text:
This project seeks to address cognitive disturbance, which is a frequent adverse sequelae of
riskreducing bilateral salpingo-oophorectomy (RRSO) with or without post-procedure
chemotherapy and adjunctive treatments. RRSO after completion of childbearing is recommended
for prevention of ovarian and breast cancer in women with BRCA1/BRCA2 mutations and standard
of care for women with some forms of hormone-responsive cancer. Knowledge regarding the
impact of this procedure, with or without chemotherapy, and subsequent hypogonadism on brain
health is less than adequate. Premenopausal women who undergo an acute surgical menopause
are at greater risk for verbal memory decline and executive function (EF) complaints, but as
of yet, we cannot predict who is going to experience these adverse sequelae, nor do we have
targeted prevention or treatment strategies other than hormone therapy, which is not an
option in many cases and not always effective. An idealized sample as women who are planning
for a RRSO will undergo brain imaging and behavioral assessments pre- and post-surgery as
well as pre-/post-treatment with E2 or the psychostimulant, lisdexamphetamine (LDX;
Inclusion Criteria:
Women ages 30 to 48 will be eligible for this study if they:
1. Have no previous or present history of a DSM-IV psychiatric disorder within the
previous year or substance dependence disorder within the previous 5 years
(psychostimulant abuse lifetime history), according to the Structured Clinical
Interview for Diagnosis- DSM-IV (SCID)-Non-Patient Version;
2. Planning to undergo an oophorectomy or full hysterectomy;
3. Are premenopaual (have a baseline follicle stimulating hormone level (FSH) of <20
4. Smoke < 10 cigarettes per day
5. Are right-handed;
6. Can provide proof of having had a gynecological exam and PAP test done within the
previous 3 years at the time of screening;
7. Can provide proof of having had a mammogram within the previous 12 months at the time
of screening;
8. Are able to give written informed consent;
9. Must have clear urine toxicology screen upon recruitment;
10. Are fluent in written and spoken English;
11. Negative urine pregnancy test.
Exclusion Criteria:
1. Mini-mental status exam score of less than or equal to 24;
2. Presence of a psychiatric disorder within previous year or a life time history of
ADHD or psychotic disorder including bipolar disorder, schizoaffective disorder and
3. Lifetime history of drug addiction or abuse, excepting nicotine;
4. Regular use of other psychotropic medication;
5. Regular use (more than once a week) of alcohol that is greater than 3 drinks per day;
6. Presence of a contraindication to treatment with stimulant medication; this would
include the presence of hypertension (controlled or uncontrolled), coronary disease,
atrial fibrillation, and arrhythmia;
7. History of seizures;
8. Presence of a contraindication to treatment with estrogen; this would include the
presence of a history of blood clots, and estrogen-receptor positive breast cancer;
9. Claustrophobia;
10. History of cardiac disease including known cardiac defect or conduction abnormality;
11. Abnormal electrocardiogram during screening;
12. Current pregnancy or planning to become pregnant;
13. Presence of a metallic implant
Principal InvestigatorC. Neill Epperson, MDUniversity of Pennsylvania
Philadelphia, Pennsylvania 19104United StatesThere is no listed contact information for this specific location.Site Status: N/A
| All trademarks are property of their legal owners. | All Rights Reserved
ClinicalConnection.com is a resource that provides information on clinical trials conducted worldwide.
ClinicalConnection.com does not conduct or endorse clinical trials. Please consult your physician before participating.
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Genomics in Molecular Medicine [ESP57]
Course highlights
EC points
Start date
End date
Course days
Monday to Friday (5 full days)
Prof. André Uitterlinden, Dr. Joyce van Meurs, Dr. Fernando Rivadeneira
Course fee
€ 940
Erasmus MC, Rotterdam NL
Familiarity with general genetic concepts.
- Genetic Epidemiology
ApplicationGo to the ESP website
Detailed information about this course:
Faculty: Prof. André Uitterlinden, PhD, Joyce van Meurs, PhD, Fernando Rivadeneira, MD PhD
Molecular genetics plays an increasingly important role in medical research. The course addresses various molecular principles relevant for genetic epidemiological research. Different approaches to localize disease genes will be discussed. Cloning of disease genes will be discussed from the bench point of view and with the use of modern bioinformatical methods.The course is particularly interesting for clinicians and epidemiologists who wish to be introduced in methods for identifying (complex) disease genes and its practical applications and basic knowledge of molecular biology.
- To understand the background of the application of molecular techniques in medicine and epidemiology
- To understand how disease genes are identified
- To be updated about advances in molecular genetics and population genomics
Participant profile
The course is particularly interesting for clinicians and epidemiologists who wish to be introduced in methods for identifying (complex) disease genes and its practical applications and basic knowledge of molecular biology.
Reduction on fees
PLEASE NOTE THIS DOES NOT APPLY TO THE RESEARCH MASTERS (120 EC points)
50% reduction on our fees for participating institutes of NIHES
This 50% reduction is offered to participants formally appointed at the departments or sections participating in NIHES.
University Medical Center Rotterdam/Erasmus University Rotterdam:
- Department of Epidemiology
- Department of Public Health
- Department of Psychiatry, Section of Medical Psychology and Psychotherapy
- Department of Child and Adolescent Psychiatry/Psychology
- Department of Medical Informatics
- Department of General Practice
- Erasmus School of Health Policy & Management
- Generation R
50% reduction on our fees for NIHES affiliated partners
This 50% reduction is offered to participants formally appointed at the following NIHES affiliated partners:
University Medical Center Rotterdam/Erasmus University Rotterdam, departments of:
- Dermatology
- General Paediatrics
- Plastic and Reconstructive Surgery
- Rehabilitation Medicine
Institute of Medical Education Research Rotterdam (iMERR)
Netherlands Cancer Institute/Antoni van Leeuwenhoek Hospital
- Department of Cancer Epidemiology
25% reduction on our fees for partner institutes of NIHES
For participants formally appointed at the following departments, institutes:
- Departments of Erasmus MC (except the departments mentioned above)
- Addiction Research Institute (IVO)
- Integraal Kankercentrum Zuid (IKZ)
- Pallas Health Research and Consultancy
- Municipal Health Service Amsterdam (GGD Amsterdam)
- Municipal Health Service Rotterdam (GGD Rotterdam)
- Havenpolikliniek
- Admiraal De Ruyter Ziekenhuis
25% reduction for all (international) PhD students
Please upload proof of enrollment as a PhD student in the application form.
25% reduction on our course fees (maximum 3 EC points per academic year) for all NIHES alumni
Please state that you are a NIHES alumnus/alumna and the academic year you graduated (remarks field). Please note that the reduction on fees for alumni does not apply to the Erasmus Summer Programme.


text:
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Have your oncologist speak with your psychiatrist to find a combo that neither inactivates nor potentiates (i.e., dangerously increases blood levels of) the meds or chemo. If your health system offers one, you might want to consult an oncopsychiatrist (not just for fine-tuning the meds but also for talk therapy specific to dealing with cancer).
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The Albanian flag consists of a silhouetted black double-headed eagle on a red background. It is officially known as Flamuri Kombëtar but bears the nickname flamur e Skënderbeut (the flag of Skanderbeg). The first version of the Albanian flag was adopted on November 28, 1443. The current version was made the official flag on 7 April 1992. There have been several variants of the Albanian flag, but nearly all featured the double-headed eagle.
The red color on the flag represents valor, bravery and the strength of the Albanian people. The double-headed eagle represents the sovereignty of Albania. The double-headed eagle is also found in the country's coat of arms.
The current version of the Albanian flag can be traced to the 15th century when Prince George Kastrioti (Skanderbeg) raised his flag in defiance of the Ottoman Empire. His kingdom resisted the Empire's rule until he died in 1468. The flag he raised bore a black eagle on a red background. In the late 19th century, Albanian Immigrants Faik Konitsa who lived in Belgium and Querim Panarity who resided in the U.S popularized Skanderbeg and revived the flag as a symbol of unity among Albanians. On November 28, 1912, Albania proclaimed independence from the Ottoman empire and the flag became popular among Albanians although several other variants were also unofficially used. On April 7, 1992 the flag was officially adopted as the national flag.
All previous versions of the Albanian flags consisted of the black eagle on a red background. However, the difference was brought about by deformations of the double-headed eagle. Between 1920-1925 the eagle had yellow beaks and feet. Between 1928–1939 the flag had a crown on top of the eagle. The longest serving flag of modern Albania consisted of the two-headed eagle on a red background and a five-sided star on the upper part - it lasted between 1946–1992 before it was replaced by the current flag.
This page was last modified on May 1st, 2018
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Presentation of the 13th July awards
Location: Gorica Villa
President of the Parliament of Montenegro Mr Ivan Brajović will present the 13th July Awards in Villa "Gorica" starting at 12h.
Jury for awarding the 13th July awards decided that the winners for 2019 are the following: Mr Dragan B. Perović, literary historian, Mr Božidar Šekularac, professor PhD, and Mr Pavle Goranović, writer.
The decision on laureates was adopted by the Jury, composed by Mr Rajko Todorović- Todor, President, and members Mr Miomir Vojinović, Mr Igor Lakić, Mr Ranko Milović and Ms Jadranka Selhanović.
The event is open to accredited media.
Event Properties
|Event Date
|12.07.2019. 12:00h
|Event End Date
|12.07.2019. 14:00h


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St Martin
Orient Beach Update – Nearly Two Years After Irma: Kakao Beach Bar and Restaurant (Video)
As Orient Beach comes to the end of this, it's first full phase of recovery from hurricane Irma, we take…Read More »
Orient Beach Update, Part 2 – Nearly Two Years After Irma: Bikini Beach Bar and Restaurant
Orient Beach is quintessential Saint Martin. If you've visited the island via cruise or air chances are extremely high you've…Read More »
Orient Beach Update – Nearly Two Years After Irma: Kontiki Beach Bar and Restaurant
Nearly two years after hurricane Irma hit Saint Martin, Orient Beach is bouncing back quite nicely. Mother nature has a…Read More »
Volunteers on St. Martin Coming Together to Help Kid's Dreams Come True – You Can Help Too!
Volunteers on the beautiful Caribbean island of St. Martin are working hard to help make sure kid's have a joyous…Read More »
OH MY WORD!! This Takeoff Over Sint Maarten's Maho Beach is Awesome! (Video)
I've seen some pretty cool landings and takeoffs at Sint Maarten's Princess Juliana International Airport, but this one has to…Read More »
Sint Maarten Cruise Traffic Hit Record Levels in May & June 2018, Still a Long Way to Go
It's no secret that cruise ships visiting Sint Maarten are crucial to the local economy. They bring in thousands of…Read More »
Isaac Continues to Weaken as it Tracks South of Saint Martin, Tropical Storm Watch in Effect
Isaac continues to track to the south of Saint Martin and has remained a tropical storm that continues to weaken.…Read More »
Watch: Saint Martin Featured on HGTV House Hunters International Episode
HGTV's popular series "House Hunters International" filmed an episode recently that focused on a couple planning to move from New…Read More »
Isaac Downgraded to Tropical Storm, Saint Martin Currently Outside of Watch/Warning Area
Just as quickly as Isaac turned into a hurricane, it has weakened slightly and is now considered a tropical storm…Read More »
About me
Watch: One Year After – A Video Tribute to SXM
When Irma slammed into Saint Martin one year ago there was no way to understand what things would look like…Read More »


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Event description
Key points
Learning How to slice with Cura
Learn a little about using Octo Print
Printing a personalized key chain
Basic computer skills are required.
Ages: 7 and up; up to 2 children per registration.
*Adult required to be with children during the event.
Supplied Materials
The plastic used to create the personalized key chain.
Members: Free Non-members (Public): $20
Privacy Policy
2591 Legacy Way,
Grand Junction, CO 81501


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Honda crowns its youngest marine Master Technician
Rupert Perry, 20, has qualified as the youngest ever Honda Marine master technician in the UK.
Rupert, 20, who is based at Rob Perry Marine in Axminster, has been working towards this accreditation for over three years at Honda's purpose-built skills training facility, The Honda Institute, and is currently the only Marine master technician in the UK.
In recognition of this achievement, Rupert was presented with an engraved torque wrench and certificate by Honda (UK)'s Marine Technical Trainer, Robert Day, on Friday 2nd December. The presentation took place at Rob Perry Marine, where Rupert has worked since leaving Woodroffe School in Lyme Regis at 18.
"The skills assessment took part over one intensive day," explains Paul Taylor, Honda Institute's Technical Training Manager. "Rupert underwent six tasks of 45-minutes each and had to pass all at over 70 per cent. He surpassed this, achieving 100 per cent in two of the tasks."
Rupert's assessments varied in complexity and were performed on Honda Marine outboard engines, which now range from 2.3 to 250 hp. The tasks were designed to test the technicians' diagnostic capabilities and forced them to trouble-shoot beyond the scope of the comprehensive Honda workshop manual.
Proud dad and Dealer Principal, Rob Perry, adds: "Becoming a master technician is proof of Rupert's technical abilities and confirms all of the hard work he has consistently put in over the years. We would also like to recognise all the help and support he's had from the Honda Institute and its fantastic team of trainers. Rupert demonstrates what can be achieved when you put your heart and soul into something."
Paul Taylor concludes: "This is a fantastic achievement by Rupert and we look forward to other Honda Marine technicians rising to the challenge to achieve this superb accolade."


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MANCHESTER -- Jose Mourinho has refused to rule out a move for Arsenal contract rebel Mesut Ozil.
The German playmaker is in the final year of his deal at the Emirates and will leave on a free transfer at the end of the season if new terms cannot be agreed.
Mourinho, who worked with Ozil for three years at Real Madrid, has previously hailed him as "the best No. 10 in the world." The Portuguese coach has struggled to find a player to fill the role at Old Trafford.
Henrikh Mkhitaryan, a £30 million signing from Borussia Dortmund 18 months ago, is expected to be left out of the squad again when Manchester United face Ozil's Arsenal at the Emirates on Saturday evening.
United have been linked with Ozil. And when asked directly whether he will try to sign the 29-year-old, Mourinho mischievously replied with a smile: "No comment."
Sources have told ESPN FC that Ozil has not made a decision about his future, but that he remains open to the idea of staying in the Premier League with another club.
Arsene Wenger has insisted Ozil and Alexis Sanchez, who is also into the last year of his contract, will not be sold in January -- although that resolve would be tested with offers in the region of £25 million for either player.
Mourinho is facing his own issue with Marouane Fellaini -- unavailable against Arsenal because of a knee injury -- set to be a free agent in the summer.
And he says players who run down their contracts are taking a risk.
He said: "Sometimes players decide to go in this direction, which is the right that they have, they gamble, they gamble because, you know, imagine one of these players has a big knee injury. If one of these players has one of these injuries, probably next season, he is without a club.
"Players have the right to do that and I don't blame the clubs because the clubs, they try.
"They try, they try, but the players they have the right to go into this type of situation and in many times it is good for them, because they sometimes go on a free transfer and they can get huge salaries, other times the clubs, to keep them, they make an extra effort and they go with them also to very high salaries.
"And I repeat, I am not speaking about Alexis or Ozil, I am speaking about the general situation even as managers some of us, we prefer to let the contract go until the last year and in the last year we make the decision to stay, to leave, you know, it's a risk for everyone, but sometimes, the risk works, and that's football."
Mourinho heads to Arsenal this weekend looking for his first away win at a top-six rival since taking over at Old Trafford.
So far seven Premier League games away from home against Arsenal, Manchester City, Chelsea, Liverpool and Tottenham have yielded three points and just one goal.
United lost 2-0 at the Emirates last season -- Wenger's first competitive win over Mourinho -- although the United manager suggested it was best to "forget" the result because of his decision to field a weakened team as he pursued the Europa League.
Mourinho, though, was complimentary about an Arsenal team who have won their last 12 league games at home. United need to win if they hope to keep pace with Manchester City, who face West Ham at the Etihad Stadium on Sunday.
"I think they defend very well," Mourinho said at a news conference on Friday.
"They defend better than they did recent years. I think they adapted well to play with the five defenders. I think they are strong.
"They are defending much better and they kept the good qualities in attack, with creativity, with combination football and the talent of key players. I think they are a good team."
Ozil has been a large part of that creativity, scoring one and making two more in the 5-0 win over Huddersfield on Wednesday.


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Can I keep track of my front panel data? I want to load values used in a previous run to the front panel programmatically.
Collaborate with other users in our discussion forums
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Pupils from a North Cheam primary school held a sleepout in their school's playground as they raised awareness about homelessness.
Teachers at St Cecilia's Catholic Primary School, in London Road, tried to add authenticity by giving them food and drinks, though others were "moved on".
Children also prepared for the experience by developing stories of how they ended up "homeless" and living on the street.
"It felt scary at first but, afterwards, we got used to it and we felt like we were actually experiencing being homeless," said Amelia.
"I feel it was a life-changing experience because we got to experience how some people are living today."
Parents also joined their children for a soup kitchen in the hall before they all went for prayer and reflection, led by the school's chaplains.
The event was held in collaboration with WE Day UK, which was attended by the Duke and Duchess of Sussex and St Cecilia's pupils at Wembley Arena back in March.
Children from the school, alongside thousands of others, pledged to make a difference for the future and enact social change.
They also asked for donations for Croydon Nightwatch as well, raising £1,050 in the process.
Some of it will go towards making emergency packs for homeless people, while the rest will be given to charity.
David Louridas, WE Schools' senior program manager, said: "Thank you all for running such a fantastic campaign and making a big impact in your local community."


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Ever wonder what's on the mind of today's most notable people? Well, don't miss our unbelievable roundup of the best and most talked about quotes of the day:
"I created Google because I needed a way to find the cheapest mittens. The irony is now I wear the most expensive mittens."
—Sergey Brin
On Google
"Boa constrictor. Yeah, that's a laugh. I couldn't even get one to constrict my grandma. And for most snakes, that'd be easy."
—Kat Dennings
On false truths
"If I'm in LA and I call my mom in New Jersey, I'm three hours behind her. We need a president who can change that."
—James Woods
On key issues


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- NewsHealthcare firm drops Azure, gains AWS partnership
- FeatureHIPAA privacy laws more relevant than ever
- FeatureAs HIPAA audits loom, most docs remain unprepared
- FeatureRadiology one specialty included in federal health IT programs
- TipTaking the pain out of EHR data migration process
- TipUsing the AWS Partner Network to choose a technology provider
- TipMissing chunk of Open Payments data raises concerns
Wilm Ihlenfeld - Fotolia
Missing chunk of Open Payments data raises concerns
Why up to one-third of Open Payments data won't be available in the public database is one reason supporters and detractors alike are prodding CMS.
- Reda Chouffani, Biz Technology Solutions
A new public website lets visitors look up information regarding gifts and payments given to teaching hospitals and physicians by device manufacturers and pharmaceutical companies. This data, collected in the CMS Open Payments system, is required by the Physician Payments Sunshine Act.
September 2014 marked the first time that data collected from August 2013 onward became available to the public. Many physicians and medical device manufacturers voiced their concerns about disclosing this data and sought a delay in the website's release.
Generally, their concerns focused on two topics: the sensitive information that could be taken out of context by patients and lack of confidence in the data. The uncertainty about the data quality stems from the fact that CMS has twice announced that some data would not be included in the data sets made available. CMS also experienced a hiccup during the physician-review portion of the Open Payments process. A physician who was checking his reported financial interactions noticed that the information of another physician of the same name was included in his record. This problem, among others, was troubling enough that life science trade associations PhRMA and AdvaMed took notice and submited their concerns in a letter to CMS.
In their letter, the trade associations noted that "CMS has announced that it intends to withhold as much as one-third of the data that was submitted by manufacturers … it is not clear why this volume of data is being withheld."
Those in favor of launching the site as planned argued it was too late in the process to stall the release. For example, several manufacturers had made considerable financial commitments in preparation for the launch, by training their sales team and customizing their sales systems to ensure proper tracking of payments to physicians. Although the Sunshine Act is seen by many as a way to encourage transparency, its effect on patients and CMS remains to be seen.
Historically, CMS has encountered technical difficulties with some of the Web technologies it has released to the public. Several of its websites, including Healthcare.gov and the Open Payments site have undergone significant downtime for maintenance. Another issue that remains unresolved is whether physicians will be able to access accurate data that relates to them, and if they will be able to contest any inconsistencies.
About the author:
Reda Chouffani is vice president of development at Biz Technology Solutions Inc., which provides software design, development and deployment services for the healthcare industry. Let us know what you think about the story; email email@example.com or contact @SearchHealthIT on Twitter.
Next Steps
Freedom of Information Act now applies to Medicare payments
CMS asks for public comment on Medicare reimbursement publication


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The awards at the 2018 Associations World Congress were announced at a glittering gala dinner in the Horta Grand Café and Art Nouveau room as part of an evening that had a theme based on the Flemish Masters and ground-breaking painters Rubens, Brueghel and Van Eyck.
The award winners were:
Best Association E-Newsletter: AOSpine
AOSpine is an international community of spine surgeons generating, distributing and exchanging knowledge to advance science and the spine care profession.
Best Social Media Campaign: International Society on Thrombosis and Haemostasis
The International Society on Thrombosis and Haemostasis advances the understanding, prevention, diagnosis and treatment of thrombotic and bleeding disorders.
Best Association Video: International Federation of Automotive Engineering Societies
FISITA is the international network for automotive engineers, creating pathways for future talent through its established links with the motor industry.
Arty: Flemish Masters theme
Best Membership Engagement: Institute of Directors in Southern Africa
IoDSA promotes corporate governance to maintain and enhance the credibility of directorship as a profession.
Executive Director of the Year: Angela Cherrington from Institute of Directors in Southern Africa
Best Website and Integration: Union for International Cancer
The union seeks to unite the cancer community to reduce the global cancer burden, promote greater equity, and integrate cancer control into the world health and development agenda.
Best Conference Development: World Endoscopy Organization
The World Endoscopy Organization is a non-profit organisation that leads on the promotion of high quality and safe digestive endoscopy worldwide.
Young Association Executive of the Year: Drilona Shtjefni from the European Biomass Industry Association
EUBIA supports the EU biomass industries, promoting the use of biomass, developing innovative concepts and fostering international co-operation.
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A myth says that entrepreneurship is all about breakthrough ideas, innovative thinking and God's grace. One must never measure success at the initial stage. Although there is no universal way of measuring it, but, being an entrepreneur, one gets successful not by the balance that gets credited in their banks at the end of the day, but by the number of lives that they are able to change through their product or service. The way to pay your debts back is by helping people and hoping that they help more people further. Entrepreneurs draw so much from the society and community that we live in, so they must think about ways to help more people.
Honesty and integrity is also a beneficial factor when it comes to the success of an entrepreneur. Everybody has a conscience and very few people listen to it. Whenever you hear a faint voice, telling you that you're actions or your words shouldn't be performed or said the way you are currently doing it, listen to that voice. A great strategy can do wonders for your startup, but your strategy won't make you win the game or battle, the way you tackle situations is what decides the future of your company. Flexibility is another factor that must be kept in mind. Adapting to changes and new innovations is one of most ignored factor.
Everybody gets their own ideas in situations of trouble or concern. You must not consider yourself to be superior to the people you work with, yes, you have authority over them, but they might have better ideas which would prove beneficial for your own startup. Moreover, learn to rely on your team. Find the smartest people to work for your startup who can nurture your strengths and furnish your core skills. It's true that people tend to like those who are similar to them, but try to find someone who isn't like you and is good at what he does – perhaps, what you can't do!
And as Mr. Lee Iacocca said, "The most successful businessman is the man who holds onto the old just as long as it is good, and grabs the new just as soon as it is better."


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For many people, buying a car is even more important than buying a house. Most people, who can afford a great house, call upon an estate agent and sometimes even consult a specialist in property trade. But, when buying a car, and more exactly a west car, people do the research on their own. This could take a lot of their free time because they will always find something better when they dig deeper. In the following part of the article, five tips will be offered to you in order to help you choose easily the west car of your dreams.
Step 1
1. Go to the dealership just to make an idea of how things are about the west car. Do not buy the west car after your first visit there! There are many things that you may not know, hence you need to look up information online or talk to people that bought the same car. The dealer has an amazing way of making you feel that the west car you want to buy is the best and no matter what, it is perfect for you.
Step 2
2. Try keeping an agenda with all the information you found. When you will go to the dealership, to the auto park or to someone who wants to sell his west car, you will be prepared and you will not have problems concerning small details about the car. If you do not get informed properly and try not to miss anything, you will be able to make a good deal.
Step 3
3. Compare prices and brands. If you really want to buy a certain type of west car, first you need to see what other options you might have. You may love a certain brand or you may love a certain type of car. For example, you may want a sport car with a powerful engine and you may also want it to be made by a certain manufacturer. It is possible that having both will not be the best option money wise or technical issues.
Step 4
4. Consider your needs. Even though it seems that you found the perfect car, ask yourself if it fits your priorities. A certain west car may be better for driving on short distances than another. It may also be better for driving on long distances, or it may not be proper if you need a family car and you decide to buy a sport car just because you find it great. So think twice before you purchase it!
Step 5
5. Be self-confident when talking to the salesman. A very important thing is not to show any signs of your inability to decide. The salesman must believe you know exactly what you want, that you are sure of yourself and you will get it. A tip is not to stand in front of him, but next to him and if that is impossible, because you are separated by a desk, then sit beside the desk.
Buying a west car is not as easy as it seems. After a house, a car is the second most important acquisition you will make. So, be patient, do some research, do not be ashamed to refuse and talk to as many people as you can in order to see their opinions. If you have a friend who is a good mechanic, your problem is half solved.


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Ping Pong Pig visits the Asia Society!February 24, 2019 at 11:41 am | Posted in Asia Society, Chinese festivals, Chinese New Year, Events, Uncategorized | Leave a comment
Tags: Asia Society Hong Kong, Books about Chinese history for kids, Books about Chinese Zodiac, The Chinese Calendar Tales, The Tale of Ping Pong Pig, The Year of the Pig
Ping Pong Pig and I visited the Asia Society yesterday for a lovely afternoon with some scrumptious kids, mums, dads and some fabulous grandmas! We had so much shouting to that plump little pig to "Run Pig Run!" or "Stay Pig Stay!" as the Minister of Most Important Things tried to track her down, and winning mini-pandas during my quiz! And the kids really learned their Ming Dynasty history too, with some impressively accurate answers to some of my tricky questions! Many thanks to the lovely Pauline Wong who hosted me for the event, and to CEO Alice Mong for asking me in!
Hear me read The Tale of Ping Pong Pig at the Asia Society this Saturday afternoon!February 19, 2019 at 10:50 am | Posted in Hong Kong events, Story Readings | Leave a comment
Tags: Asia Society Hong Kong, Books about Chinese Zodiac, Books about Pigs for kids, The Chinese Calendar Tales, The Tale of Ping Pong Pig, The Year of the Pig
On Saturday afternoon I'll be reading Ping Pong Pig's hilarious Tale at the Asia Society in Admiralty at a fun family event, and afterwards you can buy your own copy, and compete in a fun quiz for a cute baby panda toy! Find all the details here! You'll even get a FREE Year of the Pig bookmark! See you there!
A Big Fat "Happy Year of the Pig!" from Harry Harrison!February 11, 2019 at 3:27 pm | Posted in Chinese New Year, Chinese Zodiac | Leave a comment
Tags: Books about China for kids, Books about Chinese history for kids, Books about Chinese Zodiac, Chinese New Year, Far East Economic Review, Harry Harrison, South China Morning Post, The Guardian, The Year of the Pig
My friend Harry Harrison, who is the FABULOUS illustrator of the Chinese Calendar Tales, has asked me to post this very funny cartoon on my blog to wish all his fans a very Happy Year of the Pig! Harry is the famous cartoonist in the South China Morning Post as well as many other publications in the world, such as The Guardian newspaper in the United Kingdom and the Far East Economic Review. I'm so lucky that he illustrates my stories – and all the fans of the Chinese Calendar Tales are too! What can we say but Thank you Harry!
Another great visit to Stamford American International School…with an SCMP journalist!January 23, 2019 at 8:32 pm | Posted in Hong Kong Schools, media articles, School visits, Stamford American School Hong Kong, Story Readings, writing workshops for children | Leave a comment
Tags: Books about Chinese history for kids, Books about Chinese Zodiac, How to Write a Riveting Story, South China Morning Post, Sunday Post, The Tale of Chester Choi, The Tale of Ping Pong Pig, The Year of the Dragon, The Year of the Pig
Ping Pong Pig and I continued our funny and fabulous Hong Kong School tour on Tuesday afternoon with a visit to my friends at Stamford American International School in Ho Man Tin, where I am proud to be a Global Mentor. And this time I was accompanied by Fionnuala McHugh, a journalist for the South China Morning Post, who is writing a feature article for the Sunday Post for Chinese New Year!
After photos in the Activity Room, our terrific host Lisa Olinski introduced me to some lovely parents and younger kids who heard me reading my "youngest" book, The Tale of Chester Choi, and enthusiastically joined in with contributions as to how you chop off a dragon's head, especially if it's threatening your Dad! Then a lovely roomful of older kids and their parents heard my Tale of Ping Pong Pig, together with a whole lot of fascinating history about the third Ming Dynasty Emperor Zhu Di and his best friend the explorer Admiral Zheng He and his seven epic journeys in huge Treasure Boats as far as Africa!
Lastly, I gave my popular How to Write a Riveting Story workshop to the hardy mums and children who stayed on after the story reading! It was a busy, fun day, and wonderful to see this lovely school again! More photos to come!
Two faraway fans!January 20, 2019 at 2:42 pm | Posted in Fabulous fans!, Shanghai schools | Leave a comment
Tags: Books about China for kids, Books about Chinese Zodiac, The Chinese Calendar Tales, The Tale of Ping Pong Pig, The Tale of Rhonda Rabbit, The Year of the Pig, The Year of the Rabbit
I was so happy to hear this week from two of my lovely fans from far away! To the left is Renzo, dressed as Rhonda Rabbit for Book Week at the International School of Panama in Central America – fabulous costume Renzo! I trust that you're eating all your greens! And to the right is Zara from Texas in the United States with my latest book The Tale of Ping Pong Pig, and the rest of the Chinese Calendar Tales set! Zara met me many years ago at her school in Shanghai! Warm thanks to their dad Luis and mum Helen respectively for sending me these fabulous photos! A very early, happy Year of the Pig to you all!
A Piggy Reminder!!January 19, 2019 at 9:50 am | Posted in Book launches, Bookazine Exchange Square | Leave a comment
Tags: Books about Chinese Zodiac, The Chinese Calendar Tales, The Tale of Ping Pong Pig, The Year of the Pig
Ping Pong Pig is singing very enthusiastically at the top of her lungs today to remind you to register for her funny and fabulous Launch Party! It's next Saturday at 2pm at Bookazine Exchange Square, Shop 305-07 One Exchange Square Central! You can just turn up…but it would really help planning if you would register first! Here's the link! Just put Ping Pong Pig Launch in the subject box and say how many people are coming!
Here's a reminder of all the fun we're going to have!
A wonderful visit to UISG in Guangzhou!October 13, 2018 at 5:04 pm | Posted in Guangzhou schools, Utahloy International School of Guangzhou, workshops | Leave a comment
Tags: Books about China for kids, Books about Chinese Zodiac, How to Publish a Picture Book, The Chinese Calendar Tales
This week I made the train journey up to Guangzhou to visit the beautiful Utahloy International School of Guangzhou! (Utaloy is the rough pronunciation of Great Virtue in Chinese, I was told). There I was hosted by the lovely Head Librarian Chrissy Erwin (above), and we started the day with a latte on the balcony overlooking a river beside a forest, in the prettiest setting I have EVER seen for a school, in China or anywhere! It also had wonderful open air playing space for the kids, including a fabulous Dr Seuss tree for the little ones, and a pirate ship for the older kids! Here it is, crammed with P3 and P4 pirates and me!
Thanks Chrissy, and Kelly Phillips, her librarian colleague, for hosting me for a very special day of story readings from the Chinese Calendar Tales with all the primary school students, as well as the Grade 7 and Grade 8 students who learned How to Publish a Picture Book from Brilliant Idea to Final Product.
Above left, you can see me with Kelly Phillips, Chrissy Erwin, and the lovely new Primary Principal Michelle Jones to her right. On the right, you can see me with the fabulous library assistants team Betty Zheng, Haiqing Sun and Judy Li and "our" Chinese Zodiac animals! Below left, I am interviewed by the staff of the high school newspaper The Howl, while below right, you can see the wonderful Dr Seuss tree playground for the younger students.
And finally, just a couple of fun photos with the P3s – we had great fun with a Tale of Desmond Dog story reading and swearing the solemn oath to look at my website!
A Book Week visit at MLC in Melbourne!August 28, 2018 at 7:43 pm | Posted in Australian schools, Melbourne schools, Methodist Ladies College, Story Readings, workshops | Leave a comment
Tags: Australian Book Week 2018, Books about Chinese history for kids, Books about Chinese Zodiac, Chinese geography, Chinese history, Ching Shih, Qin Shi Huangdi, The Chinese Calendar Tales, The Tale of Desmond Dog
The subject of this year's Book Week in Australia was Find Your Treasure, and what better book to introduce to the fabulous girls of Melbourne Ladies College on 16th and 17th August than my latest Chinese Calendar Tale, The Tale of Desmond Dog, a story of pirates, treasure and an infamous Pirate Queen! On the 16th, all the girls from Grade 4 to Grade 6 joined the crew for a story reading, followed by a hearty lunch with the Book Bugs (top photo) who heard some Top Secrets about my next (and final) Chinese Calendar Tale for next year's Year of the Pig! In the afternoon I was delighted to meet wonderful Grade 3 student Hannah Thompson, the winner of the Grade 1 to 3 Category in my Dashing Dog Story Competition earlier this year (middle photo above), followed by a delightful Grade 1 student who is already writing lots of stories in her spare time (bottom left). The future of great writing from MLC alumni is clearly bright!
Then on the 17th, the Grade 6s took part in my brand new workshop entitled Geography is History: How topography shaped China's remarkable history! We talked about China's grasslands in the North (from which invaders came on horseback); its mountains and deserts in the West and North West (which formed a natural barrier both inwards and outwards); its fertile deltas in the East (which formed the first united China under Emperor Qin Shi Huangdi) and the seas beyond (from which trade came and went, and ultimately the incursion of foreign powers, and invasion of the Japanese navy, which together precipitated the End of Empire). I hope the girls found the subject as fascinating as I did!!
Huge thanks to my friend, and fabulous Junior School Head of Library, Tracey Ricchini, who you can just see at the back of the Book Bugs in the top photo! She made a fantastic Ching Shi, the evil (and real life) pirate queen from The Tale of Desmond Dog! More photos to come!
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AC Transit Implements ADA "Reasonable Modification" Rules
News Articles
Effective July 13, 2015, the U.S. Department of Transportation (DOT) revised its rules under the Americans with Disabilities Act (ADA) to specifically require transportation entities to make reasonable modifications/accommodations to policies, practices, and procedures to avoid discrimination and ensure that their programs are accessible to individuals with disabilities.
AC Transit maintains full compliance with the requirements of the ADA and is committed to making reasonable modifications to ensure that our services are accessible to everyone.
Requests for a reasonable accommodation or modification can be made via the AC Transit website, via downloadable form, or by calling AC Transit's Customer Relations Department at 510-891-4700 (or dial 711 for the California Relay Service).
See details on AC Transit's ADA compliance.
Read more about the new DOT rules.


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As many of you know, the Prince of Wales Hotels is a stunning hotel located in Niagara On The Lake. It is part of the 3 vintage hotels in the area and is a landmark of beauty and elegance. When I was shooting weddings I had many opportunities to see the hotel at night which really inspired me to go back and capture what you now see. The night I went out it had just finished raining and was a beautiful 15 degrees out. A nice warm spring night with absolutely no one in sight: Amazing! I was planning on shooting a variety of locations in NOTL and the Prince of Wales was my final stop. The image I captured is unique because of the reflection in the water. I can come back any night and get the same shot of the hotel at the same angle but I won't be able to get the same water/reflection.
This photo was captured as a long exposure over 33 seconds with my camera on the ground being proper up by my battery grip. You might be wondering why no tripod, well I did have one but it was too high to get the angle needed. My settings were ISO 100, 16mm, f/22 and 33 seconds. In all this was a massive success and a great image to start a conversation.


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#Tadhg Furlong
# tadhg-furlong - Yesterday's News
A new hooker and props applying pressure - Ireland's front row for the Six Nations
Who would you like to see Andy Farrell pick in jerseys number one to three in a week's time?
# tadhg-furlong - Friday 15 November, 2019
Back issue keeping Furlong sidelined as Leinster prefer Larmour for opener
Leo Cullen is in no rush to bring back his star tighthead.
# tadhg-furlong - Sunday 13 October, 2019
'They don't come around too often for me, so I'll make sure I gloat' - Furlong
The Ireland tighthead now has two tries in three World Cup starts in Japan.
# tadhg-furlong - Saturday 12 October, 2019
Watch: Three early tries hand Ireland perfect start against Samoa
Converted tries from Rory Best, Tadhg Furlong and Johnny Sexton put Ireland into a 21-0 lead against Samoa.
# tadhg-furlong - Thursday 10 October, 2019
Fines, Fukuoka and fried chicken cartilage - Furlong enjoying delights of Japan
The tighthead prop is set to return for Ireland against Samoa on Saturday.
# tadhg-furlong - Wednesday 21 August, 2019
Furlong focused solely on tighthead for World Cup this time around
The Leinster man also covered the loosehead side at the 2015 tournament.
# tadhg-furlong - Saturday 25 May, 2019
'We don't want to be a dejected dressing room again, especially so soon after'
Tadhg Furlong and Leinster have one final shot at glory for the season at Celtic Park this evening.
# tadhg-furlong - Friday 8 March, 2019
# tadhg-furlong - Friday 15 February, 2019
Porter returns to starting line-up as Leinster look ahead to Zebre clash
Jack McGrath, Dave Kearney and Ross Byrne are all handed starting berths, while Jack Dunne is in line to make his senior debut from the bench.
# tadhg-furlong - Monday 4 February, 2019
Pride dented but Furlong confident Ireland will find a response
Recovering from Saturday's disappointment is the true test for Joe Schmidt's side.
# tadhg-furlong - Monday 31 December, 2018
Lowe to face disciplinary panel following red card in Leinster's defeat to Munster
The Leinster wing was dismissed for an act of foul play during the Guinness Pro14 clash at Thomond Park.
# tadhg-furlong - Wednesday 12 December, 2018
Furlong demands Leinster hit another gear in Aviva showdown with Bath
The defending European champions have yet to hit their straps in the pool stages, but that leaves a lot of room for improvement.
# tadhg-furlong - Thursday 15 November, 2018
'There's nothing extraordinary here, just a humble farmer from Wexford'
26-year-old Tadhg Furlong feels the best is still ahead of him.
# tadhg-furlong - Wednesday 7 November, 2018
Joe Schmidt's Ireland: Increasingly big in New Zealand
The Kiwis have become more and more curious about Irish rugby in the past few years.
'The homework Tadhg does gets him into positions to play the way he does'
Argentina have historically been famed for their scrummaging but Ireland should be confident up front.
# tadhg-furlong - Sunday 14 October, 2018
'I don't think there's many front rowers who could do that in the world'
Tadhg Furlong's involvement in the build-up to Luke McGrath's second try for Leinster was impressive.
# tadhg-furlong - Saturday 4 August, 2018
'A guy doesn't get picked because he's too small. He might just be a late developer'
The new Rugby Academy Ireland is looking to give rugby players another route into the professional game.
# tadhg-furlong - Monday 18 June, 2018
Analysis: 'You don't want to annoy Tadhg Furlong when he wants the ball!'
Ireland were adaptive and intelligent in taking their two tries on Saturday in Melbourne.
# tadhg-furlong - Sunday 17 June, 2018
'It was the greatest cleanout I've ever seen, and I've seen a few cleanouts in my time'
Rob Kearney is confident Ireland can produce one last big effort in their 'final' against the Wallabies.
# tadhg-furlong - Saturday 16 June, 2018
'He's really deserving of that man-of-the-match award' - Furlong on fire
The Ireland tighthead was superb in the set-piece and in the loose against the Wallabies.
# tadhg-furlong - Thursday 14 June, 2018
'You kind of forget what losing feels like. It's a gut-wrenching feeling, it's horrible'
Tadhg Furlong is back in Ireland's starting XV and desperate to rediscover that winning feeling in Melbourne.
# tadhg-furlong - Saturday 12 May, 2018
Racing's Nakarawa pips Leinster trio to win European Player of the Year
Johnny Sexton, Scott Fardy and Tadhg Furlong had made the shortlist for the prize.
'You want to be able to stand over something from your time, and that drives you on'
Tadhg Furlong has won a Grand Slam and toured with the Lions, but today's Champions Cup final is one of the biggest games in his career.
# tadhg-furlong - Tuesday 24 April, 2018
Fardy and Furlong join Sexton in European Player of the Year shortlist
There are two Racing players in the five-man shortlist, Fiji lock Leone Nakarawa and French scrum-half Maxime Machenaud.
# tadhg-furlong - Monday 23 April, 2018
Pick your favourite out of these three brilliant nominees for Rugby Players Ireland Try of the Year
CJ Stander, Andrew Conway and Jacob Stockdale all made the shortlist, but there is a notable absentee.
# tadhg-furlong - Monday 19 March, 2018
Analysis: Tadhg Furlong's brilliance highlights ferocious Ireland forwards display
Dan Leavy, James Ryan, Tadhg Furlong and Iain Henderson will be cornerstones for some time yet.
Only 4 Irish players make the cut in Opta's Team of the Six Nations
Conor Murray was selected as the analysts' Player of the Tournament.
# tadhg-furlong - Sunday 18 March, 2018
Analysis: Schmidt's genius set-piece strike cuts England apart for Stander try
The Ireland head coach kept back this play for three years before it worked beautifully to help win a Grand Slam.
# tadhg-furlong - Saturday 17 March, 2018
'Joe came up with the move': Furlong on his fantastic hands to set up slick Stander try
126 kilos and still capable of the lightest of touches.
# tadhg-furlong - Friday 16 March, 2018
'We're under no illusion of what it means to the country, our families and where we're from'
Tadhg Furlong is primed and ready to go for an individual battle with two of his Lions team-mates tomorrow.
# tadhg-furlong - Tuesday 6 March, 2018
Tadhg Furlong declares himself fit and well for Ireland's clash with Scotland
The tighthead missed out on the win over Wales with a hamstring complaint.
# tadhg-furlong - Wednesday 21 February, 2018
'It can't be a risk, he has to be fully fit' - Furlong's hamstring a major worry
Andrew Porter and John Ryan are next in line for Joe Schmidt's team.
# tadhg-furlong - Tuesday 20 February, 2018
James Ryan fully fit while Furlong and Henderson are 'hitting their markers'
Andy Farrell says Ireland won't take any risks with their tighthead and second row.
# tadhg-furlong - Monday 19 February, 2018
Schmidt calls up Scannell, Cooney and Ringrose to Ireland's Six Nations squad
Meanwhile, Tadhg Furlong, Iain Henderson and James Ryan are progressing on the injury front.
# tadhg-furlong - Thursday 8 February, 2018
Furlong: 'There was a montage comparing it to some soccer goals!'
The Ireland tighthead has become increasingly comfortable at handling the ball.
# tadhg-furlong - Tuesday 23 January, 2018
Beirne among four Irishmen nominated for European Player of the Year
Conor Murray, Tadhg Furlong and Johnny Sexton are also in the mix.
# tadhg-furlong - Monday 22 January, 2018
A tackle that shows just how important Tadhg Furlong is to Leinster
The Ireland international is ludicrously mobile for a tighthead prop.
# tadhg-furlong - Wednesday 17 January, 2018
'I always enjoyed the saying 'look after your own shop' or 'if it's to be, it's up to me''
Tadhg Furlong is enjoying Leinster's offloading freedom but is still keeping his head down.
# tadhg-furlong - Friday 15 December, 2017
Furlong's stellar year rewarded as he signs new three-year IRFU central contract
The 25-year-old prop has been upgraded to a national contract ahead of the 2019 World Cup.
# tadhg-furlong - Monday 11 December, 2017
'If we want to be ambitious, we have to back it up' -- Tadhg Furlong
With 14 points on the board halfway through the pool stage, Leinster have the makings of a European champion.


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|» Products
|» Aluminum Hardware Spare Parts
|» Aluminum Hardware Spare Parts
Aluminium Hardware Parts have been fabricated with help of latest software-based machines thus ensuring their high reliability & durability. They find application as motor housing, spindle, shaft, & base plates. These parts are known to have good strength, structural stability, and ability to withstand high temperature. They are highly appreciated for assuring perfect fitting without much hassle. Aluminium Hardware Parts are completely suitable to be installed in machines that are intended to be used under extreme work environments.


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Let's face it, it's easy for us all to fall into a rut when it comes to living green. This July 4th, spark some change! We want to encourage you to start your own revolution and declare your independence from single use plastics. Simply avoid these single use plastics and help keep Hampton Roads, and America, beautiful.
- Plastic Bags. Keep a reusable bag with you at all times to avoid having to use those store-provided plastic bags. Reusable bags hold more goods and they're a lot more stylish than anything you would ever be handed from the local checkout line!
- Bottled Water. Why settle for expensive store-bought water when you can have fresh clean water from the tap for a thousandth of the cost? Grab a reusable bottle and fill 'er up with safe, healthy tap water!
- Straws. Just say "no" to plastic straws by refusing from waitstaff at restaurants and drive thru windows. Plastic straws are used for minutes or hours but take hundreds of years to decompose.


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BUJUMBURA February 20th (ABP) – The Minister of the Environment, Agriculture and Livestock, Mr. Déo-Guide Rurema, signed, on February 4, 2019, an ordinance prohibiting the planting of forest species that absorb much water, such as eucalyptus, in the perimeters of the water source protection, in the shallows and in the marshes. According to Article 1 of that ordinance, the purpose of the prohibition is to reduce the risk of drying up water sources and reducing the level of beds in streams, rivers and lakes.
For that ordinance, a source of water is defined as "a place of emergence on the surface of the ground where the water table is stored". In the case of marshes, the latter are depressed lands flooded or waterlogged permanently or intermittently. The ordinance states that the prohibition zone covers a width of 15 meters from the boundary that separates the shallow or the marsh and the side of the hill. In addition, according to the ordinance, forest species that consume a lot of water and planted in forbidden areas will be replaced by indigenous species whose species will be determined by the authorized forest services.
According to Article 5 of that Ordinance, "implementation is carried out by the Burundian Authority for Environmental Protection, the Provincial Offices of the Environment, Agriculture and Livestock, in collaboration with the territorial administration and local communities.


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The true cost of General Practice https://www.youtube.com/watch?v=qCQXzshP3ng&sns=em
Patient survey results - The Village Surgery scores top marks - click on link below
Need help with non clinical issues - please look at Community navigator tab in medical team
Winter weather can be bad for your health.
Here are ways you can stay well this winter:
-Keep warm, keep well.
-Get a flu jab if you are eligible.
-Wash your hands.
-Drink fluids, eat well.
-Keep your prescription medicines up to date.
-Look out for others.
-Ask advice from your pharmacist if you start to feel unwell.
-Call your GP or 111 if you need more help.
-For life threatening emergencies, call 999 (as at any other time of year).
Copyright 2006 - 2020 My Surgery Website | Privacy & Usage | Edit | Staff Home | Site Map | Accessibility | Site T&C's | Service T&C's


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We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
Compare free checking accounts today and save
Save more money with fee-free bank accounts
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Banks charge fees for a number of things — not meeting minimum balance requirements, using out-of-network ATMs, monthly maintenance fees and more. Finding a checking account that doesn't charge you fees can be tricky, but they do exist. But if you can't find a free checking account, many banks will waive fees if certain conditions are met. Compare free checking accounts and check out these tips to save on bank fees.
A full-service account with convenient, surcharge-free access to two massive ATM networks.
Editor's pick: BBVA Online Checking
Editor's pick: BBVA Online Checking
A full-service account with convenient, surcharge-free access to two massive ATM networks.
Compare free checking accounts
How do free checking accounts work?
A truly free checking account will waive the monthly fee no matter how much you deposit into the account. Here's how some popular checking accounts compare on monthly fees.
|Bank account
|Monthly fee
|Ally Bank
|No monthly fee.
|Bank of America Core Checking
|$12, avoidable if you make at least one qualifying Direct Deposit of $250 or more or maintain a minimum daily balance of $1,500 or more, or meet other conditions.
|BBVA Free Checking
|No monthly fee.
|Capital One 360 Checking
|No monthly account fee or ATM fee.
|Chase Premier Plus Checking
|$25, avoidable if an average beginning day balance of $15,000 or more in any combination of this account and linked qualifying deposits Footnote/investments or have a linked qualifying Chase first mortgage enrolled in automatic payments Footnote from your Chase account.
|Chase Total Checking
|$12, avoidable if Direct deposits totaling $500 or more made to this account or a balance at the beginning of each day of $1,500 or more in this account or an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying deposits/investments.
|Citibank Simple Checking
|$12, avoidable if you make one direct deposit per month and one bill payment per month, or maintain a $1,500 or higher monthly balance.
|HSBC Basic Banking
|$3, Regardless of balance, $0.35 for each check/withdrawal slip over 8, You may make an unlimited number of deposits without any additional charge.
|US Bank Easy Checking
|$6.95, avoidable if Combined monthly direct deposits totaling $1,000+ or an average account balance of $1,500+
|Wells Fargo Everyday Checking
|$10, avoidable if you make 10 monthly purchases/payments, make two direct deposits totaling $500 or more, hold a $1,500 minimum daily balance, or meet other qualifications.
Other free bank accounts may waive ATM fees, lost card fees and other fees or could offer cash back rewards. Most free checking accounts still have backend fees for certain transactions, like overseas withdrawals and international transaction fees.
|What fee do you want to avoid?
|Bank accounts that avoid this fee
|Monthly fees
|Domestic ATM withdrawal fees
|Overdraft fees
|International money transfer fees
Do free bank accounts earn interest?
It depends on the account. Most free accounts won't reward you with interest, though you might get lucky and come across one that does. If not, there are many free savings accounts that reward you with higher interest rates to help grow your balance.
How do I compare free checking accounts?
Read the fee-free conditions
Some bank accounts will waive monthly fees when you meet conditions like balance requirements or making qualifying direct deposits each month. Requirements and conditions may vary, so you should read the terms and conditions to ensure that you won't be charged.
Determine if your salary can cover the direct deposit
If an account requires a direct deposit each month, your paychecks may be enough to waive the monthly fee. Find out what the requirements are, then sign up for direct deposit with your employer.
Look at the other fees that apply
Free checking accounts will often waive the monthly service fee, but other fees could still apply. You may be charged for using your bank account overseas, sending or receiving wire transfers, ordering checks and more. Read the terms and conditions or fee schedule for a full breakdown of fees.
Linked debit card access
Many financial institutions will give you a debit card with a Visa or Mastercard logo, meaning you can use it at an ATM or for purchases. Beyond that, find out if you can link your debit card to other accounts.
ATM network and fees
Most banks charge a fee when you make an ATM withdrawal from an out of network ATM. You can save money by going with the financial institution with the largest ATM network, but you can also find banks that don't charge ATM fees.
Other products offerings
Find out if the institution offers other products so that you can do all of your banking in one place and make instant transfers between your accounts.
How to avoid fees
Whether you open a free checking account or find an account that will waive the monthly service charge, there are still other fees to watch out for. Here's how you can avoid getting charged fees on your checking account:
- Ensure you meet the conditions. If your bank will waive fees when certain conditions are met, ensure that you always meet the requirements.
- Get cash back from purchases. Instead of visiting an ATM, consider getting cash back when you make a purchase to avoid ATM fees.
- Avoid foreign transactions. Using your card abroad could rack up foreign transaction charges. Consider taking out cash before you travel, using a prepaid card or explore other types of travel money.
- Don't overcharge your account. You'll likely be charged about $35 every time you make a transaction that brings your balance below zero. While overdraft protection can ensure that these purchases are covered, you could rack up multiple charges in one day. Instead, consider setting up overdraft transfers, which uses money from a linked account to cover purchases when you have insufficient funds.
- Use in-network ATMs. Try to avoid using out of network ATMs, as you'll be charged by the ATM owner and again by your bank.
- Make sure your deposits go through. Returned item fees can eat into your monthly budget even though you did nothing wrong. Try to avoid depositing checks that might bounce, as you'll be on the hook for this fee.
- Pass on paper statements. Instead of getting a monthly statement in the mail, opt for online or e-statements and you could save a few dollars per month.
- Keep an eye on your transactions. Find out if your account has a transaction limit and make sure to stay below it to avoid unnecessary fees. On the contrary, make sure to make at least one transaction per month to avoid inactivity fees.
- Minimize wire transfers. Most banks charge for outgoing wire transfers, while some will even charge for incoming ones. If possible, try to use ACH or online transfers to avoid wire fees.
What are the pros and cons of free checking accounts?
- There are no monthly fees. By choosing a free bank account, you can save money every month.
- You get ATM access. Some give you deals on ATM transactions while others don't charge for transactions at non-partner ATMs.
- Other benefits. Waiving the monthly service fee is the least you should expect. Some bank accounts give you other incentives like cash back or free checks.
- You still get charged other fees. Unfortunately, truly free checking accounts aren't common. Banks will still charge for certain activities, like foreign transactions, going into overdraft or sending wire transfers. However, it's possible to get by without incurring any of these fees.
- You could give up perks. Free checking accounts are a low-cost option designed for people looking to save. By choosing this account, you might be giving up valuable features that might be worth paying a small monthly fee for.
Bottom line
Free checking accounts are a great way to cut down on your monthly expenses without sacrificing the convenience of a checking account. And while there are a handful of free checking accounts available, you can also find plenty that will waive the monthly fee when certain conditions are met. Compare bank accounts to find one that fits your financial situation.
Common questions about free checking accounts
Ask an Expert
2 Responses
Does bank of America have a fee free checking account if so where do I apply


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After tabling back-to-work legislation in the House of Commons, federal Labour Minister Lisa Raitt says she wants to see Canadian Pacific Railway trains moving again by Thursday. But transportation and commodity experts say it could take quite a while for CP's rail service to get back to normal once the strike is brought to an end. …Those in the primary sector, such as mining and forestry, may be feeling the strike's effects more deeply because of the sheer volume of products they ship per day, which makes shifting to road transport almost impossible. "They really will be stuck," said Bob Ballantyne, president of the Canadian Industrial Transportation Association.
Tree Frog Forestry News


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Provides information on how to apply for a licence for Animal Boarding, Dog Breeding, Pet Shops, Riding Establishments and Dangerous Wild Animals.
Find out how to deal with antisocial behaviour and nuisance in your neighbourhood.
An apprenticeship with Ipswich Borough Council is a great stepping stone to your career, giving you valuable experience in the workplace, your own income and recognised qualifications.
Area Committees give you the chance to raise your views, share your opinion and contribute to positive changes in your neighbourhood. As a resident of Ipswich, this is your opportunity to say what you would like to see improved.
Ipswich Borough Council © MMXX
Ipswich Borough Council, Grafton House,
15-17 Russell Road, Ipswich IP1 2DE


text: In the past three years, policymakers in almost every state have considered laws to ensure the safety of student data, and the US Congress is considering seven bills on student data privacy. At the same time, the Every Student Succeeds (ESSA) Act requires that states adopt evidence-based interventions to improve school performance. The education research to inform these interventions depends on access to student data. In Policymaking on Education Data Privacy: Lessons Learned, NASBE Director of Education Data and Technology Amelia Vance outlines key lessons policymakers should contemplate before taking action.


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Once again, plenty to do for kids and families in the beautiful, sunshiny, tulip-strewn Capital District!
Here's the weekend list, but as always, you can also check the Big Ol' List for regularly scheduled events. Headed outside? Don't forget that the farmers' markets are all outside now; or take a hike or visit a playground (and then tell me about it, pretty please).
All Weekend:
- Tulip Festival in Albany
- Baby Animal Daze begin at Indian Ladder Farm from on May 8th. Do you think that there's any chance that if you go on the first day, you'll beat the rush? Alas, probably not. $5/child, adults are free.
Friday evening, May 7:
- It's First Friday Albany from 5-9 pm. The Albany Art Room will be open late, too.
- It's First Friday in Ballston Spa from 6-9 pm.
- From 6-8:30 pm tonight, Globally Minded Teens and Tweens are invited to the Ballston Spa Location of the Capital Region Language Center to meet representatives of various fair trade & social justice activists as well as exchange students and other youth.
- There's a parade tonight in honor of Ballston Spa native and Olympian Trevor Marsicano. It steps off at 6:30 pm–see the TU's Ballston Spa Blog for details.
- It's Tween Night Out from 7-9 pm at William K. Sanford Library. Snacks, videogames, pizza–plan to bring $2. For kids in grades 5-8.
- Go on a Frog Watch at Five Rivers at 7 pm.
- The Brown School is performing Singin' in the Rain at 7:30 tonight and Saturday night, $5/person.
- At 7:30 pm, there's a free Trumpet and Organ Concert at the Saratoga Spring United Methodist Church. It's free.
- The movie Babies premieres tonight! I so want to see this–anybody else? I think that the only place locally that it's showing is at the Spectrum.
Saturday, May 8:
- From 7:30 to 9:30 am, take a Bird Walk at Albany Pine Bush. $2/person, $5/family; please pre-register.
- They're planning a free bird walk at Wilton Wildlife Preserve for today, but the time hadn't been set. Follow the link for a phone number to call (I didn't call, this time, out of a paranoid fear that it was the cell phone of a volunteer–it's late). Pre-registration is required.
- From 9 am to 4 pm there's a Car and Truck Show at Albany-Saratoga Speedway in Malta. $10 per carload, and it goes to charity. Rain date's Sunday.
- There are two Birding outings at Five Rivers today–one at 9 am, and a more kid-friendly version at 2 pm. Call to register.
- The Town of Sand Lake will have a morning parade of Things That Go. . . It didn't list the time, but vehicles will be meeting at Butler Park at 9 am.
- It's March for Parks starting at 9 amat Grafton Lakes State Park. 5k or 10k walk and a picnic.
- Starting at 9:30 am, it's the Waterford Riverspark Canal Festival. It's free, and Malta Mama's got more information.
- At 10:30 am at the Bethlehem Public Library, there's a session of Bring your Mom to Balletone. Bring your child in grade 2-12 with you and get a workout.
- At 11 am, there's a Scents Sense activity for kids 3 and up to do with an adult's help at the Children's Museum of Science & Technology. You'll learn about smells and make Mom some perfume. $2/non-member, and you need to pre-register. Also, moms and grandmas get into the museum for free today.
- From 11 am to 2 pm, it's the Busy Bone 500 at the Fairgrounds in Ballston Spa. Dog walk, pet tricks, and more. See the TU's Ballston Spa Blog (wow! twice in one post) for more information.
- At 1 pm, the Puppet People will be presenting a puppet show followed by a puppet-making craft at the Lansingburgh Branch Library. For ages 3 and over; call to register; space is limited.
- Learn about Pond Life at Up Yonda Farm at 1 pm. $4/person.
- At 2 pm, there's a Sitar and Vocal Concert at William K. Sanford (Colonie) Library.
- Members of the Empire State Youth Orchestra will present a concert at 3 pm at SUNY Albany. It's $10/adult, $6/student.
- At 6 pm at The Linda, there's a Youth FX Benefit Screening of teen filmakers' works. Suggested donation is $5-10.
Sunday, May 9:
- Starting today and continuing for one week, Clifton Park-Halfmoon parents or grandparent of a newborn up to 6 months can stop into the library for a special Books for Babies gift.
- From 10 am to 4 pm, Scoharie Valley Farms will have a Mother's Day Celebration.
- From 1-4 pm, there's Art for All at the Albany Institute of History & Art–they'll be making Fabric Collage Tulips. Speaking of the museum, they're selling tickets to a special Tulip Tea for next weekend–tickets might be a nice Mother's Day gift for someone.
- At the Arts Center of the Capital District in Troy, it's Family Day Sunday from 1-2:30 pm. Today's is Mother's Day Story Play. It's $5/child.
- Go For a Walk with Mom at the Albany Pine Bush at 1 pm. $2/person, $5/family; please pre-register.
Happy Mother's Day, everyone! And let me know about other weekend events via email or comments!