![]() If you are a consumer in debt, to protect yourself and ensure that debt collectors don’t retrieve information about your financial status, place of employment, or daily routine from social media, remember to keep these details private. They are also prohibited from using this medium to harass you or publicly defame you. In a nutshell, a debt collector can contact you regarding your Comenity bank Victoria secret card via private messages on social media, unless you have asked them not to contact you this way. This rule, however, also stipulates that any attempts to get you to settle the debts on your pink credit card must not be viewable by the general public or by your social media contacts. New rules state that a third-party debt collector can try to get you to pay your Victoria’s secret credit card debt via social media. Can a Debt Collector Contact Me Through Social Media? If you get contacted about your Comenity bank Victoria Secret credit card at work, then it may mean that you used the email address to communicate with them and you haven’t opted out of further communication via that email address. No, you can’t receive communications over your Victoria’s secret Comenity bank card via an email address that the debt collector knows is for official or work purposes. Although the rule does not state how many times you may be contacted via text or email over your Vsangelcard, it does outlaw debt collection harassment. Yes, the third-party collector can send you texts and emails over your Victoria’s Secret credit card. The FDCPA is enforced by the Federal Trade Commission, and it protects you throughout the Comenity Bank Debt Collectionprocess. ![]() and harassing debt collection practices employed by many debt collectors. Your debt collection rights are listed in the Fair Debt Collection Practices Act (FDCPA), which protects consumers like you from abusive, unethical. What you may not know is that the law gives you certain rights when it comes to dealing with debt collection agencies like victoria’s secret Comenity bank. do you wish there was a way to make the calls over your Comenity bank victoria secretcard stop?Įverybody faces money issues time and again, and when these issues arise, dealing with the financial trouble that they bring along with them is stressful enough put an unscrupulous debt collection agent into the equation and it becomes ten times worse. We believe getting involved in our communities makes a difference and we’re dedicated to positively impacting the lives of our associates, our customers and the global community at large.įor more information on Victoria’s Secret & Co.Victoria Secret/Comenity Bank Harassment?ĭo you have a Victoria’s Secret store credit card? Have you defaulted on payments for your Comenity bank-powered Victoria Secret credit cardand as a result of this, are now receiving Comenity Bank debt collection calls from Victoria Secret, with the backing of Comenity Bank, and wondering how to stop the harassment stemming from these?Īre Comenity Bank debt collection agents making illegal threats against you? Have you asked agents of Comenity/Victoria’s Secret to stop calling you by sending them a cease-and-desist letter, yet does Comenity Bank continue to call you? Finally. Our philanthropic efforts represent a rich mixture of backgrounds, insights and perspectives. Underlying everything we do is our commitment to advancing diversity, equity and inclusion and addressing race, ethnicity, people with disabilities and LGBTQIA+ issues and inequities. As one of our company's core values, we understand, appreciate and leverage diversity to provide value for our customers, associates and shareholders. Deeply rooted in this commitment is our responsibility to women - improving women’s health and wellness, supporting women impacted by domestic violence, developing women leaders, supporting positive mental health in young adults and supporting organizations that work to improve the lives of those within our supply chain. ![]() Through financial contributions, nonprofit partnerships, in-kind donations and associate volunteerism, we strive to make lives better and communities stronger. ![]() At VS&Co, we are deeply committed to people - our associates, customers, partners - and the communities around the world where we live and work. ![]()
0 Comments
![]() ![]() This free art app for the iPad replicates the look of pastels.It’s easy to use, and if you’ve never worked with pastels before, it could be just what you need. Wondering if the iPad is right for your art career? We go through the pros and cons of the best drawing tablets out there. Most importantly you can save your files as jpeg, png, svg, or pdf. There’s very little you cannot do with this iPad drawing app, and, considering the affordable pricetag, that’s saying a lot. This app turns your iPad into a veritable art studio and offers deadly-sharp color clarity, ultra-responsive stylus control, and exceptionally powerful features, all at a decent price. From professional art apps to great drawing apps, we go through the coolest apps out there for iPad artists. However, with all that power and precision at your fingertips, you are probably wondering what is the best drawing app to use. The iPad is a versatile machine, made even better by the new Apple Pencil. At just $4.99, this is probably the best drawing app for the price. We feel it’s safe to say, you won’t be running out of ideas with this desktop app at your fingertips. Sketch Pad features 18 brushes, over 5,000 clipart, 14 shapes, and over 800 Fonts. Sketch Pad, by Sketch I.O., is a wonderful desktop app for both PC and Mac that can make your own drawing come to life. Why not take it for a spin for your next poster design? Sketch I.O This online art app is easy to use and you can save your files in jpeg, png, SVG, or pdf. Some might argue that it is one of the best free drawing apps available due to the advanced feature set. It’s been around a long time, too, so it has a wealth of features that are constantly being updated and improved. If you aren’t able to procure a license for Adobe Cloud but absolutely require something with Photoshop-esque features, GIMP is exactly the online drawing app you need. GIMP UI is similar to Adobe suite of design tools Whatever stage of your career, you can’t go wrong with any of these stunning art drawing apps. Here are some of the most feature-rich and intuitive online drawing apps that are free to download and use to create stunning art. More Free Drawing apps for PC and Macįree drawing apps have come a long way over the years. ![]() With multiple export options, you can save your file as a jpeg, png, SVG, or pdf. Overall, a solid draw app free to use that can give you professional results on a nonexistent budget. It also sports numerous features that provide control over your brushes and layers. The interface is straightforward and makes the entire package a joy to experiment with. It’s lightweight and handles comic art and manga as beautifully as it does painting, sketching, and digital design. MediBang PaintĪvailable, essentially, on every device, MediBang Paint is among the best free online drawing apps available. From layering to masking and everything in between, this has to be among the best Ipad and Android drawing apps for free. Feature-rich and backed by years of Adobe expertise, Fresco will allow you to create some truly stunning pieces of art. Adobe Fresco (previously Photoshop Sketch)Īdobe Fresco is one of those freemium drawing apps that just keeps on giving. Easily save your creation and export as jpeg, png, SVG, and even pdf. Plus, as an Adobe product, you can count on superior support and regular updates, in comparison to other sketch drawing apps. As far as artist drawing apps go, brushstrokes behave as expected, and the interface provides lots of cool features. ![]() The interface is intuitive and requires very little learning time, and the UI is clean and responsive. Adobe Illustrator Draw is a free online drawing app gem (not surprising, given that it’s part of the hallowed Adobe family). Drawing rich and vibrant sketches with vector art is rewarding: they look clean, and the art scales seamlessly no matter the size you work at. Adobe Illustrator DrawĪdobe Illustrator drawing apps have become a leader in the digital art industry. Extremely versatile and perfect for any designer to use, this is a strong contender for the best free sketching software you can download. The tool has over 190 customizable brushes that allow you to create traditional art pieces, as well as illustrated digital art. Sketchbook’s user interface stays incognito whenever you’re drawing so it allows you to stay focused when you’re bursting with creativity. The tool boasts the ability to create a drawing space on any device, making it one of the most versatile sketchpad apps on the desktop. ![]() Autodesk’s Sketchbook is a comprehensive drawing app free to use on Mac and Windows. ![]() ![]() Make sure you have this information before you meet with your banker, and that you’ve reviewed it, so you can be ready for any questions they may have.
![]() ![]() However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.įor more information about us and how we conduct our business, you can read our privacy policy and terms of use. This monthly budget template comes in gray or black/white. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. Printable Monthly Budget Planner Template by Bobbi Printables. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. Monthly Budget Template, Simple, Finance, Personal Finance, Budget Tracker, Google Sheet, Expense Spreadsheet, Income sheet, Digital Planner. Our free budget calculator will help you to know exactly where your money is being spent, and how much you’ve got coming in. This budget template enables you to: work out where your money is going. We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade. The second template is a complete budgeting sheet with income sources and an expense box. It’s best for tracking expenses like bills and debt payments. The document can be in the form of a spreadsheet, a worksheet, an app, or a software. The monthly budget planner is a simple sheet with a date, description, category name, and amount while at the end is the total amount. ![]() These templates are the perfect complement to your. It can help you save more, pay off debt, invest wisely, and manage your finances. Manage the budget of all members of your family by intelligently distributing cash, tracking debts, controlling bank card balances, maintaining information sheets about insurance, planning salaries, medical expenses, pensions, donations, taxes, and more. Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). A monthly budget template is a document that shows your income and expenses for a month. ![]() ![]() Submit proof that your legal parent or legal guardian is paying your application fees (Example: parent or guardian name is written on the check or money order).Submit a signed note from your legal parent or legal guardian with a photocopy of their ID.Bring a photocopy of that parent or guardian's ID. The agent or employee accepting the application will ask your legal parent or legal guardian to sign Form DS-11. A legal parent or legal guardian appearing with you in person when you apply for your passport.For more information, please see Children's Passport Issuance Alert Program. You must show at least one legal parent or legal guardian is aware that you are applying for a passport. If you have your own current identification document (ID), you may apply for a passport if you are age 16 or 17. We will return your document in a separate mailing up to 8 weeks after you receive your new passport. citizenship to the acceptance agent or passport employee. Returning your document: You will need to provide your evidence of U.S. citizenship and a photocopy of the document. You must submit physical evidence of U.S. citizenship such as a mobile or electronic birth certificate. Paper only: You cannot submit digital evidence of U.S. If you cannot submit one of the above acceptable documents, or for more information, please see Citizenship Evidence. Consular Report of Birth Abroad or Certification of Birth.Has the seal or stamp of the city, county, or state which issued it.Has the date filed with registrar's office (must be within one year of birth).Lists your full name, date of birth, and place of birth.Issued by the city, county, or state of birth.birth certificate that meets the following requirements: Full validity means the document is/was valid for 10 years for adults and 5 years for children under 16. passport (expired passports are accepted). Your evidence must be an original or certified, physical copy. A certified copy is any document that has the seal or stamp of the official issuing authority. You must submit one of the following documents: In the Emergency Contact field, list a contact who is not traveling with you.You may request a larger passport book with more visa pages, at no additional cost, by checking the 'large book' box at the top of the application.You can apply for a passport book, a passport card, or both documents.If you do not have a Social Security number, you must sign and date a statement that says, “I declare under penalty of perjury under the laws of the United States of America that the following is true and correct: I have never been issued a Social Security Number by the Social Security Administration.”.You must provide a Social Security number, if you have been issued one.If applying on Form DS-11, do not sign it until instructed to do so by the acceptance agent. ![]() Double check the information you entered for your date of birth and date of previous passport issuance if you did not get the form you expected to receive.
![]() ![]() Structural functionalism has provided one of the most important perspectives of sociological research in the twentieth century and has been a major influence on research in the social sciences, including gender studies. Is the gender wage gap a real thing? Watch this vlog from John Green to learn about some of the latest research on the topic. Let’s look at each of these perspectives again as they apply more broadly to gender. This type of meaning-making, which is heavily gendered through generational cycles of socialization, contributes to the wage gap at the microsociological level. A woman who displays certain behaviors that are generally conceived of as being appropriate for leadership (i.e., strong, opinionated, concise) might be perceived as “bossy” or “difficult to work with,” whereas a man depicting the same behaviors would be perceived as someone who is ready for a leadership position. Interactionists would likely examine how meaning is produced and negotiated in social interactions and how that meaning is then translated into wage inequality. The United States is an advanced capitalist society, so by paying some workers less than others (and all workers less than the actual value of their labor), those at the top increase their wealth, while the workers are led to believe they too can join the bourgeoisie if they work hard enough. Females, as a minority group, are paid less so that the dominant group (men) can maintain a greater share of status and power. As we have seen over the past 60 years, values do not always keep up with changing norms and vice versa.Ĭonflict theorists influenced by the theories of Karl Marx might analyze how the bourgeoisie use the wage gap to perpetuate an unequal system, and how the wage gap is successful in keeping the working classes both divided and subject to a politically neutralizing false consciousness. When women began to collectively demand “equal pay for equal work” in the 1960s, formal norms (laws) had to be passed for this to occur. When large numbers of women began to enter the workforce beginning in World War II, they were paid less, but the rationale for this wage was that it was a necessary cost-saving measure during wartime. ![]() For functionalists, when roles are clearly established, social solidarity increases. Structural functionalists might look at how values and norms shape societal notions of success in the workforce, and how these established values and norms reinforce the division of labor as well as gender inequality. To establish a more comprehensive analytical framework, we can apply each of the three main sociological perspectives to better understand the socio-economic phenomenon of the gender wage gap. We then want to scrutinize the structures and processes that shape these experiences. Not only do we need to examine each woman’s experience in the workforce, we should also understand intersectionality, or how each person’s experience is affected by race/ethnicity, social class, age, etc. This gap is even more pronounced for Black and Hispanic women. In 2017, full-time working women made 80.5 cents to every dollar earned by men, meaning there is a gender wage gap of 19.5 percent. To take a specific example, let’s consider how each theoretical perspective might explain the gender wage gap. Sociological theories help to explain complex human behaviors, social phenomena, and social structures. Examine gender from a structural-functionalist, conflict, and symbolic interactionist perspective. ![]() ![]() ![]() Transfer fees for wire transfers may be based on the outgoing dollar amount, location, and more. Wire transfer services usually require you to pay the funds in person when filling out the request form. You’ll usually need to provide information such as the recipient’s full contact details and bank account information to initiate the transfer. If you are using a wire transfer service, you’ll need to contact the service to find out how their specific wire transfer process works. Contact the receiving bank to get current fee information. Please keep in mind that the receiving bank may also charge a processing fee for wire transfers. International bank transfers may require additional information, may take a few days longer to complete than domestic transfers, and may require a higher wire transfer fee. Transfer fees will vary depending on your bank or credit union, but can usually range between $0-$50. You’ll usually need to provide the recipient’s full name, contact information, and bank account details such as routing and transfer numbers. You can usually initiate a bank-to-bank wire transfer in person at your bank or financial instruction’s local branch or through your online bank account. ![]() You can wire money through the following methods: Bank-to-bank wire transfers Before completing a wire transfer, it’s important to consider the ways you can wire money safely, conveniently, and quickly. Wire transfers are commonly done through two methods: bank transfers and wire transfer services. Keep in mind that wire transfers are typically subject to fees and that the funds requested for the wire transfer will leave your account immediately. Transfers can be done both domestically (within the United States) as well as internationally. Wire transfers can make sending money to other people or businesses convenient. There are several methods for wiring money, and you may want to consider each method carefully to find out which type of wire transfer is best for your financial needs or situation. Send Money with Zelle® is only available in English in secure Online Banking.A wire transfer is an electronic payment used to transfer funds between bank accounts. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. mobile number is already enrolled with Zelle. ![]() Transactions typically occur in minutes when the recipient’s email address or U.S. Internal and external transfers are free.įor more information, read the Terms and Conditions. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. phone number, and an active unique e-mail address. To use these services you must have an Online Banking profile with a U.S. Message and data rates may apply, check with your wireless carrier.Įxternal transfer services are available for most personal checking, money market and savings accounts. To send money for delivery that arrives typically within minutes, a TD Bank Visa® Debit Card is required. ![]() mobile phone number, an active unique e-mail address, and a Social Security Number. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. 1Send Money with Zelle® is available for most personal checking and money market accounts. ![]() ![]() ![]() I spend a lot of time creating these files that I share for free with you all, so thank you for understanding and respecting these few simples rules □ĭownload this lovely freebie – PDF file for A4 paperĭownload this lovely freebie – PDF file for US letter If you want to share a file, please send a link to the related article on my website but don’t share or send the file on its own. you can’t modify or claim them as your own,.you can’t use my free printables for commercial purposes,.Punch holes, add in your planner and enjoy!!ĭon’t forget to also have a look at other planner freebies I shared on the blog! Download your food log/meal planner inserts:Īll the free printables I share on Lovely Planner are meant for PERSONAL USE ONLY. You’ll end up with that, a double sided A4 sheet (or US letter sheet): Then you’re going to want to print on the other side of it, so follow this same steps (borderless) and print on the other side. Select that, you’ll see in the preview that your cute border is all good. In “paper size” select “A4 paper” or “US letter” depending on the paper you use, then if there’s an arrow next to it that means you get to select the borderless option (here called “sans bordure”). If your printer allows you to print borderless, you should see something like this (pardon my french, i’m french and so is my computer but this should help you get it): ![]() Once you’ll open the PDF you’ll see what I mean, but basically, the PDF has to be printed on A4 paper, both sides. And I really like to have a cute border on my inserts, so in order to do that I created my file in an A4 format (featuring both sides of my A5 inserts). My printer (Canon MG 5500) does allow me to print borderless on A4 paper though! Yay! If your printer allows you to print A4 borderless then good news: you too, can get cute A5 inserts with a nice border.Īs you may know, one A4 sheet is composed of two A5. Unfortunately my printer doesn’t allow me to print borderless (edge-tp-edge) on A5 paper. This printable is made to fit inside A5 planners. Just replace “A4” by “US letter” in your head for these following explanations: So, if your printer can print “US letter borderless” then you should be able to follow these same steps and end up with half US-letter inserts with a nice border. I know that A4 isn’t a typical paper size in US (you can find some here though) so I created an additional file that fits on US letter size paper. My printer is able to print borderless on A4 sheets, so I’m able to create A5 borderless inserts by including 2 inserts on one A4 sheet. I really like to have a cute little border (where the holes get punched) on my inserts and so I came up with this solution. I’m sorry if it’s the case and I hope you’ll find a lot of other cool printables on this blog to compensate your disappointment.įor those who’d still like to try, here’s my personal experience and tips on printing borderless inserts for A5 planner inserts. Or it’s possible you find the process too complicated for your taste. While I’m sharing this free printable with you, I’d like to “warn” you first that depending on your printer it’s possible that you may struggle a little bit to get the same end result as I did. How to print borderless A5 planner inserts? Please, keep on reading until the end to see how to print and use this printable to master the borderless look!ĪLSO READ: 11 Free Printable Health and Fitness Planner Stickers & Inserts I hope you’ll find this insert functional! Of course, cute veggies (and the donut sprinkles) are there to brighten up the path to better eating habits! My husband is the cook at home, so I personnaly use this insert more as a food log and leave all the meal planning to him. For each day of the week you get a little tab with 4 spaces: Breakfast, Lunch, Dinner, Snack. After getting married this last April and taking it easy for a few months, we’ve decided to get back into more positive habits (paleo+a bit of exercise)! So, there might be a few more “healthy” related freebies to be published on this blog!hahaĪnd here’s the first one: this planner insert can be used either as a food log or as a meal planner! In order to keep it suitable for both types of use, I just added the title “meals”. New Year often rhymes with new healthy habits! Or at least it’s me and my husband’s case this year. ![]() ![]() ![]() Whereas a common understanding of these rights and freedoms is of the greatest importance for the full realization of this pledge, Whereas Member States have pledged themselves to achieve, in co-operation with the United Nations, the promotion of universal respect for and observance of human rights and fundamental freedoms, Whereas the peoples of the United Nations have in the Charter reaffirmed their faith in fundamental human rights, in the dignity and worth of the human person and in the equal rights of men and women and have determined to promote social progress and better standards of life in larger freedom, Whereas it is essential to promote the development of friendly relations between nations, ![]() Whereas it is essential, if man is not to be compelled to have recourse, as a last resort, to rebellion against tyranny and oppression, that human rights should be protected by the rule of law, Whereas disregard and contempt for human rights have resulted in barbarous acts which have outraged the conscience of mankind, and the advent of a world in which human beings shall enjoy freedom of speech and belief and freedom from fear and want has been proclaimed as the highest aspiration of the common people, Whereas recognition of the inherent dignity and of the equal and inalienable rights of all members of the human family is the foundation of freedom, justice and peace in the world, It sets out, for the first time, fundamental human rights to be universally protected and it has been translated into over 500 languages. The UDHR is widely recognized as having inspired, and paved the way for, the adoption of more than seventy human rights treaties, applied today on a permanent basis at global and regional levels (all containing references to it in their preambles). Drafted by representatives with different legal and cultural backgrounds from all regions of the world, the Declaration was proclaimed by the United Nations General Assembly in Paris on 10 December 1948 ( General Assembly resolution 217 A) as a common standard of achievements for all peoples and all nations. The Universal Declaration of Human Rights (UDHR) is a milestone document in the history of human rights. ![]() ![]() ![]() As you can see, it is just made up of individual pieces, that when combined, create the roaring lion.Īs mentioned, the advantage of vector images is that you can modify the shapes that make up the image, delete the pieces that you don’t want and/or take different pieces of different images and combine them to create your own unique ones. ![]() Part 1: What’s a vector graphic? – 1:35īefore we get started, here’s an overview of what vector graphics are.Ī vector image or vector graphic is basically just shapes that are grouped together to create the image or graphic.įor example, the below roaring lion is an example of a vector image. I did my best to add screen shots of the effects throughout this written guide, so bear with me. I’ve also marked the different parts of this written guide with the timing of the video tutorial in case you want to jump to that section of the video to see the animated effect we are building. I’ve broken the written guide into five parts, so that you can jump around more easily if you like to. Read our how to guide to find out more.Here is a step by step written tutorial showing you how to pull this animated vector image scene off. To continue to engage your audience, you can use Participoll to find out what your audience really thinks. ![]() That’s how to create animations in Microsoft PowerPoint using both Windows and Mac devices in Microsoft 365. You can choose when you want your animation to start (on click, with previous or after previous), the duration of the animation, add a delay and choose whether you want the animation to repeat. The next tab is Timing, which does exactly what it says on the tin. In the Effect Options tab, you can change where the animation begins (top, bottom, left, right, etc), what will happen at the end of the animation and also choose a sound to play.Ĩ. If you have more than one animation applied to your object, you can reorder them here.ħ. In the Play From tab, you can see which animation you have selected. You can also click the Animation Pane button.Ħ. You can use this to customise your animation. When you’ve applied your animation, a reference number will then appear next to your object – click this to show the animations panel on the right-hand side of your screen. Click on your chosen animation to apply it to your selected object.ĥ. Hover over the animations section and click the down arrow to see more effects to choose from (shown in the screenshot below).Ĥ. This will show the animation options available for the object you’ve selected, including how you want it to appear on the slide, emphasis on the object (such as spin, transparency or teeter), and exit animations.ģ. Select the object that you want to animate.Ģ. How to create animations in PowerPoint (Mac)ġ. Finally, to see your animations in action, click the Play From button in the Animation Pane. Then, you can control the timing of your animation and see effect options.Ħ. If you have more than one animation applied, you can also reorder them here.ĥ. To customise them individually, click the down arrow next to the animation. In the Animation Pane, you’ll see a list of animations you’ve applied to your selected object. This is next to the Add Animation button (see above screenshot).Ĥ. When you have selected your animation, click on the Animation Pane button to customise your animation. Click an animation to apply it to your selected object.ģ. Click on the down arrow next to them to see all the options available.Īlternatively, you can also click the Add Animation button and choose your animation from there. In the Animations tab, you’ll see a row of animations (shown as stars) you can use. First, select the object that you want to animate in your presentation and click on the Animations tab. How to create animations in PowerPoint (Windows)ġ. If you’re using animations in PowerPoint as well as Participoll, please ensure you reorder your animations to put Participoll at the end of the sequence. Important: Participoll uses animations to run effectively. In this blog we’ll explain how to create animations in Microsoft PowerPoint using both Windows and Mac devices. You can animate text, shapes, pictures, tables and more. Making your PowerPoint presentation visually engaging is important to keep your audience interested in your slides. ![]() |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |