8/9/2023 0 Comments Prescreen credit offers![]() ![]() The consumer reporting agency must exclude information about any individual that has elected not to be included on prescreened consumer lists. Once the prescreened individuals have been identified for inclusion on a consumer list, the consumer reporting agency may only provide the financial institution with limited information about each individual. Alternatively, rather than stipulating certain characteristics, a financial institution may also rely on the consumer reporting agency to use its own independent algorithms and credit evaluation processes-only consumers with a minimum credit score, for example-to identify consumers for the financial institution. Prescreening is the only circumstance in which consumer report information may be used for marketing purposes, and one of the few circumstances in which consumer report information may be provided in the absence of a consumer-initiated transaction.Ī financial institution can tailor the prescreening criteria based on a wide variety of characteristics, which typically include demographic information, such as ZIP code, and credit information, such as number of existing lines or credit or current credit limits. The process by which individual consumers are identified to receive firm offers of credit is based on a predetermined set of criteria used to prescreen those individuals for inclusion on a consumer list. How Are Consumers Prescreened to Receive Firm Offers of Credit? To avoid violating the FCRA, financial institutions must develop internal processes to ensure that the FCRA’s proscriptive requirements are satisfied when making firm offers of credit. However, the FCRA establishes a framework by which financial institutions can obtain such a prescreened consumer list if the financial institution intends to extend a firm offer of credit to each consumer on the list. Thus, a financial institution must have a permissible purpose to obtain a consumer report about each individual on the list. This includes lists of consumers that match a specified set of characteristics, because the FCRA treats each name on the “prescreened” list as a consumer report. Unless a financial institution has a permissible purpose as enumerated in the FCRA, a financial institution cannot obtain a consumer report nor can a consumer reporting agency provide one. The federal Fair Credit Reporting Act (FCRA) strictly regulates the use of consumer reports, which contain highly sensitive information bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ![]()
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8/9/2023 0 Comments Altman z score calculator![]() You can efile income tax return on your income from salary, house property,Ĭapital gains, business & profession and income from other sources. ![]() Just upload your form 16, claim your deductions and ClearTax serves 1.5+ Million happy customers, 20000+ CAs & tax experts & 10000+ businesses acrossĮfiling Income Tax Returns(ITR) is made easy with ClearTax platform.
![]() Teachers should monitor students’ progress to determine if an alternative pathway is necessary. These students may not be able to work back up to grade-level material with the included precursor and remediation lessons. Far Below Basic: These students generally do not exhibit any appropriate performance when tested on grade-level skills and concepts.These students should be able to work back up to grade-level material with precursor and/or remediation lessons included. Below Basic: These students generally exhibit minimally appropriate performance when tested on grade-level skills and concepts. ![]() They also serve as a measurement gauge to monitor a child’s progress and determine if the child is making sufficient progress towards attaining an annual goal. These students should experience success on a grade-level pathway with some remediation lessons included. Benchmarks indicate the interim steps a child will take to reach an annual goal. Basic: These students exhibit some appropriate performance when tested on grade-level skills and concepts.These students should experience success on a grade-level pathway with few remediation lessons included. Proficient: These students exhibit appropriate performance when tested on grade-level skills and concepts.Teachers should consider adjusting the pathways of these students to a higher grade level. Advanced: These students exhibit advanced performance when tested on grade-level skills and concepts.If your in-program view of performance levels differs from the below, view the information for your state by clicking Performance Level Guide at the top of the Benchmark report. ![]() Some states have partnered with MetaMetrics to determine their own performance levels with their own Quantile ranges and naming conventions. The default Imagine Math Performance Levels are listed below. For students in Imagine Math 3+, the performance level also displays on this report. The class-level view of the Growth section of the Benchmark report indicates the percentage of the class in each performance level.Ĭlicking on a class name enables you to view each student's performance level on Benchmark 1 and the most recent subsequent Benchmark.Ĭlicking on a student's name opens the Student Progress report. Teachers and Administrators can view students' performance levels on the Benchmark report for students in Grades K and up. ![]() Each performance level has cutoff Quantile ranges per grade level. Students' performance levels are determined by the Quantile® measure students receive from taking the Imagine Math Benchmark test. (e.g., the meaning and operations of whole numbers, including simple math. They can help you group students and determine appropriate instruction. common standards, the standards must address the problem of a curriculum that. Performance levels are labels used to describe students’ performance when instructed on grade-level skills and concepts. Performance levels apply to students taking the Imagine Math Benchmarks in Grade K and up PreK students do not receive a performance level.This article does not apply to students taking the NWEA™ MAP® Growth Assessment. ![]() 8/9/2023 0 Comments Jordan nike swish![]() ![]() Its construction offers second to none comfort, combining utility with an amazing look. The shoe is made entirely of leather panels and synthetic materials. There are also many special editions as Nike Air collaborates with many other brands. Available in a wide variety of colors and models, Air Jordan 1 is a must-have for any sneaker fan. Suddenly, everyone in the United States wanted to feel like Michael Jordan.Įven now, the first installment in the Air Jordan brand remains one of the most popular sneakers worldwide. As soon as the season finished and Jordan was crowned the Rookie of the Year, the Air Jordan 1 shoes became a huge hit. Nobody knew back then that the 84/85 NBA campaign was the beginning of his legacy. It is fair to say that Nike took the gamble by supporting the Jumpman. Download Free Air jordan logo PNG Images, Air Jordan, Air Jordan Retro Xii, Air Jordan 1, Air Jordan 10, Air Jordan 5, Air Jordan 5 Retro, Nike Air Jordan. Interestingly, the sneakers' original black-red colorway violated the NBA's uniform policy, resulting in a $5,000 fine every time MJ played in them. It all began in 1985 when Nike introduced Air Jordan 1, designed by Peter Moore for Chicago Bulls and NBA legend Michael Jordan, at the start of his professional basketball career. Today, it has millions of loyal fans who love it for its fantastic design and top quality. The Air Jordan logo, otherwise known as the Jumpman, is a stylized image of Michael Jordan leaping towards a basketball net in his custom pair of Nike. ![]() ![]() Air Jordan is one of the most renowned sneaker brands in the world. ![]() 8/9/2023 0 Comments Wine shop at home![]() ![]() ![]() Recessed lighting is a good choice for basements since they won’t take up too much space. Install some soft lighting in your wine cellar so you can see everything clearly.If a bottle breaks or something spills, clean it up immediately to prevent pests from making your wine cellar their home. Keep your wine cellar clean, and don’t let dust accumulate on the bottles.Look for new products that feature wireless capabilities so you can check the status of your wine cellar from your phone. A hygrometer reads the humidity levels in the air to help you monitor the conditions in your wine cellar. The temperature and humidity levels need to be consistent for wine to stay fresh, so invest in a good digital thermometer and hygrometer.Here are some tips to ensure that your wine cellar is taken care of the right way: While you definitely want your new wine cellar to look fabulous with some chic décor, it’s also important that you maintain it, so your bottles of wine remain in good condition. Talk to several contractors and get a few estimates if you don’t think you can stay within your budget by doing things DIY. Make sure you plan your budget in advance and try not to go over your limit.Wine bottles come in a variety of shapes and sizes, so don’t forget to install racks or shelving that are adjustable or that feature different designs to fit different bottles.You can build your own custom wine rack or choose a prebuilt rack that will accommodate your desired number of bottles.Basements tend to be extremely hot without the right cooling equipment in place. While this may cost you a bit more upfront, it’s wise to invest in something high-quality to save you money in the long run. ![]() Invest in a good, high-quality cooling unit to keep the temperature at an optimum level.Use plywood to cover existing walls or to build new walls since it can withstand moisture better than drywall. Concrete is often used for basement walls, but it will need additional insulation if you plan to store wine there. If you have your heart set on a glass door, make sure it’s double glazed or that it features an argon-filled portion between two panes to keep the room insulated. Glass may look nice, but it’s not a good insulator. Think about the materials you plan to use for your wine cellar.Look into adding specific components like the right insulation, a vapor or moisture barrier, and find ways to ensure that your wine cellar has an airtight seal. Without the right storage conditions, wine can go bad which means your treasured bottle of vintage red wine could be wasted. Understand how to store and maintain your wine properly.How will you use the wine cellar? Will it be a place where you can entertain friends or just a storage space for your favorite wines? Make sure you declutter the space and clean it thoroughly before you work on adding new elements to the structure.Here are some key considerations to think about before you start designing your new cellar: In addition to being able to enjoy these wines at home by purchasing them through our online store, retail channels and Peller Estates Wine Club, wine enthusiasts can also experience our award-winning wines through a wide range of special events and hands-on seminars at the winery.Once you’re ready to build your wine cellar, there are a lot of crucial things to examine before you commit. Today, the Peller Estates wine portfolio features four collections: Andrew Peller Signature Series, Private Reserve, and Family Reserve. Our company’s founder arrived with a dream of creating a culture across the country, where, much like in Europe, premium-quality wines were appreciated and enjoyed amongst family and friends. That appreciation for the sense of connection between wine, family and friends has grown over four generations since Andrew Peller first came to Canada. Whether poured around the dinner table at home, or enjoyed during an immersive wine and culinary experience at our award-winning Niagara-on-the-Lake winery, there is no greater honour than when our wines are shared with family and friends. Peller Estates has been crafting quality wines for Canadians for over 50 years. Reservations are Recommended TERRACE WINE BAR Reservations are Recommended THE WINERY RESTAURANT HOURSġ2 PM - 8 PM Daily | Last seating at 7 PM Daily 10 AM - 9 PM | Last tasting at 7:00 PM ![]() 8/9/2023 0 Comments M1ms18 flashlight![]() ![]() Includes detailed tracking and confirmation of delivery. Express by DHL/UPS/Fedex/Aramax/SF etc ( there may be tax need to pay in this way), The estimated time of delivery is usually 3-7 work days depending on the country. Lost-in-transit requests must be submitted to Flashlightgo Support within 3 months of the date of shipping or before the courier archives the tracking information. ![]() If you don’t receive your order within the estimated time frame provided below and suspect that it might be lost in transit, please contact Flashlightgo Support ( ) and we can look into the order with the courier. For some flashlights, there's a pure battery inside(phone charging),If We can not ship your packages via USPS or DHL,we'll ship your package in another way. All shipping ways, PO Box address is not acceptable. An international package could experience delays like postal strikes or severe weather or Cov-19 situation. The estimated times stated below are not guaranteed. Priority worldwide shipping, Premium ( Partial countries) and a faster Express shipping. Currently, we offer 3 International shipping methods which are steady and easy to track. SHIPPING The final shipping cost and estimated delivery timeframe will be available to you during checkout. Inside we find in addition to the flashlight also a 19V charger for fast charging, a carrying strap, spare o-rings and a user manual. The Imalent MS18 arrives in a beautiful rigid package with a practical carrying handle. From flashlight in lockout mode, click the switch 5 times to unlock the interface. Four quick and consecutive clicks to activate the fans without necessarily having to turn on the light and 5 consecutive clicks to electronically lock the interface. With the flashlight off, press and hold the switch to turn on the auxiliary LEDs located above the switch. The 100000 lumen Turbo is not present in this cycle but can be easily recalled via a shortcut. With the flashlight on, however, a single click will turn off the flashlight, double will allow access to the Turbo, prolonged click to cycle the various output levels in the order Low / Middle Low / Middle I / Middle II / High I / High II / High III lumens. The user interface is simple, easy to remember and full of features: from the torch off with a click the light turns on, with a double click you access the Turbo and with a triple click the voltage is displayed on the small OLED screen. ![]() There are also two small auxiliary LEDs next to the switch that allow you to quickly locate the switch when in total darkness. It is metallic, protruding and easily operated even when wearing gloves.Ībove the switch there is a small OLED display that allows the user to instantly view the output level used, the information on the interface block and the battery voltage. On the Imalent MS18 we have a single switch that allows you to access all the functions and interface shortcuts. A red light is visible on the battery pack during the charging phase and turns green when charging is complete. The battery pack is recharged through the charging interface in the queue and using the power supply provided in the package. Near the head there is a small metal ring that allows you to install the carrying strap supplied. The dimensions of the Imalent MS18 are 265 mm (length) x 129 mm (head diameter) x 59 mm (body diameter), while the weight is 1900 g including the battery pack. The threads are precise, arrive well lubricated and are anodized so it is possible, by slightly unscrewing the head from the torch body, to mechanically lock the user interface and avoid accidental switching on. The large head of the Imalent MS18 contains the LEDs, the switch and all the circuitry, while the tube contains a battery pack made up of 8 3.6V 21700 cells for a total power of 92.2Wh. The tailcap can be unscrewed for access to the charging interface: It is also flat and therefore allows you to use the flashlight in tailstanding. These, by pushing the air forcefully inside the head, are able to regulate the temperature of the flashlight and dissipate the heat produced by the powerful LEDs when the flashlight is used on high power output levels The Imalent MS18 has inside two fans for active heat dissipation positioned near the head. The beam of the Imalent MS18 has a color temperature of 6500K and differs from that of its sister Imalent MS18W which instead has a warmer tint of about 5000K. The Imalent MS18 is one of the most powerful portable flashlights in the world in fact thanks to its 18 second generation CREE XHP70.2 American imported LEDs it is able to pull out 100,000 lumens with a beam range of 1350 meters and a maximum light intensity of 458000 cd. ![]() 8/9/2023 0 Comments Royal clipper cruise![]() ![]() ![]() Head Office: The Waterfront, 62 Wolverhampton Street, Walsall WS2 8DD. Registered Office: Co-operative House, Warwick Technology Park, Gallows Hill, Warwick, CV34 6DA. The Travel Village Group T/A Southampton Cruise Centre is a member of The Co-operative Consortium which is part of Midcounties co-operative Limited registered in England and Wales with registered number IP19025R. Cruise itineraries are subject to change, and will be confirmed by your booking agent at the time of booking. Offers are capacity controlled and may be modified or withdrawn at any time. To see discounted cruises on this ship, use the Find a Bargain box on the left. Star Clippers Royal Clipper Cruises to the Mediterranean We found you cruise s Filter Sort: Popularity Royal Clipper 7 Night Mediterranean - Western Cruise 106 Reviews Leaving: Cannes. Fares are per person based on 2 people sharing a stateroom. Royal Clipper 7 Night Mediterranean - Western Cruise 106 Reviews Leaving: Cannes Cruise Line: Star Clippers No prices currently available for this sailing. All fares are a guide (not live pricing) and subject to change without notice, please call for latest prices. All savings are included in the fares shown unless specified. Fares are subject to availability and operator booking conditions. Inspired by the legendary tall ship Preussen the 439-foot Royal Clipper offers the ultimate seagoing experience, balancing the splendor, adventure and tradition. Star Clipper Cruise Lines is a luxury cruise line that offers worldwide sailing adventures in some of the worlds most beautiful. Terms and conditions apply to all offers and prices displayed on this website. ![]() 8/9/2023 0 Comments Green obsidian benefits![]() ![]() At the same time though, it will make it easier for you to speak the truth. You will no longer be tormented by negative thoughts or opinions about yourself or others. Wearing green obsidian or carrying it with you can help balance your thoughts and feelings.It can heal your root chakra and make you feel centred, balanced, grounded, and at ease within yourself. If your root chakra is blocked, you might have a hard time connecting with your surrounding or finding balance in life.This has to be one of the most impressive things about it. It actually converts any negative energy coming your way and turns it into positive energy. Since green obsidian is packed with powerful energies, it effortlessly protects you from negative energy.It encourages you to constantly take your spiritual practice to the next level so that you can achieve enlightenment. ![]() In fact, it pushes you to find answers to all of your biggest questions. It can quickly clear obstacles in your spiritual journey.These will give us an idea of its unique energies, vibrational frequencies and how it reacts with our energy body. To understand how this crystal works, we need to dive deeper into green obsidian metaphysical properties. Finally, it can stimulate females’ reproductive organs and can actually enhance their fertility.Green obsidian also works on the skin and can reduce acne and blemishes. ![]() And this crystal is quite effective at removing these. This is because chronic headaches are often a result of prolonged emotional or physical stress. If you’re suffering from chronic headaches or migraines, this crystal might help you too.It can even lower your blood pressure and improve blood flow in the body. Due to its association with the heart chakra, it can also keep your physical heart resilient and functioning normally.This can provide relief during moments of physical stress. ![]()
8/9/2023 0 Comments Chicken fajitas sides![]() But, if you want to serve something else with them, there are many different options to choose from. The great thing about fajitas is that they are a complete meal. Sometimes you just want to make a quick and easy meal and Fajitas fit that bill. ![]() Our family loves Mexican and Fajitas are an easy dish to make. To complete the meal, you can serve a delicious side dish with it. It is a great source of both protein and vegetables. Another story claims that the dish originated in Mexico City and was brought to America by migrant workers.įajitas are a great quick meal that is perfect for both dinner and lunch. One story says that the dish was created in the 1930s by a man named Ninfa Laurenzo who owned a restaurant called La Reyna in Houston, Texas. There are many different stories about the history of fajitas. Plus, they're perfect for feeding a large crowd! WHAT IS THE HISTORY OF FAJITAS? They are easy to make and can be tailored to fit any palate. Fajitas can also be made vegetarian by using vegetable strips in place of the meat.įajitas are one of the most popular Mexican dishes in America. But what do you serve with fajitas? There are many different dishes that go well with these tasty wraps! WHAT ARE FAJITAS?įajitas are a type of Mexican dish that is made up of strips of meat, usually beef or chicken, that are cooked with vegetables. Fajitas are a Mexican dish that is traditionally served with tortillas, guacamole, salsa, and sour cream. ![]() 8/9/2023 0 Comments Random video chat naked![]() Scroll down until you find the person you are interested in, or swipe left or right until you see them offscreen. However, there are other options at the bottom that allow you to view more specific results (e.g. You will see a list with nearby people that are interested in chatting with you. After you have downloaded the app, you can open it and click on “start speaking” at the top.However, this information is not mandatory. When you sign up for the first time, you will be asked to provide your age and location. Create a username/password and download the app from either the iOS App Store, or the Google Play Store.The app allows you to start a conversation without saying anything. It connects you with random people in your area. Coco Chat is a great alternative to Omgle and Coco Chat because it doesn’t have private profiles. So what are you waiting for? Get started now! Now is the time to talk to strange individuals right here using Coco Chat!Ĭoco Chat has many benefits. We’ve simplified our software so that you receive exactly what you’re searching for: a method to meet new people and make new connections. You never know who you’ll run across next on the street!Ī random video chat is the best method to meet new people if you want to make new friends, and chat coconut is the vehicle that will take you there. It is completely free and simple to begin video chatting and having fun. You can also engage in political discussion or just enjoy a relaxed video chat with someone you would have never met otherwise. Learn about new people and places, find a date, demonstrate your abilities and seek for guidance. Chat with random people online from all around the globe in real time. These include face masks, gender and country filters, private chat, and more. ![]() Meet new people online with the help of Coco Chat, a random video chat options are available on Coco Chat. ![]() |
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