text:
require 'ostruct'

module RSpec
  module Core
    module Subject
      module InstanceMethods

        # Returns the subject defined by the example group. The subject block is
        # only executed once per example, the result of which is cached and
        # returned by any subsequent calls to +subject+.
        #
        # If a class is passed to +describe+ and no subject is explicitly
        # declared in the example group, then +subject+ will return a new
        # instance of that class.
        #
        # == Examples
        #
        #   # explicit subject defined by the subject method
        #   describe Person do
        #     subject { Person.new(:birthdate => 19.years.ago) }
        #     it "should be eligible to vote" do
        #       subject.should be_eligible_to_vote
        #     end
        #   end
        #
        #   # implicit subject => { Person.new }
        #   describe Person do
        #     it "should be eligible to vote" do
        #       subject.should be_eligible_to_vote
        #     end
        #   end
        def subject
          if defined?(@original_subject)
            @original_subject
          else
            @original_subject = instance_eval(&self.class.subject)
          end
        end

        begin
          require 'rspec/expectations/extensions/kernel'
          alias_method :__should_for_example_group__,     :should
          alias_method :__should_not_for_example_group__, :should_not

          # When +should+ is called with no explicit receiver, the call is
          # delegated to the object returned by +subject+. Combined with
          # an implicit subject (see +subject+), this supports very concise
          # expressions.
          #
          # == Examples
          #
          #   describe Person do
          #     it { should be_eligible_to_vote }
          #   end
          def should(matcher=nil, message=nil)
            self == subject ? self.__should_for_example_group__(matcher) : subject.should(matcher,message)
          end

          # Just like +should+, +should_not+ delegates to the subject (implicit or
          # explicit) of the example group.
          #
          # == Examples
          #
          #   describe Person do
          #     it { should_not be_eligible_to_vote }
          #   end
          def should_not(matcher=nil, message=nil)
            self == subject ? self.__should_not_for_example_group__(matcher) : subject.should_not(matcher,message)
          end
        rescue LoadError
        end
      end

      module ClassMethods
        # Creates a nested example group named by the submitted +attribute+,
        # and then generates an example using the submitted block.
        #
        #   # This ...
        #   describe Array do
        #     its(:size) { should == 0 }
        #   end
        #
        #   # ... generates the same runtime structure as this:
        #   describe Array do
        #     describe "size" do
        #       it "should == 0" do
        #         subject.size.should == 0
        #       end
        #     end
        #   end
        #
        # The attribute can be a +Symbol+ or a +String+. Given a +String+
        # with dots, the result is as though you concatenated that +String+
        # onto the subject in an expression.
        #
        #   describe Person do
        #     subject do
        #       Person.new.tap do |person|
        #         person.phone_numbers << "555-1212"
        #       end
        #     end
        #
        #     its("phone_numbers.first") { should == "555-1212" }
        #   end
        #
        # When the subject is a +Hash+, you can refer to the Hash keys by
        # specifying a +Symbol+ or +String+ in an array.
        #
        #   describe "a configuration Hash" do
        #     subject do
        #       { :max_users => 3,
        #         'admin' => :all_permissions }
        #     end
        #
        #     its([:max_users]) { should == 3 }
        #     its(['admin']) { should == :all_permissions }
        #
        #     # You can still access to its regular methods this way:
        #     its(:keys) { should include(:max_users) }
        #     its(:count) { should == 2 }
        #   end
        def its(attribute, &block)
          describe(attribute) do
            example do
              self.class.class_eval do
                define_method(:subject) do
                  @_subject ||= if super().is_a?(Hash) && attribute.is_a?(Array)
                                  OpenStruct.new(super()).send(attribute.first)
                                else
                                  attribute.to_s.split('.').inject(super()) do |target, method|
                                    target.send(method)
                                  end
                                end
                end
              end
              instance_eval(&block)
            end
          end
        end

        # Defines an explicit subject for an example group which can then be the
        # implicit receiver (through delegation) of calls to +should+.
        #
        # == Examples
        #
        #   describe CheckingAccount, "with $50" do
        #     subject { CheckingAccount.new(:amount => 50, :currency => :USD) }
        #     it { should have_a_balance_of(50, :USD) }
        #     it { should_not be_overdrawn }
        #   end
        #
        # See +ExampleMethods#should+ for more information about this approach.
        def subject(&block)
          block ? @explicit_subject_block = block : explicit_subject || implicit_subject
        end

        attr_reader :explicit_subject_block # :nodoc:

        private

        def explicit_subject
          group = self
          while group.respond_to?(:explicit_subject_block)
            return group.explicit_subject_block if group.explicit_subject_block
            group = group.superclass
          end
        end

        def implicit_subject
          described = describes || description
          Class === described ? proc { described.new } : proc { described }
        end
      end

    end
  end
end


The Short North Parking Study currently proposes to make all street parking north of the 670 overpass on High St ("the Cap") and 7th Ave, east of Harrison Ave/Perry St., and west of 5th Ave, a combination of time-restricted, paid parking, plus residential permit parking. The proposal went before City Council last month, and there have been a series of open houses to get public feedback.
This is important to us, because we are considering whether to extend the same plan throughout Weinland Park.
Amanda Ford, Parking Services Coordinator with the Department of Public Service, and the sole City rep who has been heading up this project, has agreed to visit us, so that we can have a conversation within our community. This will be Ms Ford's second meeting with Weinland Park, and although we will continue to stay involved and work closely with her, this meeting is likely our last best chance for WP to be heard.
Each household would be allowed to purchase up to 2 permits for $50 each.
You would not be required to buy any permits, if, for instance you don't own a car, or have off-street parking.
Guest passes will be available.
being inundated by residents of the new apartment developments who don't want to pay extra to park in their own buildings' garages/lots.
How will student housing, typically characterized by "people packing," be parked? They are already turning their backyards into parking lots, which the Civic has historically opposed and is not supposed to be allowed by City Code. Resident, Rory Krupp is working hard to get this resolved before the permit parking would be implemented.
Apartment complexes with more than 4 units that have off-street parking will not be allowed to purchase permits. This avoids issue "b" above, which is currently cramping street parking in WP: apartment complexes, such as the new South of Gateway (Edwards development) on High St and 9th Ave have plenty of garage/lot parking for their residents, but charge residents additional fees to use that parking, so some of the 800 new tenants choose to use the free street parking instead.
Making the permits available at no-cost for those who cannot afford the extra costs. Mr. Krupp, attended the City Council meeting last month to speak on behalf of this issue.
Addressing parking for employees and visitors at the Schoenbaum Family Center, which is currently under-parked.
How exactly will visitor passes work – cost, execution, limits, shared cars or rentals, car2go,etc?


I enjoyed our evening at Stanford Inn so much. During the class I lost 15 pounds, and I received the results of my blood tests post class. I am happy to report my cholesterol went from 228 down to normal range below 200. My triglycerides went from 248 down to 168. I was going to be put on medication, but I dropped it to normal range and out of danger. You helped me achieve one of my biggest goals. My blood sugar also went down from 135 to 106. I was hoping for it to be under 100, but, as you said, it doesn't happen overnight. You have given me the tools in which to see these numbers lower, and I thank you so much.
"Hello Petra I wanted to say hi and let you know your class has enriched my life so much it has completly changed for the better. In case you don't remember me personally ( you had so many students) I told you about my swollen hand and how your class got me to stop dairy and that was the right thing to heal my hand. Happy to say post class still not swollen. I wanted to write you about another issue which your class how shown me what to do and it has enriched my life. I have had abnormal liver function tests since before I attended your class. Sticking to my diet I learned from you just dumping the fatty foods my liver inflammation just vanished. I am happy to report that the diet that you inspired has changed my life for the better. As if Monday I do not have any hepatitis and my liver function tests are not only normal again, they are at a safe number.
I had fatty liver disease ( I used to eat do much fat and junk foods) and now I do not. I lost 15 lbs during the class I have lost just one more lbs but not putting on weight! I cannot tell you how happy I am that I saw the flyer in the doctors office. I will be forever grateful.
I also want to register for the next class in October. I don't know if it's too early to register but I am looking forward to it. I can hardly wait to try out new recipes and lose some of my excess weight.
Thank you again. I know I took the class to stop the high blood sugar but I now am still lowering that. I have a normal liver and my hand is so great words cannot express how grateful I am.


text:
Fyre Festival fails to meet expectations
Finding a barren, abandoned landscape was the last thing that excited concert-goers were expecting. In fact, one would expect five-star treatment for people who paid as much as $12,000 on tickets to watch their favorite musicians perform at Fyre Festival on Bahama's Great Exuma island.
Fyre Festival was new in the business of extravagant concerts, and promised ticket buyers excellent treatment, including beach yoga, the best food, and a treasure hunt with prizes that added up to $1 million and more. Fyre Festival was supposed to run from April 28-30 and May 5-7 if everything had gone according to plan.
Musicians such as G.O.O.D. Music, Major Lazer, Blink 182, Disclosure, Migos, and many more were expected to perform. Models and rappers promoted the event, making Fyre Festival seem like the ultimate concert.
Trouble began on Thursday, April 27 when people started flying into the island. The first-year staff was immediately overwhelmed and could only supply meager tents and dried bread with cheese.
Fyre Festival staff quickly realized that things were falling apart and cancelled all incoming flights to the venue.
People stuck on the island began sharing their misfortune online, and news of the situation quickly spread throughout social media. Many people commented on how this was karma for frivolous spending and laughed it off.
Freshman Kayla Acevedo says, "I just think this is really funny. The rich people are silly for spending so much money on a total failure."
Things got worse for the already disappointed crowd when performers heard of the terrible conditions at the island venue and began dropping out. Blink 182, one of the bands that many were looking forward to, backed out from the show before all of the mayhem commenced and tweeted a picture saying, "Regrettably, and after much careful and difficult consideration, we want to let you know that we won't be performing at Fyre Fest in the Bahamas this weekend and next weekend. We're not confident that we would have what we need to give you the quality of performances we always give our fans."
Many of the people at Fyre Fest described the whole debacle being similar to "The Hunger Games," as people were frantically looking for food, a place to sleep, and a way to escape the venue.
Things could not get worse for those stranded on the island, so a huge rush for flights back home commenced. Bahamian airports had a difficult time sending the masses back home, but with hard work, everyone returned home safely.
Fyre Festival shared an official apology to everyone who bought tickets and promised not only a full refund, but free VIP tickets to their event next year as well.
Freshman Toluwalope Agunbiade says, "I hope everyone gets their money back. This entire situation is crazy and unfair."
Fyre Festival hosts Billy McFarland and Ja Rule also gave a sincere apology, describing how they had severely underestimated the work required for such an event and their hopes to start concert preparations earlier next year to prevent another disaster like this.
However, many refuse to accept this apology and blame America's obsession with festivals and pricey concerts. Prices soar each year at concerts like Coachella and expectations only grow higher, so something had to go wrong eventually. Fyre Festival is what some would describe as a 'wake-up call,' and people are finally realizing that paying so much money for concerts that could go wrong in so many ways is irrational.
Concerts like Fyre Festival are no longer fun, but instead are used for people to flaunt their money to everyone. People nationwide found it difficult to sympathize with those who attended Fyre Festival because they were most likely attending to impress others and were drawn in by the unrealistic activities and privileges that were offered for a huge sum of money. Instead of pitying those on the island, people made countless memes online to poke fun at them.
The Fyre Festival fiasco is complex, and it is difficult to find one person to outright blame. Hopefully, event staff in the future take the proper precautions so another Fyre Festival-like disaster does not occur.
Do you feel bad for those who were stuck at Fyre Fest? Who do you think is to blame for the disaster?
#celebrities #FyreFestival #OlenaMalich #twitter
The Legacy of Virgil Abloh

redpajama_set_name: RedPajamaCommonCrawl


text:
In 2010, the Liverpool City Region Cabinet endorsed the establishment of a Liverpool City Region Child Poverty and Life Chances Commission, chaired by Frank, to bring together leaders from the third, private and public sectors.
The Commission seeks a sustainable solution to child and family poverty, which addresses both income deprivation and broader child wellbeing.
Its primary role is to act as a conscience on matters relating to child poverty and life chances, and to commission activities that will enhance the work of local authorities.
Councils have a statutory duty to complete a local Child Poverty Strategy and this City Region approach is over and above this statutory responsibility. There is a further duty for specific named partners to co-operate in tackling child poverty in local areas, and this is partially delivered through the City Region level Commission.
The Commission published its Child Poverty and Life Chances strategy in 2011.
The Commission meets quarterly and is currently implementing the revised strategy that was published in 2016.
Its current priorities are to develop and extend examples of good practice that have improved disadvantaged children's life chances, including:
Automatic registration of eligible children for free school meals
Provision of free meals and fun for children during school holidays
Mitigating the effects of welfare reform on families with children
Helping women quit smoking during pregnancy
Piloting a revolutionary set of school readiness indicators that can be used to shape interventions in the Foundation Years
The Department for Education has offered its support on the final point, informing the Commission that, "The recently published primary assessment consultation seeks views on how we might improve and refine the EYFSP to make it more robust and effective in measuring a child's development at the end of the Reception year. The department welcomes any evidence to inform the consultation, including any learning as a result of the pilot in Merseyside."


Dr. Robert Glover – All The Way In – Relationship Essentials for Men | Free Download Instantly.
In this eight week online class, Dr. Glover presents a radical paradigm in which men are encouraged to take an active leadership role in their relationship by becoming more conscious, honest, and transparent.
By becoming more present and conscious in their intimate relationship, men can act with love and integrity in setting a tone that promotes open communication, problem resolution, reciprocity, trust, and sexual passion.
In other words, this class is aimed at showing men how to show up and take responsibility for creating a great relationship.
• How to become conscious and present in their intimate relationship.
How to become a good "Ascertainer".
How to become honest and transparent.
How to set healthy boundaries.
How to create a great life and invite their partner to be the "icing" on top.
How to set the tone and take the lead with love and integrity.
How to do what is challenging rather than what is expedient.
How to unleash the sexual potential of their relationship.
While All the Way In is directed toward men, women are invited to be part of the class. It is helpful for women to know the kind of integrated man and healthy leader their partner is learning to become.
What it looks like when their partner becomes present in their relationship.
How to trust and let go of control.
How to participate in a more fully reciprocal relationship.
How to ask for what they want in a way that has a high likelihood of getting it.
How to welcome increased sexual passion.
This eight-week online class is open to straight, gay, and lesbian men and women. Even though some of the content focuses on "male" and "female" roles in heterosexual relationships, the principles taught in All The Way In can be powerfully applied by men and women in non-traditional relationships.
It doesn't matter if you are straight, gay, or lesbian, someone has to lead and someone has to follow. Someone has to pitch and someone has to catch. While these roles can be flexible and fluid, someone has to step up and get the ball rolling and keep things on track. Regardless of sexual orientation, I have found that relationships work best when the "guy" steps up and takes the lead in an integrated and loving way.
MEN – If you aren't the one moving your relationship forward, it is dying.
No matter what your current relationship looks like, you can step up and give it the chance to be all that it can be.
You have a good relationship with your partner and you are committed to making it all it can be.
You are in a relatively new relationship and you want to take the lead in finding out if the person is the best possible match for you.
You are having some struggles in your relationship. You know your Nice Guy traits are contributing the difficulties you are having. You want to challenge yourself and give your relationship a chance to flourish.
Your relationship is on the brink but you believe there is something worth working to save. You want to make sure you have done all you can do to give it one last chance before throwing in the towel.
When you register for this course, you will receive a link to a class webpage. Each week of the class, a new lesson will be added to the class page. Most lessons are presented through a written "lecture" in PDF format. You can download and print the lessons and homework. The course may also utilize some video and audio recordings.
The class webpage will also contain a class forum where you can post your responses to homework assignments. You will also be able to read and respond to the posts from other students and the comments posted by the instructor.
The instructor will log into the class forum one or two times per week, depending on the number of class posts. The instructor will make comments about the posts and sometimes gives additional homework assignments.
You can work at your own pace and log into the class forum to read and post. There is no set class schedule. You can participate in the course anytime from anywhere.
This course is limited to 100 students to insure maximum attention from the instructor and maximum benefit for each student.
Lesson 5: Masculine and Feminine: Or, Why do Women do That?
Q. What is the class schedule? Is there a certain time that I have to be in class? How much time will it take?
Every week during the class you will be able to download a written PDF lesson with lecture and homework assignments. You will also receive a web address for a class forum where you will post your responses to each homework assignment and read the posts from other students along with my responses. I personally log into the class forum one or two times per week, depending on the number of class posts, and make comments about the posts and sometimes give additional homework assignments.
You can work at your own pace and log into the class forum and read and post any time. There is no set class schedule. It will probably take from about 90 minutes to two hours every week for actual class participation. You get to decide how much time you will spend applying the principles of All The Way In in your intimate relationship.
Is your All the Way In class appropriate for a currently single man who wants to learn about what makes relationships work and why previous relationships have not worked?
The class is perfect for single guys who want to start from day one of meeting a woman to set the tone for creating a healthy relationship. The better you understand how healthy, passionate relationships work and what it takes to create them, the more effective you will be in your dating. You will set the tone and take the lead from the very beginning and get to rejection quickly with women who aren't a good match for you. All The Way In is a great road map for single men who want a great relationship with a great woman.
Isn't it dangerous to make generalizations which assume a certain gender is better at something than the other? It sounds like the 1950's all over again.
I understand the danger of generalizing, especially with something as complex and fluid (and politically and socially volatile) as gender and sexuality. I'm going to do it anyway. I understand that not all men are alike and not all women are alike. I understand that all situations are different. I understand that men and women can consciously swap roles. I understand that there are women who are more masculine than feminine and men who are more feminine than masculine. I understand that women can have male type brains (engineers) and men can have female type brains (decorators).
In spite of the shortcomings of generalizing about gender and sexual orientation, the fact is, someone has to lead and someone has to follow. In general, the game doesn't work well with two pitchers and no catchers or two bottoms and no tops.
In spite of the prevailing philosophy that relationships should be 50/50, cars still come with one steering wheel and televisions with one remote. Someone has to drive and someone has to click. It is okay to take turns, but it still works best when each person in a relationship has a default position and the person with the natural "male" or masculine nature sets the tone and takes the lead with consistency. This is what the "feminine" craves.
Have you received much backlash from women as the result of teaching men to take control?
I don't teach men to control anything, especially another person. Control is an illusion and attempts to control a partner are unloving. When I encourage men to set the tone and take the lead, I am inviting them to be conscious and present in their relationship. This is the greatest act of love and integrity a man can offer his partner.
I often use the metaphor of dance. There is no control. There is a lead and a follow. Each person knows their role. When the lead does his job and the follow lets him, the dance is beautiful and exhilarating for both people involved.
In general, women like what I teach men. Many are tired of being the gatekeepers of their intimate relationships. They are tired of driving the bus. They are tired of being the "lead". They are tired of feeling tired. They are tired of being asked, "what do you want to do tonight?" They are ready for a different plan.
I see that your class is open to women. What will women get out of the course?
• How to trust and let go of control.
How to ask for what they want in a way that has a high likelihood of them getting it.
It is also a powerful statement of love and courage for a man to ask his wife or girlfriend to join him in this class. If your partner knows how you are being challenged to lead, it raises your accountability and her expectations of what kind of man you have the possibility of being. It takes balls for a guy to make himself this vulnerable, but that is what this course is all about!
Get Dr. Robert Glover – All The Way In – Relationship Essentials for Men right now!


text:
const FileLoaderLoadException = Jymfony.Component.Config.Exception.FileLoaderLoadException;
const LoaderInterface = Jymfony.Component.Config.Loader.LoaderInterface;

/**
 * Loader is the abstract class used by all built-in loaders.
 *
 * @memberOf Jymfony.Component.Config.Loader
 *
 * @abstract
 */
export default class Loader extends implementationOf(LoaderInterface) {
    /**
     * Constructor.
     */
    __construct() {
        /**
         * @type {undefined}
         *
         * @protected
         */
        this._resolver = undefined;
    }

    /**
     * @inheritdoc
     */
    get resolver() {
        return this._resolver;
    }

    /**
     * @inheritdoc
     */
    set resolver(resolver) {
        this._resolver = resolver;
    }

    /**
     * Imports a resource.
     *
     * @param {*} resource
     * @param {null|string} type
     *
     * @returns {*}
     */
    importResource(resource, type = null) {
        return this.resolve(resource, type).load(resource, type);
    }

    /**
     * Finds a loader able to load an imported resource.
     *
     * @param {*} resource
     * @param {null|string} type
     *
     * @returns {Jymfony.Component.Config.Loader.LoaderInterface}
     *
     * @throws {Jymfony.Component.Config.Exception.FileLoaderLoadException}
     */
    resolve(resource, type = null) {
        if (this.supports(resource, type)) {
            return this;
        }

        const loader = undefined === this._resolver ? false : this._resolver.resolve(resource, type);

        if (false === loader) {
            throw new FileLoaderLoadException(resource, undefined, undefined, undefined, type);
        }

        return loader;
    }
}

redpajama_set_name: RedPajamaGithub


Life can be full of challenges! Can I hear anyone say...Ya! That's Right!!
One of those challenges is how quickly people move in and out of my life in expat living. I have to say, I have had my times of moving, and I definitely understand it! But in expat living, I seem to experience the loss in an unique way. It's like, "No! Don't go and leave me behind!"
One thing this experience has done is make me more grateful for my long-term friendships. It has also made me more in tune with maintaining connections and contact over the miles.(Technology definitely helps with this!!) I think I value these connections more today than I have at any other time in life.
There maybe the momentary sense of loss and some level of grief BUT there will always be JOY coming around the corner if I keep my focus on the right things! Life is short...make each moment count!
Decorating for Christmas. Click the picture to link to one of my favorite Christmas music you-tubes this season.
The season of celebration is here again!
We just finished the Thanksgiving holiday and now we are winding up for the Christmas festivities! Holiday traditions abound at this time!! And I join in with the holiday activities...at least what I hold dear to my heart.
I live in a world now that does not celebrate the holidays like I have experienced for so many years of my life. I think being in an environment where I am less saturated with all the traditions of the holidays, I have come face to face with the question, "Why do I do this anyway?" Being in the flow of a river where you flow with the current causes your journey to be effortless and even automatic. Living in America during this holiday season is like being in a huge river with a strong current carrying you through the season with many, "it's suppose to be", "it's just what we do", and so many other automatic and traditional thoughts.
So what is all of the hype of the season about? I would like to share some of my reflections with you as I have grappled with this since living abroad.
Where I have lived, these cultures also have their festivities and celebrations that are focused around their beliefs and cultural/religious traditions.These celebrations connect generations. They pass on beliefs and traditions from generation to generation. They are part of the fabric or substance of a society and an individual's life. These celebrations become a touch point for a family to gather together over the year or at least to send well wishes to each other and friends. So in light of these reflections, I have continued to celebrate the holidays that are dear to my heart, namely, Thanksgiving and Christmas. Now, the WAY this happens has changed. Some things are the same but many things change to fit where I am now. But keeping the footprint of these celebrations in my life and family are of great importance to me.


Jean-Pierre was born in 1969 and started photography at the age of 15. He had the chance to use the school dark room between classes.
Having lots of things to discover, he dropped photography for some time and came back to it "accidentally" before a trip to the Canary Islands in 2004.
He is now a freelance photographer based in Lausanne region and a teacher. The main focus of his work is portraits, music, and travel photography. He also loves to walk around cities to capture the life and the people surrounding him. He is very committed to humanity and protection of nature.
Jean-Pierre has been teaching photography for over 10 years in different classes and workshops that he organises in the French speaking part of Switzerland and abroad.


A new survey from SAS found that a growing number of US consumers are concerned about businesses using their personal information. At the same time, the survey confirmed that consumers still expect business to understand them as individuals and personalize their experiences.
On it's face, it's a "damned if you do, damned if you don't" scenario for marketers. Ask for information and you risk privacy fears. Deliver services impersonally and be criticized for being primitive and low-tech.
But take a closer look at the data and the dilemma may not be as bleak as it appears. Survey respondents reported spending an average of 77 minutes a day on social media and a whopping 70 percent belong to loyalty programs. Clearly, it is possible to be concerned in general about privacy while still selectively placing trust in particular companies.
I'm reminded of the old political true-ism: most Americans hate congress but love their congressman. Consumers are much the same - while they harbor real worries about privacy in the abstract, they willingly share personal information in real life on a selective basis.
Companies that nurture prospects, progressively acquire data as the relationship grows and respect customers' wishes through preference management are rewarded. And suddenly a dilemma becomes an opportunity.
Rob Tate is the Director of Enterprise Sales at PossibleNOW.


Allens Adapt is a flexible resourcing solution for us and our clients, and an alternate career option for talented lawyers. We're looking for top quality lawyers with more than five years' experience across all practice groups to join the Allens Adapt community and discover a new way to build a successful legal career. You should have strong technical skills, an understanding of client needs and great commercial acumen.


We will hold and process your data in order to assist you with obtaining a loan or second charge mortgage. If you do not provide the information we request, we will be unable to assist you in obtaining the right finance option. We will only collect the data we need.
We are regulated by the Financial Conduct Authority (FCA www.fca.org.uk) - firm registration mumber 720851, which means we are accountable for the products and services we provide. We are obligated to maintain detailed records of transactions with customers and so we process your data on the basis of 'processing is necessary for compliance with a legal obligation' as set out by the Information Commissioner's Office (ICO www.ico.org.uk).
Your information may be stored on a cloud-based system whose servers are located within the EEA. We take all reasonable steps to maintain the security of your data.
1st Loan acts in a broking capacity; we are not lenders. In order to help you achieve the finance you require, we will need to share your data with a lender at the appropriate time. We pride ourselves on our systems and we take great care over how we process customer data, and ensure it is done securely and safely at all times. We want you to be confident in 1st Loan and be assured that we take the security and privacy of your data seriously.
1st Loan is a FCA regulated firm and we need to retain full and detailed records of all of our customer transactions in order to meet regulatory requirements.
The FCA require us to retain such records for a minimum of six years. After 6 years, we will delete all information we have about you. We feel it is important to be able to retrieve any of our records for a period of 6 years to respond to or support customer or regulator enquiries.
1st Loan will not carry out any credit searches.
The right to be informed – and this notice you are reading is doing just that!
You also have the right to make a complaint about how your data has been processed by 1st Loan. In the first instance, you can contact us directly by email: dpo@st-loan.co.uk, or phone 0161 763 4783, or you can contact the ICO directly at www.ico.org.uk.
1st Loan is a trading style of Joel Malach, who is the data controller under the Data Protection Act 1998 in relation to the processing of your personal data in connection with the website www.1st-loan.co.uk and your loan enquiry. The broker we refer your enquiry to will use your information to provide you with a quote, to process your application and for marketing purposes. They will contact you by phone, email and text unless you tell them otherwise. We will treat all your information as private and confidential (even when you are no longer a customer) except where we are permitted to disclose your information by law, or where the disclosure is made at your request, or is made with your consent in relation to arranging your loan or mortgage. Where necessary to process your application, your data will be shared with third parties such as the broker, the lender, your mortgage provider, joint applicants and credit reference agencies (see Credit Searches below). Telephone calls will be recorded by the broker for monitoring, staff training and regulatory purposes. We will store the information we hold about you on computer and in other records. We will use your information in accordance with the principles of the Data Protection Act, including data security requirements. We will only use this information for the purposes registered under the Data Protection Act. Further information regarding how we use your information will be provided by the broker we refer your enquiry to with any loan documentation that may be sent to you.
You have the right of access to your personal records upon request to the Data Protection Officer and payment of a £10 fee. Should you wish to exercise this right or if you have any questions or comments regarding our data protection policy or any matter referred to in our policy please contact the Data Protection Officer at the correspondence address shown below. Information may be transferred and or stored to third parties which may be located outside the European Economic Area. We will ensure that your personal information is protected to the level of standards in accordance with the Data Protection Act 1998. If your information is shared with a third party, we will instruct and state restrictions which will protect your information. Our third party partners will also have their own privacy policies which we recommend that you refer to them.
Guarantor loan enquiries are forwarded to UK Credit Limited, which is Registered in England No 6929807. Authorised and regulated by the Financial Conduct Authority Reference No. 721556. Registered with the Information Commissioner's Office Z2022318.	UK Credit's registered Office is at St Crispin's House, Duke Street, Norwich, Norfolk, United Kingdom, NR3 1PD.
All other unsecured loan enquiries are automatically forwarded to Lead Affinity, which is a trading name of Loan Machine Limited (Registered in England 5517368), authorised and regulated by the Financial Conduct Authority - reference 729302. ICO Registration: Z9250764.	Loan Machine Ltd principal place of business:	9 Blake Drive, Bradwell, Great Yarmouth, Norfolk, NR31 9GW.
As an introducer and credit broker we will introduce you to a broker or affiliate who will help you search for a loan and provide a matching service. To help you with your application and search for a loan, we pass your data to a broker or an affiliate who in turn passes this information to a group of lenders and credit brokers on their lending panel. The lenders on the broker's or affiliate's panel may be willing to enter into a consumer credit agreement with you, subject to their assessment of your creditworthiness and the affordability of the loan among other compliance checks. On submitting your application, the affiliate also share your information with other trusted regulated credit brokers who will simultaneously endeavor to match your application with their lending partners. If they find a match, your application is redirected to the lender's website. You will not be offered an unsuitable product.
We have commercial links with our trusted brokers and affiliates and will generally receive a payment from them (not you) in the form of a commission if they are successful in matching you or if they actually fund a loan. The affiliate's panel currently consists of 30 lenders and brokers and their matching services only relate to that group, therefore, please note that the services do not constitute an entire market search for loan products. While the brokers and affiliate's providers have been chosen to provide a variety of products, there are other products on the market that are not available from their panel and, one or more of them may be more appropriate or suitable for you, so you may wish to shop around.
We encourage you to consider the brokers' and affiliate's Lending Partners' websites, FAQs, pre-contractual information and terms of the loan documentation carefully to determine whether the loan offered is suitable for your financial circumstances and whether you can afford to make the repayments under the proposed loan throughout its term.
We do not charge you a fee for the services or offer advice which assesses the merits of entering into a particular loan. If the broker or affiliate matches you with a lender it is not a specific recommendation and we have not negotiated the terms of any loan agreements on your behalf.
As 1st Loan is not a lender, we cannot guarantee that completing and submitting your information via the form will result in you receiving a loan. Individual lenders may, at their discretion, require you to complete their own application process and undertake further checks.
Where the broker or affiliate offers you a high cost short term loan, they will ensure that you do not enter into any agreements for high-cost short-term credit which would exceed the cost cap for high-cost short-term lending. There are three elements to the price cap: (1) an initial cost cap of 0.8% per day – interest and fees charged must not exceed 0.8% per day of the amount borrowed (2) a £15 cap on default fees – if borrowers default, fees must not exceed £15. Firms can continue to charge interest after default but not above the initial rate; and (3) a total cost cap of 100% - borrowers must never pay more in fees and interest than 100% of what they borrowed. Please see the relevant lender's website for full details.
The broker we refer your enquiry to will make searches about you at credit reference agencies who will supply them with credit information, as well as with information from the Electoral Register. The agencies will record details of the search whether or not this application proceeds. They will only perform an 'Enquiry Search' at this stage, which will not affect your credit rating. This type of search is recorded as a multi-footprint "SQ" Search Quotation which you will be able see on your credit report. Other lenders and credit providers will not be able to take these into account when deciding whether to offer you credit in the future. If you decide to proceed with one of the loans they offer then they will perform an 'Application Search'. They will do this on behalf of the lender and only when they have received your signed application form from you. Application searches may affect your credit score as they are used by lenders when deciding whether to lend you money. They may use credit-scoring methods to assess your application and to verify your identity. Credit searches and other information provided to them and/or the credit reference agencies, about you and those with whom you are linked financially, may be used by them in connection with your application. This information may also be used for debt tracing and the prevention of financial crime as well as the management of your account. To prevent or detect fraud, or to assist in verifying your identity, they may make searches of their records as well as using fraud prevention agencies who will supply them with information. They may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and their customers from theft and fraud. If you give them false or inaccurate information and they suspect fraud, they will record this. They and other companies may use this information if decisions are made about you or others at your address(es) in relation to credit or credit-related services.
In addition to the terms stated for a credit search above, by stating a financial association with another party, you are also declaring that: You are entitled to disclose information about your joint applicant and/or anyone else referred to by you; You authorise them to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you. Information held about you by the credit reference agencies may already be linked to records relating to one or more of your partners. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records.
What happens if things go wrong? You should find your dealings with us and the broker we refer your enquiry to be prompt, efficient and friendly. Our aim is to provide you with a professional and confidential service. If you have a complaint about any aspect of the service you have received, we will be happy to help resolve your concerns. We recommend that you bring your concerns to our attention as soon as possible – the sooner we know about it the sooner that we can resolve it. We have a formal complaints procedure to ensure that your complaint is handled quickly, fairly and efficiently; a leaflet with details of this process is available on request. On receipt of your complaint the matters raised will be investigated by us or by an independent Complaint Handler within the broker's company. Upon receipt of a complaint, an acknowledgement letter will be sent within two working days and if you remain dissatisfied, or if the complaint is not resolved within 8 weeks from receipt, you can take your complaint to the Financial Ombudsman Service.
Should you wish to refer the complaint to the Ombudsman, this must be done within 6 months of receiving the final response letter.
Links to third party websites are provided solely for your convenience. When you use the links you are leaving their website. Please be aware that they are not responsible for the content of third party websites or for the privacy practices of the operators of such other sites.
We will allow third parties to link to our website only with our written consent. Consent will only be given if third parties agree: not to use or alter any of our trade marks or intellectual property, particularly The 1st Loan logo, without our written consent; not to imply that their products or services are endorsed by us; not to misrepresent their relationship with us; that their website does not contain anything that might negatively impact our reputation.
The copyright and all other intellectual property rights in all material on this website are owned by Joel Malach. You may print and download extracts from it only if you do not modify documents or related graphics and our copyright and trade mark notices appear in all copies. Otherwise no part of this website may be reproduced or stored without our prior written permission.
While we endeavour to ensure that this website is available 24 hours a day, access to it may be suspended temporarily and without notice, for example in the case of system failure, maintenance or other reasons beyond our control. We are not liable if the website is unavailable for any period of time.
We endeavour to ensure that the information on this website is correct and up to date. However, we do not warrant the accuracy and completeness of material on the website. We may make changes to website content, or to products and prices described in it, at any time and without notice.
We exclude all liability and responsibility for any loss or damage that may result to you or a third party in connection with this website or use thereof. This includes loss or damage caused by viruses. Note that their liability is not excluded or limited for death or personal injury caused by negligence; fraud; misrepresentation or any liability which cannot be excluded or limited under applicable law.
We may make changes to this Legal and Privacy Notice at any time. Changes will be notified by the amended version of the Notice being posted on this website. You should therefore check this website from time to time to ensure you are aware of the latest terms and conditions applicable to your use of the website.
This Legal and Privacy Notice and your access to and use of this website is governed by and interpreted in accordance with English law. Disputes arising in connection with this Legal and Privacy Notice and your access to and use of this website are subject to the exclusive jurisdiction of the English courts.
Should you have any general queries or concerns regarding this privacy statement, please don't hesitate to contact us using the email address below.
Correspondence address: Warwick House, Lowes Road, Bury. BL9 6PJ.
Main email: info @ 1st-loan.co.uk.


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Farmville and Sex and the City 2 used as bait to hijack Facebook's "Like" button
PandaLabs, the anti-malware laboratory of Panda Security –The Cloud Security Company– has reported the proliferation of scams hijacking the Facebook "Like" option. The attack uses eye-catching messages related to the popular game Farmville, the Sex and the City 2 movie or sex to grab the attention of logged-in Facebook users as they browse Web pages with the "Like" button or the Facebook wall feature or messaging system.
Clicking the link brings the user to a Web page containing photos and videos of the relevant topic. On visiting it, a message is displayed on the user's Facebook profile indicating that they "like" it, with a text not controlled by the user. According to Luis Corrons, Technical Director of PandaLabs, "This distribution technique reminds us of computer worms, although this time there doesn't seem to be any malware behind it (at least yet)."
This technique, known as 'clickjacking', uses a simple application to launch a javascript action. Visiting users are tricked into "liking" a page without necessarily realizing that they are recommending it to all of their Facebook friends. The real business stems from the pay-per-click system, which counts every click and generates revenue for affiliates, and from the tests offered to users on every page, which they must pay to make.
"Cyber-criminals can make money just by tricking you into visiting a Web page with ads", Luis Corrons says. "Or worse still, they can spread malware and infect you. This possibility has not yet been exploited, but it would be relatively easy and effective to do it."
PandaLabs advises users to be extremely wary of messages with striking subjects received from Facebook's internal messaging system, and to take all necessary precautions when clicking the "Like" button on external Web pages. Also, we recommend users not to enter any banking or credit card information in applications that try to sell them any kind of test.
More information is available in the PandaLabs blog.
Panda Security specializes in the development of endpoint security products and is part of the WatchGuard portfolio of IT security solutions. Initially focused on the development of antivirus software, the company has since expanded its line of business to advanced cyber-security services with technology for preventing cyber-crime.
Do I like it or not? (Facebook clickjacking)
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Panda Security achieves a 100% detection rate yet again, according to AV-Comparatives!
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The much-feared reactivation of Conficker on April 1 goes off without a bang