![]() Language other than English or Spanish, please go the following U.S. To find another agency that may offer their services in a Or call (800) 205-9297 and then press # 3 for Spanish. For Spanish Internet Credit Counseling or the debtor Education Course, please go to the agency’s website, For assistance, the client may send anĮmail message an explanation of the special conditions impacting their ability to pay that may make the client eligibleįor the client who feels they do not possess sufficient English language skills to successfully complete CreditĬounseling or the Debtor Education Course, the agency offers Credit Counseling and the Debtor Education Course May request a fee reduction either themselves or through their attorney. Of Health and Human Services, and therefore is not presumptively entitled to a fee waiver, ![]() Supporting documentation must be sent client whose household income is above 150 percent of the poverty guidelines as published by the US Department Household size and income to the poverty guidelines as published by the US Department of Health and Human Services.Ī client will be granted a fee waiver or fee reduction upon written verification of their household size and income. Waivers or fee reductions during the registration process by comparing the client’s state of residence, ![]() The agency will determine if a client may qualify for fee Reductions based on their lack of ability to pay. The agency offers services without regard to a client’s ability to pay. Premium recordkeeping for a fee of $12.95 Īccessibility option of the Internet delivery method courses with audio-on feature for a fee of $12.95. Receipt of the certificate sent by email for a fee of $8.95 Īlternative payment method convenience fee for $5.95 Unlimited corrected and/or duplicate copies of the certificate by email for a fee of $19.95,ĭelivery of the certificate by hard copy mail for a fee of $9.95 The following options and additional services are available for the following fees: expedited rush delivery of the certificate by fax for a fee of $12.95 Įxpedited rush delivery of the certificate by email for a fee of $8.95 The Debtor Education Course fee may include the standard electronic court filing of the Debtor Education Course certificate. These fees include the delivery of the certificate via email. The fees listed above are for registrations made via the Internet. The fee for the Debtor Education Course is $12.95 via the Internet delivery method for single filers (additional $4.95 for joint) with chat and email support, or $15.00 via the Internet delivery method for single filers (additional $4.95 for joint) with telephone, chat and email support, or $15.00 via the telephone delivery method for single filers (additional $10 for joint) with telephone support. The fee for Credit Counseling is $18.95 via the Internet delivery method for single filers (additional $4.95 for joint) with chat and email support, $25.00 via the Internet delivery method for single filers (additional $4.95 for joint) with telephone, chat and email support, or $25.00 via the telephone delivery method for single filers (additional $10 for joint) with telephone support. The pre-discharge debtor education course takes a minimum of 2 hours to complete. The pre-filing credit counseling course takes an average of 60 to 90 minutes to complete. The Bankruptcy Administrators of the Middle District, Northern District, and Southern District of Alabama, and the Eastern District, Middle District, and Western District of North Carolina, Department of Justice’s (DOJ’s) Executive Office for U.S. As the country’s premier provider of Bankruptcy Pre-filing Budget and Credit Counseling and Post-filing/Pre-discharge Debtor Education (also known as the Financial Management Instructional Course), Access neither offers, nor are we affiliated with a Debt Management Program (DMP).Īs mandated by federal law, federal rules, the U.S. (the Agency) is required to disclose the following information prior to each Pre-filing Bankruptcy Credit Counseling (Credit Counseling) or the Post-filing/Pre-discharge Debtor Education Course (Debtor Education Course):Īccess is a national 501(c)(3) nonprofit organization that provides counseling and education to underserved populations with an emphasis on personal finance, money management, budgeting, and consumer credit and debt.
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![]() Tokyo Express currently is a family-owned restaurant that can scratch any itch for lunch, dinner, large party or catering needs. Nancy says she was so happy to relocate to Avery County, NC because she feels this is a better place to raise children than in a big city. Nancy has run restaurants in Kingsport, TN and here in Banner Elk, North Carolina. ![]() After working in a restaurant in Boston, Massachusetts, Nancy saved a little at a time, and then she came to North Carolina. When Nancy came to America she was sponsored by an American family. Her father worked with the United States military forces. Nancy grew up in Cam Ranh Bay with her parents and eight brothers and sisters. Nancy Nguyen Co of Cam Ranh Bay Restaurant in Banner Elk is a native of Vietnam. Vietnamese food is regularly considered to be some of the most delicious food found in America and is considered to be some of the healthiest foods found on any menu anywhere in the world. Lucky to have this place in NC.Cam Ranh Bay expertly delivers a fabulous balance of flavors by using fresh herbs and meats along with a creative use of exotic spices that results in exceedingly high-quality Japanese and Vietnamese cuisine. We will plan a trip to go back to Banner Elk just to go and enjoy this experience again. Everyone was friendly and clearly bought in to the high service standards they seek to implement. You don't need to feel obligated to wear a jacket. ![]() Wonderful evening with wonderful service and food. The servers quickly set it up and we finished our experience by the fire overlooking the mountain stream. Afterwards, we wanted to finish our wine by the fireplace that anchors one end of the deck. My wife enjoyed the halibut, while the rest of us took advantage of a couple of the steak specials that night. All excellent, and we've been spoiled by fresh calamari in Kauai, this was the best I've ever had on the mainland. We all sampled blue crab beignets, sashimi, and calamari. The sommelier was friendly, NOT pretentious, and assisted us with selections. I've read about the cellar, but haven't seen it. I would suggest this is where you want to sit unless the weather is severe, their setup will allow you to enjoy the scenery at a comfortable temp. You look out over a stream where you can hear the water flowing past the trees. We sat on the back deck (it is covered completely, there are heaters running the length of the deck above the tables). I've been to Ritz-Carlton Leadership Training and the way Anita handled this was impressive and while you may think it trivial and irrelevant, I think it highlights a service philosophy that ensures all the servers, the food, everything exceeds your expectations. Anita when on to arrange a car service and even mentioned that she would personally take us home if the car service was unavailable. That's when I knew our entire evening would be spectacular. Her response was one of the strongest service responses I've ever received: First, let me assure you that you will arrive home safely tonight. Our entire party was enthusiastic about the wine list, so I asked the manager, Anita, what options were available for car service to take us all home. Bar and cozy lounge area was inviting and we quickly felt like our entire evening was going to be special. We did arrive 5 minutes early, so the hostess invited us to have a drink before we were seated. Beautiful setting, manicured pastureland and contemporary, yet rustic building where you are greeted by valet. Driving up to the property, you feel like you are in a luxury car commercial. First off, this is an experience and worth planning your trip around it. ![]() ![]() ![]() This yellow lane merge sign indicates which is the merging lane and which the main lane is. “It ends up causing that lane to slow down, and a lot of times at the last minute will move into the left hand lane - the fast lane - and that starts creating a domino effect. A merging traffic sign warns you that two lanes are merging. In cases where it may be difficult for the left turn vehicles to merge into the through lanes from the median acceleration lane, extended permissible merging. “It’s a way to get motorists to get in the left lane, then it reduces the amount of traffic called traffic conflicts where someone on the right hand lane has to slow for someone merging,” Mohtes-Chan said. Drivers entering from the right must yield to traffic on the main route, and must make use. These signs are made as per IRC 67 : 2012 Code of Practice for Road Signs with 3M High intensity grade Prismatic material for night time. It’s counterpart on the northbound lanes says “next 6 miles.”Īccording to Gilbert Mohtes-Chan, public information officer for Caltrans District 3 which has jurisdiction over the sign, said it’s simply a suggestion for drivers to avoid slowing down in the rightmost lane. Merge signs appear on expressways just before expressway ramps. When you’re driving on a road and the number of lanes or lines of traffic reduces, and there are no longer any road markings, you must give way to the vehicle that’s ahead of you. “Thru traffic use left lane next 7 miles,” states a sign seen driving southbound into Chico. Though drivers education may have taught about merging lanes, this sign in Chico appears to be uncommon - at least not mentioned in the most recent California Manual of Uniform Traffic Devices. CHICO - Highway 99’s seven-mile double barrel through Chico is a topic of heated claims between licensed drivers about how to properly drive. A merge sign or merging traffic sign is a road warning sign that your lane. ![]() If you were to put it in a closet exactly that size there would be plenty of room for the chair and movement. McCarron Lake House Contemporary How do I create a home library Singapore New Zealand 2023 Houzz Inc. I would do a double pocket door, if you can make it work. A good starting guideline is to hang them at approximately eye level (about 5½ to 6 feet ), although the height of your ceilings and the size of the fixture will come into play.Ī critical point to remember is that whatever height you hang your wall light, you shouldn’t come eye to eye with an exposed bulb, unless the bulb is decorative and meant to be viewed directly. 75 Beautiful Small Home Office Ideas and Designs - November 2023 Houzz UK Photo of a small traditional home office in DC Metro with white walls, medium hardwood flooring and brown floors. To get the most out of your wall lights, placement is key. There are also stylish clip-on options, like the one shown here, that give you the same look and feel without the need for drilling. Or you can easily install plug-in sconces yourself. ![]() You can hardwire sconces - usually with the help of an electrician - behind a wall to eliminate seeing the cord, helping with that sleek aesthetic I mentioned earlier. Plus, it gives you an opportunity to add some visual adornment that ups the style in the room. Wall sconces can be used to create excellent task lighting in an office setting. The soft blue paint on the walls, windows, shelves and cabinetry ( Little Falls by Benjamin Moore) unifies the space. When we’re limited on floor space, we can naturally look to ceilings and walls for opportunities to shine light down. The most-saved home office photo of 2022 is this sophisticated space in Houston designed by Laura U Design Collective. ![]() Good interior lighting plans are all about combining the right lighting in the right places. Instead, take some time to browse various artists and pieces wherever you can and pay attention to that little flicker within that signals you’ve found a meaningful piece. Try not to let someone else tell you what to like. There are no hard and fast rules when it comes to choosing art, except maybe to listen to your heart. If your desk faces a blank wall, art becomes even more important. So if you have a great view from your home office, focus on that and use art as a secondary focal point, such as behind your chair or on an opposite wall. Of course, viewing nature has a strong effect as well. The reality is, work can sometimes make us stressed and anxious, and if we can take even a few moments out of our day to pause and engage with something that brings us joy, we should do it. And it’s especially important in a home office. That’s why I always urge clients to fill their homes with art pieces they feel a deep connection with. Your desk is fine for now, although I love the green suggestions! I think addressing the room envelope will really give you the most impact, though.Research has shown that engaging in cultural activities, including viewing artwork, correlates with better health, more satisfaction with one’s life and lower rates of anxiety and depression. Then add an inexpensive adjustable up-light in the corner to bounce some light off of the wall and shelf underside (make sure to use warm bulbs everywhere). You wouldn't need so many, and make sure it's dimmable. If you have a single fixture in the middle of the ceiling, try to buy another single fixture with multiple lights hanging out of it on cords-IKEA has had these in the past, and I bought one online (Amazon?) with 10 frosted bulbs hanging out of it on cords, which I've threaded around the twigs of a large branch so there is light throughout the room. A curtain is fine too, especially if you can make that yourself-get some terrific fabric. I'd paint the ceiling an interesting color, like a nice green, and use a solid-color Roman shade at the window to coordinate with the ceiling (the ceiling in white is just too much contrast with the paneling, and makes it look tired). As a lover of weird little nooks like that, and for a modest budget, I'd suggest getting those shelves covered with as many old books as you can get-fill them in, with a minimum of other stuff. ![]() Have a suggestion to make the slime better, leave a comment. If you want the slime to be stretchier, you can also add in lotion.Īlso, if you want a harder slime shell at the very end, you can add some baby powder. Mixed together from Instagram, channels are linked down below. More tricks in preparing the Iceberg Slime ICEBERG SLIME, This video features some of the most satisfying and best iceberg slime videos. If you know of other recipes, feel free to use the comments section too. Let us know when you try out our recipe by leaving your feedback in the comments section. The iceberg slime is a perfect for an item in gooey parties. Return the slime to the bowl and leave uncovered for 2 to 4 days or until the slime forms a hard shell that cracks when pressed.īreaking into this slime is simply like breaking a softer eggshell and seeing the fluffy egg whites inside! It is just irresistible! Knead until you get the texture that you want. You can now get the mixed slime and transfer it to a table or any smooth and hard surface for kneading. Do this until the consistency of the mixture is slime-like. Add a tablespoon of Sta Flo one at a time while mixing. The Most Satisfying Slime Videos EVER If you like these and want to see more, give this video a thumbs up and SUBSCRIBE to my Channel by clicking HERE https. In this juncture, you can add a few drops of food coloring if you like. Adult Supervision Do Not Eat You know how. Slowly incorporate cornstarch into the mixture. With the help of an adult, use the mallet or hammer to crack the surface of your homemade iceberg. Step 1: Pour all the glue into a big bowl. To prepare the iceberg slime, you will simply need: Now, prepare to search the cupboards for these ingredients! ![]() But this post is a step-by-step guide to making the crunchy, fluffy and super awesome iceberg slime with ingredients that you can most likely just find at home. ICEBERG SLIME Its sooo cold in Germany, and this satisfying iceberg video fits my mood Today we got another amazing and highly satisfying sizzling iceberg. ![]() There is a various array of easy slimes recipes out there. Start with selecting a basic slime from a huge variety like clear slime, fluffy, butter, crunchy, magnetic slime, ice cream, iceberg, foamy or cloud slime you can then modify by mixing random ingredients as slime activators for amazing creations like face masks, wax candles, frozen honey jelly slime and monster slime pets. Have you ever thought about playing with a fluffy slime that makes that crunchy sound when you press it with your fingers? Something that forms a hard shell every time you leave it be? You’re in luck because this post will show you exactly how to make that! Let’s take your slimy dreams further with the Iceberg Slime! ![]() ![]() ![]() “Squoval also works well if you’re looking to grow out the nail,” adds Tran, “as it catches less due to the edges being rounded off.” We would argue that it’s especially flattering for short nails when paired with bright summer nail colors. “Squoval is a super flattering shape that suits everyone, regardless of nail length,” says Huber-Millet. This shape offers the best of both worlds – “the clean lines of square nails and the softness of rounded edges.” Think of this shape as a soft square. “If you can’t decide between square and oval, then squoval is the perfect pick for you,” says Huber-Millet. Popular on Instagram and in the salon, squoval nails are everywhere right now. “Then, take a nail file and gently file your nails to follow the natural curve of your fingertips.” Top tip? “Always file in one direction, from one side of the nail to the center point and then mirror this on the other side,” she continues. “If you have long nails, trim them down with a nail clipper,” advises Huber-Millet. “This shape is best suited to short nails,” confirms Huber-Millet, “and it’s great for those who want to keep things simple and understated.” Pair with neutral shades such as trending milk nails for a clean and sophisticated nail that perfectly suits being worn as a wedding guest nail design or other classy occasions. As its name suggests, this shape is round and follows the natural curve of the fingertips. “This shape is perfect for anyone who prefers a softer, more natural nail look,” says Huber-Millet. Another classic, rounded nails are back on trend in 2023 - especially for pared-back wedding nail designs. ![]() I know some people are going to call me and say all sort but I AM TIRED!!! She added that she then went to his church and requested to see him but their conversation was far from civil and Pastor Timilehin Adigun called security to throw her and her sisters out of the church.Ĭrying, Juliana said she doesn’t like drama or fights and just wants Adigun to give her back her passwords and set her free. Juliana said she called Adigun but he didn’t pick so she called his wife and spoke angrily to her about her husband’s actions. She said this affected her Instagram because the pages are linked. She said that her uncle also later informed her that Adigun had unpublished her Facebook page. She said she immediately took to her Instagram account to distance herself from the content of the Facebook post. Juliana said that the Pastor proceeded to impersonate her on Facebook and uploaded a picture of him and his wife via her account. She then recounted how she tried to retrieve her passwords from the Pastor in 2020 but only backed down due to the intervention of people around her. I was tired of lying or having to dread lying if I was asked straight up.Juliana said the man then informed her that her Facebook page was unpublished by someone called Timilehin Adigun. “After that one, I decided to stop interviews altogether. I talked about sexual purity, but thankfully I was not asked if I was virgin. “I was on another TV interview that trended for a while. And before I knew it, I heard myself lying again. In the process of the discussion, around the time when it was heated, I was asked out of the blues again if I was a virgin. I was invited to talk for sexual purity while the other guest spoke against. “Shortly after, I was on another TV interview, Crux Of The Matter, with Elsie. So, I proposed never to answer such again. I was upset with myself, however, for answering her. I felt it was my secret and the whole world need not know about it. Ask for a rescheduling of the interview do it again and undo your mistake.’ He said, ‘Call her and confess the truth. I called Dee on my way home and confessed my wrong. ![]() I felt terrible for lying and told God I was sorry. “Immediately the interview was over, I hurried to the bathroom in the studio and cried. I did not see the question coming and I lied. I tried to evade the question, but my interviewer was not having it. I went and for the first time in my several interviews, I was asked point blank if I was a virgin. “Shortly after my confession, Ebony Life TV called me for an interview. I had never said I was but I had never corrected their assumptions either. “However, the fact that I had confessed to Timi Adigun did not mean the world now knew. Her fans on social media have since the latest revelation called her several names, because everyone believed she was a virgin as she had said on several occasions.īut in the same book, she explained why she lied that she was a virgin and also explained how she confessed to her foster father, Timi Adigun and his wife after they all thought she was a Virgin. This revelation came as a shock to fans because she had in different interviews claimed she was a virgin. Nollywood actress, Juliana Olayode better known as Toyo Baby of Jenifa’s Diary, in her book, “Rebirth” stated that she gave away her virginity to her married music teacher at 17. ![]() The manager possesses energy for building strong situations in different assets and boosting expected gains while keeping less cash close by. They typically must give a 30-to 90-day notice so the fund manager might liquidate underlying securities that allow for payment to the investors.ĭuring the lock-up period, a hedge fund manager might invest in securities according to the fund's objectives without concern for share redemption. In any case, other hedge funds might have no lockup period at all relying upon the structure of the fund's investments.Īt the point when the lock-up period closes, investors might recover their shares according to a set schedule, frequently quarterly. ![]() Notwithstanding, in light of the fact that event-driven or hedge funds frequently invest in additional thinly traded securities like distressed loans or other debt, they will generally have drawn out lock-up periods. For instance, a long/shortfund invested for the most part in liquid stocks might have a one-month lock-up period. The lock-up period for hedge funds corresponds with the underlying investments of each fund. It likewise allows the IPO issuer to hold more cash for continuing growth. Hedge fund lock-ups are regularly 30-90 days, giving the hedge fund manager time to exit investments without driving prices against their overall portfolio.įor new businesses, or companies hoping to open up to the world through a IPO, lock-periods assist with showing that company leadership stays in salvageable shape and that the business model remaining parts on strong balance. ![]() There are two principal utilizes for lock-up periods, those for hedge funds and those for new companies/Ipo's.įor hedge funds, the lock-up period is planned to give the hedge fund manager time to exit investments that might be illiquid or in any case unbalance their portfolio of investments too quickly. Trading Fund Trading Hedge Funds What is a Lock-Up Period?Ī lock-up period is a window of time when investors are not allowed to reclaim or sell shares of a specific investment. ![]()
You can play classic Hearts online on our website. With each play of a suit it is increasingly likely that one of the other players will be out of that suit and thus able to discard points (either hearts or, far worse, the queen of spades. A good rule to follow when beginning is to play your high cards on the first lead of a suit and move to your lower cards when the suit is led again. The most obvious strategy is to play low cards, which is all well and good if you have them, but somewhat more difficult when you do not. The best insurance against picking up the Queen of spades is to lead low spades every chance you get. ![]() ![]() But you can't keep the Queen unless you have enough spades to defend her (four is best, three is chancy). It's better to keep the Queen of spades and dump her on someone during play than to discard her only to have her dumped back on you. Therefore, the danger of taking any trick is decidedly increased. When playing with the queen of spades, the number of points in each round doubles from 13 to 26 (the queen being worth 13 points). Once you have no cards of a particular suit left, you can discard your dangerous cards every time that suit is led. A second strategy is to try to empty your hand of a single suit by passing only one suit to your opponent. The first, and most obvious, is simply to rid your hand of the dangerous cards: High hearts the ace, king, or queen of spades and any other high cards. Success in Hearts is largely determined by the cards you discard before every hand. There are many variations of this awesome game such as: Small Hearts, Queens, Rickety Kate, Partnership Hearts, Likha, Booster Nines, 500 Hearts. Play continues in this manner until all cards are gone. Hearts cannot be led until they are BROKEN by either someone playing a Heart or the Queen of Spades on a trick. The player that wins the trick now leads a card. You must follow suit until your hand is absent of the led suit. The highest card in the led suit wins and the point value of all the cards in that trick are assessed. Each player plays one card and together they are called a trick. After receiving 3 cards passed to you, the first trick is led by the player to the left of the dealer. Next, each player chooses three cards, and passes them to another player. The game begins with all cards being deal. The winner is the player with the lowest total score. The game ends when a player reaches 100 points. Cards that are out of play are inactive and darkened. The hand is sorted by suit, then rank: Hearts, Diamonds, Spades, Clubs. Each player is dealt a hand of 13 cards from a 52 card deck. This game uses the standard 52-card pack. Cards have the following point values: Hearts: 1 point, Queen of Spades: gives 13 points, Other cards: 0 points. The object of the game is to be the player with the fewest points. Hearts is a four-player point-based strategy card game. Good luck and have a good time! Basic Rules This free online game is available in browser across all your Android, iOS and Windows devices. You can play mobile Hearts on our website. In many parts of the world it became known through the Microsoft version of the game packaged with most 1990s versions of its Windows operating system. The game has become popular in live play among grade school students in Canada, and has increased in popularity through Internet gaming websites. This card game as currently known, originated with a family of associated games called Reversis, which were popular around 1750 in Spain. ![]() Hearts is a trick-taking card game played by four players. |
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