This All-Female HBS Team Just Launched a Line of Luxury Skincare Products

Take a peek in your bathroom and count how many products you use for grooming. Now, how many of those products have ingredients that you can list off the top of your head? I honestly couldn’t think of one if you paid me.

We know so little about what we use to keep ourselves looking spiffy. Jessica Assaf, an MBA candidate at Harvard Business School, picked up on that at an earlier age. The longtime activist for safe, healthy beauty products has teamed up with some of her superstar classmates at HBS - Enke Bashllari and Katie Power - to bring consumers the most effective, luxurious skin treatments out there with a new brand called RAW Is Everything. And it’s all from nature.

When Assaf was 15, she - like most girls that age - started to play with makeup and become more interested in beauty. But it took little time for her to notice that many of the most marketed cosmetic products available were full of chemicals that did more harm than help.

“I realized through my own research that most ingredients in beauty products weren’t safe,” Assaf told me. “The FDA doesn’t require pre-market testing or approvals before products hit the shelves. So many ingredients have been linked to cancer, reproductive harm and neurotoxicity. That really scared me.”

“It’s an intimate thing to be rubbing something on skin and not knowing what’s in it,” she continued. “It became part of my identity to educate consumers about what they were using and, at the same time, promote safe alternatives.”

Since then, Assaf has been heavily involved in the cosmetics industry and activism, advocating consumer awareness about what exactly is in their favorite beauty products. She started a blog with Alexis Krauss called Beauty Lies Truth to spread the word about cosmetic safety concerns and potential alternatives, and it’s been going strong for nearly two years.

Those efforts were all well and good, but when Assaf came to Harvard Business School, she met equally as powerful female peers and that’s when the real movement started. As she put it, “When I started business school, I realized that I don’t have to spend all of my energy talking about the problem when I can help fix it.”

So Assaf teamed up with Bashllari - who has her PhD from Columbia University Medical Center and who invests in health and wellness companies - and Power - who’s a branding and marketing wizard. These women set off to do thorough research into which natural components were the most effective, safest means of treating common skin concerns that affect women. It took more than a year to examine and test different components, but they’ve pinpointed several potent oils that have been some of world’s best kept beauty secrets for centuries.

Currently, all of the products can be purchased on the startup’s site. But, soon enough, the line will be launching exclusively in luxury retailer Bluemercury’s stores throughout Boston and New York City. By that time, RAW - which has been bootstrapping since its inception - is hoping to position itself for raising a round of funding and the then-graduates will be dedicating themselves full-time to the venture.This female power team launched its RAW line a matter of days ago, and it’s already packing orders. It consists of four, single-ingredient products that range in price from $45 to $55, including its Age-Defying Concentrate (rosehip oil), Facial Moisturizer (passionfruit seed oil), Antioxidant Treatment (raspberry seed oil) and Clear-Skin Treatment (tanamu oil). The products are all sustainably sourced, unrefined and cold-pressed to ensure these oils retain their integrity, safety and efficacy.

The RAW ladies are also planning on getting out in the Boston community, staging pop-ups to start a dialog with women about their skincare, what they should be using and why they should be wary of the products pumped out by major retailers. Assaf explained that:

They scare you into thinking you have a problem that you don’t have. So much of the beauty industry focuses on short-term results, but no one thinks about long-term effects. Beauty is superficial so it’s easy to let people think that science can do it better. But there are even more effective, natural ingredients that have been used for hundreds of years. You don’t need invented ingredients. There’s a general trend of going back to the way things used to be, and I think that’s here to stay.

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Despite What Sheryl Sandberg Says, MBAs Still Matter

Facebook’s COO and, ironically enough, Harvard Business School alumna - has also voiced that MBAs are superfluous in tech. In a post on Quora last December, Sandberg had apparently written, “While I got great value from my experience, MBAs are not necessary at Facebook and I don’t believe they are important for working in the tech industry."

As these high-profile entrepreneurs have sworn off hiring MBAs, business school grads might be having the last laugh. Perhaps while PayPal’s Thiel views MBAs as sheep-like and having “herd-like thinking and behavior,” B-School grads may actually be more majestic than that: Unicorns.

According to analysis from NextView Ventures, 1 in 4 Unicorns has at least one founder who has an MBA. To be more specific, there are 63 MBA founders among the 157 Unicorns out there, which shows that some Unicorns have multiple founders with business school background.

Among all of the MBA programs molding Unicorn founders, Sandberg’s (as in the same Sandberg that said you don’t need a business degree to succeed in tech) alma mater, HBS, has been the most significant contributor, which could be due to the university’s large class sizes. There are 14 Unicorns that have HBS alumni as founders. That figure is followed by Stanford GSB’s contribution to the Unicorn realm - 8 companies with alumni - as well as Wharton and INSEAD (in France) with 5 startups started by grads.

So while the startup space can be more accessible to people without business degrees, it wouldn’t be fair to say that MBAs are completely useless. With the vast majority of ventures failing, having an MBA presence at 1 in 4 Unicorns - startups that are crushing it - might not be a coincidence. Anyone may be able to start a company nowadays, but it could take the business school touch to make a company successful.

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Business Loans

Since the global economic crash in 2008, lending standards have come under scrutiny as our government sought to make lenders more responsible. Until late 2013 this was making it hard for businesses (particularly small and medium sized businesses) to find a business loan. However things are much easier now and there are lenders out there that will lend money to eligible businesses.

Who will lend businesses money?

When you start your research you’ll find that there are no shortage of lending institutions out there. We strongly recommend that you do your homework and understand what good practice looks like in the world of business loans. Once you know what criteria you should be assessing a potential lender against, you’ll be on your way to finding a reputable lender whose credit terms are fairly structured and comply with government guidelines.

How much can a business borrow?

Business financing can be almost limitless for the right business with the right plan and right financial history. If you are just starting out or an established small business you’ll likely be looking for a more modest loan. The same principles will apply though and depending on how much you are asking to borrow and how established your business is, you will be asked for a fairly significant number of documents relating to your business.

What kind of documents could I be asked to produce?

If you have been in business a few years you will be asked for the following kinds of business documents:

• A copy of your lease agreement
• Complete business tax returns (for the last 3 years if available)
• Personal tax returns (for the last 2 years)
• Your business license
• Your partnership agreement (if applicable)
• Articles of incorporation
• Your operating agreement
• Interim balance sheet with a profit and loss statement
• Year end balance sheet with a profit and loss statement
• A business plan including projections for the year ahead & all expected operating expenses

What kind of loan can I get?

That will very much depend on your circumstances personally and business wise. A bank may ask you to secure your loan with collateral and that could be anything from cash to your company’s physical assets. Since the crash of 2008 there has been a significant increase in the number of business loans that are secured by collateral.

I am a small business owner are there any organisations that can help me specifically?

The government agency the Small Business Administration protects and oversees the interests of small businesses. Though it does not lend money to small businesses, it does provide some security to lenders that do. You will find lenders out there using the SBA in their marketing messaging - think of it as protection for you and protection for the lender. Any lender working with the SBA will lend to you only if you are creditworthy. The terms of the loans will be fair and the loan will be structured to meet government guidelines. If you are a small business looking to borrow up to $1 million, we definitely recommend looking for loans that are extended as part of the SBA program.

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Debt Management

What is debt management?

Debt management is all about proactively managing the debt you have. If your debt has gotten a little out of hand, you will want to start managing your debt before your lenders call in debt collectors.

What steps should I take to manage my debt?

You can choose two different paths. You can choose to manage the debt yourself by talking to all of your lenders about your circumstances and working out a plan with them. Or you could talk to a debt management expert.

What are the benefits of managing the debt myself?

If you manage the debt yourself, you know that there will be no further expenses associated with the process. A good place to start is to take a shot at creating a monthly budget. You’ll know how much you can afford to pay in monthly repayments and that will help you when you are talking to your lenders.

What are the benefits of consulting a debt management expert?

A debt management expert will take a look at your existing debt and help you with a monthly budget. They will also actively find ways to reduce your monthly payments. However, it is very important that you find a certified expert. Do not assume that everyone in this field has your best interests at heart, even if they are employed by nonprofit organizations. A local consumer protection agency should be able to recommend reputable debt management counselors.

What can I expect?

It is always cheaper for a lender to have someone paying back what they owe than someone who seeks bankruptcy. You’ll find that lenders will try to be accommodating in helping you with your debt problems. There may be times when they simply can’t help because you can’t meet their minimum payment criteria, but if you have a regular income then they will try and help. If you choose to consult a debt management expert you should expect some very practical advice to help you manage your money as well as some proactive assistance with your lenders. They will take into account all of the information you have provided and work with you to make your life, financially speaking, far more comfortable and manageable.

What would a good result be?

A good result would be that you do not lose any of your possessions, whilst your monthly payments are significantly reduced to ensure you can keep up with your monthly commitments.

Is there anything that I need to be careful of?

As we have already mentioned, make sure you find a reputable debt management expert to work with. Also, be aware that any debt that you renegotiate will have different repayment terms. This could mean that though your monthly repayments are more manageable now, in the long run, you end up paying far more for the credit line.

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Personal Loans

A personal loan is a loan that a financial institution (usually a bank) will make to you for a fixed period of time. The loan can be secured or unsecured.

Why take a loan and not use a credit card?

To protect your credit score you should not use more than 30% of your available balance on your credit cards and some experts even recommend using no more than 10%. With this in mind if you need a loan for a significant amount and do not want to affect your credit score organizing a personal loan is going to be a better option for your credit score.

How much can I borrow?

Much will depend on your income and your credit history. It’s important to provide accurate information when you complete your loan application since the lender can check your story against the records held by America’s 3 credit agencies. (Besides providing false information is considered fraud). Banks will loan generally loan anything from a few thousand Dollars up to $100,000.

What are the benefits of taking a personal loan?

If your loan is unsecured there are no upfront fees for taking a loan. The bank or lender make their money from the interest you pay them over the life of the loan. With this kind of loan, you can secure a fixed interest rate for the life of the loan. This means there is no risk of your monthly payment increasing if interest rates start to rise.

What advantage would there be to taking a secured personal loan?

A secured personal loan is a loan where you put up something that you own as security for the bank or lender. The advantage of offering the bank or lender security is that your annual percentage rate (effectively how much you pay the lender each year for the privilege of the loan) will be lower. However, it also means that if you are unable to make the monthly loan repayments, that the bank will take whatever security you have offered. We only recommend this kind of loan if you know that you can make the monthly repayments for the life of the loan without any problem.

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Reevaluating your small business’ group life insurance plan

Better rates are generally given to larger employers because of the amount they collect in premium, versus that of smaller employers who don’t collect as much. Tiered life insurance policies also typically remain with larger employees, due to the fact that they are better able to afford them. Regardless of the size of your company, it is important to reevaluate your group insurance plan regularly.

A group life insurance plan should be reevaluated and reassessed when your company grows significantly, hires executives with larger salaries, increases in number of employees, the demographics of the employee population changes, or when it improves previously offered benefits. By checking back with your broker as your business grows, you may be eligible for a lower life insurance rate.

When looking for a new or different insurance plan, there are a few different options that an employer can look towards. The first and most basic life insurance plan typically covers one year’s worth of salary. The next step up would be to expand your benefits with a plan, such as a group universal life insurance plan, which can offer two to three times an employee’s salary, as well as offering a portability feature which allows the employee to remain covered after they leave or retire. A group universal life insurance helps build cash towards future premiums, but is generally offered by companies with over 1000 employees, because the cash value account must be individually managed. Also, the employees are permitted to pay in as much, or as little, as they want.

The classification of the employee is also a determining factor when thinking about separate group life insurance plans. For example, an employer may choose to do a flat death benefit payout for certain workers, where as those who hold higher positions (i.e. managers, supervisors, etc.) receive benefits equal to one to three times their salaries.

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The Different Types of Business Insurance That Are Available

If you’re a small business owner, one of the most important considerations that you have to make will deal with the type of insurance that you offer to your employees. Not only will there be situations where you cannot or should not offer coverage, but it’s also important to keep in mind that you cannot reimburse for individual health plans. There are a number of different types of business insurance that are available for you to choose from depending on your needs.

Business Health Insurance 

No two employees are created equally – this is never more true than it is when you begin to take their health into consideration. Each employee (and their respective family members) will have their own unique considerations, which is why it is important to NOT opt for a “one size fits all” plan from your provider. Instead, engage your employees and take their feedback into consideration. Try to find a plan that you can custom design to fit the needs of the group, instead of trying to force the needs of the group to work within the confines of the plan that you’ve selected after the fact.

Health Savings Accounts

One type of business insurance that has become increasingly popular over the last two decades is the health savings account, or HSA. For individuals who are enrolled in an HDHP, or “high deductible health plan,” they can open a medical savings account with a number of tax advantages that they wouldn’t get from other types of plans. Deposits into the account can be made by either the employee in question or by the employer and can be made on a pre-tax basis. The money in the account is then to be used to pay for things like medical bills and other unforeseen expenses related to their health. One of the primary advantages is that the money continues to roll over each year and does not “expire” in the event that it goes unused for any specific period of time.

If you run a small business with two to 20 employees and are looking for the best and most cost effective business insurance plans around, please call Bernardini & Donovan Insurance Services today for more information. We’ll help cut through all of the confusion and unnecessary information so that you can have the peace of mind that comes with knowing that your employees are well protected in the event that something unfortunate should unexpectedly happen.

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2016 $50 Gold American Buffalo PF70

The Gold American Buffalo coin owes its existence to the Presidential $1 Coin Act of 2005. 

The U.S. Mint began producing the coins in 2006, marking the first time the Mint ever made a 24 karat gold coin (.9999 fine). 

Each year, the U.S. Mint produces circulating bullion versions of the coin, plus a limited number of ""Proof"" coins, known for their mirror-like finish and exceptional quality. 

A small number of these proof coins achieves a perfect score of Proof 70, the highest possible grade, awarded by NGC . 

The demand for coins like this tends to drive the price up fast in the years following the release! Every Gold Buffalo Proof 70 coin minted between 2006 and 2014 is up substantially from its initial offering price. 

This is the chance to acquire the 2015 version of this coin at the IPO price, before it hits the secondary market and starts going up. It's unlikely that our price of this coin will ever be this low again.

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$50 Gold American Buffalo - 1 Troy oz Gold Coin - (BU)

Description

The Gold American Buffalo coin was the first .9999 fine 24 karat gold coins ever struck by the United States Mint. These coins are minted to give investors a chance to grab hold on to legal tender produced by direct decree of the United States government.

The design of the American Buffalo gold bullion coin is a modified version of James Earle Fraser's design for the Indian Head nickel (Type 1), issued in early 1913. After a raised mound of dirt below the animal on the reverse was reduced, the Type 2 variation continued to be minted for the rest of 1913 and every year until 1938, except for 1922, 1932, and 1933 when no nickels were struck.

The obverse (front) of the coin depicts a Native American, whom Fraser said he created as a mixture of the features of three chiefs from different American Indian tribes, Big Tree, Iron Tail, and Two Moons. The obverse also shows the motto "LIBERTY" on the top right, the year of mintage on the bottom left, and below that the letter F for Fraser.

The reverse (back) of the coin stands an American Bison, which commonly are referred to as buffalo. The animal depicted on the reverse is believed by most to be the bison named Black Diamond, who lived in the New York City Central Park Zoo during the 1910s.

Each coin contains 1 oz of pure 24 karat gold. They are legal tender with content and purity guaranteed by the U.S. Government. Fulfillment is based on availability. Specific years are not guaranteed. All coins are in Brilliant Uncirculated condition. Coins will be shipped in original mint packaging based on availability, but not guaranteed.

Details

Net Weight	Diameter	Thickness	Fineness	Face Value	Year
1 Troy oz	32.7 mm	2.95 mm	.9999	$50	Random

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Auto Insurance Quote

Low price machine insurance quote can facilitate individuals to to scale back their driving bill significantly. Auto insurance area unit sometimes the key expense for the range of the individuals, especially to those with the little earning. By reducing quotes which you receive for the forth returning policy you shall have likelihood to get improve your money things significantly. If you ever want to recognize concerning a way to get low cost machine insurance quote & save of the money on automobile insurance renewal then the continue reading. First of all, you  will need for determinant simply the issue your want were. 

Do you want detail insurance or the essential insurance coverage. In the United state you may be require by the state law to urge the liability cowl, you need no fault insurances coverage and additionally you may would like to own the legalized defense, medical bill covers, windshield defense & break down insurance coverage embody within your quotations. When you have gotten created call for what insurance you would possibly such as you can got to decide concerning best manner for obtaining some quotation. You might visit native insurance agents, contact various firms at intervals phone or to begin your investigation by victimization automobile insurance coverage's comparison web site.

How To Get low cost machine Insurance Quote

It was usually for visiting the machine insurance quote scrutiny the web site. These websites were typically deal with the acknowledge & reliable major automobile insurance firms. Start by creating the applications through web site you may be eligible for the extra reduction on the value of insurance. A lots of the insurance firms mechanically offers discount to on-line customer. The car insurance market place was competitive one & immense insurance firms keep to try to to  the company in conjunction with you or anyone. They could turn out lots of the business off their web site & will pass the price saving on to you. You haven’t dismiss idea of paying out individual by visiting regional insurance agents. Your local insurance brokers may have a a lot of data handy concerning best give you might purchase. 

You will pay cash for the help via commission that the insurance broker shall continually create whenever you receive insurance from them. If  the auto insurance quote area unit less than any that you just might are provide on-line then you shall but be within the profit. In case you'd feel that you just would love far more information concerning any of the low priced automobile insurance quotation that you just are provided on net, you must decision up business organization. Their distributor could have the talents to supply you with provide that wasn't promoted wide on net websites. So low cost machine insurance quotes might apply these three approach. You shall have capacity to use machine insurance quote comparison websites, come up with the individual visit to the specialist or receive the quotation by the phone. Because you may be wanting for get of the foremost effective probable deals, it is often higher to use all of the 3 approaches right before creating the selections.

Steps To Find & opt for a automobile insurance Quote

1. Use Online Referral Service: Nowadays, online referral services like Net Quote was, hands down, the best way for locating automobile insurance quote. You do all legwork from comfort & convenience of your own homes. It took only few minute to submit for associate degree on-line request, leaving you with the further time & patience to contemplate policy detail & price estimate. Our database of the license underwriter permit to dependably comparison search among-st solely well-thought-of company and finally on-line referral service shall on the average, lower the cost of ensuing policy not solely by the making a extremely competitive setting for business, but additionally by the lowering the overhead price for the underwriter themselves.

2. Do not be Coy: Always offer correct data: Many of the individuals feel apprehensive concerning causing personal data through net, no matter innocuous that the knowledge could seem. Without that data, however, you can not hope to urge correct estimate for machine insurance quote and honestly most of the net referral service don't invite personal data that wasn’t already accessible to the foremost enterprising firms. The one exception to that rule was your email address. Even after you have created final judgment concerning policy, auto underwriter might continue to the bombard your email address with the knowledge & promotional provide. To avoid those outcome, you might suppose the quickly fitting contemporary email address specifically to handle finding & selecting your next machine insurance quote.

3. Play the Field & Play it Quick & Dirty: In spite of the knowing better & with opposite intention, many client were willing to sign off on initial machine insurance quote that sound cheap. Often time, this goes back to exasperation of the recent interaction with auto dealer. Yet, talking to the each sales from few the machine underwriter for the twenty minute wasn't a good to buy for ensuing policy, either. When you initial begin your search, try to get in & out as quickly as attainable. Hit salient point of the premium price, deductible level, things that were covered/not covered & profit cap. Then, move on to next insurer. This was the only thanks to make certain you're not passing up best deal while not disbursal hour & hour of some time.

4. Review Choices & raise instructive  Question: Once you have got your time to take a seat down with information you have gathered from the machine insurance quote & provide that were created, you must be able to pare competition to the 2 or 3 best decisions. But there’s additionally some smart likelihood that you’ll have one or 2 instructive  question that you are desperate to raise before creating final selections. Go ahead & call or email sales & agent with these question. Be sure you recognize precisely what was & isn’t on the table & make certain your feeling snug with the selection. If something was still shrewish out you, that’s good sign that you still don't have all relevant data.

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Auto Insurance

Discovering the low price of the motor vehicle Insurance quote will be wisest approach for moving forward once the sorting out the low cost motor vehicle insurance program. The car insurance business was sensible difficult areas with the rule that changes from the region to region & few cool condition or invisible special discount that may be extremely tough for locating while not the assistance of specialist. The cheap autoinsurance brokers or the agent shall assist you to seek out your far more than labyrinth of the automobile insurance industries, including the helping you for preventing any mistake & helping you to establish lowest value automobile insurance supply that may utterly satisfy the requirement and together with your budgets.

There’re few organization of the people that could gain blessings from the support of low price automobile quotation broker or web site larger than the opposite drivers. For the example, low value automobile agent would possibly facilitate to discover lowest price motor vehicle insurance quotes for anyone United Nations agency would sometimes want for paying much more as new automobile owner, drivers with the previous prosecution, owner of personalize vehicle or the vintage automobile & therefore on & help to the discover scale back value for those United Nations agency were eligible for discount rate  for senior automobile owner, college student with the high touchstone, automobile owner with the wonderful driving car record, female automobile owner & therefore on. Do not get discouraged if you're unsatisfied with the quotations that you were receiving until currently. Great automobile insurance quotation shall assist you for the discover all of discount rate that you simply may get & scale back your premium rate.

One typical misfortune was joining the stripped-down rank corporation merely as a result of they shall provid it within the low cost motor vehicle insurance quotation & with no viewing the money upbeat. What outstanding shall your insurance policy be if the insurance underwriter ceases to essentially exist before you set first claim? a web manual or guide would possibly assist you to seek out some low cost motor vehicle insurance quotation from corporation that's economically stable & give outstanding consumer service & handle claim quickly & dependably. An organization should give discount rate & give program at the affordable price. Moreover, there is lot of organization United Nations agency concentrate on the assorted space & conjointly your advisor would assist you finding company that was associate degree professional on the “your niche” to induce high supply & extra discount rate.

Professional shall purpose out things to look at out for insurance supplier & give you with the tip. A trustworthy  & honourable advisor was undoubtedly most trusted & the simplest method for obtaining a budget automobile insurance rate for the highest price.

Finding superior car insurance assistant can be the best methodology to proceed trying into a budget motor vehicle insurance quotes. The car insurance business was fairly difficult areas, with the rules that changes from the region to region & few cool condition or invisible discount rates which can be very tough to seek out with no helps for a budget automobile insurance quotation, typically some kind of professional. A cheap automobile insurance skilled may assist you discover path throughout labyrinth of motor vehicle insurance business that embrace helping you for stop any error & helping you to induce best probable supply that might utterly satisfy your want & your fund. There were several organization of the those that may benefit from support of your advisor larger than alternative vehicle owner. For example, broker may facilitate you to seek out cheaper value for anyone United Nations agency would wish to pay way more new driver, car owner with the earlier conviction, owners of the personalise autos or retro automobile & therefore on & help to realize scale back value for those that were entitle to any rate reduction senior automobile owner, scholar with the high gpa’s, car owner with the wonderful driving record, women automobile owner & therefore on.

Review of Auto Insurance

Assuming you have flip on your tele within the past year or ten, you have probably detected the State Farm claim to be “good neighbor” to it’s consumer. It’s the starkly different approach from the rivals. Most of the auto insurers tend to focus on the raw saving because the point, yet the State Farm direct attention to service finish of the equation. Aaron Rodgers & devilishly unforgettable jingle work surprise for the promoting, but what extremely set it a elements from competition? It is hang for treating the consumer like actual human as opposition range.

Part of the State Farm’s equation for the success was transparency it applies to discount of motor vehicle insurance. Its agent were known for the proactively going through the obtainable discount with the client to get rid of pressures from client. Many of the most formidable competition don't seem to be as desirous to illuminate that the discount exist, leaving it to consumer to place in analysis sooner than career. It offer up to fifteen take off if you're young driver & you're taking the Steer Clear course.

Another critical discriminator was its call to build the obtainable face to face agent within the world wherever personal interactions was being deemphasized to chop price. On surface, that may look like insignificant perk. In event of accident, dealing with the agent a true, local individual with the vest interest in creating you the whole was associate degree appreciated further. Fletcher Wilson, then independent agent with over fifteen years of expertise in agreement on importance of the individual agent.

Impersonal call center were adequate for handling easy sale group action however once you were in unfortunate position for having to file claim thanks to accident, tolerance for such thing drop sharply. I consult with the another expert United Nations agency sold  insurance domestically for over decade. He preferred to stay unidentified for article thanks to the consumer sensitivities. He also emphasize importance of the native, accessible agent which set State Farm apart from alternative massive firms.

State Farm is financial standing was remarkably robust due to mutual insurance underwriter. It is policy holder own company, not share holder. For those unaware of difference, it is important to know State Farm wasn't listed on any stocks market thanks to that, it is not under the standard barrage of the Wall Street pressures most notably, pressure to perpetually increase its profits. It holds 18.37% of overall markets, making it largest supplier of the motor vehicle insurance in United State. So, you should feel the bound that State Farm has take advantage its coffer to back it’s promise.

State Farm claim to act like the good neighbor, treat you with the respect & keep premium low. While no firm was while not flaw, I have found that State Farm follow through as rule & make a habit of siding with client. There were many firms that provides saving like those you may realize at the State Farm however no national rival match its client services in motor vehicle insurance.

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US election 2016: Trump sweeps all five US states

Donald Trump has won presidential primaries in all five US states that voted on Tuesday, while Hillary Clinton triumphed in four out of five.

Mr Trump called himself the Republican "presumptive nominee" after victories in Connecticut, Delaware, Maryland, Pennsylvania and Rhode Island.

The results bring him closer to the number of delegates he needs before the party's national convention in July.

For the Democrats, Mrs Clinton was denied a clean sweep by Bernie Sanders.

The Vermont senator won in Rhode Island and vowed to fight to the end of the primaries process.

Speaking at Philadelphia Convention Center after securing the four other states, Mrs Clinton said her campaign was setting "bold, progressive goals" to improve lives in the US.

"We believe in the goodness of our people and the greatness of our nation," she said.

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RADCLIFFE FELLOW ZZ PACKER CLOSES IN ON FOLLOW-UP TO CELEBRATED DEBUT

 Rose Lincoln

As the saying goes, “From those to whom much is given, much is expected.” For more than a decade, much has been expected from ZZ Packer, the gifted writer whose breakout story collection left critics and fans wanting more.

“I don’t think I can remember where I last encountered a debut collection that so justified its existence, that buzzed with so much credibility and attitude,” read one review of “Drinking Coffee Elsewhere” (2003), eight stories that vividly capture the complicated rhythms of contemporary American life.

The wait for a follow-up may soon be over. As the Lillian Gollay Knafel Fellow at the Radcliffe Institute for Advanced Study, Packer is working on a sweeping novel titled “The Thousands” that follows the lives of several families from the end of the Civil War through the American Indian campaigns in the Southwest. The author is unfazed by the extended lead-up to her sophomore effort, except when pressed by her publishers. “The longer they wait,” she said, “the better they expect it to be.”

But good writing takes time, noted Packer, 42, during an interview in her Radcliffe office, and life can get complicated. Since starting work on “The Thousands” she has married, divorced, had two children, and struggled through custody battles and six moves, including two cross-country treks. (Also in the mix: a spot on The New Yorker’s list of the country’s top young writers.) The novel’s narrative has changed, too, with Packer throwing “hundreds of pages away” to arrive at the right place.

“Your conception of something can change so completely, but you can still be writing the same thing,” she said.

Packer’s original narrative focused on buffalo soldiers, regiments of African-American men who served west of the Mississippi River following the Civil War. The idea sprang from talks with her grandmother, the daughter of a Southern sharecropper who moved the family north in search of a different life. “The wandering mind part of me just began thinking about those that didn’t go north the way that everybody else did,” she said. “I wondered, ‘What about the ones who went west?’”

But as she delved deeper, she gravitated toward a broader exploration of Reconstruction and “what happened in America during this time period, and what happened with African-Americans that led us to how we are now.” From the outset it was clear that “The Thousands” required a “bigger treatment” than the short story could provide.

“The feeling of a novel is of having lived this life, or a life,” Packer said. “I like that the novel can do that as a form.”

To capture that sense of time and place Packer logged long hours at the National Archives in Washington, researching how sugar-cane production drove labor in the South (her protagonist works in a Louisiana cane field) and developing a period-specific perspective on challenges for the hearing-impaired (another main character is deaf). Books such as “Bad Hand: A Biography of General Ranald S. Mackenzie” and “The Military and United States Indian Policy, 1865-1903” rest on her desk at Radcliffe.

But the work has been as much a personal as a historical journey for Packer, who always hopes to learn something about herself when building complexity into her characters. “In a sense, it’s my way of understanding my own weaknesses and foibles and how not to repeat them.”

She is frank about getting stuck. To work through a recent creative dry spell, Packer drafted a flow chart that included descriptions of her different types of writer’s block and practical ways forward. “This is actually me doing something to get out of it,” she laughed, pointing to the intricate diagram on her computer screen.

Another resource is her vast collection of books.

“I’ll wonder sometimes just how writers do certain things. It’s like a little note in your mind to go back to look at what they’re doing, what they did well that produced that feeling in you.”

Joyce, Melville, and Shakespeare all have their “stylistic tics,” Packer said, and their pages offer up new things that each “brought to the form.” She reaches for Toni Morrison’s “Beloved” when “just trying to see what the language can do.” She will thumb through works by Malcolm Gladwell looking for “a sentence that’s universal.” Colson Whitehead’s writing “looks new” she said, “but has a sort of noir component.”

Growing up in Atlanta, Packer fell in love with words during her daily trips to the local library with her mother. Coming-of-age stories by Judy Blume, the sleuthing of “Harriet the Spy,” and young-adult novels by S.E. Hinton were among her favorites. In high school she read “whatever there was.” Her passion for writing and reading developed in tandem — when she wasn’t reading, she was scribbling down snippets of stories, plays, and poems.

“I’d always loved writing because I’d loved reading. I think people who are readers are inevitably interested in how it’s all put together, what literature is and how it works.”

She learned an important lesson about how it works during a reading before high school classmates. The story was “melodramatic and overblown,” remembered Packer, but it also resonated with her teenage audience and introduced her to the power of making people “feel something” with her words. “I think that that’s the kind of thing that isn’t emphasized enough when younger writers begin to write.”

As an undergraduate at Yale, Packer opted for literature over engineering and spent much of her time at a local bookstore, scanning the shelves and reading as much as she could. “That was where I first read Updike. I liked the visual quality of being able to see all these fiction titles and their covers … luckily they didn’t kick me out.” She did graduate work at Johns Hopkins University and the Iowa Writers’ Workshop, and later became a Stegner Fellow at Stanford University. But even after years as a successful writer and teacher, Packer hesitates to endorse the profession.

“In a way it requires an obsessiveness that’s not going to be taught. And that obsessiveness of trying to figure out how to be a better writer is not a very good thing to recommend to people.”

Still, on a recent afternoon Packer engaged with students from across the University who had signed up for a luncheon and a chance to ask the author about the work that has become her life. Great writers, those who craft vivid, believable characters and prose, are great observers of human behavior, said Packer. She encouraged her listeners to experiment with different forms, to hone their styles by reading and writing as much as possible, and to be prepared for success to take time.

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Need Instant Approval Online Payday Loans?

We provide access to payday loans to people who desperately need hassle free cash as soon as possible. Turning to a traditional lender like a bank can be very stressful, and things aren't always finalized for days, leaving you in a tough spot if you're in an emergency. At Get Loans Now we utilize a fast an efficient online platform, which can allow you to obtain money in as fast as 1 business day!

We will not ask you irrelevant and long winded questions like other websites when you use our loan request form. We get straight to the point, passing your information through the network within minutes. This is the perfect solution if you find yourself in a temporary financial struggle, such as needing to cover an unexpected bill or pay for car repairs, when your pay check isn't for another few weeks.

Everything is completely easily online with no need for face to face meetings.Your request will be considered even if you have bad credit! This is only one factor that determines lender approval, your current income and circumstances also play a large role.

But why a payday loan online?

Unlike personal loans from the bank or other large lender, the process is fast, there's usually no face to face or phone conversation, and online approval is one of the quickest options out there. We have years of experience helping those in need gain access to emergency funds, and we understand that in such a stressful time borrowers need simplicity and peace of mind. Our platform can be accessed form the comfort of your own home using any internet connected device!

Why Select Us?

We have been at the forefront of the payday loan industry for several years, and we know exactly what borrowers like you require. Once you have submitted your information and we have connected you with a lender from the network, you can expect approval in as fast as 5 minutes, and once you digitally sign the agreement the cash is yours in as fast as 24 hours!

No false promises!

People are often skeptical when they hear about how easy it is to get a payday loan online because there are so many horror stories out there. While there are some unscrupulous services that are not honest with their users, proper payday loans are completely legal in the United States and their terms are governed by state law.

We never make false promises and the lenders in our network always adhere to the rules and regulations.

Many websites claim to offer no credit check, no faxing of documents, and even instant approval. This is not possible, and if you see this it's probably too good to be true. All lenders reserve the right to pull your credit history, though it may not be from the big three bureaus and it doesn't mean you will be rejected if you have bad credit. Likewise lenders might also seek further verification through the faxing or uploading of documents, but this isn't a tedious process like it can be with the banks. In a lot of cases you can be approved in as fast as 5 minutes.

Rest assured that if you use our platform, everything will be completed as fast as possible.

Our main benefits:

No waiting around. Lenders will start the deposit process as soon as possible, with most people seeing funds in their account by the next weekday morning.

Those with bad credit are often still approved, because other factors (such as your employment and income) play a more important role for short term loans.

While we cannot say there is no faxing, you will only be asked for extra paperwork if the lender requires further verification. This is still much faster than at the bank.

Security. We use all the latest encryption technology to ensure your data is secure when passing through the system. We will never give you information to third parties.

Is a payday loan for me?

Despite being short term commitment (usually no longer than 2 weeks) for amounts usually no more than $1,000, payday loans are still an important endeavour that cannot be taken lightly. Before getting started it is important to honestly assess your current situation and determine whether a payday loan is right for you, because failing to meet the obligation can be expensive and will damage your credit rating.

Are you already in debt and just looking to prolong the inevitable? Are you in stable employment with a wage that can cover the loan on the next pay day? Does borrowing from friends or family, or using a credit card make more sense? These are all questions you will need to consider.

If you aren't trying to cycle debt and you do have a stable wage, then a payday loan could be the perfect solution. Especially if you don't have credit cards and do not wish to burden friends and family.

In such a scenario we're here to help. As long as you make the repayment on time there is only one finance charge to pay. So what are you waiting for? Tap in to our network of over 100 lenders today, and fill out just one simple form!

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BEZEL BOX MINI REVIEW: JEWELRY SUBSCRIPTION BOX

Hey guys! For all of those in the USA, I hope you had a great Fourth of July! I haven't done a lot of jewelry reviews, but today I've got a new review of a monthly jewelry subscription package.

The Bezel Box Mini costs $19.97 per month, with free shipping. Each mini subscription package contains two pieces of Bezel Box's stand-out boutique jewelry. As someone who loves cute accessories but rarely has the time or effort to shop for it, I decided that this would be my perfect chance to try out some rare and unique styles!

The Bezel Box Mini was sent out via USPS first class mail with immediate tracking notification. Everything arrived in just two days, and the jewelry was packed wonderfully in a black-and-pink box, with pink wrapping tissue inside.

With the Bezel Box Mini came a card with information about the pieces inside. The pieces that I got were the Armada Pastel Bib necklace and the matching Armada Pastel Earrings.

On the back of the information card was a printed side with a quote on it. The quote on mine, in case you can't read it in the picture, says:

"Happiness is the secret to all beauty. There is no beauty without happiness."

One of my favorite things about subscription boxes is the packaging. Everything is always organized so nicely, packed as if it were a personal gift. It's like getting a specialized present in the mail once a month!

Now, onto the jewelry. The Bezel Box Mini subscription included the matching Armada Pastel necklace and earrings.

The Armada Pastel Bib necklace is gorgeous, with a bright blend of pink, green, and yellow beads and gems, along with silver and gold details. This necklace features a golden lobster clasp on the back, with an extender for adjustable length.

Bezel Box promises on its site that all of its jewelry are lead and nickel free, making it safe for skin and free from any hazardous chemicals. I've known that lead can be dangerous even in the tiniest amounts, though I never learned of the harmful side of nickel. I then read an article on Bezel Box's blog and found that nickel can cause anything from rashes and itchiness to dry patches and blisters! I guess you really do learn something new every day. (And I guess this means I have to clean through my jewelry collection...)

Aside from the lead-and-nickel-free benefit, this necklace itself already surpasses what I'd expect for a box under $20. Quality-wise, it's heavy and well-made. The chain and clasp are both very sturdy, and all the beads and jewels are attached securely.

The Armada bib necklace is a great accent piece, with its bright colors and bold design. I would'nt have thought to try out this style of jewelry on my own, so I'm really glad that this Bezel Box Mini gave me the chance to.

Needless to say, this necklace instantly brightens up any outfit. It looks great when paired with simple patterns or solid-colored tops and dresses. Here, I'm wearing the Armada Pastel Bib necklace with a white romper that I reviewed in my previous post.

Before receiving this Bezel Box Mini, I'd never really bothered to wear statement jewelry, but this necklace surprised me with how stunningly beautiful and high-quality it is!

The Bezel Box Mini offers many combinations of jewelry, including necklaces, earrings, rings, and bracelets. Mine came with the Armada Pastel Earrings, which have green gems and gold detailing to match the Armada Bib necklace.

Unfortunately, I don't have my ears pierced, so I can't wear earrings. Likewise, I'm not very experienced with reviewing the quality of earrings, but the Armada earrings seem to be very sturdy and well-made.

I love that the Bezel Box Mini paired the earrings with the necklace of the same series, which takes the hassle out of putting together a cute matching look. The earrings have a simple design, paired with a beautiful color and shiny gemstone.

Even though I couldn't wear the earrings, I'm still happy with my very first Bezel Box Mini! The quality of the items is amazing, the style is stunning, and the whole idea of getting a beautifully-packaged gift box every month is super exciting. This was a fun experience, and I'm going to be on the lookout for more cool subscription boxes!

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Online Loans No Credit Check Guaranteed Approval

Our life is full of unpredictable surprises and not all of them are pleasant. Maybe your little daughter needs to visit a dentist’s office, or you woke up this morning and realized that your basement is flooded with water. Medical bills and household repairs can be costly, and this is not something you can put off. When events occur unexpectedly, you may find yourself unable to get the money and pay all your normal bills, especially if you have bad credit and it is difficult to be approved for a bank loan. And in such a situation no credit check cash loans with guaranteed approval can be your lifebelt.

Online no credit check payday loans can relieve your financial worries

Maybe you understand that you should have set aside a little money as savings, but hindsight will not help you right now, because you need a small amount instantly, just to tide you over until your next paycheck. Online loans no credit check guaranteed approval are a quick and easy source of emergency funds - all you have to do is to choose a lender, submit an application, get the funds and repay the loan with your next paycheck. The interest rate on these loans is high, but the amount of money you borrow could not exceed $ 1,500 and the terms are short, so the actual amount you pay in interest is very affordable.

Guaranteed approval cash advances are indispensable in an emergency case, because the money you need can often be transferred to your bank account almost instantly, especially if you borrow from an online loan company. Applying for a no credit check loan over the Internet means that you can do it 24 hours a day, 7 days a week, in the comfort of your own home, making it an incredibly quick and easy process. By searching at the Internet, you can find a number of direct different lenders, enter your contact information and a list of available payday loans appears with their rates, terms and conditions.

Do you afford a guaranteed no credit check loan?

Usually, borrowers have to pay a slightly higher cost while using payday loans online. However, availing this loan can still be a smart move. The amount you can get depends on your regular income stream. The interest rate will be close to 10-35% on any amount you borrow. So, calculate the money in your budget including your next paycheck. Therefore, you can afford online loans no credit check guaranteed approval if your salary is enough to pay it back. In some cases, payday loans may be the only one option you can count on. If this is your situation, then it is advisable to learn about the payday loan providers thoroughly before taking loans from them.

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