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FRB: Highlights of Proposed Rules Regarding Credit Cards and Overdraft Services - 0 views
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Highlights of Proposed Rules Regarding Credit Cards and Overdraft Services Regulation AA (Unfair Acts or Practices) The proposal would amend Regulation AA to prohibit unfair or deceptive acts or practices by banks in connection with credit card accounts and overdraft services for deposit accounts. Credit Cards * Time to Make Payments. The proposal would prohibit banks from treating a payment as late unless the consumer has been provided a reasonable amount of time to make that payment. There would be a safe harbor for banks that send periodic statements at least 21 days prior to the payment due date. * Allocation of Payments. When different annual percentage rates (APRs) apply to different balances on a credit card account (for example, purchases and cash advances), banks would have to allocate payments exceeding the minimum payment using one of three methods or a method equally beneficial to consumers. They could not allocate the entire amount to the balance with the lowest rate. A bank could, for example, split the amount equally between two balances. In addition, to enable consumers to receive the full benefit of discounted promotional rates (for example, on balance transfers), during the promotional period payments in excess of the minimum would have to be allocated first to balances on which the rate is not discounted. * Applying Rate Increases to Existing Balances. The proposal would prohibit banks from increasing the interest rate on outstanding balances unless the increase is due to: (i) the operation of an index (in other words, the rate is a variable rate); (ii) the expiration or loss of a promotional rate (provided the rate is not increased to a penalty rate); or (iii) the minimum payment not being received within 30 days of the due date. * Two-Cycle Billing. The proposal would prohibit banks from imposing finance charges based on balances on days in billing cycles preceding the most recent billing cycle, a pra
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Ako si Lindsey Rapunzel, kinuha ko ang pangalan ng prinsesa mula sa isang alamat dahil siya ay mayroong mahaba at magandang buhok, at ito ang aking likas na buhok na hindi ko kailanman pinutol, ngunit alagang-alaga ko ito. Ang post na ito ay nakatuon sa lahat ng mga kababaihan na gustong ibalik sa dating ganda ng buhok, mapabilis ang kanilang paglago at maiwasan ang split ends.
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shared by ferdosali47 on 25 Jun 23
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Buy Sendgrid Accounts - 100% Verified Premium Accounts - 0 views
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Buy Sendgrid Accounts Introduction SendGrid is a cloud-based email marketing service that allows users to send emails at a low cost. It offers different plans and services to its customers which are suitable for small businesses, individuals, and organizations. What is a sendgrid account? If you're looking to send emails from your own domain, SendGrid is the perfect choice. It gives you the opportunity to send transactional emails and marketing campaigns as well as newsletters that are delivered using A/B split testing. SendGrid can also be used for all your business needs: Buy Sendgrid Accounts Marketing campaigns - SendGrid's email marketing platform makes it easy for businesses of any size to create targeted campaigns with advanced analytics capabilities and real-time reporting on open rates, clickthrough rates and conversion rates Transactional emails - Senders can choose from a variety of templates including HTML or plain text formats so they can easily customize their emails with brand colors and fonts
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11 Life Hacks That'll Change Your World - 0 views
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We're all aware of them. Those little tricks make your life easier by reducing the amount of stress and effort required to complete a task. For example, instead of peeling a banana from the stem end, you can split it in half lengthwise with a knife and then remove the peel in one piece by sliding it off the knife instead. These simple tricks are usually passed on from one friend to another or discovered through trial and error, but it doesn't have to be like that. Today we bring you 11 life hacks that will change your world. They are small, simple things that can make a big difference in your day-to-day activities.
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Webmaker Profile - 10 views
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shared by sara khan on 05 Jun 13
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live Streaming Bad Girls All Star Battle Season 1 Episode 3 Secrets and LiesDownload| Bad Girls All Star Battle s01xe03 Episode Summary: Natalie, Flo and Amber form an early alliance, while squealing pigs and Velcro are the focal point of this week's challenge. Friendships between teammates quickly crumble after ugly truths are revealed. About The Show: Hosted by musician, actor and heartthrob Ray J, this one hour series will pit 14 of the biggest names in Bad Girls Club history under one roof to compete for $100,000 and title of "Baddest Bad Girl of All Time." The Bad Girls All-Star Battle will combine the baddest girls from past seasons in an all-out mattress dragging and weave-pulling competition. Split into two teams; the girls will be pushed to the absolute limit each week in a series of fun and over-the-top physical and mental challenges. Each week http://tinyurl.com/m4dbbw3
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shared by Benjamin Jörissen on 07 Sep 09
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Stanford researcher uses cell phones to make music - 2 views
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The Technium: As If - 1 views
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Computer viruses replicated, adapt, infiltrate, and spread in patterns nearly identical to biological viruses
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when the boy could earn the love of a mother.
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Metaphors become real when we act as if they are real – whether or not we intellectually "believe" they are real.
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But is simulated sex real? Is the metaphoric rape of one artificial avatar by another avatar in a virtual world, virtual or real? Is it a real assault, a real crime? This was the famous question posed by a real legal case about an online game.
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We are heading into a domain where we create things "as if" they are something else, in imitation of them. Then we improve and deepen the fake with layers of more "as if" until it actually become something else. Our creations go from "as if" to "is."
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adding more layers of meaning and realism, until metaphor slowly passes whatever invisible barrier lies between the real and fake
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One of the ways we will know when a thing has passed from "as-if to is" is when it earns unalloyed love from humans.
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