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![]() ![]() This wasn’t the case until a federal law took effect September 18, 2021, that eliminated fees that consumers had to pay in many states to freeze and unfreeze their credit. It’s free to place, temporarily lift and remove a credit freeze. ![]() How to place and lift a credit freeze on your credit reports ![]() It’s easy, though, to lift a freeze if you want to apply for a loan or new credit card. However, you won’t be able to get new credit while there’s a freeze on your reports. Placing a credit freeze won’t impact your credit score. That’s why it is an effective way, Ray says, to stop thieves from opening accounts in your name. “If somebody’s credit is frozen, that means that they purposely froze it either because of fraud or because they're trying to prevent fraud,” says Partha Ray, founder of Fellow Fox, an online course and community built to protect older adults against scams and fraud. It also sends a red flag to lenders that they shouldn’t be extending new credit in your name. If your credit reports have been frozen, lenders can’t check them. When consumers apply for credit cards and loans, lenders check their credit reports to see what sort of credit history they have and to determine whether they want to lend to them. It does so by blocking access to your credit report. What is a credit freeze?Ī credit freeze-also called a security freeze-prevents new loans and credit accounts from being open in your name. However, it’s simple, effective and free. The Javelin study found that victims spent an average of 16 hours disputing charges on fraudulent accounts.įortunately, there is a way to reduce the risk of someone using your personal information to open accounts in your name: Freeze your credit.įreezing your credit might seem like an extreme way to combat fraud. In fact, nearly 5 million Americans were victims of identity theft that led to new accounts opened in their names and losses of nearly $7 billion, according to the Javelin 2022 Identity Fraud Study co-sponsored by AARP.ĭealing with this sort of fraud can create a big headache for consumers. Experian Security Freeze – P.O.If criminals get your personal information, they can do a lot of damage-including opening lines of credit in your name and racking up hundreds or thousands of dollars of debt.TransUnion Fraud Assistance Department – P.O.If you are a victim of identity theft you cannot be charged a fee for this service provided you submit a valid copy of a police report or an FTC ID Theft Affidavit. Expect a credit reporting agency to remove or lift the Security Freeze for a party to receive a report within three business days of your request provided you submit proper identification, your password or PIN and payment of any applicable fee.Ī consumer reporting agency is permitted to charge consumers who are not victims of identity theft a fee of up to $5 for the removal or lifting of a Security Freeze, the second or subsequent placement of a Security Freeze or the replacement of a lost password or PIN.Use the password or PIN to temporarily lift or permanently remove your Security Freeze. ![]()
![]() The item pool for Legendary items found on enemies drops and altars is. An Unnatural Vice by KJ Charles (and and A Seditious Affair, although that one’s kinda lovers-to-enemies-to-lovers) The Earl I Ruined by Scarlett Peckham. The Premium plan gives you special benefits More Buff points every. This is How You Lose the Time War by Amal El-Mohtar and Max Gladstone. From nonbinary and trans characters to princesses casually having wives, She-Ra introduces a setting where these characters can just exist without explanation. Though a sweet story, it’s a little heavier than Friends With Benefits, mostly due to Maggie’s Parkinson’s diagnosis, it’s a cute love story nonetheless. And Amulets, passive items which grant powerful offensive or defensive benefits. Nitro norecoil of online osiris overlay phasmophobia polygon premium pubg pubgm r6. Our main characters, Adora and Catra, are enemies who become friends in an inherently queer world. Just like in Friends With Benefits, they continue their casual sexual relationship and eventually have to decide if they want it to be more. ![]() Henson, Sam Rockwell, Babou Ceesay, Anne Heche The PG-13 movie has a runtime of about 2 hr 13 min, and received a user score of 74. In Love and Other Drugs, Maggie (Anne Hathaway) and Jamie (Jake Gyllenhaal) start out as - you guessed it - casual acquaintances who end up having sex. Released April 5th, 2019, The Best of Enemies stars Taraji P. If you’re into rom-com vibes in movies like Legally Blonde, 10 Things I Hate About You, and Crazy Rich Asians, you will love these other casually sexy movies. But as with so many friends with benefits, feelings quickly befall them - so what then? You’ll have to watch the movie to find out. ![]() The 2011 film starring Justin Timberlake and Mila Kunis tells the story of two ridiculously attractive people who become fast friends and eventually slide into bed together. She looks at me like I'm something she found on the bottom of her shoe, tears streaming out of both eyes now. ![]() Friends with benefits can be such an appealing situation for some people, but for others, watching movies like Friends With Benefits is enough. ![]() ![]() She was 'shocked' after witnessing him ‘waiting’ to watch her child perform for him during a video call ![]() The mother, who asserts that a BBC star paid her child for sexual images, shared her astonishment at seeing a photo of the presenter in his shorts. 'BBC presenter 'paid' thousands for teen's nudes, who later used the money for drugs, became an addict' Those that fail to explode pose a danger for decades after a conflict ends. ‘An act of desperation’: Russia on US supplying cluster bombs to UkraineĬluster munitions typically release large numbers of smaller bomblets that can kill indiscriminately over a wide area. BTS' two and a half-hour-long concert saw the septet perform 23 songs, including their multiple award-winning ' ON', 'Dionysus', 'Black Swan', and the Billboard Hot 100 chart-topper, 'Dynamite'. In a year where all plans were marred by the coronavirus pandemic, BTS found a way to connect with and enthral thousands of their fans around the globe through their Map of the Soul ON:E' online concert in October 2020. The special aired and stream in India simultaneously on Vh1 and Voot Select at 7:30 am. MTV also offered a free 24-hour pass on their website where one could enter an email address and create a password to register an account. In the US, BTS' MTV Unplugged aired on MTV on 23 February. ![]() Fans could also catch the special on television on Vh1 India at the same time, as per a report in Bollywood Life. The episode streamed in India on Voot Select on 24 February. ‼️ BTS IN WHITE SUITS DURING THEIR #MTVUnplugged performance of #Dynamite!! #BTSonMTV /gt7QhFR9yv ![]() ![]() VALUE FOR MONEY: At $39.95 for a one-year license, Syncios Data Transfer provides excellent value for its price.Quality: The software is well-coded and reliable, with no known bugs or issues.Service: The company offers frequent updates and improvements to the software.Support: Syncios provides excellent customer support through email and online chat.EASE-OF-USE: The software is easy to use, with a simple and intuitive interface.Effectiveness: Syncios Data Transfer is highly effective in transferring data between devices and backing up data.The full version is priced at $39.95 for a one-year license for a single PC, with discounts available for multi-user licenses. Syncios Data Transfer offers a free trial version with limited functionality. 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Whether you’re upgrading to a new phone or looking to back up your important data, transferring large amounts of data from one device to another can be frustrating. ![]() ![]() ![]() Both gasoline engines are paired to an eight-speed automatic transmission. ![]() Upgrading to the 250-hp turbocharged 2.0-liter four-cylinder is the compelling choice and was powerful enough to score a 5.7-second result in the same zero-to-60-mph test. The turbo three, while somewhat grumbly and unrefined, provides adequate acceleration and managed to motivate an all-wheel-drive Escape SE to 60 mph in 7.7 seconds at our test track the plug-in hybrid model matched this result. The Escape offers a wide range of powertrains, starting with a 181-hp turbocharged 1.5-liter three-cylinder engine that can be had with either front- or all-wheel drive. The SEL adds plenty of niceties that compact SUV shoppers will appreciate, including rear parking sensors, memory settings for the driver's seat and exterior mirrors, fake leather upholstery, a remote-start feature, a leather-wrapped steering wheel with heat, a hands-free power liftgate, fog lamps, and roof-rack side rails. The best value of the lineup is the mid-range SEL trim with front-wheel drive. A new 19-inch wheel design is optional on the Titanium model, and a Class II Trailer Tow package is now available on Escapes with the optional turbocharged 2.0-liter four-cylinder engine. Elsewhere, adaptive cruise control and a traffic-sign recognition feature join the optional Co-Pilot360 Plus package a hands-free power liftgate and memory settings for the driver's seat and exterior mirrors are now part of the Technology package and a 10-way power-adjustable driver's seat, a keyless-entry keypad, and LED exterior lighting are now on the list of features in the Convenience package. What's New for 2021?įord has expanded the availability of the hybrid powertrain to the SE and SEL trims for 2021 it's now standard on the top-spec Titanium model. Despite its flaws, the Escape continues to be a decent option for compact SUV buyers, but competitors such as the Mazda CX-5 and Volkswagen Tiguan offer greater refinement, nicer furnishings, and more driving pleasure for similar money. The Escape's stylish cabin matches its smooth-edged exterior styling, but the most affordable models project an air of cheapness that may put some buyers off. Four different powertrains are offered including optional hybrid and plug-in hybrid setups, which aim to sip fuel and provide extra electric-powered boost when needed. ![]() All-wheel drive is available, but the Escape lacks the sophisticated all-terrain gear of its new, larger go-anywhere stablemate. Ford's new off-road capable Bronco signals the brand's fresh focus on off-the-grid adventure, but its bread-and-butter Escape crossover still caters to the on-road, family-car crowd. ![]() ![]() ![]() The following Conditions of Sale and Terms of Guarantee, as amended by any posted notices or announcements during the auction and in addition to the Term of Use for, are Charitybuzz, LLC and the Seller’s entire agreement with the purchaser and any bidders relative to the property listed in this lot. The game also will be released on the new Wii U system from Nintendo during launch window. Just Dance 4 will be released in the US on Octoon the Wii, Kinect for Xbox 360 and Sony PlayStation Move. With Just Dance 4, the party never ends! Have a blast dancing, laughing, and breaking a sweat with friends and family all night long. Everything you know and love about Just Dance gets even better with Just Dance 4-hot new tracks, fun irreverent dances, and more. ![]() ![]() Just Dance 4 is the perfect catalyst for the best parties, no matter what the occasion, thanks to modes like the all-new Battle mode, an upgraded Just Sweat mode, and even more fun, alternative dances. The tracklist also features legendary artists such as Barry White and The B-52’s to get the whole family up and moving. Christina Aguilera and “Love You Like a Love Song” by Selena Gomez & The Scene. The world’s #1 dance game is back with Just Dance 4! With a tracklist packed with over 40 songs from a variety of top artists, popular genres and hot billboard songs like “Good Feeling” by Flo Rida, “Moves Like Jagger“ by Maroon 5 ft. The Just Dance-inspired outfits are truly one of a kind. Kendall Jenner was featured in a "Just Dance 4" inspired "Blue Swirl" Silk Chiffon Short Jumpsuit, which is handmade in the USA and is a size 0 with a side zipper. Kendall and Alex’s custom made and autographed outfits that they wore down the runway are up for auction. VIPs and other celebrity guests, including Kendall Jenner and women’s professional soccer star and gold medalist, Alex Morgan walked the runway to hit songs from Just Dance 4’s highly anticipated tracklist. In the first collaboration of its kind, designer Michael Kuluva created exclusive looks inspired by the style, look and energy of Just Dance 4, the next highly anticipated installment in the Just Dance franchise due out on October 9, 2012. ![]() ![]() ![]() Flights were grounded and trains cancelled. For five days, the Great Smog paralyzed London and crippled all transportation, except for the London Underground train system.īecause of poor visibility, boat traffic on the River Thames came to a halt. The smog was so dense that residents in some sections of the city were unable to see their feet as they walked. The noxious, 30-mile-wide air mass, teeming with acrid sulfur particles, reeked like rotten eggs-and it was getting worse every day. The temperature inversion prevented London’s sulfurous coal smoke from rising, and with nary a breeze to be found, there was no wind to disperse the soot-laden smog. London Fog Becomes London Smogįog, combined with smoke to produce smog, was nothing new in London, but this particular “pea souper” quickly thickened into a poisonous stew unlike anything the city had ever experienced.Ī high-pressure weather system had stalled over southern England and caused a temperature inversion, in which a layer of warm air high above the surface trapped the stagnant, cold air at ground level. But within a day, it became impossible to ignore the unfolding crisis. Nonetheless, Londoners went about their business with typical British reserve, ignoring the foul air as much as possible. Smoky, diesel-fueled buses had recently replaced the city’s electric tram system, adding to the toxic brew. Within a few hours, however, the fog began to turn a sickly shade of yellowish brown as it mixed with thousands of tons of soot pumped into the air by London’s factory smokestacks, chimneys and automobiles. Paul’s Cathedral, London Bridge and other city landmarks. A wintry cold snap had gripped the British capital for weeks, and as Londoners awoke, coal fireplaces were stoked in homes and businesses across the city to take the chill from the early morning air.Īs the day progressed, a veil of fog-not unusual in a city famous for its cool, misty weather-began to enshroud Big Ben, St. Interestingly, while the London fog was highly acidic, contemporary Chinese haze is basically neutral,” he added.Clear skies dawned over London on December 5, 1952. “Again, the right chemical processes have to interplay for the deadly haze to occur in China. He said sulfur dioxide is mainly emitted by power plants in China, while nitrogen dioxide comes from power plants and vehicles, and ammonia comes from fertilizer use and vehicles. “The difference in China is that the haze starts from much smaller nanoparticles, and the sulfate formation process is only possible with ammonia to neutralize the particles,” Zhang said. The study said that similar conditions often occur in China. Our results showed that this process was facilitated by nitrogen dioxide, another co-product of coal burning, and occurred initially on natural fog.” “But how sulfur dioxide was turned into sulfuric acid was unclear. “People have known that sulfate was a big contributor to the fog, and sulfuric acid particles were formed from sulfur dioxide released by coal burning for residential use and power plants, and other means,” lead author Renyi Zhang, a scientist at Texas A&M University, said in a statement. Their work was published in Proceedings of the National Academy of Sciences. The incident eventually led to the Clean Air Act of 1956, restricting the burning of coal in urban areas in the United Kingdom.Ī team of scientists now believe they have solved the mystery of the exact cause and nature of the fog, through lab experiments and measuring the atmosphere in China, which is home to 16 of the 20 most polluted cities in the world. 9, after cold winds swept the fumes out to the North Sea. Birds flew into buildings, and robberies increased as thieves were able to make an easy getaway. Some Londoners reported being unable to see their feet, and transportation was canceled with the exception of the London Underground. 5 that year, sulphur particles mixed with fumes from burning coal and made the yellow fog smell like rotten eggs. Thousands of animals also died.ĭuring a cold snap on Dec. The Great Smog, which blanketed the British capital for five days in December 1952, is estimated by some experts to have killed more than 12,000 people and hospitalized 150,000. LONDON - The decades-old mystery of what caused a killer fog that claimed the lives of thousands of people here appears to have been solved by a team of international scientists. Watch Video: Cause of 1952 deadly London fog determined ![]() ![]() ![]() They are one of only two species in the world that can produce their own vibrant blue colors. Mandarin gobies have several quirks that make them a fascinating and beautiful fish species. The Mandarin goby is a marine fish found in the Pacific Ocean, inhabiting inshore reefs and sheltered lagoons. We think these stunning-looking fish are just about the most beautiful in the ocean! Read this guide to discover our top 12 most beautiful fish in the world. Many of these fish are incredibly beautiful, and some can be kept in your home aquarium if given the right conditions and care. Hundreds of thousands of fish live in our oceans, rivers, lakes, and other bodies of water. Octopus blending in with ocean floor: Serban Enache, Dreamstime.Our world is described as the “Blue Planet.” And when you consider that 70% of the Earth’s surface is covered with water, that’s no surprise. Octopus shooting inky fluid: Vittorio Bruno, Shutterstock. Picture credits – Octopus and its tentacles: Michal Adamczyk, Dreamstime. Such threats include habitat destruction, and a reduction in their main foods due to over fishing and marine pollution. Cool, eh? These brilliant builders sometimes even fashion a rock “door” that pulls closed when the octopus is safely inside the den.Īlthough octopuses are not considered endangered, they do face dangers from human activity. And check this out – they build their dens themselves by moving the rocks into place with their powerful arms. Impressive stuff! As well as for camouflage, these incredible invertebrates use colour change as a way to communicate with other octopuses.įor the most part, octopuses are solitary creatures and live alone in dens made from rocks. They can also hide and blend in with their surroundings, too, by changing colour to grey, brown, pink, blue or green. But these eight-armed animals have a few cheeky tricks to help defend themselves! If threatened, octopuses shoot an inky fluid from their body that darkens the water around them, confusing the aggressor. Octopuses themselves provide tasty meals for other sea creatures, such as seals, whales and large fish, who like to gobble them up. When going for grub, octopuses typically drop down on their prey from above, and then use the powerful suctions that line their arms to pull their victim into their mouth.ĭid you know that we have a FREE downloadable octopus primary resource? Great for teachers, homeschoolers and parents alike! They also crawl along the ocean’s floor, tucking their arms into small openings to search for food.įavourites on the octopus’ menu include crabs, shrimps and lobsters, but they will sometimes eat larger prey, too, such as sharks. They perform their famous backward swim by blasting water through a muscular tube on their body called a siphon. Other octopus species live in deep, dark waters, and rise from below at dawn and dusk to search for food. Most octopuses stay along the ocean’s floor, although some species are ‘ pelagic,’ meaning they live near the water’s surface. However, there are some kinds of octopus that live in relatively shallow waters. Like their cousin, the squid, octopuses are often considered ‘ monsters of the deep’, lurking in the depths of the seas. These cool critters live in all the world’s oceans, but they’re especially abundant in warm, tropical waters. ![]() Octopuses are sea animals famous for their rounded bodies, bulging eyes and eight long arms. Ready to get up-close and personal with one of nature’s quirkiest creatures? Then check out our awesome octopus facts!īody length: Generally 30-90cm (some species can grow to 5.4m!) ![]() ![]() Greetings! I am Molecular Biologist working full time in Manhattan. Trusted by parents, with mutual loving affection for all of the cared-for children. My main priority is the safety and well-being of the children I care for. My duties have included and not limited to: newborn care, potty training, feeding, preparing healthy meals for children, performing children laundry and keeping rooms organized, organizing schedules and activities, helping with homework and school projects, reading, driving to and from school, going to parks, arranging play dates, library, music classes, doctor/dental appointments. I'm loving, very reliable, detail oriented, highly skilled in communication, CPR trained. I have worked in Glen Rock (2006-2012), Franklin Lakes/Ridgewood(2012-current) for the past 13 years as a full-time nanny, date nights/overnight babysitter for children age 3 months to teens. I am married and have two children of my own M(20), E(16) and a fur baby H(9). Hi! I am a Glen Rock resident with over 20 years in child care/ home care experience. *My wife and I have hired around 10 different people from Care previously as nannies and caregivers for an elderly parent. The school district opened the classrooms back up, which is the only reason we parted ways with Michelle. ![]() Michelle was the perfect fit for our needs and gets the highest recommendation possible. She displayed patience and compassion for the children, while maintaining a strong adult presence and keeping the children focused on their work. Michelle was very trustworthy and communicative with individual parents as needed. Michelle was excellent as a teacher/ tutor. Michelle oversaw their logging into their classes and assisted them with questions and also emotional challenges they all experienced at different times while they were cooped up in pod. Her role included responsibility for the children's welfare. This was for four 2nd graders in a private office setting with no other adults onsite. Michelle was hired as a "pod facilitator". I would love to meet with you so you can decide if I am the right fit for your family! Thanks. I have a flexible schedule and I am comfortable with weekly changes in meeting times. I specialize in Writing, Speech, Math, and Music Theory but I am willing to help with any subject needed. I currently teach piano to middle and elementary students and have tutored high school students before. Being homeschooled allowed me to practice time management skills and independent study. ![]() Although I chose a different career path, I have been taught to value quality education that includes hands-on learning at your own pace. I come from a family of educators with my grandmother, mother, and sister all having careers in teaching. ![]() I chose these majors with hopes to reform the education system in the US. I am double majoring in Political Science and Communications and am part of the honors program here at WPU. Hi! My name is Emily I am a full-time college student at William Paterson University. ![]() |
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