text:
We present credit card offers from the top banks and credit companies. Effective, enduring credit repair requires taking appropriate action with your creditors rather than simply creating ineffective disputes for credit bureaus CreditRepair.com is our choice for best tracking in credit repair. High interest rates and large if a credit card is closed can it be reopened monthly payments may have scared you away. Our free credit. “By paying off the balance with the highest. Banks William F. The list of the best cash-back credit cards below consists of products that offer the best return on unrestricted cash redemption The card is one of the simplest cash back credit cards you can have, which is perfect for busy entrepreneurs who value their time and don't want to bother managing their credit card rewards.
Credit scoring takes into account the age of the derogatory stain, and gradually discounts the value of that information the older it is Chapter 7 bankruptcies will stay on your credit report for ten years after filing. If the loan is in default, the car, truck or other vehicle can be repossessed. Need cheap and reliable credit card processing? Getting a new car loan has two predictable effects on your credit: It adds a hard inquiry to your credit report, which might temporarily shave a few points off your score A hard inquiry is what is used when someone applies for a credit card or loan. The best credit card is the Chase Sapphire Reserve because it has a great sign-up bonus and a travel rewards system that makes it easy to collect points Why It's the Best Travel Rewards Credit Card: In a word: Flexibility. While some lenders still offer loans to borrowers with a credit score of at least 620, going lower than that is already considered bad credit. With a larger credit limit on the card you keep, you're less likely to bump up against the credit limit than you would be on a lower-limit card, if a credit card is closed can it be reopened Herbst-Murphy says. All the credit bureaus allow you to dispute mistakes via mail and over the telephone, however, it's best to dispute credit report errors online. Gaming. Don’t Care.
While everyone likes a set of shiny new wheels, bargaining with dealers makes even shoppers with top-notch credit uncomfortable. This card is not available through ValuePenguin. Plus, the program is LOW COST. This Virgin Money* credit card offers 30 months at 0% with a 1.75% fee, and if you're accepted you'll definitely get the full 0% period, so it could be a better option than the card above if you can clear your balance within 30 months 2) Amex EveryDay Card from American Express – 0% intro APR on purchases and balance transfers for 15 months. The average income per person is just under $28,000, according to a US Census The average credit card balance is $6,348 for individuals with a credit card, according to Experian. Read on in the slides below to. Loan amounts above $10,000 will inevitably require “good” credit. The Target Credit Card credit score requirement is 640 or better. The FTC says that if you’re looking to reduce the interest rate you’re paying if a credit card is closed can it be reopened on your credit card purchases, your best bet is to handle it yourself for free: call the customer service phone number on the back of your credit card and ask for a reduced rate. As we all know, the credit score is the number one factor when it comes to getting approved for a loan. First PREMIER is popular for its subprime credit card offerings, which cater to the poor-credit ( credit scores below 650 ) consumer market The Aventium and Centennial credit cards, offered by First Premier Bank (or 1 st Premier), are among the very few credit cards offered to those with bad credit and may seem attractive to people. But it is possible to get a car loan with bad credit in 2018 — it’s just going to cost you, said Matt Jones, consumer advice editor for Edmunds, an online resource for car information based in Santa Monica, California Each offer features a short online application process geared towards getting you approved for an auto loan today.
Average credit card balance for the top 10 least populated cities. It was sold to a collection agency who I settled in full with Resolved: Credit One Bank – Terrible credit card Sep 14 I opened my acount in April of 2018 paid off and closed it in July 2018 paid a annual fee of 75.00 a if a credit card is closed can it be reopened annual fee is for a year and I am having problems with credit one bank to prorate the fee and send me back the difference. Credit Karma offers free credit scores, reports and insights. You can save the other two free reports, from the remaining bureaus, for a later date. After that, the variable APR will be 15.99% – 25.99%, based on your. Consolidation loans that will allow you to consolidate the entirety of your credit card balance will lower your credit utilization and raise your credit score One of the reasons why people with bad credit scores prefer debt consolidation loans is because debt consolidation companies spread out the loan payments over several years, up to 10 years and help lower the monthly payments. No cash advance fees.
The good news is that a large number of inquiries typically won't harm your credit score, assuming they're all for car loans.. 1 If you’re one of them, and you want to reduce your balance, the strategies if a credit card is closed can it be reopened below can help you figure out how to quickly pay off any credit card debt you have By Janna Herron/ValuePenguin. Make sure you choose a reputable credit agency to run the report.
Your credit report laid out beautifully. I made all my payments on time and paid off my car. Includes Improve My Credit USA Reviews, maps & directions to Improve My Credit USA in Humble and more from Yahoo US Local. If you regularly use your airline miles credit card for the majority of your purchases, your miles will add up faster than you think. I didn’t have an account with the original company that they claim to be collecting for Charter Communication is a ripoff and not verifying if someone's identity have been compromised. The three major credit bureaus are separate agencies, and work independently of one another, each using their own systems to calculate three separate credit scores which may differ from one another. A fraud alert is free. Many of the loans actually offer no money down opportunities, which means that you may be able if a credit card is closed can it be reopened to secure a no down payment house loan through them with relative ease Two of the most popular mortgage loans for first-time buyers are the USDA Rural Development loan and the VA (Veterans) Home Loan. 11.99% p.a. A credit card is a card issued by a financial company which enables the cardholder to borrow funds.
If that sounds like a good solution if a credit card is closed can it be reopened to you, check out the free debt analysis tool.
This will save money in the longest run and is the fastest if a credit card is closed can it be reopened way to reduce your debts.
Open date and status (paid in full, not paid in full, closed or open). It has to put the alert on your credit report and tell the other two credit bureaus to do so. Also, that is the only credit bureau you’ll get a free credit “score” from as if a credit card is closed can it be reopened well There are three national credit bureaus, including Experian, that are the most widely used and boast the largest databases of consumer credit information.
Trusted Credit Repair really helped me clean up my credit, and get a fresh start!” Callum R. I don’t know about you, but sometimes when I face a daunting task I waste energy and time For example, a cardholder who owes $15,956—the average if a credit card is closed can it be reopened amount of debt per household, according to Ben Woolsey, the director of marketing and consumer research for CreditCards.com, a credit-card–comparison site—will end up shelling out an additional $11,000 in total interest if she pays only the minimum each month Credit card debt can take years to pay off. With a HELOC, you are allowed to borrow as much money as you need 6 Best Uses for a HELOC Loan with Bad Credit.
A messy financial divorce is one example The steps to fixing your credit and credit scores will include getting a sense of your finances. By law, a credit reporting company can charge no more than $12.00 for a credit report Get Full Credit Report Maintaining a large number of credit cards you bring deeper into debt if you all use and just juggle payments to the minimum amounts for each. This video will explain those differences and how you Re: bank of america approval credit if a credit card is closed can it be reopened score Bank of America has been good to me. We will use this information to work with you and determine the best options available to you.
In fact, AnnualCreditReport.com was created by the credit bureaus as a one-stop-shop for providing your annual credit reports Over the past few years, more companies have started offering free, no-strings-attached credit scores. On the other hand, a lower credit score (like those seen for bad credit home loans) tends to warrant if a credit card is closed can it be reopened higher fees and interest rates for prospective home buyers. Secure Login.

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we present credit card offers from the top banks and credit companies. effective, enduring credit repair requires taking appropriate action with your creditors rather than simply creating ineffective disputes for credit bureaus creditrepair.com is our choice for best tracking in credit repair. high interest rates and large if a credit card is closed can it be reopened monthly payments may have scared you away. our free credit. “by paying off the balance with the highest. banks william f. the list of the best cash-back credit cards below consists of products that offer the best return on unrestricted cash redemption the card is one of the simplest cash back credit cards you can have, which is perfect for busy entrepreneurs who value their time and don't want to bother managing their credit card rewards.
credit scoring takes into account the age of the derogatory stain, and gradually discounts the value of that information the older it is chapter 7 bankruptcies will stay on your credit report for ten years after filing. if the loan is in default, the car, truck or other vehicle can be repossessed. need cheap and reliable credit card processing? getting a new car loan has two predictable effects on your credit: it adds a hard inquiry to your credit report, which might temporarily shave a few points off your score a hard inquiry is what is used when someone applies for a credit card or loan. the best credit card is the chase sapphire reserve because it has a great sign-up bonus and a travel rewards system that makes it easy to collect points why it's the best travel rewards credit card: in a word: flexibility. while some lenders still offer loans to borrowers with a credit score of at least 620, going lower than that is already considered bad credit. with a larger credit limit on the card you keep, you're less likely to bump up against the credit limit than you would be on a lower-limit card, if a credit card is closed can it be reopened herbst-murphy says. all the credit bureaus allow you to dispute mistakes via mail and over the telephone, however, it's best to dispute credit report errors online. gaming. don’t care.
while everyone likes a set of shiny new wheels, bargaining with dealers makes even shoppers with top-notch credit uncomfortable. this card is not available through valuepenguin. plus, the program is low cost. this virgin money* credit card offers 30 months at 0% with a 1.75% fee, and if you're accepted you'll definitely get the full 0% period, so it could be a better option than the card above if you can clear your balance within 30 months 2) amex everyday card from american express – 0% intro apr on purchases and balance transfers for 15 months. the average income per person is just under $28,000, according to a us census the average credit card balance is $6,348 for individuals with a credit card, according to experian. read on in the slides below to. loan amounts above $10,000 will inevitably require “good” credit. the target credit card credit score requirement is 640 or better. the ftc says that if you’re looking to reduce the interest rate you’re paying if a credit card is closed can it be reopened on your credit card purchases, your best bet is to handle it yourself for free: call the customer service phone number on the back of your credit card and ask for a reduced rate. as we all know, the credit score is the number one factor when it comes to getting approved for a loan. first premier is popular for its subprime credit card offerings, which cater to the poor-credit ( credit scores below 650 ) consumer market the aventium and centennial credit cards, offered by first premier bank (or 1 st premier), are among the very few credit cards offered to those with bad credit and may seem attractive to people. but it is possible to get a car loan with bad credit in 2018 — it’s just going to cost you, said matt jones, consumer advice editor for edmunds, an online resource for car information based in santa monica, california each offer features a short online application process geared towards getting you approved for an auto loan today.
average credit card balance for the top 10 least populated cities. it was sold to a collection agency who i settled in full with resolved: credit one bank – terrible credit card sep 14 i opened my acount in april of 2018 paid off and closed it in july 2018 paid a annual fee of 75.00 a if a credit card is closed can it be reopened annual fee is for a year and i am having problems with credit one bank to prorate the fee and send me back the difference. credit karma offers free credit scores, reports and insights. you can save the other two free reports, from the remaining bureaus, for a later date. after that, the variable apr will be 15.99% – 25.99%, based on your. consolidation loans that will allow you to consolidate the entirety of your credit card balance will lower your credit utilization and raise your credit score one of the reasons why people with bad credit scores prefer debt consolidation loans is because debt consolidation companies spread out the loan payments over several years, up to 10 years and help lower the monthly payments. no cash advance fees.
the good news is that a large number of inquiries typically won't harm your credit score, assuming they're all for car loans.. 1 if you’re one of them, and you want to reduce your balance, the strategies if a credit card is closed can it be reopened below can help you figure out how to quickly pay off any credit card debt you have by janna herron/valuepenguin. make sure you choose a reputable credit agency to run the report.
your credit report laid out beautifully. i made all my payments on time and paid off my car. includes improve my credit usa reviews, maps & directions to improve my credit usa in humble and more from yahoo us local. if you regularly use your airline miles credit card for the majority of your purchases, your miles will add up faster than you think. i didn’t have an account with the original company that they claim to be collecting for charter communication is a ripoff and not verifying if someone's identity have been compromised. the three major credit bureaus are separate agencies, and work independently of one another, each using their own systems to calculate three separate credit scores which may differ from one another. a fraud alert is free. many of the loans actually offer no money down opportunities, which means that you may be able if a credit card is closed can it be reopened to secure a no down payment house loan through them with relative ease two of the most popular mortgage loans for first-time buyers are the usda rural development loan and the va (veterans) home loan. 11.99% p.a. a credit card is a card issued by a financial company which enables the cardholder to borrow funds.
if that sounds like a good solution if a credit card is closed can it be reopened to you, check out the free debt analysis tool.
this will save money in the longest run and is the fastest if a credit card is closed can it be reopened way to reduce your debts.
open date and status (paid in full, not paid in full, closed or open). it has to put the alert on your credit report and tell the other two credit bureaus to do so. also, that is the only credit bureau you’ll get a free credit “score” from as if a credit card is closed can it be reopened well there are three national credit bureaus, including experian, that are the most widely used and boast the largest databases of consumer credit information.
trusted credit repair really helped me clean up my credit, and get a fresh start!” callum r. i don’t know about you, but sometimes when i face a daunting task i waste energy and time for example, a cardholder who owes $15,956—the average if a credit card is closed can it be reopened amount of debt per household, according to ben woolsey, the director of marketing and consumer research for creditcards.com, a credit-card–comparison site—will end up shelling out an additional $11,000 in total interest if she pays only the minimum each month credit card debt can take years to pay off. with a heloc, you are allowed to borrow as much money as you need 6 best uses for a heloc loan with bad credit.
a messy financial divorce is one example the steps to fixing your credit and credit scores will include getting a sense of your finances. by law, a credit reporting company can charge no more than $12.00 for a credit report get full credit report maintaining a large number of credit cards you bring deeper into debt if you all use and just juggle payments to the minimum amounts for each. this video will explain those differences and how you re: bank of america approval credit if a credit card is closed can it be reopened score bank of america has been good to me. we will use this information to work with you and determine the best options available to you.
in fact, annualcreditreport.com was created by the credit bureaus as a one-stop-shop for providing your annual credit reports over the past few years, more companies have started offering free, no-strings-attached credit scores. on the other hand, a lower credit score (like those seen for bad credit home loans) tends to warrant if a credit card is closed can it be reopened higher fees and interest rates for prospective home buyers. secure login.


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Please select a ticket, but hope that it works.
AGGRIEVED passengers are emerging winners in challenges to fines handed out by Yarra Trams ticket inspectors.
The company withdrew almost a third of 10,609 fines contested by passengers in the year to February.
The Public Transport Users Association said yesterday many people never challenged fines because they felt they had little hope of winning.
"Who knows how many people never bothered to write in and contest a fine because they didn't think it was worth it," association president Daniel Bowen said.
When tram passengers are given an infringement notice by an inspector, it is ultimately passed to the Department of Infrastructure, which decides whether a fine will be imposed.
"The percentage of infringement notices contested by letter has fallen in recent years," a department spokesman said.
"The overwhelming majority of public transport patrons do the right thing and pay the appropriate fare for their journey."
Of 65,587 tickets issued to tram travellers in the year to February, 10,609 were con- tested, with 3382 ultimately withdrawn, most with a warning issued.
Only 213 travellers got off without even a warning notice.
Of all those fined on trams last year for not having a valid ticket, only 346 people went to court to fight.
The department would not say how many people who contested fines in court were successful, but sources in the department said that last year not one court challenge to a ticket had been successful.
Across the entire transport network, 162,733 fines were issued for ticket and behavioural offences in the year to February.
This was a substantial increase on recent years. In 2005, around 125,000 fines were issued for fare evasion.
"We know that fare evasion continues to be a major problem, so I'm not surprised there are so many fines across a year," Mr Bowen said.
Metlink head Bernie Carolan said the thousands of warnings sent out to those passengers that had challenged tickets did not mean that ticket inspectors had made a mistake.
"We hope that the recipients of such warnings still learn from the experience," Mr Carolan said.

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please select a ticket, but hope that it works.
aggrieved passengers are emerging winners in challenges to fines handed out by yarra trams ticket inspectors.
the company withdrew almost a third of 10,609 fines contested by passengers in the year to february.
the public transport users association said yesterday many people never challenged fines because they felt they had little hope of winning.
"who knows how many people never bothered to write in and contest a fine because they didn't think it was worth it," association president daniel bowen said.
when tram passengers are given an infringement notice by an inspector, it is ultimately passed to the department of infrastructure, which decides whether a fine will be imposed.
"the percentage of infringement notices contested by letter has fallen in recent years," a department spokesman said.
"the overwhelming majority of public transport patrons do the right thing and pay the appropriate fare for their journey."
of 65,587 tickets issued to tram travellers in the year to february, 10,609 were con- tested, with 3382 ultimately withdrawn, most with a warning issued.
only 213 travellers got off without even a warning notice.
of all those fined on trams last year for not having a valid ticket, only 346 people went to court to fight.
the department would not say how many people who contested fines in court were successful, but sources in the department said that last year not one court challenge to a ticket had been successful.
across the entire transport network, 162,733 fines were issued for ticket and behavioural offences in the year to february.
this was a substantial increase on recent years. in 2005, around 125,000 fines were issued for fare evasion.
"we know that fare evasion continues to be a major problem, so i'm not surprised there are so many fines across a year," mr bowen said.
metlink head bernie carolan said the thousands of warnings sent out to those passengers that had challenged tickets did not mean that ticket inspectors had made a mistake.
"we hope that the recipients of such warnings still learn from the experience," mr carolan said.


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Longtime South Plains College Athletic Director Joe Tubb recently was honored at Texan Dome in recognition of his induction into the Western Junior College Athletic Conference Hall of Fame.
He as presented with a plaque during halftime of the men’s basketball game against Howard College on Feb. 8.
Tubb served as the athletic director at SPC for 33 years before he retired in 2015.
During those 33 years, Tubb had overseen 42 NJCAA Championships in men’s and women’s track and field, cross country, half-marathon, and men’s basketball. Under Tubb’s direction, the Texans and the Lady Texans basketball teams have claimed a combined 15 WJCAC championships and five tournament titles. The college has also hosted 14 National Junior College Athletic Association championship events under Tubb, such as the 2016 Outdoor Track and Field National Championship meet, in which the Texans made collegiate history by capturing their 10th consecutive Outdoor national championship.
At SPC, Tubb was in charge of supervising all sports programs and coordinating activities designed to promote athletics at the college. Tubb was also responsible for events hosted by the college at the Texan Dome, including both intramural and recreational programs at SPC and Texas High School University Interscholastic League (UIL) events.
Tubb also served a three-year term as president of the NJCAA, where he was responsible for presiding over annual executive and special meetings for the nation’s second largest intercollegiate athletic association.
Tubb was instrumental in the growth of two-year collegiate athletics during his time at SPC. He received the highest honor bestowed by the National Alliance of Two-Year Collegiate Athletic Administrators, the L. William Miller Award. He was also named Athletic Director of the Year by the National Association of College Athletic Directors.
Tubb said he misses his time at SPC and all he did while here.
Next NASA trip provides STEM students with educational opportunity.

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longtime south plains college athletic director joe tubb recently was honored at texan dome in recognition of his induction into the western junior college athletic conference hall of fame.
he as presented with a plaque during halftime of the men’s basketball game against howard college on feb. 8.
tubb served as the athletic director at spc for 33 years before he retired in 2015.
during those 33 years, tubb had overseen 42 njcaa championships in men’s and women’s track and field, cross country, half-marathon, and men’s basketball. under tubb’s direction, the texans and the lady texans basketball teams have claimed a combined 15 wjcac championships and five tournament titles. the college has also hosted 14 national junior college athletic association championship events under tubb, such as the 2016 outdoor track and field national championship meet, in which the texans made collegiate history by capturing their 10th consecutive outdoor national championship.
at spc, tubb was in charge of supervising all sports programs and coordinating activities designed to promote athletics at the college. tubb was also responsible for events hosted by the college at the texan dome, including both intramural and recreational programs at spc and texas high school university interscholastic league (uil) events.
tubb also served a three-year term as president of the njcaa, where he was responsible for presiding over annual executive and special meetings for the nation’s second largest intercollegiate athletic association.
tubb was instrumental in the growth of two-year collegiate athletics during his time at spc. he received the highest honor bestowed by the national alliance of two-year collegiate athletic administrators, the l. william miller award. he was also named athletic director of the year by the national association of college athletic directors.
tubb said he misses his time at spc and all he did while here.
next nasa trip provides stem students with educational opportunity.


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The Janadirya National Women Development Foundation had made us aware of the following two schools in the Hambantota district in Southern Sri Lanka. We met the principal and teachers of these two schools, and they introduced specifically those children to us, whose lives were changed forever by the tsunami.
Many of the breadwinners of families who live further inland had made the journey to the markets in the coastal cities on December 26, 2004, which was a Sunday and a holiday, and they were surprised and killed by the tsunami, leaving their broken families without income.
We decided to support these children and their families individually, as well as the needs of their schools, i.e. schoolbooks, school uniforms, water supply, since they were poor and under equipped already before the tsunami.

lowercased:
the janadirya national women development foundation had made us aware of the following two schools in the hambantota district in southern sri lanka. we met the principal and teachers of these two schools, and they introduced specifically those children to us, whose lives were changed forever by the tsunami.
many of the breadwinners of families who live further inland had made the journey to the markets in the coastal cities on december 26, 2004, which was a sunday and a holiday, and they were surprised and killed by the tsunami, leaving their broken families without income.
we decided to support these children and their families individually, as well as the needs of their schools, i.e. schoolbooks, school uniforms, water supply, since they were poor and under equipped already before the tsunami.


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Checking up on the hybrid front, I found that the Acura ILX hybrid for 2014 is finally on sale, as of Tuesday, and an Accord hybrid, which I didn’t even know about, goes on sale at the end of this month. Unfortunately, Honda’s main vehicle Web sites didn’t tell me that — I had to dig through press releases. (This underscores the incompetence of automaker management; can you think of a technology company that would put a product on sale before their Web site had any information about it?) Hyundai is still running behind on nearly their whole lineup, including the Sonata hybrid.
Meanwhile, I’m still thinking about that 370Z that I’m probably not going to buy. I wasted a couple of hours searching on Nissan’s (awful) Web site to see which dealers actually had the model I was interested in; there are four dealers that have them, all in red and black, none with autobox, so there’s no chance I’ll end up test-driving one (unless there’s someone in New Hampshire or Rhode Island that has one). I might go find the nearest 6MT, which is in Stoneham, just to see if I can even fit in the thing, and maybe talk to a salesperson about why they’re so limited around here. Note to automakers: don’t make me select each one of thirty different dealers to find out that they don’t have what I’m interested in, just tell me which f’ing dealer does, and how far away they are.
Aside | This entry was posted in Transportation and tagged 370z, accord, acura, cars, honda, hybrids, ilx, new car 2013, nissan. Bookmark the permalink.

lowercased:
checking up on the hybrid front, i found that the acura ilx hybrid for 2014 is finally on sale, as of tuesday, and an accord hybrid, which i didn’t even know about, goes on sale at the end of this month. unfortunately, honda’s main vehicle web sites didn’t tell me that — i had to dig through press releases. (this underscores the incompetence of automaker management; can you think of a technology company that would put a product on sale before their web site had any information about it?) hyundai is still running behind on nearly their whole lineup, including the sonata hybrid.
meanwhile, i’m still thinking about that 370z that i’m probably not going to buy. i wasted a couple of hours searching on nissan’s (awful) web site to see which dealers actually had the model i was interested in; there are four dealers that have them, all in red and black, none with autobox, so there’s no chance i’ll end up test-driving one (unless there’s someone in new hampshire or rhode island that has one). i might go find the nearest 6mt, which is in stoneham, just to see if i can even fit in the thing, and maybe talk to a salesperson about why they’re so limited around here. note to automakers: don’t make me select each one of thirty different dealers to find out that they don’t have what i’m interested in, just tell me which f’ing dealer does, and how far away they are.
aside | this entry was posted in transportation and tagged 370z, accord, acura, cars, honda, hybrids, ilx, new car 2013, nissan. bookmark the permalink.


text:
Browsing articles from "4月, 2013"
I mean, seriously lousy weather yesterday and today or what? Where’s Spring gone?! Great picnic day on Sunday, viewing cherry blossom at Ebigawa in Funabashi, can’t believe how quickly the weather’s switched.

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browsing articles from "4月, 2013"
i mean, seriously lousy weather yesterday and today or what? where’s spring gone?! great picnic day on sunday, viewing cherry blossom at ebigawa in funabashi, can’t believe how quickly the weather’s switched.


text:
About three years ago we launched a new website with a new logo. At The/Studio we are never satisfied and always striving to become better, so we decided to improve our logo more than a year ago.
Although our websites is definitely one of the better sites for custom products, we don’t judge ourselves based on other companies within the industry, but rather we judge ourselves against amazing brands that we aspire to one day be compared to such as Nike, or Starbucks. In early January we decided to redo our website and we decided to work with a designer that we had worked with in the past.
However, the project was a complete disaster. The designer just couldn’t get a design together that would make it worth the effort of redoing the entire website again. We have been through website redesigns before, and it is an extremely involved process that requires an enormous amount of resources.
We decided to start looking for another design firm. My assistant and me literally emailed and spoke to over one hundred different design firms. What we realized was that not only did we need to redo our website, but we really needed to redo our entire branding. If we wanted our customers, other companies and the media to truly respect who we were and the ambitions of our company, we felt that it was important to refresh our entire branding.
We went through the same process of pouring over hundreds of branding and design firms, and we had another epiphany. It was also necessary that we actually work with all of the managers in the company and decide who we were, who we have become and what we want to be. We felt that without this document it would be very difficult for us to effectively work with a design company. This is what we came up with.
Our brand is our promise to our customers and also defines the expectations that we have for our staff and vendors. Our brand will not be strong unless the entire organization understands and embraces these principles.
In addition we see this initial document as an opportunity to remake ourselves and insist on perfection throughout the organization.
We are focused on creating a complete platform that allows customers to produce fashion quality custom apparel and accessories. We put all of our resources into building a community of people with ideas, designers to design, factories to bring to life those ideas, our staff to ensure a frictionless process and the support of consumers that believe the world is made more interesting when ideas are turned into products.
The/Studio is revolutionizing how people design, manufacture, and sell custom apparel and accessories. Fashion will no longer be dictated by large corporations in distant board rooms. We believe that fashion should represent the pure expression of the communities that you belong to. The/Studio will continuously build tools to empower communities to make custom apparel and accessories that inspire them.
We won‘t rest until individuals can create an entire line of apparel, fire departments can reinvent their uniforms, sports teams can create custom gifts for their fans, companies and organizations can communicate their image. All achievable through The/Studio’s ever-growing infrastructure of world-class designers, cutting edge production machines, and game-changing community sales platforms.
Currently if someone wants to make a truly custom product there are numerous barriers to doing this.
One option is to go to a site such as CafePress or Zazzle. But they don’t offer true customization, and the quality is inferior. They only offer printing on already manufactured products.
Another option is to use Alibaba, but Alibaba is notorious for having a very poor user interface, and even if you can get an answer from the factory its almost impossible to produce small quantities, and good communication is lacking at best.
Also when dealing with factories from abroad there are true risks of poor quality and sometimes outright fraud.
The other option is to find smaller US companies that produce particular products such as custom caps. They also tend to have higher minimum order requirements, their user experience is not good, and they only offer one or a few products instead of an entire platform to produce apparel and accessories.
If the customer is not a designer or doesn’t have access to a designer, then they can’t even participate in the ability to make a product.
Our solution is to gain a loyal and expanding group of customers that want to make custom products and provide them with a user friendly platform to create these products. The manufacturers we work with generally won’t agree to do small orders, but because our platform is efficient and we can provide them with consistent business, they are able to profitably build out production lines to produce highly customized orders.
Because of technology the trends in both China and the US point towards factories becoming smaller and more nimble which benefits our model.
There is a trend towards consumers moving away from mass manufactured products made by large brands. We will create a community that helps individuals and businesses easily make products, while at the same time creating an online space for consumers interested in these products.
Our dream is for anyone in the world to be able to produce and design fashion quality custom apparel and accessories and eventually other products using their computer, or phone. If someone has an idea and the desire to be successful we will have the resources in place to make their project successful. Currently we are only able to manufacture products that are simple, but we will expand our offerings to be able to support complex products. We want to also build out online and offline communities that will give our customers the ability to sell their products as soon as they are produced, and to also open channels to larger retailers and boutiques where our customers can also sell their products.
An extensive custom product line that covers virtually all apparel and accessory products.
A group of high quality 3rd party designers that can make a living on our site.
Pop up stores or perhaps even permanent stores in the US or Asia that showcase products made within our community.
A household name amongst fashion designers.
Our shopping site will become a destination for people to find unique products.
World class ERP and CRM system that handles every aspect of the production process.
-We have a dedicated technical team updating our T/S system on a weekly basis. Our ultimate goal is to make a seamless process for custom manufacturing.
-The goal is to make custom manufacturing as easy as an Amazon transaction. However, when we fall short of that expectation we have a knowledgeable and helpful sales and customer service team which our customers can rely on when there are issues. We realize that no matter how optimized our systems are, sometimes there are problems with manufacturing and we are always there to help.
-One of the pillars of our community is creating a market for our customer’s products whether it be through crowd sourcing tools to help them better distribute their products, or through online shopping portals, pop up stores and permanent stores that we will use to help them promote their products.
-We stand behind our products. We will do unlimited design and sample revisions free of charge until the customer is satisfied. Furthermore, if the product does not match the quality of the original sample that was approved we will redo the order free of charge or offer a full refund.
-We truly care about small businesses, entrepreneurs and small organizations. We go out of our way to think of ways to benefit our customers, even if we don’t make money on the project or even lose money on the project. At our heart we are also a small business, and come form very humble roots and we will never forget that.
Partner: To all people with great ideas, we are here to help you create your own identity. We solve every barrier to making a successful custom product, from helping our customer with the design, manufacturing and distribution of the product. If there are ever any issues we have a dedicated team to solve any issue during the process. In fact every customer will receive an email from the CEO, President, Senior Project Manager and Operations Director ensuring that their order is going smoothly.
Efficient: The/Studio system can make your purchasing experience easy and efficient.
Trustworthy: We promise that all our products meet the “fashion quality” standards. If customers are not 100% satisfied, we redo it for free and offer a full refund if needed.
Revolutionary: We want to change the world of custom manufacturing. We want to take the power away from large corporations and completely change how individuals and organizations design, produce and sell apparel and accessories.
Fashionable: Everything that we do whether it be the design of our website, our email signature or the quality of our product, we try to maintain an awareness of design and fashion. We are that weird person sitting at a restaurant, that captivates everyone through their expressions and dress.
Entrepreneurial: we encourage individuals to establish their own brand by offering them necessary resources in custom manufacturing.
Make the impossible possible: This is the spirit that we admire and we hope everyone in our organization develop this trait.
American: Most people associate manufacturing with Asia. Although we do a lot of our manufacturing in Asia, we also do some in the United States. Furthermore, we infuse our systems, processes and partners with American values of transparency, reliability, honesty, good quality, at an affordable price.
We want the conversation with our customer to create the feeling that we are having a conversation with a long term partner. Always extremely helpful and supportive, professional but not too formal.
Our target market is anyone that believes they have an idea for a product that other people would enjoy receiving or buying.
Based on this we made a decision that we would subtly focus on Indie fashion brands. First we believe that if our branding is good enough for a fashion designer, and our product good enough for a fashion brand, then it will be good enough for everyone. Secondly we believe that whether they are a fashion brand or not, they are still making a fashion item. A police officer ordering a patch for her police department is not ordering a patch, she is ordering something for her entire unit to wear with pride; this is fashion.
Another market that we target are small businesses and entrepreneurs. We hope that our platform inspires them to create and enables their success.
A full 61% of our current customers are between the age of 18 to 34, which is the most connected and tech savvy group of consumers. The next largest segment is 35 to 44 which makes up another 15.5% of our customer base. Totally 76.5% of our customers are from highly technically savvy generations. We believe that our emphasis on simplicity and efficiency will play well with this demographic.
45% of our customers are women and 55% are men. Therefore we believe its in our best interests to remain gender neutral in our voice.
We are an American owned and registered S Corporation. Although we have offices in Asia, and Europe we derive most of our corporate culture from our American roots.
This includes a balance between design and efficiency.
A focus on hard work and measuring staff based on performance.
Having an extremely customer focused culture to a fault.
A celebration of the entrepreneur and the person that wants to be individualistic and do something different.
American values of transparency, trust, and commitment.
The/Studio operates in the United States, Philippines, China and Romania. We truly believe that all people and cultures can contribute amazing things to our company and to the world. Anyone in the company can become an executive manager regardless of nationality, gender or religion. Their ability to work with others, perform and execute the companies vision will define their success in our organization.
Over 80% of our staff members are of Asian descent. We don’t look at Asia as a place for cheap labor. We look at Asia as the most vibrant and dynamic economy in the world today, and we are honored to be a part of this transformation. Our goal is to develop leaders of all nationalities to unify around the goal of democratizing custom manufacturing.
We also have not forgotten our American roots. The US is still our largest market and in terms of dollars spent we spend the most amount of money with American suppliers. We will also be strengthening our Made in America product offerings.
The/Studio is a global company. We will go anywhere where there is a market, or production infrastructure, and we will set up offices anywhere where we think we can hire talent that will help us pursue our mission statement.
At The/Studio we truly want to change the way fashion is manufactured.
We believe in the doctrine of 1% better everyday. We are constantly having discussions about how we can improve.
We try to do everything with perfection.
We truly believe in a true meritocracy. All managers including the CEO , Operations Director, President and CTO sit with the entire team in an open space. This may seem superficial but the idea is that everyone in the organization is equal, just with different roles and levels of responsibility.
Literally 50% of our managers are women and our management team is mixed amongst people from different countries, and religions. We don’t do this deliberately. We just try to hire the best people, and let them succeed and that just means we naturally have a very diverse office.
Most of our staff has the opportunity to earn bonuses which incentivizes them to make the correct and quick decisions for our clients.
We are working on a pilot program in our Shenzhen office to share some of the profit with the production manager. We feel that eventually this pilot program will help us to rapidly scale our company by giving more control to managers.
We have discussed launching a program to allow staff that has been with the company for 5 or more years to present a business plan to upper management, work with them on improving their business plan, and even offering funding if the business model is solid.
We are also having discussions amongst upper managers to at least think about moving outside of big city centers to provide a more relaxed environment for our team and lower real estate prices will allow home ownership to be easier.
All staff in the company is encouraged to question its leaders. The only thing that is sacred is trying to make custom design and manufacturing simple. Anything that gets in the way of this should be challenged.
We have flexible working environments. Around 10% of our workforce works remotely from home, and the emphasis is less on punctuality rather than on accomplishing goals.
In the future we would also like to be more active in planning team building events.
https://www.harrys.com – We appreciate how Harry’s has turned a very mundane product (shaving) into a lifestyle brand.
https://www.airbnb.com – We admire how AirBnB has curated a diverse group of listings into a global community.
https://www.uber.com – We respect the ease in which Uber can be used.
-I think we are doing similar things as Ikea does, they offer “affordable designer furniture”, we offer “Affordable stylish custom apparel and accessories.
-Ikea concept: Doing it a different way.
The/Studio was founded in 2006 by Joseph Heller in his loft apartment, in Shenzhen, China. He would work at night to interface with customers in the United States, and sleep upstairs during the day, while his secretary would work downstairs during the day to deal with factories. Joseph graduated from UC Berkeley and came to China in 2005 to teach English. He stumbled across the opportunity to sell embroidered patches and started The/Studio.
The/Studio’s competitors treated the embroidered patch market as a commodity and their bland websites reflected this approach. Joseph saw each embroidered patch as an expression, and a tapestry of modern day history. The/Studio became a rebel in this sleepy industry by taking an approach of making demands on the factory based on customer requirements rather than accepting the rigid industry standards that were put in place for decades.
Previously minimum orders were as high as 1,000 pieces, and there were a lot of other rules in place for how a patch had to be produced and the materials used to produce a patch. Joseph only had 20 orders per month in the beginning, and he demanded that any factory that wanted to work with The/Studio had to accept orders as low as 1 piece, and had to produce the patch exactly the way the customer wanted it, with the material the customer wanted. Joseph was even kicked out of one factory for his audacious demands. Dozens of factories told Joseph that they wouldn’t produce one patch, but Joseph was convinced that if the customer wanted it the factories should produce it.
The factories said they could only offer a few different options for patches. The/Studio launched dozens of new special options to decorate our patches, and promised our customers, that if they imagined something, The/Studio would figure out a way to create it.Everyone was managing orders through emails, spreadsheets and other rudimentary and outdated technology. The/Studio was the first company in our industry to create a CRM/ERP system that would manage the entire process. When we entered the industry the standard turnaround time for a patch was 6 to 8 weeks. We have now reduced that turnaround time to 4 to 21 days.
The/Studio eventually became the largest supplier of custom embroidered patches, and finally we decided that we wanted to take our methodology of low minimums, quick turnaround time, unlimited special options and an optimized ordering process to other custom products.We first built a new and improved CRM/ERP system that we affectionately call The/Studio Factory Cloud.
This would allow us to scale the business and maintain the same level of consistency and speed across all of our product categories. Even after we launched The/Studio Factory Cloud, which is superior to what any of our competitors have, we continued to get customer and employee feedback on how to improve the system, and we make weekly updates.
In 2014 we launched our second product which was custom woven labels, and we later launched custom challenge coins. Starting in 2015 The/Studio will launch a total of 18 new products, and we will launch a total of 72 different custom products in 2016.
The first and only product that we produced for the first 8 years of our existence was custom embroidered patches. It is significant that The/Studio’s first product was not printed promotional products or custom printed t-shirts, because these products are not truly manufactured products. Embroidered patches are products that are manufactured from scratch.
Our roots are in manufacturing, which means that instead of looking at limitations, we only see an opportunity to create something truly unique and beautiful.

lowercased:
about three years ago we launched a new website with a new logo. at the/studio we are never satisfied and always striving to become better, so we decided to improve our logo more than a year ago.
although our websites is definitely one of the better sites for custom products, we don’t judge ourselves based on other companies within the industry, but rather we judge ourselves against amazing brands that we aspire to one day be compared to such as nike, or starbucks. in early january we decided to redo our website and we decided to work with a designer that we had worked with in the past.
however, the project was a complete disaster. the designer just couldn’t get a design together that would make it worth the effort of redoing the entire website again. we have been through website redesigns before, and it is an extremely involved process that requires an enormous amount of resources.
we decided to start looking for another design firm. my assistant and me literally emailed and spoke to over one hundred different design firms. what we realized was that not only did we need to redo our website, but we really needed to redo our entire branding. if we wanted our customers, other companies and the media to truly respect who we were and the ambitions of our company, we felt that it was important to refresh our entire branding.
we went through the same process of pouring over hundreds of branding and design firms, and we had another epiphany. it was also necessary that we actually work with all of the managers in the company and decide who we were, who we have become and what we want to be. we felt that without this document it would be very difficult for us to effectively work with a design company. this is what we came up with.
our brand is our promise to our customers and also defines the expectations that we have for our staff and vendors. our brand will not be strong unless the entire organization understands and embraces these principles.
in addition we see this initial document as an opportunity to remake ourselves and insist on perfection throughout the organization.
we are focused on creating a complete platform that allows customers to produce fashion quality custom apparel and accessories. we put all of our resources into building a community of people with ideas, designers to design, factories to bring to life those ideas, our staff to ensure a frictionless process and the support of consumers that believe the world is made more interesting when ideas are turned into products.
the/studio is revolutionizing how people design, manufacture, and sell custom apparel and accessories. fashion will no longer be dictated by large corporations in distant board rooms. we believe that fashion should represent the pure expression of the communities that you belong to. the/studio will continuously build tools to empower communities to make custom apparel and accessories that inspire them.
we won‘t rest until individuals can create an entire line of apparel, fire departments can reinvent their uniforms, sports teams can create custom gifts for their fans, companies and organizations can communicate their image. all achievable through the/studio’s ever-growing infrastructure of world-class designers, cutting edge production machines, and game-changing community sales platforms.
currently if someone wants to make a truly custom product there are numerous barriers to doing this.
one option is to go to a site such as cafepress or zazzle. but they don’t offer true customization, and the quality is inferior. they only offer printing on already manufactured products.
another option is to use alibaba, but alibaba is notorious for having a very poor user interface, and even if you can get an answer from the factory its almost impossible to produce small quantities, and good communication is lacking at best.
also when dealing with factories from abroad there are true risks of poor quality and sometimes outright fraud.
the other option is to find smaller us companies that produce particular products such as custom caps. they also tend to have higher minimum order requirements, their user experience is not good, and they only offer one or a few products instead of an entire platform to produce apparel and accessories.
if the customer is not a designer or doesn’t have access to a designer, then they can’t even participate in the ability to make a product.
our solution is to gain a loyal and expanding group of customers that want to make custom products and provide them with a user friendly platform to create these products. the manufacturers we work with generally won’t agree to do small orders, but because our platform is efficient and we can provide them with consistent business, they are able to profitably build out production lines to produce highly customized orders.
because of technology the trends in both china and the us point towards factories becoming smaller and more nimble which benefits our model.
there is a trend towards consumers moving away from mass manufactured products made by large brands. we will create a community that helps individuals and businesses easily make products, while at the same time creating an online space for consumers interested in these products.
our dream is for anyone in the world to be able to produce and design fashion quality custom apparel and accessories and eventually other products using their computer, or phone. if someone has an idea and the desire to be successful we will have the resources in place to make their project successful. currently we are only able to manufacture products that are simple, but we will expand our offerings to be able to support complex products. we want to also build out online and offline communities that will give our customers the ability to sell their products as soon as they are produced, and to also open channels to larger retailers and boutiques where our customers can also sell their products.
an extensive custom product line that covers virtually all apparel and accessory products.
a group of high quality 3rd party designers that can make a living on our site.
pop up stores or perhaps even permanent stores in the us or asia that showcase products made within our community.
a household name amongst fashion designers.
our shopping site will become a destination for people to find unique products.
world class erp and crm system that handles every aspect of the production process.
-we have a dedicated technical team updating our t/s system on a weekly basis. our ultimate goal is to make a seamless process for custom manufacturing.
-the goal is to make custom manufacturing as easy as an amazon transaction. however, when we fall short of that expectation we have a knowledgeable and helpful sales and customer service team which our customers can rely on when there are issues. we realize that no matter how optimized our systems are, sometimes there are problems with manufacturing and we are always there to help.
-one of the pillars of our community is creating a market for our customer’s products whether it be through crowd sourcing tools to help them better distribute their products, or through online shopping portals, pop up stores and permanent stores that we will use to help them promote their products.
-we stand behind our products. we will do unlimited design and sample revisions free of charge until the customer is satisfied. furthermore, if the product does not match the quality of the original sample that was approved we will redo the order free of charge or offer a full refund.
-we truly care about small businesses, entrepreneurs and small organizations. we go out of our way to think of ways to benefit our customers, even if we don’t make money on the project or even lose money on the project. at our heart we are also a small business, and come form very humble roots and we will never forget that.
partner: to all people with great ideas, we are here to help you create your own identity. we solve every barrier to making a successful custom product, from helping our customer with the design, manufacturing and distribution of the product. if there are ever any issues we have a dedicated team to solve any issue during the process. in fact every customer will receive an email from the ceo, president, senior project manager and operations director ensuring that their order is going smoothly.
efficient: the/studio system can make your purchasing experience easy and efficient.
trustworthy: we promise that all our products meet the “fashion quality” standards. if customers are not 100% satisfied, we redo it for free and offer a full refund if needed.
revolutionary: we want to change the world of custom manufacturing. we want to take the power away from large corporations and completely change how individuals and organizations design, produce and sell apparel and accessories.
fashionable: everything that we do whether it be the design of our website, our email signature or the quality of our product, we try to maintain an awareness of design and fashion. we are that weird person sitting at a restaurant, that captivates everyone through their expressions and dress.
entrepreneurial: we encourage individuals to establish their own brand by offering them necessary resources in custom manufacturing.
make the impossible possible: this is the spirit that we admire and we hope everyone in our organization develop this trait.
american: most people associate manufacturing with asia. although we do a lot of our manufacturing in asia, we also do some in the united states. furthermore, we infuse our systems, processes and partners with american values of transparency, reliability, honesty, good quality, at an affordable price.
we want the conversation with our customer to create the feeling that we are having a conversation with a long term partner. always extremely helpful and supportive, professional but not too formal.
our target market is anyone that believes they have an idea for a product that other people would enjoy receiving or buying.
based on this we made a decision that we would subtly focus on indie fashion brands. first we believe that if our branding is good enough for a fashion designer, and our product good enough for a fashion brand, then it will be good enough for everyone. secondly we believe that whether they are a fashion brand or not, they are still making a fashion item. a police officer ordering a patch for her police department is not ordering a patch, she is ordering something for her entire unit to wear with pride; this is fashion.
another market that we target are small businesses and entrepreneurs. we hope that our platform inspires them to create and enables their success.
a full 61% of our current customers are between the age of 18 to 34, which is the most connected and tech savvy group of consumers. the next largest segment is 35 to 44 which makes up another 15.5% of our customer base. totally 76.5% of our customers are from highly technically savvy generations. we believe that our emphasis on simplicity and efficiency will play well with this demographic.
45% of our customers are women and 55% are men. therefore we believe its in our best interests to remain gender neutral in our voice.
we are an american owned and registered s corporation. although we have offices in asia, and europe we derive most of our corporate culture from our american roots.
this includes a balance between design and efficiency.
a focus on hard work and measuring staff based on performance.
having an extremely customer focused culture to a fault.
a celebration of the entrepreneur and the person that wants to be individualistic and do something different.
american values of transparency, trust, and commitment.
the/studio operates in the united states, philippines, china and romania. we truly believe that all people and cultures can contribute amazing things to our company and to the world. anyone in the company can become an executive manager regardless of nationality, gender or religion. their ability to work with others, perform and execute the companies vision will define their success in our organization.
over 80% of our staff members are of asian descent. we don’t look at asia as a place for cheap labor. we look at asia as the most vibrant and dynamic economy in the world today, and we are honored to be a part of this transformation. our goal is to develop leaders of all nationalities to unify around the goal of democratizing custom manufacturing.
we also have not forgotten our american roots. the us is still our largest market and in terms of dollars spent we spend the most amount of money with american suppliers. we will also be strengthening our made in america product offerings.
the/studio is a global company. we will go anywhere where there is a market, or production infrastructure, and we will set up offices anywhere where we think we can hire talent that will help us pursue our mission statement.
at the/studio we truly want to change the way fashion is manufactured.
we believe in the doctrine of 1% better everyday. we are constantly having discussions about how we can improve.
we try to do everything with perfection.
we truly believe in a true meritocracy. all managers including the ceo , operations director, president and cto sit with the entire team in an open space. this may seem superficial but the idea is that everyone in the organization is equal, just with different roles and levels of responsibility.
literally 50% of our managers are women and our management team is mixed amongst people from different countries, and religions. we don’t do this deliberately. we just try to hire the best people, and let them succeed and that just means we naturally have a very diverse office.
most of our staff has the opportunity to earn bonuses which incentivizes them to make the correct and quick decisions for our clients.
we are working on a pilot program in our shenzhen office to share some of the profit with the production manager. we feel that eventually this pilot program will help us to rapidly scale our company by giving more control to managers.
we have discussed launching a program to allow staff that has been with the company for 5 or more years to present a business plan to upper management, work with them on improving their business plan, and even offering funding if the business model is solid.
we are also having discussions amongst upper managers to at least think about moving outside of big city centers to provide a more relaxed environment for our team and lower real estate prices will allow home ownership to be easier.
all staff in the company is encouraged to question its leaders. the only thing that is sacred is trying to make custom design and manufacturing simple. anything that gets in the way of this should be challenged.
we have flexible working environments. around 10% of our workforce works remotely from home, and the emphasis is less on punctuality rather than on accomplishing goals.
in the future we would also like to be more active in planning team building events.
https://www.harrys.com – we appreciate how harry’s has turned a very mundane product (shaving) into a lifestyle brand.
https://www.airbnb.com – we admire how airbnb has curated a diverse group of listings into a global community.
https://www.uber.com – we respect the ease in which uber can be used.
-i think we are doing similar things as ikea does, they offer “affordable designer furniture”, we offer “affordable stylish custom apparel and accessories.
-ikea concept: doing it a different way.
the/studio was founded in 2006 by joseph heller in his loft apartment, in shenzhen, china. he would work at night to interface with customers in the united states, and sleep upstairs during the day, while his secretary would work downstairs during the day to deal with factories. joseph graduated from uc berkeley and came to china in 2005 to teach english. he stumbled across the opportunity to sell embroidered patches and started the/studio.
the/studio’s competitors treated the embroidered patch market as a commodity and their bland websites reflected this approach. joseph saw each embroidered patch as an expression, and a tapestry of modern day history. the/studio became a rebel in this sleepy industry by taking an approach of making demands on the factory based on customer requirements rather than accepting the rigid industry standards that were put in place for decades.
previously minimum orders were as high as 1,000 pieces, and there were a lot of other rules in place for how a patch had to be produced and the materials used to produce a patch. joseph only had 20 orders per month in the beginning, and he demanded that any factory that wanted to work with the/studio had to accept orders as low as 1 piece, and had to produce the patch exactly the way the customer wanted it, with the material the customer wanted. joseph was even kicked out of one factory for his audacious demands. dozens of factories told joseph that they wouldn’t produce one patch, but joseph was convinced that if the customer wanted it the factories should produce it.
the factories said they could only offer a few different options for patches. the/studio launched dozens of new special options to decorate our patches, and promised our customers, that if they imagined something, the/studio would figure out a way to create it.everyone was managing orders through emails, spreadsheets and other rudimentary and outdated technology. the/studio was the first company in our industry to create a crm/erp system that would manage the entire process. when we entered the industry the standard turnaround time for a patch was 6 to 8 weeks. we have now reduced that turnaround time to 4 to 21 days.
the/studio eventually became the largest supplier of custom embroidered patches, and finally we decided that we wanted to take our methodology of low minimums, quick turnaround time, unlimited special options and an optimized ordering process to other custom products.we first built a new and improved crm/erp system that we affectionately call the/studio factory cloud.
this would allow us to scale the business and maintain the same level of consistency and speed across all of our product categories. even after we launched the/studio factory cloud, which is superior to what any of our competitors have, we continued to get customer and employee feedback on how to improve the system, and we make weekly updates.
in 2014 we launched our second product which was custom woven labels, and we later launched custom challenge coins. starting in 2015 the/studio will launch a total of 18 new products, and we will launch a total of 72 different custom products in 2016.
the first and only product that we produced for the first 8 years of our existence was custom embroidered patches. it is significant that the/studio’s first product was not printed promotional products or custom printed t-shirts, because these products are not truly manufactured products. embroidered patches are products that are manufactured from scratch.
our roots are in manufacturing, which means that instead of looking at limitations, we only see an opportunity to create something truly unique and beautiful.


text:
How to upgrade to version 8.1 from version 7.5 of NetIQ Security Solutions for iSeries?
Can the upgrade to version 8.0 be skipped if our system is on 7.5 and want to go to 8.1?
If you have not previously enrolled for a MYNetIQ account and received a password, complete the Technical Support Access Request and Contact Form: https://www.netiq.com/support/contacts.asp.
Select either the NetIQ Security Solutions for iSeries 8.1 Single file download or ISO image download and follow the additional instructions.
On the NetIQ Security Solutions for iSeries Upgrades web page, select either the NetIQ Security Agent for iSeries 8.0 Single file download or ISO image download and follow the additional instructions.
Follow the instructions in the Installation Guide to upgrade to NetIQ Security Solutions for iSeries v8.1. The Installation and User Guide files are located by default in C:\Program Files\NSSi81Setup\documentation.

lowercased:
how to upgrade to version 8.1 from version 7.5 of netiq security solutions for iseries?
can the upgrade to version 8.0 be skipped if our system is on 7.5 and want to go to 8.1?
if you have not previously enrolled for a mynetiq account and received a password, complete the technical support access request and contact form: https://www.netiq.com/support/contacts.asp.
select either the netiq security solutions for iseries 8.1 single file download or iso image download and follow the additional instructions.
on the netiq security solutions for iseries upgrades web page, select either the netiq security agent for iseries 8.0 single file download or iso image download and follow the additional instructions.
follow the instructions in the installation guide to upgrade to netiq security solutions for iseries v8.1. the installation and user guide files are located by default in c:\program files\nssi81setup\documentation.


text:
Begonias are a great way to brighten up both the home and garden. Taking care of begonias is easy, especially when you have the right begonia care information on hand. While some types of begonia are grown for their flowers, others are grown for their foliage. To take advantage of either, use the following tips on growing begonias to ensure the best results.
As a gardener, it can be overwhelming when trying to assess your garden’s fertilizer needs. The struggle is so real that many gardeners don’t bother to fertilize anything, even their tuberous begonias! Fertilizing tuberous begonia is important and this article will help.
There are over 1,500 species and over 10,000 hybrids of begonia in existence today. Talk about beaucoup (boo coo) begonia! New cultivars are added every year, including Gryphon begonia. So, what is a gryphon begonia? Learn more in this article.
Many plant lovers have realized that instead of purchasing expensive begonia baskets each spring, they can overwinter them in greenhouses or as houseplants. Of course, overwintering begonia plants may require pruning. Learn how to prune begonias here.
If you can't decide what to plant in that protected, semi-shady corner, you can't go wrong with tuberous begonia. Keeping the plant alive and healthy requires some extra attention, but this article can help with that.
The angel wing begonia is commonly named for the shape of its leaves. Numerous cultivars exist so there is an angel wing begonia houseplant for most indoor situations. Click here to learn more.
Annual begonia plants have many uses in the summer garden and beyond. Their care is relatively simple when one properly learns how to grow these begonias. This article can help with that.
Begonia propagation is an easy way to keep a little bit of summer all year long. Why not use your garden plants to start whole new plants for your winter window sills by propagating begonias? Click here for more.
The more than 1,000 species of begonia. Some begonias are grown just for their foliage and others their blooms. This article will help you distinguish common foliage grown begonias for the home and garden.
Begonia plants, regardless of type, cannot withstand freezing cold temperatures and require appropriate winter care. Find out how to overwinter your begonia plants in this article.
Begonias are a great way to brighten up the home and garden. Taking care of begonias is easy, especially when growing begonias from corms (or tubers). Learn more about them in this article.
Begonias are a popular houseplant. Some varieties are grown for their flowers while others their striking foliage. Growing begonia houseplants only requires a little bit of knowledge, which you can find here.

lowercased:
begonias are a great way to brighten up both the home and garden. taking care of begonias is easy, especially when you have the right begonia care information on hand. while some types of begonia are grown for their flowers, others are grown for their foliage. to take advantage of either, use the following tips on growing begonias to ensure the best results.
as a gardener, it can be overwhelming when trying to assess your garden’s fertilizer needs. the struggle is so real that many gardeners don’t bother to fertilize anything, even their tuberous begonias! fertilizing tuberous begonia is important and this article will help.
there are over 1,500 species and over 10,000 hybrids of begonia in existence today. talk about beaucoup (boo coo) begonia! new cultivars are added every year, including gryphon begonia. so, what is a gryphon begonia? learn more in this article.
many plant lovers have realized that instead of purchasing expensive begonia baskets each spring, they can overwinter them in greenhouses or as houseplants. of course, overwintering begonia plants may require pruning. learn how to prune begonias here.
if you can't decide what to plant in that protected, semi-shady corner, you can't go wrong with tuberous begonia. keeping the plant alive and healthy requires some extra attention, but this article can help with that.
the angel wing begonia is commonly named for the shape of its leaves. numerous cultivars exist so there is an angel wing begonia houseplant for most indoor situations. click here to learn more.
annual begonia plants have many uses in the summer garden and beyond. their care is relatively simple when one properly learns how to grow these begonias. this article can help with that.
begonia propagation is an easy way to keep a little bit of summer all year long. why not use your garden plants to start whole new plants for your winter window sills by propagating begonias? click here for more.
the more than 1,000 species of begonia. some begonias are grown just for their foliage and others their blooms. this article will help you distinguish common foliage grown begonias for the home and garden.
begonia plants, regardless of type, cannot withstand freezing cold temperatures and require appropriate winter care. find out how to overwinter your begonia plants in this article.
begonias are a great way to brighten up the home and garden. taking care of begonias is easy, especially when growing begonias from corms (or tubers). learn more about them in this article.
begonias are a popular houseplant. some varieties are grown for their flowers while others their striking foliage. growing begonia houseplants only requires a little bit of knowledge, which you can find here.


text:
As we get Peru Unplugged up and running, I am really looking forward to sharing regularly about alpacas. The 20/20 alpaca will be the primary premise of my alpaca blog posts. 20/20 is simply a metaphor for what we might achieve.
I first met this remarkable man in the early 1990s when I was president of the Alpaca Owners and Breeders Association (AOBA). I was interested in creating contacts with Peruvian alpaca breeders and textile manufacturers, I decided to correspond with the International Alpaca Association (IAA) headquartered in Arequipa.
Not many months later, before it was even legal to export alpacas from Peru, I accepted the IAA’s invitation to visit and made the first of many trips in 1991. One of the first questions I asked upon arrival in Peru was, “Who is the greatest alpaca breeder in Peru?” “Don Julio Barreda,” everyone replied without hesitation. I asked my hosts if they might introduce me to Don Julio. They agreed and invited him to a dinner party in Arequipa.
The day before the dinner, I got my first glimpse of Barreda’s alpacas at Grupo Inca’s farm Sallalli, which at that time was located near the Colca Valley. The farm had just purchased 24 machos from Barreda’s farm, Accoyo. They were larger than any alpacas I had ever seen. Their fleece quality was so striking that I remember thinking they must be a different breed than the ones I had at home, which I had imported from Chile.
At dinner, I finally had the opportunity to speak directly with Don Julio. We began the first of many conversation about Don Julio’s passion for alpaca breeding, and by the end of the evening, Don Julio agreed to visit my ranch in Oregon the following July.
I know that you, my fellow breeders from North America, can walk with longer, quicker steps and will, with the aid of the science that is available here, create a type of alpaca to your own liking. Allow me to say this – It would be ideal that my experiences, although maybe a bit old-fashioned, could facilitate the progress that you foresee and maybe, thanks to an honest collaboration, we could make the alpaca an animal known and respected in each household of your great nation.

lowercased:
as we get peru unplugged up and running, i am really looking forward to sharing regularly about alpacas. the 20/20 alpaca will be the primary premise of my alpaca blog posts. 20/20 is simply a metaphor for what we might achieve.
i first met this remarkable man in the early 1990s when i was president of the alpaca owners and breeders association (aoba). i was interested in creating contacts with peruvian alpaca breeders and textile manufacturers, i decided to correspond with the international alpaca association (iaa) headquartered in arequipa.
not many months later, before it was even legal to export alpacas from peru, i accepted the iaa’s invitation to visit and made the first of many trips in 1991. one of the first questions i asked upon arrival in peru was, “who is the greatest alpaca breeder in peru?” “don julio barreda,” everyone replied without hesitation. i asked my hosts if they might introduce me to don julio. they agreed and invited him to a dinner party in arequipa.
the day before the dinner, i got my first glimpse of barreda’s alpacas at grupo inca’s farm sallalli, which at that time was located near the colca valley. the farm had just purchased 24 machos from barreda’s farm, accoyo. they were larger than any alpacas i had ever seen. their fleece quality was so striking that i remember thinking they must be a different breed than the ones i had at home, which i had imported from chile.
at dinner, i finally had the opportunity to speak directly with don julio. we began the first of many conversation about don julio’s passion for alpaca breeding, and by the end of the evening, don julio agreed to visit my ranch in oregon the following july.
i know that you, my fellow breeders from north america, can walk with longer, quicker steps and will, with the aid of the science that is available here, create a type of alpaca to your own liking. allow me to say this – it would be ideal that my experiences, although maybe a bit old-fashioned, could facilitate the progress that you foresee and maybe, thanks to an honest collaboration, we could make the alpaca an animal known and respected in each household of your great nation.


text:
Erin Baldassari, writing for the Mercury News, reports that Jonathan Bernbaum was 34 when he died in the Ghost Ship fire. Jonathan’s father, Ed, is trying to do his part to answer the need for spaces for artists by starting an ambitious effort with neighbor Beth Jay and architect Tom Dolan. The nonprofit, named Vital Arts, will raise funds from the Bay Area’s tech sector to support safe living/work spaces for artists in Oakland—because, after all, it is largely the tech sector that has driven rents up so high that most local artists can no longer afford them.
The money will be used to purchase buildings for living and working in or provide safety enhancements to landlords that agree to maintain buildings as rental spaces for low- and moderate-income artists.
The wildly innovative and resourceful San Francisco-based Community Arts Stabilization Trust (CAST), which NPQ has previously covered, will act as a fiscal sponsor for Vital Arts. CAST has a remarkable track record in helping to retain and create arts facilities in combination with local established arts nonprofits but some of the groups in Oakland are a newish proposition.
CAST recently began working with the city of Oakland to develop a program to provide technical and financial assistance for arts and cultural organizations. Many of those organizations are informal art collectives that often operate as de facto nonprofits, Levin said, prompting CAST to become increasingly focused on supporting these sometimes amorphous groups.
There is no doubt that live/work spaces have been endangered since the fire. One collective of artists and performers, known as the Castle von Trapp, will imminently lose its West Oakland compound after the cost and logistical challenges of making a bid on the property proved too challenging for the collective. Still, the collective plans to move forward together.
Eventually, Dolan envisions a network of collectives that can share resources and knowledge, beginning in Oakland and spreading across the bay to San Francisco with Vital Arts ultimately serving as a model for collectives across the country.
Since 1969, the Painted Bride Art Center in Philadelphia has provided a home for groundbreaking artists of every stripe. But can it remain relevant in the city’s arts scene without a building to its name?

lowercased:
erin baldassari, writing for the mercury news, reports that jonathan bernbaum was 34 when he died in the ghost ship fire. jonathan’s father, ed, is trying to do his part to answer the need for spaces for artists by starting an ambitious effort with neighbor beth jay and architect tom dolan. the nonprofit, named vital arts, will raise funds from the bay area’s tech sector to support safe living/work spaces for artists in oakland—because, after all, it is largely the tech sector that has driven rents up so high that most local artists can no longer afford them.
the money will be used to purchase buildings for living and working in or provide safety enhancements to landlords that agree to maintain buildings as rental spaces for low- and moderate-income artists.
the wildly innovative and resourceful san francisco-based community arts stabilization trust (cast), which npq has previously covered, will act as a fiscal sponsor for vital arts. cast has a remarkable track record in helping to retain and create arts facilities in combination with local established arts nonprofits but some of the groups in oakland are a newish proposition.
cast recently began working with the city of oakland to develop a program to provide technical and financial assistance for arts and cultural organizations. many of those organizations are informal art collectives that often operate as de facto nonprofits, levin said, prompting cast to become increasingly focused on supporting these sometimes amorphous groups.
there is no doubt that live/work spaces have been endangered since the fire. one collective of artists and performers, known as the castle von trapp, will imminently lose its west oakland compound after the cost and logistical challenges of making a bid on the property proved too challenging for the collective. still, the collective plans to move forward together.
eventually, dolan envisions a network of collectives that can share resources and knowledge, beginning in oakland and spreading across the bay to san francisco with vital arts ultimately serving as a model for collectives across the country.
since 1969, the painted bride art center in philadelphia has provided a home for groundbreaking artists of every stripe. but can it remain relevant in the city’s arts scene without a building to its name?


text:
This tool makes it possible to check all your WiNRADiO G3 series software installations, detect errors or correct the XRS subsystem.
In most cases you can use the report to diagnose and rectify the problem on your side (for example, problems caused by corrupted software installation are usually easy to fix by simply reinstalling the software).
If you are unable to solve the problem, you may like to send us the diagnostics report produced by this tool for us to be able to assist you.
1. Driver errors (drivers not found in the system directory, not loaded in memory, or having invalid registry entries).
2. WiNRADiO API errors (dynamic link libraries not found or failing to open).
3. Application installation errors (miscellaneous files such as fonts or control applets not installed properly).
4. XRS subsystem errors (ambiguous path to XRS plugins or XRS path variable not found).
5. Windows related problems (insufficient user rights to access drivers or Win API calls failing).
Errors 1-3 should be resolved by WiNRADiO software reinstallation.
Error 4 can be resolved by WiNRADiO software reinstallation or using the 'XRS repair' function.
Error 5 may indicate Windows problems and Windows reinstallation may be required.
1. Close your WiNRADiO receiver application if it is currently running.
2. Run the diagnostic program.
3. Generate the report by pressing "Get info".
4. Select "Copy report" from the File menu. This will copy the report to the Clipboard.
5. Insert the Clipboard information into your email message to us (using Shift Ins).
Please note that this diagnostics tool assumes that you are using the latest available receiver application. Before using it, we recommend that you upgrade your receiver application to the latest available version.
Note: After downloading the ZIP file, unzip it to a new folder and run the EXE file.

lowercased:
this tool makes it possible to check all your winradio g3 series software installations, detect errors or correct the xrs subsystem.
in most cases you can use the report to diagnose and rectify the problem on your side (for example, problems caused by corrupted software installation are usually easy to fix by simply reinstalling the software).
if you are unable to solve the problem, you may like to send us the diagnostics report produced by this tool for us to be able to assist you.
1. driver errors (drivers not found in the system directory, not loaded in memory, or having invalid registry entries).
2. winradio api errors (dynamic link libraries not found or failing to open).
3. application installation errors (miscellaneous files such as fonts or control applets not installed properly).
4. xrs subsystem errors (ambiguous path to xrs plugins or xrs path variable not found).
5. windows related problems (insufficient user rights to access drivers or win api calls failing).
errors 1-3 should be resolved by winradio software reinstallation.
error 4 can be resolved by winradio software reinstallation or using the 'xrs repair' function.
error 5 may indicate windows problems and windows reinstallation may be required.
1. close your winradio receiver application if it is currently running.
2. run the diagnostic program.
3. generate the report by pressing "get info".
4. select "copy report" from the file menu. this will copy the report to the clipboard.
5. insert the clipboard information into your email message to us (using shift ins).
please note that this diagnostics tool assumes that you are using the latest available receiver application. before using it, we recommend that you upgrade your receiver application to the latest available version.
note: after downloading the zip file, unzip it to a new folder and run the exe file.


text:
Check out East Enders having fun on social media.
Whether they’re expressing an opinion like Joy Behar, waxing nostalgic like Madonna or simply sharing a photo like Itzhak Perlman, celebrities love Twitter. Check out these tweets from Hamptons stars, and follow Dan’s Papers on Twitter!
The Barr Report? That’s like putting your husband’s mistress in charge of your divorce settlement.
Ummmm I’m planning my retirement!!! @biggysmallz are verified on Instagram!!!! #pupperazzi Follow them!!!!

lowercased:
check out east enders having fun on social media.
whether they’re expressing an opinion like joy behar, waxing nostalgic like madonna or simply sharing a photo like itzhak perlman, celebrities love twitter. check out these tweets from hamptons stars, and follow dan’s papers on twitter!
the barr report? that’s like putting your husband’s mistress in charge of your divorce settlement.
ummmm i’m planning my retirement!!! @biggysmallz are verified on instagram!!!! #pupperazzi follow them!!!!


text: In one of India's largest port cities, highly skilled artisans handcraft our moon chime of hand-cut iron, colorful glass beads and copper nana bells. May be hung indoors or out. Chimes may develop a patina with age or exposure to the elements. Each crescent moon chime with nana bell accents measures approximately 6 inches by 21 inches long.

lowercased: in one of india's largest port cities, highly skilled artisans handcraft our moon chime of hand-cut iron, colorful glass beads and copper nana bells. may be hung indoors or out. chimes may develop a patina with age or exposure to the elements. each crescent moon chime with nana bell accents measures approximately 6 inches by 21 inches long.


text:
A new great promotion at gearbest. Great deals in many categories! RC drones, tablets, micro sd cards, phones, action cams. Let’s see some promotion.
First of all watch this video: gearbest is making a great giveaway from June 24 to july 10, try to win!
Few pieces. Get yours soon!

lowercased:
a new great promotion at gearbest. great deals in many categories! rc drones, tablets, micro sd cards, phones, action cams. let’s see some promotion.
first of all watch this video: gearbest is making a great giveaway from june 24 to july 10, try to win!
few pieces. get yours soon!


text:
Is it legal to restrict food-sharing?
The food-sharing in downtown Orlando went on as usual last Wednesday night, despite the decision by the 11th Circuit Court of Appeals that upheld the city’s ordinance restricting groups and individuals from sharing food with homeless and hungry people in public parks.
The court also ruled that the ordinance does not violate the right to free exercise of religion by the First Vagabonds Church of God, a ministry by and for the homeless. The ordinance applies to about 40 of Orlando’s 99 parks, and limits food-sharing events to two per park per year.
In the wake of the court decision: What’s next?
That’s because even then, in the summer of 2006, we were thinking about the big picture. What the First Vagabonds Church of God v. City of Orlando lawsuit accomplished was to bring the discussion of homelessness and poverty out into the open in Orlando, in a way that it never has before. Making sure that discussion continues is vitally important, and that will be an important consideration in deciding what the next steps will be.
There are several legal options, such as seeking a rehearing before the 11th Circuit Court of Appeals. We have a few more days to decide exactly what to do.
Many people have asked why we didn’t pursue a freedom of assembly claim. At the beginning of the case, we did assert that the ordinance violated the right to freedom of assembly. But the trial judge ruled for the city on that claim, determining that the members of Food Not Bombs and their homeless friends are free to assemble in the park so long as they do not serve food.
There also are options outside the courtroom. Perhaps the most important is making sure the food-sharings continue, as they have every Wednesday evening for more than five years.
Moving to outside the restricted zone (a 2-mile radius of City Hall) is being discussed. While there are good reasons for staying at Lake Eola Park, the members of Orlando Food Not Bombs are concerned about the impact of increased police scrutiny on the homeless and hungry folks they are helping. Many of the people who come to eat a healthy vegan meal have outstanding warrants or other issues with law enforcement. In past, attendance has been low when police are present at the food-sharing.
Lake Eola Park – often described as the “crown jewel” of Orlando’s 99 parks – was chosen for its symbolic value in conveying a message to the upper-middle class folks who live and work in what is often described as a gentrified area of downtown. In many ways, that message has been delivered.
Continuing the public discussion of homelessness and poverty may be the most important item on our “to do” list. Food Not Bombs will be meeting with other groups that have been using the park for sharing food, looking at the big picture and planning ways to build stronger community and political will to reduce homelessness and poverty.
So there’s a lot of work still to do. The food-sharings will continue and we will be working toward some larger goals, too.
The silver lining here may be that the continued sense of injustice in the wake of the 11th Circuit’s decision just may help us accomplish our larger goals.

lowercased:
is it legal to restrict food-sharing?
the food-sharing in downtown orlando went on as usual last wednesday night, despite the decision by the 11th circuit court of appeals that upheld the city’s ordinance restricting groups and individuals from sharing food with homeless and hungry people in public parks.
the court also ruled that the ordinance does not violate the right to free exercise of religion by the first vagabonds church of god, a ministry by and for the homeless. the ordinance applies to about 40 of orlando’s 99 parks, and limits food-sharing events to two per park per year.
in the wake of the court decision: what’s next?
that’s because even then, in the summer of 2006, we were thinking about the big picture. what the first vagabonds church of god v. city of orlando lawsuit accomplished was to bring the discussion of homelessness and poverty out into the open in orlando, in a way that it never has before. making sure that discussion continues is vitally important, and that will be an important consideration in deciding what the next steps will be.
there are several legal options, such as seeking a rehearing before the 11th circuit court of appeals. we have a few more days to decide exactly what to do.
many people have asked why we didn’t pursue a freedom of assembly claim. at the beginning of the case, we did assert that the ordinance violated the right to freedom of assembly. but the trial judge ruled for the city on that claim, determining that the members of food not bombs and their homeless friends are free to assemble in the park so long as they do not serve food.
there also are options outside the courtroom. perhaps the most important is making sure the food-sharings continue, as they have every wednesday evening for more than five years.
moving to outside the restricted zone (a 2-mile radius of city hall) is being discussed. while there are good reasons for staying at lake eola park, the members of orlando food not bombs are concerned about the impact of increased police scrutiny on the homeless and hungry folks they are helping. many of the people who come to eat a healthy vegan meal have outstanding warrants or other issues with law enforcement. in past, attendance has been low when police are present at the food-sharing.
lake eola park – often described as the “crown jewel” of orlando’s 99 parks – was chosen for its symbolic value in conveying a message to the upper-middle class folks who live and work in what is often described as a gentrified area of downtown. in many ways, that message has been delivered.
continuing the public discussion of homelessness and poverty may be the most important item on our “to do” list. food not bombs will be meeting with other groups that have been using the park for sharing food, looking at the big picture and planning ways to build stronger community and political will to reduce homelessness and poverty.
so there’s a lot of work still to do. the food-sharings will continue and we will be working toward some larger goals, too.
the silver lining here may be that the continued sense of injustice in the wake of the 11th circuit’s decision just may help us accomplish our larger goals.