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Winnipeg police are asking for the public's help to find a Winnipeg woman and her 10-year-old daughter, last seen earlier this month.
Flor de Girasol Aguilar-Hernandez, 33, and Angela Aguilar-Hernandez, 10, were last seen on June 17, police said in a news release Monday.
Police are concerned about their well-being, the release said.
Flor de Girasol Aguilar-Hernandez is described as five feet tall and roughly 110 pounds, with long black hair, police say.
Angela Aguilar-Hernandez is described as roughly four feet tall, with long black hair.
Police ask anyone with information about their whereabouts to contact the Winnipeg Police Service Missing Persons Unit at 204-986-6250.
View original article here Source

subset: commoncrawl


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PC becomes VP: Union bestows award on local bobby
PC Harvey Watson, the University's own 'campus cop', has been awarded the title of Honorary Vice-President of the Students' Union - the highest commendation that the SU can bestow. The award recognises his huge contribution to University life and our student experience.
Harvey, whose Victoria Park beat covers the University campus, was given an Honorary Degree by the University last year and back in 2009 he was named Beat Bobby of the Year by Leicestershire Police. He is particularly renowned for his use of social media to connect with students: he has 1,500 followers on Twitter and 1,700 friends on Facebook.
The surprise presentation of this new honour was made at our Union Awards event on Monday. Harvey subsequenty tweeted "Thank you to all at the University students union for my fantastic award. So proud of working with you guys and girls."


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Amid reports that terrorist group Hizbul Mujahideen has appointed Gazi Haider as its new commander in Kashmir, former 15 Corps commander and Defence Intelligence Agency head Lt Gen KJS Dhillon tweeted saying, 'Kitne Ghazi Aaye, Kitne Ghazi Gaye".
Kitne Ghazi Aaye..
Kitne Ghazi Gaye…
— KJS DHILLON (@Tiny_Dhillon) May 10, 2020
Dhillon till two months ago was the commander of the Srinagar-based 15 Corps which is responsible for all counter terrorist and counter infiltration operations in the entire Kashmir valley.
Soon after reports about Ghazi Haider's appointment as Hizbul Chief in valley started emenating, Dhillon tweeted "Kitne Ghazi Aaye, Kitne Ghazi Gaye."
Dhillon was the commander of 15 Corps in Srinagar when the Pulwama stacks took place and he was instrumental in the many successful operations by security forces in which several terrorist leaders were killed.
Recently when Hizbul terrorist Riyaz Naikoo was killed, Chief of Defence Staff Gen Bipin Rawat has told ANI that whenever terrorist leaders were killed, it impacts their recruitments in the valley and dissuades youth from joining their ranks.
Haider's appointment is to replace Naikoo as the head of the terror group supported and funded completely by Pakistan.


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- City Hotels Association Chief says minimum room rate policy must be persisted with as industry, employees and country have benefited
- Reveals city hotels have invested over Rs. 12 b in recent years for significant upgrades
- Calls for monitoring mechanism to prevent malpractices
- Insists occupancy can only be boosted by effective destination marketing
- Hails Govt. of President Maithri and PM Ranil for due recognition by setting up a dedicated ministry
- Extends support to new Minister Navin Dissanayake and Deputy Wasantha Senanayake
With a new dedicated Tourism Ministry in place, the debate over the minimum room rate has resurfaced, with the Colombo City Hotels Association cautioning against any change while emphasising on the need for a proper monitoring mechanism.
The City Hotels' position comes on hot the heels of inbound tour operators making a fresh push for the abolition of minimum room rates. Letting market forces i.e. demand and supply to determine rates is the core of inbound operators' argument, who have claimed that Colombo has been out-pricing itself and thereby losing competitiveness in comparison to some of other city destinations in Asia. The impact, according to inbound tour operators, is largely felt by business as well as MICE travel.
However, Colombo City Hotels President M. Shanthikumar differs. "It is the city hotels which have invested considerably post-war that should complain about adverse effects if any of minimum room rates. However, we reiterate our position that minimum rate has done more good, hence the policy should remain unchanged. The new Government could consider implementing a monitoring mechanism to ensure fuller benefits of the policy are reaped."
The minimum room rates range from a high of $ 125 + taxes at five star hotels to $ 60 + taxes in a two-star hotel. Shanthikumar speaking on behalf of city hotels hailed the arrival of the new Government under President Maithripala Sirisena and Prime Minister Ranil Wickremesinghe and pledged the City Hotels Association's fullest support to new Tourism Minister Navin Dissanayake and Deputy Minister Wasantha Senanayake.
The City Hotels Chief expressed his appreciation to President Maithripala Sirisena for identifying tourism as a key contributor to Sri Lanka's economy and once again for allocating a separate ministry to look into the affairs of tourism industry stakeholders.
In an interview with the Daily FT, Shanthikumar shared some key insights as well as strong points with regard to the minimum rate gazetted for Colombo hotels.
In contrast to the opinion of travel agents and inbound tour operators, the Colombo City Hotels Association was forceful in voicing its opinion and noted hotels in Sri Lanka were the highest investors in the tourism industry of the country and it was important that they received the required returns on their investments.
The association is of the firm belief that the minimum rate should be held firmly by the new Government without abolishing or diluting it as it gives a fair choice of hotel products available at different price points for the end consumer.
As per statistical data obtained from Colombo hotels as at end 2013, the Colombo city hotels have immensely benefited as a result of the minimum rate. Shanthikumar said the topline revenues and profitability have seen a significant increase and the staff service charge has followed the same with the amount doubling and in some cases tripling.
Additionally, Government earnings have seen an increase from contribution such VAT, TDA and NBT. For example, room revenue of 5-stars have increased to Rs. 7.7 billion in 2013 from Rs. 2.7 billion prior to minimum room rate policy. For the lower end of star class category, the revenue has increased from Rs. 177 million to Rs. 546 million. These figures are excluding food and beverage income.
Shanthikumar also said out of an analysis of 20 hotels in Colombo ranging from 5-star to 2-star, the staff numbering 12,169 members has had an additional increase of approximately Rs. 10,000-15,000 per person per month in their service charge which is over and above their basic wage due to the minimum rate implemented.
Citing an example, the City Hotels Chief said a staff member who received a service charge of approximately Rs. 11,000 before the minimum rate came in to operation now receives over approximately Rs. 23,000 service charge per month above their basic wage.
He also explained that as per hotel operational analysis, an increase in room rates has over a 70% flow through to the bottom line against only a 40% flow through by food and beverage sales. Hence, this has increased the profitability of the entire hotel sector in the City of Colombo.
This has also helped all city hotels to spend a large amount of money to renovate and bring hotels to true international standards. Estimated investment in renovation for hotels over the last couple of years amounts to over Rs. 12.45 billion approximately.
The City Hotels Association maintained that unlike the travel agent fraternity, the investment on building and maintenance of hotels is extremely high. "Being the highest investor in the tourism industry, it is critical the Government protects the hoteliers and assists them to reap the required returns on these investments," Shanthikumar emphasised.
The association claimed that certain parties with vested interest had continued to lobby against the implementation of the minimum rate and had prevailed upon the then leadership of the Tourism Ministry, which came under the Ministry of Economic Development, not to bring in a monitoring mechanism so that they could benefit by negotiating for lower rates from hotels and keeping higher mark-ups for the benefit of a few.
Gazette Notification No. 1622/1 – 5 October 2009 under the Tourism Act No. 38 of 2005 Order under Section 53, subsequently amended in No. 1697/24 dated 17 March 2011, stipulates the minimum rate be applied for Colombo hotels.
"This has been violated in the recent past by certain hoteliers due to lack of monitoring by the Sri Lanka Tourism Board on the adherence of Colombo city hotels to the minimum rate gazette. Some hoteliers had made several representations to the Sri Lanka Tourism Board to bring a monitoring mechanism, which have fallen on deaf ears," City Hotels Chief Shanthikumar said.
Since the introduction of minimum rate in the city of Colombo, 5-star hotels started to sell per room per night at $ 125 plus taxes from a previously sold rate of $ 50 plus taxes. This has resulted in a phenomenal supply growth in accommodation starting from the growth of the informal sector to star class hotels in the city of Colombo.
Shanthikumar warned that a dilution of the minimum rate would have a negative impact on the informal sector and the smaller hoteliers of 1-star to 5-star star hotels would slowly but steadily begin to sell rooms at much cheaper prices, thereby eating into the business of the smaller hotels.
The City Hotels Association also cautioned that removal of minimum room rate policy would have a disastrous impact on small and medium hotels as well as their employees.
"The solution to increase occupancy is not by depriving the hotels of obtaining decent prices but for the Sri Lanka Tourism Board to adopt a more strategic approach to market and promote the destination and its key touristic locations as per their attractions in the relevant international market," Shanthikumar pointed out.
He claimed that in the Meetings, Incentives, Conferences and Exhibitions (MICE) markets, the Sri Lanka Tourism Board has not marketed the country as an attractive venue for conference business. "We propose that this too be done in a strategic manner capitalising on the potential of our closest neighbour India," the City Hotels Chief added.
The Colombo City hotels are hopeful the Government will understand the benefit of holding the minimum rate in the City of Colombo and take note of its benefits.


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10 Babysitting Jobs Found
3 month old twins
Posted by Maura T. on 9/22/2020
- Start date:
- 10/06
- 9 miles away (Jessup, PA)
- $10/hr
- 2 children
Need care for 3 month old twins during the week for 2 days. Need someone reliable to come to home to care for twins while parents work. Can be somewhat flexible on days.
Twins, boy and girl
Posted by Cozy A. on 9/22/2020
- Start date:
- 9/28
- 9 miles away (Jessup, PA)
- $25/hr
- 2 children
Hi, I am a professor at Marywood (Interior Design) and I am inquiring for my sister, Maura and her husband Nick. They had twins, boy and girl on June 27 and she is going back to work Monday-Thursday. My mother can do a lot of the time, but with twins she will need help and some potential days... More
Babysitting 2 children
Posted by Daniel D. on 9/19/2020
- Start date:
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- 19 miles away (Wilkes Barre, PA)
- $10/hr
- 2 children
Will need to take care of two children a 4 year year old and a 2 year old. The 4 year old has accidents, but can clean herself up would just have to give her a change of clothes, but will have to change the 2 year olds diapers, the kids are open and would love to meet anyone
Looking for babysitter who can assist my...
Posted by Natalia D. on 9/18/2020
- Start date:
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- 15 miles away (Tobyhanna, PA)
- $12/hr
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This is part time job that eventually may become full time. I need a help with assisting my 4 year old son with ready made instructional provided by school and dial in few calls with teacher.
Ocassional sitter needed
Posted by Val L. on 9/18/2020
- Start date:
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I have a 7 month old daughter that I need care for ocassionally. Must have references and many many years experience.
Very flexible baby sitter- you can work...
Posted by Lauren G. on 9/17/2020
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I need someone to come watch my toddler for a bit and assist my 2nd grader with home work. I work from home so you can work very flexible. You don't have to work set days and if you can't make it it's not a huge deal. Just looking for some help with the kids while I'm at my desk.
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Hello! We are a family in need of watching our 4 and 5 yr old... also helping in their virtual learning from 8-2... along with outdoor play around the yard and fun!
Baby sitter
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I need someone to pick my 5yr old son up 2 nights a week at pre-k and watch him from 5-8 and every Saturday. Must be good w/ dogs!
Babbysitter 1x or 2x a week
Posted by Urusa A. on 9/2/2020
- Start date:
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- $13–15/hr
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Hi, I'm looking for reliable and responsible babysitter for my 3 year old daughter. She will need all day care and my son (6 yrs old) and nephew (8 yrs old) will need after school care. We live in Dickson city, PA. Please let me know if you have availability 1, 2 or 3 times a week for... More
Posted by Tyisha R. on 9/1/2020
- Start date:
- 9/07
- 24 miles away (Tannersville, PA)
- $10/hr
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Hello I'm looking for a sitter for my one year old son. My shift is from 4pm to 12 midnight but it takes me 45 minutes to get home. I'm looking for a sitter to come to my home and will be comfortable with nanny cams


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Together We Can Run Like Clockwork
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^^ugh, I see an aquaintance who dresses like this everyday. I don't know her well enough to let her know how awful she looks. I just can't understand why her friends don't say anything to her^^^
I used to work at Wal*Mart for 6 months. Oh..the pictures I could have took if I were allowed to . I have seen worse than alot of those pictures....lol


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WARC subscribers can read
How to improve digital media transparency
This article provides a best practice guide for advertisers to ensure their digital advertising is based on the right contracts and sufficient data to guarantee media transparency and brand safety – that is, their ads appear in an appropriate online context that does not damage brand reputation.
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Want a free signed copy of Heathen, Heterotopia, or The Receptionist? Email me at wheelerlm at wlu dot edu and tell me you'll review one for Amazon. Let me know which you'll review; which one you want (it can be the one you'll post about or a different book); and where to send it (I'm happy to send a signed copy as a gift to a friend, if you'd rather).
And as always, I can send you a desk copy if you're considering adopting one of these books for a course, or you can contact the press directly. I really enjoy visiting classes and book clubs, in person if travel's cheap enough, by Skype if not.
(because compost happens)
The work wants to be made
Writing from both sides of the brain
"This work is unlike any other, in its range of rich, conjuring imagery and its dexterity, its smart voice. Carroll-Hackett doesn't spare us—but doesn't save us—she draws a blueprint of power and class with her unflinching pivot: matter-of-fact and tender." —Jan Beatty
a poetry page with reviews, interviews and other things
Mundane musings from a collector of the quotidian
Writer. Editor. Throwback Surrealist.
The Parlando Project - Where Music and Words Meet
Poet, Writer, Instructor
Low-Residency Graduate Programs – MFA, MA, Certificate
Thoughts on writing and reading
poetry. observations. words. stuff.
breathing through our bones
(The poetry blog of Grant Clauser)
Into one's life a little poetry must fall


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Saturday, October 20th 2012, 2:30am
Date of registration: Aug 31st 2003
Location: Hannover
Occupation: Informatikstudent (d'uh)
Saturday, October 20th 2012, 2:44am
Date of registration: Oct 13th 2012
Monday, October 22nd 2012, 5:55pm
This post has been edited 1 times, last edit by "Jixzer" (Oct 22nd 2012, 5:56pm)
Date of registration: Oct 25th 2010
Monday, October 22nd 2012, 8:13pm
O_O... Blödsinn? Nie im Leben!Es wäre wirklich ziemlich cool wenn es (mehr) Bars geben würde in denen alle möglichen E-Sports events live übertragen werden würden statt Sky Fußball oder so ein blödsinn.
Date of registration: Oct 1st 2008
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Date of registration: Oct 5th 2012
Location: Neustadt am Rübenberge
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Location: Hannover
Occupation: Haarspaltung
Tuesday, October 23rd 2012, 3:33pm
This post has been edited 1 times, last edit by "Schokoholic" (Oct 23rd 2012, 3:34pm)
Date of registration: Sep 30th 2011
Sunday, November 4th 2012, 10:33pm
Thursday, February 14th 2013, 10:17am
Date of registration: Sep 30th 2011
Tuesday, June 25th 2013, 11:34pm
Wednesday, June 26th 2013, 3:56am
Monday, July 22nd 2013, 10:35am
Monday, July 22nd 2013, 1:42pm
Date of registration: Aug 31st 2003
Location: Hannover
Occupation: Informatikstudent (d'uh)
Monday, July 22nd 2013, 9:37pm
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Date of registration: Mar 17th 2004
Location: ::1/128
Occupation: Forentroll
Tuesday, July 23rd 2013, 1:15pm
Würde gerne kommen, bin aber zu dem Zeitpunkt leider nicht in Hannover.
Ist es geplant, das öfters zu machen?


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The current volume is devoted to the issues of linguodidactics and discourse studies.
B. Tzimorota gives an overview of teaching experience in Greece and the role of storytelling in educating young learners.
А.P. Avramenko and M.A. Davydova describe an approach to the integrated writing tasks perceived through the prism of the concept of "mediation skills".
T. A. Dmitrenko and I. M. Gorodnichev study the issues of teaching national variants of English and explain why sometimes students can not differentiate British English from American English which leads to communicative failures while communicating with native English speakers.
Various aspects of discourse analysis are investigated: the phenomenon of conflict discourse (I. S. Lebedeva and P.K. Fedorova), speech influence in Brazilian political discourse (R.I. Proklov) and socionic aspects of persuasion in advertising (I. D. Romanova).
Issue 37 dwells on the aspects of such types of institutional discourse as song discourse, Internet discourse, corporate and business discourse (P.N. Khromenkov, T.S. Bashkankova, I.I.Valuitseva, D.A. Knyazkov).
Computer linguistics issues are explored by O.I. Maksimenko and А.O. Kutnyaya who are investigating the constituents of "joy" emotion.
Linguacultural aspects of literary discourse are studied by A.G., Sokolova and D.M. Khuchbarova.
Finally, foreign language teachng in Kazakhstan is discussed in the article of G.T.Khukhuni and E.G. Shovkovich.
The topics discussed in Issue 4 (36) are concentrated around computer linguistics (Valuitseva I.I., Philatov I.Y., Gadzhiev A.A., Khmelev A.K.), translation studies and musical discourse.
O.I. Maksimenko , E.P. Podlegaeva , N.А. Vorobyeva and P.N.Khromenkov work in the field of pragmatics and identify pragmatic features of poetic texs as well as geder factor in translation of proper names in cartoons.
M.V. Filatova and O.I. Maksimenko provide an interestng insight into evolution of the Internet discourse within the period of 2015-2018.


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News and Events
Oct 31
Halloween at Lemon's
For Halloween this year we're calling for fruit, getting weird, and feeling good- the world is horrifying enough thank you very much. Come dance and have a drink with us dressed as your favorite tropical variety, mycelial body, Droog, version of Kimya Dawson, political double-entendre or whatever your heart desires.
From 8p onward, join hosts Jo Rosenthal, Isioma, Mona Palmer, and Christina Tung (House Of) for spiked punch, a live set from surprise special guests playing off their heavenly new album, dance sets from resident tune-gurus Chances with Wolves, and a fruit-themed costume contest with exceptional prizes.
$5 advance tickets to reserve your spot / $10 take your chances at the door


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Home Loans For FHA Loan Refinance and Home Purchase Loans at FHA.com – FHA.com is a privately-owned website that is not affiliated with the U.S. government. Remember, the FHA does not make home loans. They insure the FHA loans that we can assist you in getting. FHA.com is a private corporation and does not make loans.


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When Ryan O'Neil, PFCI, and his wife, Rachael, founded Twisted Willow Design in St. Louis six years ago, they knew they wanted to focus on events and grow their business. What they may not have realized at the time? The journey to do those two things would involve trial and error — and the creation of a new software company, Curate, to help other event florists succeed.
During a recent Society of American Florists webinar, O'Neil shared some of his top tips on how to improve user experience for brides and grooms and generate more leads (and sales). "There are so many granular pieces that my wife and I were missing on our website when we started," he said. "And what we've found over the years is that small fixes can make a big difference." Read more in the September issue of Floral Management.


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England | Scotland | Wales | Northern Ireland | Ireland
Get the latest NHS information and advice about coronavirus (COVID-19).
Check if you or your child has coronavirus symptoms
Find out about the main symptoms of coronavirus and what to do if you have them.
Testing and tracing
Get a test to check if you have coronavirus, understand your test result and find out what to do if you're contacted by NHS Test and Trace.
Self-isolation and treatment if you have coronavirus symptoms
Advice about staying at home (self-isolation) and treatment for you and anyone you live with.
People at high risk
Advice for people at higher risk from coronavirus, including older people, people with health conditions and pregnant women.
Social distancing and changes to everyday life
Advice about avoiding close contact with other people (social distancing), looking after your wellbeing and using the NHS and other services.
COVID-19 support recovery service
'Your COVID Recovery' helps you to understand what has happened and what you might expect as part of your recovery.
GOV.UK: coronavirus – guidance and support
Government information and advice.
Orchard Surgery, 107 Feltham Hill Road, Ashford, Middlesex, TW15 1HHTel: 01784 252027
The Surrey Care Record is an Electronic Health Record (EHR) linking system that brings together patient/clients' information across health and care systems in a secure manner, giving a summary of your information which is held within a number of local records.
For more information see: www.surreyheartlands.uk/surrey-care-record-privacy-notice
You have the right to object to information being shared for your own care. Please speak to the practice if you wish to object. You also have the right to have any mistakes or errors corrected.
Further Information
For further information, you can visit our website and public-facing FAQs here:
Dear parent,
Coronavirus is unlikely to make your child unwell, but other illnesses may. Your GP is available to give advice and obtain advice from hospital paediatricians. You should not delay in contacting your GP if you have concerns about your child being unwell. Trust your instincts. Call GP or 111.
Dr Newman is proud to present her new website which has details of videos, podcasts and educational material for patients wishing to incorporate more plants into their life! Many topics are discussed and she hopes this is an interesting educational resource for anyone who wants to take a look.'
From Monday 20 August it will be even easier for people to make an appointment with a GP, thanks to a new national 'extended access' initiative, which will improve access to primary care services in North West Surrey.This means, in addition to being able to book GP appointments at your local practice, you will also have access to additional appointments during the evenings and at weekends at four locations across the local area.
The extra appointments are being provided by the GP federation that brings together all 40 GP practices in the local area and is known as North West Surrey Integrated Care Services.
By working together in a new and different way local GP practices will be improving access to primary care appointments, making it even easier for local people to get the care and advice they need, at a time that's convenient to them.These additional appointments will be available from 6-9pm on weekday evenings (including bank holidays but not in August) and from 9am to midday at weekends. Patients can book these appointments through their local GP practice.As these extra appointments are provided from four GP surgeries in the area, the GP or clinician will have access to your medical record, with your consent, giving them access to all the information they would need to provide the best possible care.
The additional appointments will be provided at the following locations – and patients in North West Surrey can book appointments at any of these sites:
The Red Practice – Walton Health Centre (Rodney Road, Walton-on-Thames, KT12 3LB)
Studholme Medical Centre (50 Church Road, Ashford, TW15 2TU)
Sunbury Health Centre (Green Street, Sunbury-on-Thames, TW16 6RH)
Woking Community Hospital (Heathside Road, Woking, GU22 7HS)
Initially, these extra appointments will be provided by local GPs but from October there are plans to extend this service to also include nurse-led clinics, blood tests, physiotherapy assessments and digital consultations (which includes online face to face consultations via a patient smartphone).
For more information about this new service and the North West Surrey Integrated Care Services federation see https://www.nicsfed.co.uk/
In North West Surrey there will be two GP Extended Access Clinics available in each of our three localities. These GP Extended Access Clinics will allow patients to access prebooked GP appointments at a local practice. These appointments are available to book via your normal GP practice.
Patients unable to book an appointment at their normal GP practice will be offered appointments at either Knowle Green Medical Staines Health Centre, Knowle Green, TW18 1XD or Sunbury Health Centre, Green Street, Sunbury on Thames, TW16 6RH where GP Extended Access Clinics will be held. Please note these GP Extended Access Clinic appointments cannot be booked online via Patient Access.
The GP Extended Access Clinics will be available from 27 January to 31 March 2018, providing extra GP appointments Monday to Friday, 5pm to 8pm and Saturdays 8.30am to 11.30am.
These GP Extended Access Clinics are within local GP practices and the clinician who sees you will have access to your GP records making the appointment just like visiting your own GP practice.
You can also access medical advice by calling NHS111, visiting your local pharmacy, visiting one of our Walk-in-Centres at Ashford Health Centre, London Road, Ashford, TW15 3FE or Woking Community Hospital, Heathside Road Woking, GU22 7HS.
Parents with young children can also download the HANDi App (from Google Play or Appstore), which was developed to provide advice and support to if their children have symptoms of common childhood illnesses and give parents confidence in dealing with minor conditions themselves at home or the most appropriate place to seek support.
After five years of hard work at The Orchard Surgery, Dr Kaur is leaving for pastures new. She will be sorely missed by many patients, as she is known not only for her great clinical skills, but also for going the extra mile when a patient needs her help. An inspirational colleague, doctor and friend, we wish her all the very best for her future endeavours.
If you'd like to leave a card or gift for her at reception, please do so.
Although not officially leaving until mid-January 2018, her last day will be 21st December 2017.
The Orchard Surgery is supporting World Mental Health Day 10th October and the NHS #IAMWHOLE campaign to help fight stigma around mental health. Post your picture on Facebook and Twitter if you are so inclined, and join our 'circle' #WMHD16 There is also a bespoke website for the campaign by young people for young people which is an online directory of mental health services and provisions - its called www.findgetgive.com.
Here is a link to a video explaining what it's all about featuring Jordan Stephens of hip hop duo 'Rizzle Kicks' as well as young people who have had mental health problems: https://youtu.be/FZ4TlCx3eHA
Recently we seem to be receiving a growing number of requests from patients for letters to the Housing Department for re-housing on medical grounds. We wrote to the council asking them to clarify for us their policy on this. The following is the reply we received:
"I am pleased to note that you acknowledge in some instances clients ask for letters without even making initial contact with the Council. Similarly I am sure that in some cases our staff may be "at fault".
It is rare that we actually ask clients to obtain letters from their GPs. In many cases full details they provide themselves e.g. proof of any prescription drugs, referral letters to consultants may be sufficient. With the greatest respect to the profession generally, in some cases the GP letters we receive are so brief in detail as to be of very little value. Part of the problem is that some Housing register clients think they can increase the "points" they have and therefore their chances of being rehoused if they have medical details, without fully appreciating the type of medical information that may be of relevance. For information, within the next year or so it is anticipated that Spelthorne will be moving to a "Choice Based Lettings" scheme to nominate housing, where clients bid for particular properties rather than being nominated when they reach the top of the list. It is likely that this will have a significant impact overall and should reduce the emphasis on medical issues that some currently place.
I note your point that in future if we require medical reports, we should write to you specifying the type of information etc. I also respect the comment that you will charge a full fee for this. I will notify Housing Needs staff accordingly."
As a result of this we will NO LONGER be providing letters directly to patients for re-housing on health grounds.
Copyright 2006 - 2020 My Surgery Website | Privacy Notice | Edit | Staff Home | Site Map | Accessibility | Site T&C's | Cookie Policy


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Read more with google mobile : Taliban, Pakistan deny Mullah Omar heart attack report
Yahoo! My Yahoo! Mail More Yahoo! Services Account Options New User? Sign Up Sign In Help Yahoo! Search web search Home Singapore Asia Pacific World Business Entertainment Sports Technology Weekend Edition Australia China India Indonesia Japan Malaysia Philippines Thailand Vietnam Taliban, Pakistan deny Mullah Omar heart attack report AFP - 2 hours 53 minutes ago Send IM Story Print Taliban, Pakistan deny Mullah Omar heart attack report Slideshow: Full Photo Coverage: War On Terror KANDAHAR, Afghanistan (AFP) - – The Taliban and Pakistan's spy agency denied Thursday a report suggesting that Mullah Omar had suffered a heart attack and was treated with the help of the intelligence network. Both poured scorn on a Washington Post report on Tuesday that quoted a private intelligence network saying the Taliban's spiritual leader had been hospitalised in Pakistan's Karachi city and had suffered some brain damage. The Post said the one-eyed Islamist, who disappeared after the 2001 US-led invasion of Afghanistan, appeared to have suffered a heart attack on January 7 and had been taken to a hospital near the southern metropolis. Taliban spokesman Zabihullah Mujahib told AFP: "Supreme leader Mullah Mohammad Omar is absolutely fine and healthy and is continuing his jihad activities in Afghanistan. "We were informed of this news through media only and his heart surgery in Karachi is a mere rumour created by our enemies," he added. The newspaper cited a report by a private intelligence network run by former US security officials, known as "The Eclipse Group," which reportedly said its source was a physician at the hospital. The Post said Inter-Services Intelligence (ISI) agency had "rushed him to a hospital in Karachi, where he was given heparin (an anti-coagulant) and operated on," and that he was released to the ISI after a few days. As well as a heart attack, the doctor reportedly said Omar appeared to have suffered some brain damage and slurred speech following an operation conducted after the heart attack. A spokesman for Pakistan's military, of which the ISI is a part, "strongly contradicted the news item... about the medical treatment of Afghan Taliban Mulla Mohammad Omar at Karachi," in a statement. "(The) news is unfounded and concocted to serve vested interests," the statement added. Although Pakistan is officially an ally of the international coalition battling the Taliban in Afghanistan, US officials have long accused the ISI of playing a double game. The ISI is reportedly still close to Omar, whom it backed as the leader of the 1996-2001 Taliban regime in Kabul. Pakistan has always strongly denied such charges, and the Post quoted its Washington ambassador Husain Haqqani as saying that the Eclipse report "had no basis whatsoever." The Taliban's Mujahib accused countries with troops in Afghanistan of spreading the rumours over Omar's health. "The enemy is trying to cover their losses and create tension and terror among the people of Afghanistan and want to show that the Afghan government and their Western allies are the winners," he added. The Taliban say publicly that international forces must leave Afghanistan before they will consider peace talks after nine years of war. Rumours of peace talks persist, however, with the Post reporting in October that Mullah Omar and his Quetta Shura, the Afghan Taliban group based in Pakistan, have held secret negotiations. There are around 140,000 international troops in Afghanistan, and the coalition is due to start a limited, conditions-based withdrawal from July, with Afghan forces scheduled to take over responsibility for security in 2014. 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January 8, 2008
Paul Azinger
STEWART MOORE: Talk about some of your expectations going into the season.
PAUL AZINGER: My game is okay. I haven't really played that much. I'm on a medical. I wrenched my back out last year moving my boat around in my garage. I mean, I don't know what to expect. You never know.
STEWART MOORE: Obviously this is a big year for you outside of your own game.
PAUL AZINGER: Yeah, I'm watching, I guess, fairly closely what's going on. The Ryder Cup points system is more of a one-year system now. Only four tournaments counted last year. If you've got your card this year, it's wide open; anybody can get on the Ryder Cup team. It's not like you're behind the 8-ball now. Some guys had really, really good years last year and they're pretty far down the Ryder Cup's list.
But I wanted more of a current system, more of a one-year system. Actually I wanted a one-year system but we decided to include the four majors from last year.
I like the system. I think it should prove out that we get the hottest Americans that are currently hot, and we'll just see if it plays out that way. I think it will.
Q. With the system, is it not a bit of a worry that a player will get hot early in the year, get enough points and then lose that form towards the end and still make the team?
PAUL AZINGER: What if the guy got hot last year and got a lot of points and then played all year and didn't get any points? You never know what's going to happen. A guy could win three times on the West Coast and then play terrible the rest of the year and still be on the Ryder Cup team, I suppose. It's just the chance you take.
I felt like the last couple Ryder Cup teams there wasn't a lot of change over, hardly any change over the weeks leading in. The guys that were secure on the team weren't finishing in the Top 10 and they weren't losing any ground because nobody that was close was finishing in the Top 10 to supplant them.
I just feel like the Money List is the true barometer. It's really what measures everything we do out here. You stay exempt based on where you are on the Money List; you get in the majors based on where you are on the Money List. Everything we do is based on money, and I just feel like it's the right barometer.
Q. Did you play the '00 PGA at Valhalla?
PAUL AZINGER: I did. It was hot.
Q. Did you make the cut?
PAUL AZINGER: I don't remember.
Q. I just wondered, from the short time you've been there, that playoff with Tiger and May, those people were berserk.
PAUL AZINGER: I did make the cut because I was there on Sunday.
Q. Especially the way it ended with birdies being poured on top of each other. I'm wondering if because of where we're going to have it that this might have a chance of being one of the loudest places we've been.
PAUL AZINGER: I think the fans in Kentucky can be the 13th man for this Ryder Cup team. They're rabid fans; they understand rivalries. I was just up at the Kentucky-Louisville game and that was some kind of an electric crowd. Neither team is ranked particularly high, but the animosity there, the boos that greeted Pitino when he walked out on the floor were just unbelievable.
Q. Boos, not like whiskey?
PAUL AZINGER: Boos, good call. B-o-o, like Boo Weekley.
Q. How often do you find yourself thinking Ryder Cup stuff?
PAUL AZINGER: A lot.
Q. Every week, every day?
PAUL AZINGER: Every day. When you hear all these captains talk about how it consumes them, and really there's not a whole lot to do, you pick out the meals, you pick out the clothes and then you wait to see what makes your team. But there's a lot to do that's consuming. The problem is the stuff that consumes you, you know, you do the logistics, but the stuff that consumes you is stuff you can't control because it's stuff that happens the week of.
Q. Did you do your media training and did the TOUR pay half of it?
PAUL AZINGER: Did the TOUR pay half of it? Probably (laughing). I did media training.
Q. Is it true that they used the Mike Gundy interview as an example of what not to do?
PAUL AZINGER: No, I didn't see that.
Q. I thought I heard that somewhere.
PAUL AZINGER: No, they didn't. Actually it was very good, the media training. I liked it. It kind of teaches you how to stay on point and just makes it easier to get out of a trap. I thought it would possibly help me get out of a trap when the tabloids come try to do their thing. I can skirt around them a little bit better.
Q. Have you met Harry by any chance?
PAUL AZINGER: Are you the tabloid guy?
Q. "Sporting Life" back in the UK.
PAUL AZINGER: Is that a tabloid?
Q. No, it's the UK's biggest attended website.
PAUL AZINGER: I just think I've got to be a little more guarded because I'm not just representing myself anymore. It's one thing to put your foot in your mouth and you look bad, but PGA of America knows that now you represent 28,000 men and women of the PGA of America, so they want to make sure that you take the high road if you can.
Q. How has that been?
PAUL AZINGER: So far, so good. I was out of the spotlight for a long time. I hadn't played since Hartford. Since Friday of Hartford I haven't done anything with the press. I've turned down every one-on-one interview. I haven't done a single one. I feel like now maybe I'll start doing them this year when I play a little bit. I just didn't see any value in doing them last year.
Q. What kind of schedule are you looking at personally?
PAUL AZINGER: I'm not sure, somewhere between 10 and 15 events is all.
Q. You're on a medical?
PAUL AZINGER: I get 13. I have 13 events to keep my card and then I can play the rest of the year if I want. If you can't make your money in 13 events, probably the writing is on the wall. You're not very good (laughter).
Q. Obviously it's early in the points and all that, but one guy who seems to be making a move and becoming the player he once was is Stricker.
PAUL AZINGER: Yeah, I love it. I love Steve Stricker. I like his demeanor. He's obviously a terrific match play player. He did really well a few years back winning the Match Play down in Australia. He's a clutch putter. He's the kind of guy you want.
His swing looks terrific, too. He's shortened it up quite a bit. Looks like he's reined everything in. He's confident and he's climbing up the ladder. But it's wide open.
Q. What's the general feeling of players when you see a fellow peer out here go into the valley and some of them never get out of it, but a guy who does get out excels on the other side.
PAUL AZINGER: Scott Verplank did it. He's comeback player of the century probably. He's long gone. He was asking me about the Florida State golf coaching job years and years ago. It's hard to come back. Chip Beck, Baker-Finch, guys that drop way off, you know, you can be best friends with a guy and you can say and do everything you can to help him, but in the end, golf is really up to you to figure it out and to accept the right teaching and eliminate what's not right. There's just no secret formula for it. You want to help and you want to help, but in the end, it's golf, and you can't really help a guy. You want to help him as much as you can, but it's up to us. I haven't exactly played that well, either, and I've got tons of guys trying to help me. But it's kind of up to me.
Q. Hal Sutton is another one.
PAUL AZINGER: Hal Sutton dropped off and came back and has played terrific.
Q. Did you see the comment I think it was in Golfweek magazine who quoted Duval about wanting to make the Ryder Cup team this year?
PAUL AZINGER: Yeah, I think it's fantastic. He's not behind the 8-ball. It's wide open. That's the beauty of this process. David Duval could have a terrific year and make the team. You know, if David Duval made that comment and he was a full year and a half behind in points, it would be very, very difficult.
Q. Under the previous system?
PAUL AZINGER: Right. You pointed out to me the other day, if I win this tournament I'm fifth in Ryder Cup points, and I see nothing wrong with that. I think that's great. But if I only play 10 or 15 events, the likelihood that I would stay in the Top 10, it wouldn't be very likely.
The system -- we'll find out if the system has flaws after it's all over and done with. But the four picks it helps, too, because I feel like the four picks are going to make it possible for me to cover my tracks if somebody slipped through the cracks, if somebody that's still way up in the World Rankings, somehow maybe had an injury or just didn't play that well but he's still kind of revered or still a great player who didn't quite make it; well, you've got four picks instead of two, you still have the ability to grab that guy.
Q. What's Toni been doing?
PAUL AZINGER: Who?
Q. Your wife.
PAUL AZINGER: Lots of stuff, lots of stuff. Stupid stuff, you know (laughing)?
Q. It gives you a lot of freedom with the four picks. It's a nice luxury to have.
PAUL AZINGER: I think it's a luxury. People think there's more pressure to pick four, but I think there's two less people you disappoint. You pick four instead of two, I think that's great.
Q. Is there one thing you have set in your mind above all else that is going to be the deciding thing?
PAUL AZINGER: Yeah, I want to pick who's hot. Experience is not going to play as much of a factor. I want guys that are red hot. Even after the PGA Championship, we have eight guys that have qualified and solidified their spot and we have five weeks or so until the Ryder Cup, actually maybe six with the week off, not sure, haven't really looked. But I think I'm going to get three tournaments to watch before I have to pick, at least two anyway. So who knows, some guy could have played horrible all year and win back-to-back. I'll pick him. It's likely that whoever wins the last event before the matches start might be an automatic bid. I don't know, I'm not sure.
Q. Do you watch a lot of golf on the TV?
PAUL AZINGER: I hate watching golf, I've got to be honest with you (laughter). I hate the announcers (laughing). If anyone writes that, can you please say, "He busted out laughing after the fact"?
Q. Did you watch last week?
PAUL AZINGER: I did watch the playoff. That's all I watched was the playoff.
Q. Did you find yourself rooting for your man?
PAUL AZINGER: Oh, of course. I wanted Stricker, big time. Nothing against Daniel Chopra, but I just wanted Stricker, absolutely. I consider Steve Stricker a good friend, too. I mean, I really want him to win. He'd have been third on the points list had he won, right? Now he's fifth or fourth or whatever.
Q. Moved into the big three in the World Rankings.
PAUL AZINGER: Oh, he did? Cool. Yeah, personally I didn't want to count the World Rankings because I felt like there were some guys -- if you went five off the World Rankings there were some guys that wouldn't even have to sweat out whether they would make the Ryder Cup team. They already knew they couldn't drop out of the Top 5. I would rather have everybody just feel like they don't know for sure and they're going to have to get in there and play good and earn it.
Q. What do you think the policy will be as it relates to drug testing before the Ryder Cup? It will be in full force come July. All the world is behind it, so to speak, and now probably --
PAUL AZINGER: As long as they don't test the captain, I'm fine (laughing). I'm fine with whatever they do (laughing), as long as the captain doesn't get tested.
Q. Given the nature of the event, could you see it where everyone would just -- they'd just do all 24?
PAUL AZINGER: Yeah, they could. I really haven't even thought about that.
Q. It just gives us something to write during the extra day of the week. It would be good for us.
PAUL AZINGER: Yeah, I think drug testing is -- I'd have to get a Whizzinator (laughing). Is that what that thing is called, the one that guy got busted -- the Minnesota Viking guy got busted with a Whizzinator?
I don't think you have to worry too much about the top players in this game. I think everybody has enough common sense to know that if they were doing something that the TOUR is giving you enough time to get off it, but I feel the likelihood that anybody was on something is very remote.
Q. I would ask this as a guy who's been around for 20-plus years, but it's being talked about as one of the issues going into '08. What do you think it'll be like at the end of the year?
PAUL AZINGER: What's that?
Q. The drug testing. Do you think it'll be important? Or do you think it'll be more like the driver testing and start collecting dust in week three?
PAUL AZINGER: I really don't know. I think it could be more like that. I really think it would be possible the PGA TOUR wouldn't test one single person, but the policy is in place and the TOUR probably will just say, hey -- I mean, I don't know. I don't want to speak for the PGA TOUR. I don't know what the PGA TOUR does from one minute to the next and I certainly have no influence on what they do. I don't know, but I wouldn't be surprised if they didn't test anybody.
There is a certain honor system out here that the players abide by. Players still call penalties on themselves. But there are players that still want to try to get an advantage. But I can't speculate. It's hard to speculate.
Q. I guess you missed the Verplank grilling on Thursday then, huh?
PAUL AZINGER: What was it?
Q. The ball moved. He was kind of on an upslope, the wind coming against him, and as he went through his pre-shot routine, he said he didn't address it and was told that he did, so he got docked a stroke and argued about it for about 20 minutes after the round was over.
PAUL AZINGER: Well, I mean, the best thing about that is that the first thing he did was he called the official to make sure that they got it right. That just says a lot about -- if a guy is beating feet to first base and he's called safe and he knows he was out, he's not telling the umpire, "hey, look, Dude, I'm sorry, I was out."
But a golfer wants to get it right. So he may argue because he feels like he's right, but in the end you have to look at Scott Verplank and say the very first thing he did was make sure that everybody understood what happened and he tried to get clarification on it. I think that says a lot about who the players are as a whole.
Q. Where are you at these days in terms of -- obviously you have the Ryder Cup in September, but with your own game where are you at as far as desire?
PAUL AZINGER: Well, I want to play really well. I would love to play great golf. I wouldn't mind making the Ryder Cup team. That would be kind of cool.
But I'm realistic. I didn't touch a club for 22 weeks last year. I literally didn't even reach over and touch a grip. I didn't really want to play anyway, and then when I completely wrenched my back, it was like, man -- I want to the doctor and a friend of mine said, "You should try to get a medical." I said, "Yeah, maybe I should." It worked out kind of good for me. But I was incapacitated for quite a while. I didn't touch a club, and the only reason I came back out is because my buddy wanted me.
To play with him a little bit because he was trying to get ready for Tour school and stuff, so I went out and watched him practice and started chipping a little bit and stuff. But I'm pretty excited. I'm glad to be here. I didn't really know I was going to play here until about 15 days ago.
Q. Who's the friend?
PAUL AZINGER: Steve Pleis, just a friend from home. He missed.
Q. Did he go to the final?
PAUL AZINGER: No, he ended up missing in the first stage. Tour school is a nightmare.
Q. Did he caddie for you at one point?
PAUL AZINGER: He caddied tore me after I got sick for about five weeks.
Q. 22 weeks?
PAUL AZINGER: That's a long time. That's like almost five months.
Q. You must have at least gripped a club when you were recovering from cancer, didn't you?
PAUL AZINGER: Oh, yeah. I was chipping around all the time. I mean, let's think about it. I think the first week of June is Hartford, so three weeks -- I think that's right.
Q. Hartford was the third week of June.
PAUL AZINGER: The third week? So we'll see July, August, September, October, yeah, 20 weeks probably, 18 weeks. Seemed like 22. Maybe it was only 20. It was a long time.
Q. You've got a great record here, six top 20s and a win.
PAUL AZINGER: I think I have seven Top 5s here. I should have won this tournament like four or five times probably.
Q. Why do you like it so much here?
PAUL AZINGER: I don't know. I can hit it really low. It's really windy. It's Bermuda. There's a lot of reasons I like it. I don't know, I've played good here a lot. I even played decent here last year. I shot 72 on Sunday to finish 13th. I remember I three-putted the last hole and it cost me like 50 grand. I made $89,000 instead of $130,000 or something.
I don't know why I play well here. I think just the Bermuda and the wind maybe.
Q. Given your layoff, this is probably the perfect venue to come back and start with.
PAUL AZINGER: Yeah, I haven't been competitive. I haven't really gambled at home or anything (laughing). I'll probably be nervous Thursday, probably be real nervous. But I want to do well. I feel like I'm hitting it decent or I wouldn't have come over at all. I made good contact all day today.
Q. You don't have anyone, younger players, what have you, calling you Mr. Azinger this year, do you?
PAUL AZINGER: Not yet. I haven't seen any of those guys. No, not yet.
Q. Patting you on the back, calling you buddy?
PAUL AZINGER: No, not yet. You know, I think Ryder Cup is one of those things where you don't start really sugaring up to the captain until really mid-year. You don't want to sugar up too much early, although Bubba Watson has kind of pulled up next to me a few times. Bubba Watson has got eyes on that Ryder Cup.
It's not one of those things -- Ryder Cup is major championship pressure. It's like Sunday, final round, last group, major championship pressure the first day. The difference in the major is that week you played your way there and you earned it and you're playing really well when you're there. Ryder Cup you're totally exposed, and in the past you may not have played well for five or six months and you're on the team, and now you're in Ryder Cup final group pressure the first day.
I mean, I don't think guys really want to say, hey, I want to be on the Ryder Cup team. They want to make sure they're playing well before they start sliding up to you. That's always the way I worked my little begging process, make sure I'm playing good before I beg for what I don't want. Be careful what you wish for, you just might get it.
Q. Did you captain any teams at school? Do you have any experience in captaincy?
PAUL AZINGER: I was Hale's assistant captain at the Presidents Cup, and Hale made the team, so he actually laid a lot of responsibility on me. It was the first Presidents Cup, I think. I really enjoyed that. That's the only experience I have doing it. I don't know how important it is.
Really you just have to be fairly organized and realize you have a bunch of really big boys that are showing up to play that all know what they're doing. I think my responsibility to myself is to give them as much free time as possible and make sure we all are as relaxed as possible and get the right players together, go have at it. Let's go play golf. It's just golf in the end.
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text:
298 The Book of Woodcraft At the word "Go!" each tries to unbalance the other; that is, make him Uft or move one of his feet. A lift ol a shift ends the round. Battles are for best out of 3, 5, 7, or 11 rounds. BADGER-PULLING The two contestants, on hands and knees, face each other. A strong belt or strap is buckled into one great loop that passes round the head of each ; that is, crosses his nape. Halfway between them is a dead line. The one who pulls the other over this Une is winner. The contestant can at any time end the bout by lowering his head so the strap slips off; but this counts i against him. Game is best out of 5, 7, 11, or 13 points. STUNG, OR STEP ON THE RATTLER — SOMETIMES CALLED POISON This is an ancient game. A circle about three feet across is drawn on the ground. The players, holding hands, make a ring around this, and try to make one of the number step into the poison circle. He can evade it by side-stepping, by jumpmg over, or by dragging another fellow into it. First to make the misstep is "it" for the time or for next game. Sometimes we use a newspaper with a switch lying across it. Each when stung sits down. When one only is left he is the Rattler, and may sting each of the others with the switch across their hand. BUFFALO CHIPS When I was among the Chipewyan Indians of Great Slave Lake, in 1907, 1 made myself popular with the young men, as well as boys, by teaching them the old game of hat-ball or Buffalo Chips.
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Laurentian Bank - Trans Union or Equifax
Stu.Padaso replied to tabcola's topic in Canadian CreditYes, Laurentian will pull Transunion.
Canadian Tire MC
Stu.Padaso replied to tabcola's topic in Canadian CreditYes, they pull Transunion.
Just financed a new vehicle thru Ally.
Stu.Padaso replied to Stu.Padaso's topic in Canadian CreditHeh. That was a year and I have no idea. I'll guess and say it was mid-to-high 600's on Transunion. Somewhere in that range. I had quite a few inquiries at the time. The rate I got 1.9%.
Canadian No-ForEx cards?
Stu.Padaso replied to patz2009's topic in Canadian CreditAs far as I know every issuer in the country charges a fee. Most are 2.5%. Desjardins Visa charges 1.8%, which is the lowest in the country.
New RBC balance transfer offer for existing cardholders
Stu.Padaso replied to Floridian's topic in Canadian CreditYeah, RBC always has some sort of balance transfer offer. I see them in my message center "Offers" section all the time (I only have an RBC Visa...no bank accounts or anything else). This is a good offer from RBC though, compared to what they usually give. Normally their BT offers only last 3-6 months. This one is good for a year, which is strange for RBC.
Just financed a new vehicle thru Ally.
Stu.Padaso posted a topic in Canadian CreditI just bought a new SUV because my old one is falling apart. I've put about $1k into it this year alone and just found out it needed another $1300 in repairs. Welp, enough is enough. The old girl doesn't owe me a dime and it's time to put her out to pasture. So I walked into the showroom, got myself a salesmen, and took about 8 different vehicles on test drives. And I needed financing. Oh God. The face-to-face application. I started sweating. As is usual of me, I got all worked up for nothing. It was stupidly easy. I got the cheap money from GM (I'm a GM man...it runs in the family). It's thru Ally Credit Canada, which is what GMAC is now called. I was nervous as hell talking to the F&I lady, but she was good at putting me at ease. I actually worked with her years ago when I worked in the auto industry. We're not friends, just acquaintances. (To be honest: I barely remember her working in the same dealership I did, but she definitely remembers me.) She laughed when she asked me to rhyme off my credit cards for the financing application. I just kept going...and going...and going...and going. I didn't get instant approval because it's difficult for me to prove income. They needed to verify. Less than an hour later I get a message on my cell phone that I was approved. Longest hour of my life! Now I wish I would have bought the better model! ahahahahaha. I did have a good chat with her about Ally and what they expect. She seemed on the level and I have no reason to think she was bullshitting me. I'm just passing along what she told me, so take it with a grain of salt. First of all: Ally pulls Transunion. She said if Ally sees anything less than a 620 credit score it means you won't qualify for any cheap money deals they have going. They will send your file over to some other 'deadbeat' department where the rates can fall anywhere between 5% and 25% depending on how much of a deadbeat you really are. Not very many people are flat out denied credit. It's just a matter of what kind of interest rate you're prepared to pay. Other than the 620 cut-off, Ally isn't very concerned about your actual score. Having recent late payments isn't necessarily a deal killer, but if you have more than a couple then they'll take a long second look at your application. Your chances of approval dropped a bit if that is the case. Any lates over a couple years old are glossed over (i.e. ignored), as long as it wasn't a constant stream of late payments that stretched for months and years at a time. The same goes for charge-offs and/or collections. If they're small amounts and over a couple years old then Ally is fairly forgiving. As long as there isn't a ton of them and you're not talking BIG BIG dollars then you should be fine. She said they just want to know whether you can pay them back. If you have a steady job and don't live beyond your means then you should be all right. They don't like to see a DTI ratio more than 32%, and they don't consider your mortgage/rent payment when they calculate it. They will accept a DTI up to the high 40's but it takes a very clean report and a decent income to do that. Anyways, it was a fun experience (in hindsight). This is the first time I've ever bought a new vehicle. And the first time I've ever financed a vehicle too. edit. I pick it up next week.
Ally Credit Canada pulls Transunion. (Ally is the new GMAC, for those who don't know.)
Well, I guess it's something Liam. Sorry about the National Bank rejection. I really am. I can't help but feel a little responsible for the wasted hard inq. What you said about TD doesn't surprise me. They wouldn't approve me either when I was trying to get back on my feet. If I remember correctly, the lady at my branch said they'll overlook a few late payments as long as they aren't too recent. But anything worse than that and they'll reject it. I had that stupid $40 Iqor collection thing on my report, plus a Citifinancial collection for like $4400 (and I've never done any business with Citifinancial. Never. It wasn't mine. Neither was, to be perfectly honest.) TD also wanted 110% security too. All TD would tell me was get those two things off my report and I can have the secured Visa. They didn't care about my excuses. She pretty much held her palm up and said "talk to the hand". So I just let it go. It wasn't worth it. (The Citifinancial collection was pretty old and was going to drop off in less than 6 months anyways. So I never did anything to clean up my report. The Iqor thing came back to haunt me though when I got my mortgage thru TD a couple years later. Long story...) Did you try Walmart? It's actually a pretty good card. Not long ago they were giving out $25 in rewards for new applicants. You had to use the card twice, once in store and once outside the store to get the $25 credit. The card itself pays 1.5% for instore purchases and 1% for everywhere else. And you can redeem the rewards right at the register with the minimum being only $5.
Can you pull a deceased parent's credit file?
Stu.Padaso replied to GonnaGetEm's topic in Credit ForumThat Gulf card really brings back memories of driving to Florida with my parents and my older brother. Even though my Dad owned a GM dealership with Texaco gas pumps he had a Gulf charge card and I remember him using at every Holiday Inn along the way to Florida. (I don't remember seeing the HI logo on the back though. Seems to me it was just full of writing. But this is Canada so it was probably different. The front looks very familiar though.) Every year in the 1970's (usually right after New Years) we spent 2 or 3 days on the road heading south, then spend about 10 days in Ft. Lauderdale or St. Petersburg, and then spend 2 or 3 days heading north. You've heard Bill Cosby talk about how his Dad could smack him and his brother (Russell) in the back seat without even looking? And regardless of how far away you were he could still smack you? Well, that comedy routine was based on MY Dad. Bill Cosby nailed our Florida vacations to a T. My Dad was the master of blind swatting and still nail you with a bullseye swat to the side of the head. Anyways, even at ~7 years of age I thought credit/charge cards were cool and always found myself trying to see them whenever my Dad had to whip out that magic wallet of his that never seemed to be empty of interesting things. He had all kinds of gas station and in-store only charge/credit cards in his wallet and I remember when he got his Mastercharge and how he bragged that could use it ANYWHERE! Then he took a trip to Europe with his brother and when he came back he was pissed because hardly anybody accepted it over there. So over the years he ditched the Mastercharge/Mastercard and spent most of his adult life, and then his retirement travelling the world with a single no-frills Visa and a green Amex charge card. That's it! He died in 2006 and I would love to see his credit report.
I always figured they were tight with their credit, but I honestly don't know where I got that idea. Like I said, I was very surprised when my GF was approved so easily...and with a very nice credit limit too. I'd really like to know how you make out, so please post back and let us know. It would be nice to find out if they're poor credit and/or BK-friendly as it would be really helpful for others in the future. National Bank just isn't a bank that most people think about. Good luck! edit. For the record, Nat. Bank pulled Transunion on my GF's app.
Platinum, gold, silver, green, black, blue
Stu.Padaso replied to BeachDweller's topic in Credit ForumNot sure about the USA, but here in Canada the different levels of colour typically mean better benefits. Visa/MC force the level on benefits before allowing one of the issuers to issue a card of that colour. It has nothing to do with the credit limit. For example, Gold level cards are supposed to have a minimum amount of travel insurance of $100k or something, I think. Whereas a Platinum level card is supposed to have a minimum of $500k. Gold and above also are required to carry rental car insurance, as another example. Also, initially, Platinum level cards were to have extended warranty coverage for all purchases, but that special benefit gradually oozed its way down to be typically included into the Gold level cards as well. Whether a card has an annual fee or not is completely irrelevant. All the levels have pushed the line drawn by MC/Visa over the years, so it's more and more difficult to differentiate between the levels. But the differences are there. They might not be so obvious any more, but they're there. The relatively new Infinite Visa (called the Signature Visa in the USA I believe) and they're generally Black in colour. They were intended to only go to big spenders, immaculate credit history, and with high household income. When used at a retailer the merchant fee is a little higher too. The reason given to the retailers for the increased fee was that people who have that card are big spenders and they're bringing them into your place of business...therefore it's worth more to you. Trouble is, the minimum requirements for approval aren't being enforced. I believe it's $75k household income, but the big banks routinely approve anybody with reasonably decent credit regardless of income. All it takes is a good relationship with a bank and bingo - you're approved. I know my GF, who is going to school right now and has no other income except for what her ex-husband pays for child support, is being courted for the TD First Class Infinite Visa simply because she has a long relationship with TD and has some loot stashed in their vaults. It's to the banks benefit to put their Infinite Visa in her hands. She's not a big spender but the bank get a bigger cut of the fee for each purchase. So it's not a surprising they want more people to have those cards in users hands. As a rule, here in Canada at least, the colour levels do have meaning. The line is blurry nowadays, and it has nothing to do with the credit limit issued. For example, I have a Gold level MC with a $15.5k limit and a Platinum Level MC with a $2k limit. (The examples I gave above are just that...examples. They may or may not be entirely accurate.)
I can't say with certainty that BMO will approve, but they approved me once when I had a couple of old write-offs/collections on my account. They were 5 years old at the time, give or take, so maybe that makes a difference. But I didn't have a bankruptcy on my report though, so it's hard to say. I'm wondering if you tried National Bank. My GF's report is kind of UGH. Not bad, but not pretty either. And they gave her a fairly hefty credit limit without question. Once again, no bankruptcy on her report though so again it's hard to say. I'm wondering if you tried for a Canadian Tire, HBC, or a Sears Mastercard. Or even the Best Buy Visa. One of them, if I was a gambling man, would probably be your best bet. If I were you I'd try a couple of them right on top of each other. If you're approved for them, great. If you're declined for 1 or both of them, then BMO or National would be a waste of time and a hard inquiry. edit. oops. I see you listed HBC as a no-no. edit2. I just remembered something. My ex-wifes niece was in a financial mess at this time last year. I'm not 100% certain if the declared bankruptcy, but I'm almost sure. She couldn't even get a cell phone. She was borrowing money left and right and had people chasing her everywhere she went. She'd start a new job and within a month people were calling her at work. In early December she was approved for a Walmart Mastercard. She didn't do it in-store as she was too embarassed to do it face-to-face, so she printed out the app from the Walmart website and mailed it in. She had to jump thru some hoops but she was eventually approved (big mistake on Walmarts part, in my opinion). I'm not sure how much of a credit limit they gave her, but she told my daughter they gave her $2500. Like Canadian Tire, they have 2 or 3 levels of interest rates to allow them to be more lenient. If you have crappy credit they'll approve you...but at 28% or something. I honestly can't see them giving her a standard 19.9% rate.
My GFs credit isn't too bad. Her ex-husband kind of buggered things up on her but it's pretty much aged off, and what hasn't we got cleaned up and she's good to go now. But her open accounts are too young. That's where the problem lies. When her and her ex-husband went their separate ways, she had a few CCs and when she went to renew her mortgage at BMO they asked her to consolidate her CCs. I think BMOs reasoning was "single mom, recently divorced, no full-time employment, ummm we better be careful" approach was understandable. Either she's too embarassed to admit to me she got in trouble and needed a bailout, or she was just too dumb to read the paperwork, I don't know for sure. But BMO ended up paying off her credit cards and cancelling all of them without her honestly having any idea that happened. And they cancelled ALL of them, right down to her 20+ year old Sears card that she got when she was 18. All of this happened when we were dating but not actually living together. Yeah, she's a little naive when it comes to finances. As she found all that out (sometimes the hard way...like, being declined) she finally woke up and spoke to her BMO rep who explained what they did. They got her another BMO MC, but at a fraction of the limit she once had. They didn't reactivate her old account either. This one shows up as a new account, and she lost about 15 years of age. Then she got a Capital One MC (no idea on the limit...I've never seen her use it. She says she used it once when she first got, and hasn't used it since) and TD gave her a toy limit Rebate Rewards Visa. She got an HBC in-store card, then converted it to the HBC Mastercard about a year ago and then she got a Sears MC shortly after that, both with non-toy but not-very-big credit limits. I see her use the HBC MC more than anything. She likes the HBC points or whatever they're called. She got some mail from MBNA on Friday, but she tore it up without a second glance. The National Bank MC she applied, and presumable was approved for, is the Edition MC. And I have to admit the black design of the card is pretty nice. And yeah, they do have the vertical cards (I checked out National Bank myself!) but I believe they're only for students cards. Otherwise I know I'd be apping for that one! ahahahaha But I don't know why she's targetted for all the offers she gets. Maybe over the last couple years they seen a decent score but hardly any open accounts. I admit these offers have slowed down in the last year or so. When I bought this house and we moved in together, within 6 months she was getting weekly offers from any CC imaginable.
Hey Quasei! National Bank pulled Transunion for my GFs Mastercard app. She did it online. (Don't ask why she app'd for what looks like a crappy Edition MC. It only works out to 0.5% cashback. Oh well. She gets all kinds of credit offers in the mail. Normally she doesn't even look at them, but she looked at this one and went to the website and liked that she could pick the design. She picked the black one (it does look really nice, I admit) and applied. The next day they called and verified her info. They wouldn't say yes/no when asked if it was approved, but the fella did say "if you get this call then it's a good sign" or something to that effect. All he would say is she can expect a letter in the next few days. Why does she get all these offers in the mail? I don't get any. And if I do, it's always from Amex! She gets an offer from CIBC once or twice a year, but most of her offers come from the non-big banks like MBNA, Citi, and now National Bank. I have never ever seen an unsolicited offer from National bank in my entire life - but she gets one! I swear she even got one from Laurentian Bank back in the summer. Why is she so special? I want offers too! ahahahahaha)
Amex Blue Sky
Stu.Padaso replied to Quasei2's topic in Canadian CreditWell, I did the online "increase credit limit" option again tonight. I put in to update it to $5k, and surprisingly Amex came back with a "we can't give you $5k, but we can give you $2.3k." GRRRRRRRR. I accepted it. They have got to be the most frustrating and annoying company ever. But I know what it is that they finally gave in to my constant requests for a CLI. It's because I had 2 hard inquiries drop off of TU in the last month. I'm still going to down-grade it to the Gold Airmiles Amex though. I can't justify paying $50/yr for a limit that low.