competitions.
One of the activities that I enjoy as a member is the push-cart sales. From procurement of items to the sales of items, it is not an easy feat! Nonetheless, we enjoyed the whole process. The marketing skills that we have learnt during the mentorship and lessons with our teachers were put into good use when we handled the customers at the push-cart. I have also gotten to know many more new schoolmates during the sales. The push-cart sales would not have been possible without the teamwork of my CCA mates. As the saying goes, "teamwork makes the dream work ". I believe that as a CCA, we can achieve a great deal if we put our heart and soul into what we are doing.
As a member, I trust that there will be more and new programmes that will excite all of us in Entrepreneur Club.
Megan Lee, Member, 1 Einstein , 2018
New Media Club enables us to hone both technical and soft skills that focuses on Information Technology and Audio Visual skills. In AV management, we support the school in the various assembly presentation and school events. We learnt how to operate the equipment confidently and effectively. We also pick up teamwork and communication skills which are key competencies as the members must work together when we support the school event. We are proud that we are given many opportunities to support the school event and able to play a major role in the success of the event.
We are also exposed to photography and videography skills which comes in handy as we take photos in school event and edit videos for the school production. We are also able to show our creative thinking skills in our photos and video production for the school. The CCA has equipped us with various IT and AV skills and knowledge along with competences such as teamwork and resilience. The CCA also allows us to be exposed to analogue photography such as cyanotype print and pinhole cameras. We are also able to enhance and develop our skills through the various competition and projects that we do for the school.
As the founding members and leaders of the club, we were given the chance to lead and design lessons to teach our juniors. We also picked up planning skills when we planned deployment for assemblies and school events. It was a good experience as we mentored the juniors and witnessed their growth in operating the equipment with confident and ease.
"Life is like riding a bicycle. To keep your balance, you must keep moving." - Albert Einstein
Dex Ngiam Chao Yi, 3 Euclid, President, 2018
Cliff Ho Kye Yan, 3 Euclid, Vice-President, 2018
Ong Yi Feng Jayden, 3 Eliot, Vice-President, 2018
Technology-Enhanced Learning @ Edgefield (TEL@Edgefield)
Home > Experience > CCA
Thinkers' Society allows me to participate in numerous competitions which develop my problem-solving skills through critical and creative thinking. Through my participation in these competitions, I get to meet new people, learn new things and solve problems creatively by thinking outside of the box. Odyssey of the Mind (OOTM) is a creative thinking competition which allows us to venture out of our comfort zones. I managed to make use of my interest in Design & Technology and build a structure that can hold 90kg! While preparing for OOTM, we discovered many aspects of ourselves and developed new interests such as sewing, acting and props making. OOTM helps to increase my confidence level as we had to perform in front of a crowd and judges. One significant segment of OOTM is the Spontaneous Problem component with verbal and hands-on problems. I was able to unleash my creativity as I attempted the spontaneous problems as the most creative answers would get the highest score for this component of the competition.
Future Problem Solving Programme (FPSP) is a critical thinking competition which requires deep content knowledge of a wide range of topics. One of the topics we have to tackle this year is Philanthrocapitalism, a topic which was unknown to me prior to this. We had to study a future scene and generate possible challenges and underlying problem. Through, analysing the underlying problem, we were tasked to create solutions and craft an action plan based on the best solution to solve the underlying problem. Through my participation in FPSP, I managed to expand my vocabulary and understand more about possible issues we may face in the future. The 6-step problem-solving process can help to overcome challenges, whenever I encounter problems.
The skills I have picked up from the CCA are important as I am able to apply them in authentic settings. In recent months, we get to select an issue that we observe in school and apply the 6-step problem-solving process to solve the identified problem. We decided that the pushcarts in our school are not fully utilised and the encouragement board for the upper secondary was misused. Hence we decided to write a proposal to the Principal with a detailed action plan on how we can use the pushcarts as part of the exam welfare campaign to benefit graduating students who are preparing for their national examinations. By doing so, I feel that we are helping the school by applying the skills we have learnt from Odyssey of the Mind and Future Problem Solving Programme.
Overall, I really enjoy my time in this CCA and I have fun with my CCA teachers. I am thankful that I am accepted to this CCA.
Goh Cai Xuan, Alisa, 1EL, Member, 2018
I have always loved aeroplanes and everything about aviation. When I was younger, I was always either googling or reading articles to better my knowledge on planes. Placing SYFC as my first choice for my CCA was definitely a no-brainer.
During the CCA interview in Year 1, I expressed about my love for all things aviation. I was elated when I found out that my application to join SYFC was approved. This is where the passion really started to become a reality as I was able to learn hands-on about building model airplanes.
In Year Two, I requested to join the SYFC Special Interest Group (SIG) to learn more advanced aeromodelling skills. This was when I learnt to build and fly even more complex model airplanes. With the extra set of skills that I picked up from SIG, I began to have more confidence in my abilities as an aeromodeller. After having spent so much time researching on the best airplane designs, it was very satisfying to see my completed model airplanes fly well for competitions.
Being a CCA leader made me realise that apart from leading my peers in weekly sessions, I also need to exemplify the crucial qualities of determination and staying focused. It has certainly been a roller coaster ride but I will constantly look for ways to improve myself so that I can be a better leader.
Adrian Song Yue En, 3EA, Chairperson, 2016-2018
Being in Robotics CCA, I acquired numerous skills and values. As members, we were taught to do basic programming and construction of robots to perform a myriad of tasks. We were also exposed to frontier initiatives like drone technology and swift app programming.
Our skills were honed through participation in rigourous competitions like First Lego League and National Robotics Competition, where we also learn to do proper research and presentation on contemporary real world topics.
During competitions, it is apparent that some of us are better at programming, some are better at construction and some at research and presentation. Seeing the synergistic outcomes achieved through the collaborative efforts and talents of every member, I realised the value of teamwork. Nevertheless, it is not easy working with people with different values and perspectives, so we learn to respect differing ideas and work cooperatively towards shared goals.
Being appointed as a CCA leader, I was given the opportunity to break out of my comfort zone. Through opportunities to plan and lead the CCA in projects like Open House and iOS activities, I learnt to take on different perspectives in order to ensure the welfare and development of my fellow members.
Tan Chuan Yong, 3EC, President, 2018
Performing Arts
Being in choir allows me the opportunity to be exposed to new challenges and face fears like having stage fright. Throughout my years in this CCA, it has given me many opportunities to form new friendships through singing, combined-school performances and our involvement in the Singapore Youth Festival Arts Presentation.
Being a CCA leader in Choir has given me the opportunity to experience what it's like to organise events and lead sectionals and vocal warm-ups. These have helped improve leadership skills and teamwork. It has also provided new points of views of different situations that people may not usually notice, giving me the ability to see things in a new light and make better decisions.
Netanya Chan, 3EU, President, 2016-2018
Being the Band Major in Concert Band has allowed me to hone my leadership skills. During sectionals, I helped my juniors to perfect their skills in playing the instrument by giving them feedback on their techniques and making sure that they have done proper warm ups before they practise the pieces. On a macro level, I take pride in ensuring that the members of Concert Band are able to play their parts well together as a team! For me, there are ups and downs when preparing to play a certain piece but I have found passion and joy in being able to play a certain piece well after persevering through each training. When the music sounds good, I feel good too. It is heartening to see that juniors are able to appreciate the pieces and to find the passion to train beyond CCA hours.
In 2017, our band participated in the Singapore Youth Festival in which we performed the Sunny Island and Fields Overture. At first, we experienced difficulty playing the pieces but we persevered and eventually we made improvement in our performance. We also benefited from the workshops which Mr Yamashita and Mr Adam Frey from Yamaha conducted for our band. With all the help and efforts from each and everyone in team, we managed to achieve the certificate of accomplishment.
In 2018, our band also participated in the Singapore International Band Festival competition. Though it was our first time taking part in the competition, we managed to win the bronze award.
Prior to SIBF, we had to put up a public performance during our school ArtsFest @ Punggol Topaz. This helped to build our confidence for the SIBF competition. We were also fortunate to get pointers on how we could polish our playing techniques from the workshop conducted by Mr Bert Aalders from SIBF.
As a leader, I have learnt to always think about the well-being of my fellow bandmates before myself. I believe that being a leader and a member of EFSS Band has helped me face my real-life problems outside of my CCA too!
Mira, 3EV, Band Major, 2016-2018
When I joined the English Literary Drama and Debate Society, I did not know life in ELDDS would be so exciting! As a Secondary One student new to the Co-Curricular Activity (CCA), I got myself a leading role in Edgefield's inaugural public performance in 2016. Clueless about theatre and acting then, the patience and guidance given by our instructors, teachers and seniors allowed us to enjoy the performance and also learn more about acting techniques. From this performance,
I discovered my passion for acting and theatre, which spurred me on to learn more from our drama instructors. Together, we explore many theatrical elements and drama skills during our training sessions.
In 2017, ELDDS participated in the Singapore Youths Festival (SYF) where we did an adaptation of Animal Farm. We were required to put ourselves in the roles and characters of animals and I found out that I could actually make use of the skills I learnt from the CCA sessions to play the role of an animal well! For example, we learnt techniques on creating different levels and sizes using our bodies and projecting our voices clearly for this performance.
Being a member and the president of ELDDS, I strongly believe that CCA plays an important role in our school life. CCA allows us to bond with other students with the same interests as us and a place where we can forget about the stress from our academic curriculum. Even though CCA may mean spending more time in school, I feel that the extra hours spent in CCA is something I always enjoy and look forward to every week. In ELDDS, although we are all individuals with our own personalities and opinions, we have learnt to accept one another despite our differences - something I appreciate tremendously.
As a leader, I have learnt to put others before myself, carry out my duties with integrity and respect everyone around me. I am sure that being a member and leader of ELDDS, I have grown and have become a better person.
Carmen Foong, 3EV, ELDDS President, 2016-2018
I came to this school not knowing which CCA to join, and yet here I am, being extremely grateful to have found this unique performing arts that no other secondary school has. My passion for drumming has not only been unwavering, but has also never stopped growing.
Leading my CCA was never once a chore, it was always an honour. In the beginning, I was worried whether I would be able to cope with Triple Science subject combination and this role. But if my previous president could do it, so could I. It definitely took some believing in myself and my abilities, which blossomed throughout my year in this position. I started with a vision for myself, that goal was to make a positive impact on this CCA with the authority I was presented.
This was the best decision I made in secondary school because what I got in return is invaluable. It has taught me countless things, one of which is empowerment. I have full faith in all my members because I see the potential in every single one of them. Whether they've never held a pair of drumsticks or have absolutely no rhythm sense, I helped them realise that they're more capable than they think they are. I always believed that feedback is crucial at the end of every training session, so I made sure I evaluated their performance, praised them for their efforts and highlight areas for improvement. Being a leader also teaches me how to be empathetic and diplomatic during unfavourable times.
In 2018, one of my most memorable experiences was our participation in the Chingay procession. It was when our CCA truly bonded as a whole, saying that it's heartwarming is an understatement.
Stepping down as a year 4 student, I feel immensely thankful for this opportunity as I came to realise how many people I have influenced through these memories we have made as a team.
As I want to continue pursuing this hobby, I joined an external professional festive drum group called ZingO. With them, I got to perform at various events at Botanic Gardens, NUS, and even in Malaysia for the JB Drum Festival. This has opened my eyes to many new aspects of drumming - from the type of drumsticks to the character we play during a performance subject to its theme. I definitely hope to continue exploring the world of drums in the future!
Ong Yi Ning, 4 Euler, President, 2015-2018
Guzheng is a chinese zither, a plucked string instrument with a more than 2,500-year history. It has 16 (or more) strings and movable bridges. It has a large, resonant cavity made from wutong wood. Guzheng players often wear fingerpricks made from materials such as ivory, tortoiseshell, resin or hard plastic.
Learning how to play a guzheng not only teaches us the value of teamwork, it also inculcates more intrinsic values such as discipline, resilience and teamwork to perform a musical masterpiece. Also, playing it keeps us calm as the notes produce ethereal-like sounds. Guzheng also helps us to become more confident in ourselves.
The past few years, Guzheng participated in many performances such as Singapore Youth Festival in 2017, many more exchange programs and school performances. We are proud to say that we also achieved distinction in the Singapore Youth Festival 2015 and 2017. Our instructor has been very patient with us and always gives his very best to teach us. Through his guidance, we are able to make tremendous improvements and achieve our desired goals.
Learning guzheng has been a very enjoyable and fun experience for all the CCA members and we really hope that more people will be inspired and attracted by the musical and cultural aspects guzheng.
Hui Min 3ES & Yeong Xin 3EU, CCA leaders, 2016 - 2019
I first joined Harmonica Ensemble out of interest for music. However, I realised it is a CCA with so much soul and harmony. This CCA has developed me to be confident yet humble, to be structured yet flexible and to be cultured yet modern. We are also always reminded to play our tune in harmony and progress together as an ensemble.
Besides being a member of the CCA, I was also given the confidence by my CCA teachers to lead the band. I had never given much thought to the on-goings of being a leader before, but the past few months of experience has given me a new perspective. The recent example would be the Teacher's Day celebration. During this period, every leader including myself stepped up and showed our capability and leadership qualities in preparing the event. By working with leaders from other CCA, I learnt many ways and traits to be good leader in my own CCA. I am also more appreciative of having a vice-president to assist me in leading the band during and after CCA hours.
CHONG YOU YUAN, ETHAN, 3 Einstein, President, 2016 - 2019
As a CCA leader I learn about being patient, tolerant, empathetic, confident and making wise decision. By becoming a leader, I realise that I can either bind or break the bond among my CCA members. Therefore it is very crucial for a leader to be mentally and emotionally strong, to consider different factors and be able to see different sides of opinions before coming to a decision decision that will affect the CCA members and also teachers. Through Modern Dance, I have grown to be a better person. The role and responsibility given to me not only mould my interpersonal skills but also my intrapersonal skill which help me with decision-making. I will continue to contribute to my CCA to the best of my capability and to render support to my CCA teachers as well as my fellow CCA members.
- Muhammad Rayyan, 3 Eliot, President, 2016-2019
Uniform Groups
Back then, when I had just enrolled into Girl Guides, I was someone who was reserved and did not dare to speak up. However, within merely a year in Secondary 1, I was given opportunities to participate in various activities like Free Being Me - a programme that boosts body confidence and supports the advocation of body confidence issues in the community, which has played a part in the gaining of my self-esteem. I also participated in a few badge work and picked up a few skills like sewing and first aid along the way.
Throughout, Secondary 1 to Secondary 3, I am grateful that I was given the opportunity to participate in the National Day Observance Ceremony (NDOC) in school and outside as well as the opportunity to be the Contingent Leader of the 2018 NDOC. Nobody would have expected my 13 year-old self to be this outspoken today. I would also like to thank the seniors and teachers that I met in this CCA who trusted and supported me,I would not have developed my character this tremendously nor achieved this position without their help. And as a Company Leader, I hope to serve this CCA to the greatest of my abilities and bring Girl Guides to greater heights.
Pearlene Chua Pei Ling, S3-1, Company Leader, 2018/2019
I have been involved in many events and activities over the years of my secondary school life. When I think back about them, I miss the moment when I was still a cadet taking part in the activities.
I remember the blood, sweat and tears that I had put in for the National Police Annual Parade. Even though we had a few problems, I still feel accomplished and happy as I knew I had put in my 110% for the training.
I remember the Jetty Jump during my unit's Sea Survival Training. I had a fear of heights but because to the sirs who were there, I mustered the courage to jump. I really had an enjoyable time and NPCC has given me lots of life experiences that other students may not be able to experience.
Through NPCC activities, I have gained many valuable lessons. My squad mates are practically my second family. I would want to thank my sirs and madams when I have the chance to as they are the ones that have been there throughout my journey in NPCC for the last 3 years. They have taught me many things that I did not know before including life skills.
Whenever I don the uniform, I feel proud and confident. NPCC has not only provided me with skills as a cadet but life experiences, friendship and memories which I cannot replicate on my own. I truly do not regret joining NPCC.
Jacob Lee Ray Chian, S4-1, Deputy Unit in Charge (Operations), 2017/18
National Civil Defence Cadet Corps (also known as NCDCC) has been my CCA for the past two years .When I first chose my CCA ,I aspired to become a first-aider and to learn life-saving skills so that I can help others in the future.
At first, I was shy and quiet in the CCA but my seniors and TOs taught me to be confident. I was excited about all the fun activities and amazing values shown during the CCA sessions. Through NCDCC, I have learnt important values such as teamwork and resilience. There are also kayaking courses which push us to step out of our comfort zone and go beyond our limit. Bonding activities and games bring out the team spirit..
NCDCC has changed me to become a disciplined and responsible individual.
Chia Hui Jing, 2-3, Cadet, 2018
My experience in Scouts has been an amazing one filled with new adventures and a testament of the strong friendships forged. Of course, everything is not perfect but it is important to attend the CCA with a positive mindset. Over these years that I have been in Scouts, I feel fortunate being in this CCA because of the unique things that we do such as pioneering, outdoor cooking, tent pitching and backwoodsman. These experiences give me the skills and confidence to step out of my comfort zone as it provides a platform to try something new and to gain new skills at the same time. It also brings the troop closer together as the experiences over the years give us the opportunities to make new friends over the years.
- Foo Meng Siang, 3 Einstein, Senior Patrol Leader, 2018
CCA is a very good platform for us to learn new things and make new friends. When I first joined Badminton CCA, I felt very awkward because I do not know anyone from the CCA. However, it did not last long as the new CCA mates to know one another and gel together as a team.
On top of the guidance from our coach, our seniors also teach us patiently. They play a big role in helping us improve on our skills and techniques.
Badminton teaches me to many skills which cannot be learnt that easily in a classroom environment. Some of these skills are resilience and determination. The training can be tough but the encouragements from fellow teammates, teachers and coach spur me to train even harder so that we can achieve good results during competitions. During competition, we cheer for and encourage one another in good times and bad.
I have learnt that teamwork is important because we need to work hard together as a team and support one another during difficult times. Learning how to cooperate as a team allows us to build our characters and forge friendships. As such, Badminton has groomed me to grow much as a player and as a person.
Ruby Ng Jing Yi, 3EC, Girls Team Vice-Captain, 2018
Joining Basketball CCA is one of the best decisions that I made in Secondary 1. Being in the CCA has given me the opportunity to open up and step out of my comfort zone to try new things.Throughout the 3 years in the CCA, I have grown so much as a player and as a person.
I vividly remembered the first few matches that I played in Secondary 1. The team felt lousy and guilty as we lost all our matches against other schools. I remembered a few of us, including myself, crying very badly. The team learned to pick ourselves up from the failures and to convert all that energy into motivation for us to work harder for the next competition. We went through many months of intensive training that really tested our perseverance and determination. The failures we once experienced were now the spark that bonded us together to work towards a common goal. The hard work that we put in our training paid off as our skills became increasingly polished. It taught me that I want to achieve something, I have to put in the hard work and to persevere whenever I meet any obstacles or challenges along the way.
Basketball has also taught me to take risks. During competitions, there are times where our team is afraid of the opponents and is unable to perform to our usual standards. During these moments, our coach always says, "I want to see you try and put in effort." As a team, we realise that it is important to take risks and push ourselves whenever we feel like giving up. Sometimes it is only fear that is preventing us from reaching our full potential.
We learnt to have a positive mindset and attitude whenever we are faced with obstacles and challenges. The team is able to achieve so much more when we motivate each other during training and to look out for each other during matches and competitions.
Right now, the team has a common goal - that is, to train hard and succeed in the upcoming competitions in January 2019.
Lim Pei Xian & Audris Ang, 3ES & 3EU, Captain & Vice-Captain, Basketball girls team, 2018 - 2019
Being a CCA leader has allowed me to learn more about my members' experiences and understand their difficulties. Knowing their predicaments and issues, I will try to make their time spent in our CCA more enjoyable. For example, a junior of mine has diabetes. Hence, I will try to reduce his burden whenever possible by giving him breaks whenever needed. I have also learnt many leadership and social skills. Armed with this knowledge, tackling unexpected situations has become much easier. Furthermore, I am grateful to have this opportunity as a CCA leader. Being able to work with my fellow leaders, May and Jing Kai, has been an enriching and enjoyable experience as they are always there to support me in my times of need and give me advice when I have doubts about a certain issue.
As a cca leader I have to step out of my comfort zone and do things I've never done before. Lastly, i will continue to give my best for my CCA.
Yau Ru En, Captain, 3 Euclid, 2016 - 2019
I was a very quiet girl who was always scared to speak out my mind. However, ever since I joined Softball in Secondary 1, I've been continuously growing as a person. Softball teaches me more than just basic teamwork and determination. Communication plays a major part as it is very critical when playing on the field. By communicating effectively, I have learned how to speak to our teammates and how to process the information given to us on the spot.
Failure will always be there and as a sportsman I have learnt to accept the fact that failure is bound to happen. Softball teaches me how to rebound from such failures and to continuously strive for improvements.
Softball teaches us to be determined and resilient especially in the face of challenges. Maintaining such an attitude in life spurs me to be the best version of myself, proving that hard work pays off. What I've noticed about myself these days is that I'm more mature and Softball is the main reason behind it. I've learnt not to condemn myself for past mistakes but to move on. I have learnt that by letting my mistakes go, I am able to focus on the next play .
Overall, Softball has developed my ability to be confident of myself."
Fira Rose, Captain, 3 Einstein
After having gone through the first few session of Taekwondo CCA - learning all the basic movements and white belt pattern - I found it very boring and tiring. However, after understanding the pledge of Taekwondo and the meaning of the pattern, I found it increasingly interesting and very useful in my daily life.
In Taekwondo, I have learned many different types of skills. Initially, I could not do certain patterns well like low block, high block and a simple front kick. However, I trained very hard to improve my movements. My ma'ams, coaches, sirs and seniors also play a very important part. They always encourage me and are patient with me whenever I face difficulties.
Taekwondo also teaches me perseverance as it is not easy to do well in Taekwondo. During kyorugi sessions, I also learnt how to attack an opponent and defend myself swiftly.
Taekwondo in my school equips me with stronger interpersonal and communication skills through first-hand interactions with both CCA members and my teachers. Takewondo helps us to be a more confident person and most importantly, it teaches us many values and skills which we can apply in our daily lives. I always look forward to the CCA and very excited when I get to learn new things in Taekwondo.
Cassandra Soh, 3EC, Captain, 2016 - 2018
Playing in Edgefield's Volleyball Team has been a journey of self-directed learning as I have seen myself develop from an amateur player into a full-fledged National Athlete playing with the ASEAN School Games team. Along the way, I have made numerous lifelong friends and realising my passion in this sport.
The warm atmosphere combined with the fantastic team spirit has been instrumental in developing my character. Perseverance, communication, and teamwork are all lifelong values, and nowhere else can they be most prevalent than on the court.. We always try to take every mistake in our stride as every missed dig, set or spike presents a new lesson to be learned. As individuals, we never stop growing. As a team, we always aim for the best.
With the skills we acquired in school, we are able to understand and pursue Volleyball at a higher level in Singapore. From refereeing lessons to the friendly matches and National Team trials, everyone is always given ample opportunities to pursue this sport further. We will push to take on new challenges.
I believe in Edgefield's Volleyball Team; you don't just train to be the best athlete on the court because you train to be the best version of yourself in life.
Quek Jun Yang, 4EL, Member, 2015-2018
I personally think that being a CCA leader in Wushu is exhilarating as I face different challenges during each CCA session. It gives me the motivation to do more for my own CCA, as it is my hope to inspire everyone in Wushu. I also hope that there will be others in the future who will take in interest in this sport. I am glad that I am able to contribute to Edgefield Secondary School in these ways and I hope that the next batch of CCA leaders can inspire not only themselves, but also others around them to excel in all they do.
Wushu has also had a positive impact on me outside the arena, as I have learnt how to be a more attentive student whenever i am in class. I do my best to make sure my CCA mates listen to the instructions given by the coach as well, and make sure they do not fool around during our training sessions. Wushu has also made me a better person in life and it has taught me how to solve problems in life by looking at things from new perspectives.
ALOYSIOUS SEE CHENG WEE, 3EA, Captain, 2016 - 2019


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Debt Consolidation Loans in Grand Bay, Alabama
Have you thought about the simplest way you might consolidate credit debt in Grand Bay, Alabama? You'll want to choose the best approach for you own specific financial circumstance and capacity to pay. Consolidating your debt is definitely more about reorientating your credit debt and repayment terms so it will be simpler to meet your monthly payments.
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Consolidation techniques for consumer credit card debt in Grand Bay, Alabama
For instance, if you wish to make use of a balance transfer to consolidate your consumer credit card debt, you have to formulate a repayment schedule that can benefit from the 0% or minimal-interest. For this particular option to succeed, you won't have a lower payment, and you will need to have a reliable income source to handle it successfully. The whole idea is that you will spend less by not paying interest, so installments go right to the principal. So, you will want to give as much as possible with each payment. Should you do this right, you can manage to pay back a sizable percentage of your total balance in a shorter period of time.Read More
Next, you have the method of getting a personal loan for a cheaper interest rate on consumer credit card debt. For this approach to work best, you need to have a strong credit standing. To optimize the savings that you can get, it is advisable to find a quicker term. When you blend the low-interest rate and the shorter loan term, you can lessen the interest charge amount that you have to pay over the loan. By doing this, you could take full advantage of the personal loan approach to consolidating debts.
Next, there's the home equity loan strategy, which is only workable if your home has sufficient equity. As much as possible, the equity should cover all your excessive-interest credit card debt. Furthermore, you need to come up with a strategy that can help you repay the home equity loan. If you can't make the monthly payments, then this approach puts your house in danger.
Justifications in support of and against debt consolidation loans in Grand Bay, #state;t#
It only is sensible to weigh out the advantages and drawbacks of debt consolidation before you can decide.
We can begin with looking at the advantages of debt consolidation loans.
It de-stresses your payments. This credit card debt strategy combines your many debts into just one. You'll no longer have several balances to deal with. You are unlikely to get stressed out with the easy monthly payment.
You have better conditions on your agreement. Typically, debt consolidation entails transferring or restructuring your multiple credit card accounts in to a new one. You can get more desirable conditions on the loan during this adjustment. You can find a shorter payment period or a far more versatile plan. You could save money on interest fees with a lower rate and quicker repayment.
You can find a smaller rate of interest within the new agreement. Among the most critical benefits of consolidation is receiving a cheaper interest. You should never opt for consolidation if a cheaper interest rate can not be found. It won't be sensible to transfer your present debt in to a newer one which has a higher interest.
Now, we'll check out some of the cons.
You may feel a unrealistic sensation of freedom from debt. It is a fact that you'll clear up your lines of credit through debt consolidation. Yet, this doesn't mean that you have repaid your credit card debt. You have merely moved the debt to a new loan balance. You'll still owe what you owed before, only restructured.
It might lead you to more debt. The temptation to use your credit cards, now that your credit lines are opened up, can bring about extra credit card debt in the long run. Since you still owe the very same sum, when you add more on your account, it will only increase your debt balances.
It does not get rid of the underlying reason for the problem. Debt consolidation is also something which will make your credit card debt payments less difficult - but it does not actually fix the problem that prompted you to get into financial debt. Much like a flu medication, you are only managing the symptoms, not the cause.
You might end up endangering your property. If, for example, you utilize your property as collateral, you set this house at risk of being forfeited to unpaid debt. Although home equity will help you find a lower rate of interest on the loan, this can place your assets in danger of being taken by the lender.
How should you begin applying for a credit card debt consolidation loan?
The steps to obtain a credit debt consolidation loan would depend on the particular kind of consolidation that you'll go after.
Debt consolidation through the personal loan method requires the very same application as any unsecured loan. You are going to fill out the standard application for the loan, anticipate a credit assessment to be carried out, then find out if you're accepted or denied for the loan. If you're approved, you move on to the next step in the application process and submit the info required. You might have the choice of working with an online application and sending in electronic digital versions of your information via e-mail or website.
After finishing the necessities, the lending company will perform a far more in depth underwriting procedure. You will get the loan amount once you've concluded the process and been accepted. Many lenders require you to begin an account with their organization - this is when they will post you the money you financed.
In case you decide on a home equity loan, the process is similar to a mortgage loan application form. The actual procedure concerned is similar to the approach involved with unsecured loan applications. In this course of action, your lender will also carry out a home and property estimation for the collateral. It is generally higher priced than requesting an unsecured loan.
Be aware that it is feasible for you to obtain the consolidation loan with your loan company or creditor. This makes the application process quicker and easier.
There are options for people with a bad credit score in Grand Bay, Alabama
There's 2 different ways to consolidate debt when you've got unfavorable credit ratings.
The first one is you will submit an application for either a conventional unsecured or secured financial loan. You must expect that in either loan, you're going to get a substantial interest rate because you will be deemed as being a risky applicant. Your bad credit shows the loan company that you do not demonstrate good habits with your previous credit accounts. Unsecured loans typically have a larger rate of interest than secured personal loans. You will generally receive lower rates if you protect the loan with collateral.
If you are not able to use the loan method, then you will have a second alternative. You'll be able to seek debt settlement. This is a wonderful choice for people that have poor credit scores and unsettled or defaulted debts.
It is an approach to negotiating for the chance to repay only a portion of the financial debt which you have. Although you can negotiate by yourself, it will be much easier to coordinate this method with a debt negotiation service. Once you've reached a deal to settle your debt for less than your balance, the financial institution or creditor pardons the remainder of the debt.
How Do I get a credit card debt consolidation loan in Grand Bay, Alabama with unfavorable credit ratings?
You've got two major alternatives if you'd like a debt consolidation loan that has a reduced interest rate. The first option is to possess a very good credit history reputation. You should reveal to the loan company that you're a dependable borrower and that you have displayed great payment habits with your prior credit balances. Your credit rating shows much when it comes to being approved for a lower interest loan.
The other method for you to get a lower interest rate debt consolidation loan is to obtain a secured personal loan. This generally will involve using your home equity. Through placing your home as collateral, the lender will feel more reassured that they'll get something if you happen to choose to go into default on your loan payments.
Attempting to consolidate your credit debt free of charge
The reality is, there's no company that offers a free of charge debt consolidation loan. You will always have interest charges to pay off on the financial loan. Next, there's the origination costs, although they are generally not very high. They are required for the company to check your credit report and complete your application form for a loan. You will provide for these kinds of needs with your application costs.
With a lot of consolidation loan companies in Grand Bay, Alabama, you get a free estimate. The rest of the process will cost money.
How do you pick the right consolidation business for you?
One of the best strategies to determine whether a business is respectable or not would be to look into its certifications. This is where you can see what companies and organizations the loan provider is associated with. Usually, such institutions should screen members before they accept their credentials. It is beneficial to understand what the company's requirements are for acceptance.
A few popular credentials that consolidation services seek include the following:
Better Business Bureau. This institution rates their Business Partners with their Better Business Bureau Business Partner Code of Conduct as a guide. You'll be able to view their site to learn about the debt consolidation provider, any kind of complications that people experienced with them, and the way they have addressed those problems.
American Fair Credit Council. This is an association of Consumer Credit Advocates which encourages best practices in the industry and promotes honest treatment of clients facing financial debt.
National Foundation for Credit Counseling. The focus of this institution is on assisting consumers and debt relief agencies to improve economic situations. The NFCC only welcomes partners that passed the accreditation of the Council on Accreditation.
International Association of Professional Debt Arbitrators. This agency helps to ensure that the debt arbitrators used by debt consolidation services are trained and certified to work for their customers.
You can also look into various other accrediting systems to get more information. These kinds of agencies are cautious regarding the affiliates and certifications they give out, so that you can be confident of a respectable service from their list.
Look into the consolidation provider's testimonials
Reading consumer reviews is yet another good way to learn about the consolidation agencies that you consider working with. You can find customer reviews everywhere online, including internet sites which are specially made for consolidation company review articles. A few are personal finance web pages or modern associations that highlight specific services.
These kinds of testimonials will reveal many things about a business, such as the price, the process, and the various accessible products and services. Your main priority, when examining customer reviews, should not be the expense. A great organization calls for more than merely reduced rates. Additional crucial elements include customer service and customer satisfaction.
You will also need to think about your own consolidation needs. Many services are quick to spotlight the low-interest rate but do not be misled. They could demand excessive service fees and stringent payment policies. Although a reduced rate of interest is important, you must be sure that the business you choose to deal with satisfies all of your requirements for debt consolidation.
Consolidating debts with a non-profit business
Although there are not for profit credit counseling services, there aren't any debt consolidation loan companies that are not involved for the profit. If a debt consolidation business promises to be not for profit, you'll want to be suspicious. All loan providers will require consumers to pay off above the sum of the borrowed funds. The company typically obtains their profits from administration costs and interest fees.
Rather than searching for non profit services, you'll want to concentrate on seeking those who will provide you with the best rate of interest and charges. To succeed with a consolidation loan, you should combine lower interest, a favorable credit record, and affordable service fees.
If you do ever see a service that promises to be non-profit for debt consolidation, you must be really wary and thorough with your investigation. It will appear to be an excellent discovery though there is typically a snare - sometimes they'll impose huge fees or they will simply con you for your hard-earned cash.
Who will you count on to consolidate debt in Grand Bay, Alabama?
Finding the very best consolidation loan providers isn't as complicated as it once was - thanks to the info you will find via the internet. The reality is, you won't have to spend a lot of time looking into lenders before deciding on one. The important thing is to fully understand your financial situation before choosing. This information can help you make the ideal choice for your needs.
One of the most well-liked methods for people that have a good credit rating is Lightstream. With this service, you'll be able to consolidate your personal credit card debt with an unsecured loan. There's stringent conditions, but when you satisfy them, you can get the best interest on the market. If you have a minimum of five years worth of credit, have obtained various debt forms and have a good credit score, then this is a great service to think about.
Those searching for rapid acceptance for a debt consolidation loan will be wise to look into Lending Club. This is a web based loan company that's well-liked for having a fast acceptance process. You may be able to get a borrowing arrangement within just two or three days. The 2 factors that can influence the pace of your loan approval are the amount you require and how great your credit score is. Don't get worried about transacting with a web based company - they have the most advanced safety procedures set up so all of your private economic information are safe.If you've got a bad credit score and a few of the loans you have to consolidate are in default, then National Debt Relief is the organization to call. This company is mainly a debt negotiation company that will help you make a deal with the loan provider, financial institution, or collector. The purpose of this negotiation approach is to handle your debts by paying just a percentage of the total balance. When they allow the offer, they will agree to pardon the remainder of your debt. You can lessen your debt and consolidate your credit card balances with this approach.
If you're looking for the most effective solution for debt consolidation in Grand Bay, Alabama, you should not need to look any further than these three top rated lenders.
Information on debt consolidation loans in zip code(s): 36541