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Senior Information

Senior Portraits
All seniors will be photographed for the yearbook. Photos will be available for online purchase throughout the 2018-2019 school year. An online viewing card will be sent home with each senior with instructions on how to order senior prints online. The online viewing card will have a personal pin to allow personal access and all the information necessary to place your order. It is suggested that seniors wear solid colors, primary or pastels, and avoid large geometric prints, large logos, bright colors or neons.

Scholarship Night
Scholarship Night will be held on May 16, 2019 and is a very important night for CRLS students. Scholarship recipients will be notified via Community Meeting and US mail. Students must arrive at 5PM.

CRLS Scholarship Application
The CRLS Online Scholarship Application system is not open at this time. Learn more >>

Senior Prom
The Senior Prom will be held on May 18, 2019 at 7PM at TBD. Only seniors in good standing may attend the senior prom. Purchase your $80 ticket with cash or check/money order, made payable to CRLS. CRLS rules and regulations as described in the student handbook are in effect at the senior prom. Please check with your Dean of Students regarding “good standing” status.

Graduation Rehearsals
There are two mandatory rehearsals for the commencement ceremony:

  • Rehearsal day #1 will be held TBD and begins promptly at 10:30AM in the Fieldhouse.
  • Rehearsal day #2 will be held TBD and begins at 10:30AM in the Fieldhouse
    (final report cards, cap and gowns and graduation tickets will be distributed from your LC office or other designated locations after practice)

Senior Fee
The Senior Fee is $25. Students can pay the $25 fee in their learning community office by May 15th with cash, check, or money order made payable to CRLS Senior Fee.

Senior Debts & Final Plan Forms
Seniors who owe debts, e.g. textbooks, library books, athletic uniforms & equipment, yearbook, commencement fees, cameras, etc., will not be allowed to participate in the commencement until they resolve all debts. Caps and gowns & commencement tickets will NOT be given to any senior with an outstanding senior debt or who has not turned in their “Senior Final Plans Form” to their guidance counselor. (Senior exams will not be given unless students turn in their books before the exam).

NHS Members
If you wish to wear the NHS blue cowl at graduation, watch for a notice in homeroom regarding cowls for graduation.

Commencement Ceremony
Students will meet promptly at 5PM in the Gym on June 6, 2019. The CRLS Commencement Ceremony is broadcast live on City TV 8 at 6PM.; rebroadcast dates are listed on City TV 8.

Buy the CRLS Class of 2018 Yearbook online now for $65. Questions can be addressed with any member of CRLS Yearbook Club, or by contacting Josh Marden or Annan Lopata at

Important Dates

Post Secondary Planning for Seniors | September 18, 2018 | 1 - 2:30PM

Financial Aid Night | September 26, 2018 | 6 - 7PM

Career and College Fair | October 3, 2018 | 6 - 8PM

Senior Portrait Days | TBD

CSV Senior Bash | TBD

RSTA Senior Dinner | TBD

Last Day to Buy Prom Tickets | TBD

Scholarship Night | May 16, 2019

Senior Prom | May 18, 2019 | 7PM - Midnight | TBD

Library Due Date for Seniors | TBD

VPA Community Celebration & Potluck | May 23, 2019 | 5PM | Media Cafe

AVID Senior Dinner | May 23, 2019 | 6PM | Main Cafeteria

Prize Day | TBD

Senior Final Exams 1 & 3 | May 29, 2019

Senior Final Exams 2 & 4 | May 30, 2019

Last Full Say of School for Seniors / Senior BBQ | TBD

Senior Makeup Exams | TBD

Nest Fest | TBD | Tennis Courts in front of CRLS

Senior Breakfast & Yearbook Distribution and Sales | TBD | 9AM | Media Cafeteria

Graduation Rehearsal | TBD | 10:30AM | All seniors must report to the Field House

HSEP Graduation | TBD | 6 - 8PM | Cambridge Public Library: Main Branch

Cap and Gowns & Graduation Ticket Distribution | TBD | 12Noon | Learning Community Offices

Graduation | June 6, 2019 | 6PM | War Memorial Gym (All Seniors report to the War Memorial Gym at 5PM)

Other Helpful Resources

Enhanced Senior Year
Graduation Requirements
Senior Student Timeline
Senior College Planning PowerPoint Presentation
ACT, PSAT, and SAT Testing Dates and Fees
Community Service
Financial Aid Assistance
Transcript Request Form


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special sales and new templates

I come back from a photography workshop to Paris ! I slept to my friends Stéphanie, you know Glamfairy designs at afterfive , also a great photographer. They were a lot a of ex designer like Loloden, Cardamone, Mag design, MissK, Julie design managed by Amélie Soubrié from digital Crea. I show you some pictures of me ( sorry i am not a great photographer, I am learning ) may be i will show you the others .....LOL me when i was shooting the lovers ( taken by Marionescence ) Well, I come back with a lot of remembers and new... [Lire la suite]


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Region 8

Welcome to CREEC Region 8!

Look to this page for local environmental education news, funding, and upcoming events.

Upcoming Events

Statewide Event

Forestry Institute for Teachers

The Forestry Institute for Teachers (FIT) is a FREE*, multi-day residence workshop held at 4 northern California locations. The institute is open to all California teachers; 40 hours of Academic Credit available!

Dates of Event
June 10-16, Plumas County, June 17-23, Tuolumne County, July 1-7, Shasta County, July 8 - 14, Humboldt County
Multiple locations to choose from throughout CA.
For more information, visit the event website.
Statewide Event

The Forestry Challenge for High School Students

The Forestry Challenge is an academic event for high school students in technical forestry and current forestry topics. Student participants spend four days in the forest learning about the ecology and management of the forested landscapes that provide communities with water, recreational opportunities, wood products, and wildlife habitat. Youth benefit by better understanding the relationship of the forested environment to their community, by exposure to natural resource management as a potential career option, and by undertaking a rigorous critical thinking exercise which is timely and addresses current forestry topics such as wildfire, insects, and forest health.

Dates of Event and Location
Shasta - September 26 to 29 - Mountain Meadows Camp east of Redding
Santa Cruz - October 10 to 13 - Redwood Christian Park near Boulder Creek
El Dorado - October 24 to 27 - Leoni Meadows Camp south of Placerville
San Bernardino - November 7 to 10 - Green Valley Lake Christian Camp near Lake Arrowhead
For more information, visit the Forestry Challenge website.

Teresa Lees


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Henry F. Colquitt

Colquitt, Henry F.

Rochester, October 30, 2017
Predeceased by his Mother Eva M. Colquitt, Father Gilbert Colquitt, Tom Miller (Step-Father),
Sister Little Eva Colquitt, David Colquitt, Robert Colquitt, Reginald Colquitt, Jennifer Colquitt (Johnson) Mother-in-law Mary Elizabeth Robinson, Father-in-Law Arthur Lee Robinson
Brother-in-laws Clifford Bronson Sr., Jeremiah Bronson Sr., Samuel Bronson Sr.
Frank is survived by his loving wife Gloria Colquitt of 46 years, 2 daughters Sandra Nicholson and Denise Colquitt. Brothers Nathaniel Colquitt, John Colquitt, sisters Patricia and (Lydell), Sheryl Colquitt, Debra Colquitt, Emily Colquitt, Jeanette Colquitt, Billy Colquitt, Steve Smith and several Aunts, Uncles, Nieces, Nephews and Cousins and
Frank was in the military.  He also worked for the United States Post Office for over 30 years where he later retired from. He then took a part time job at the Police Department. Frank was a very patient, caring son,brother,husband and father and will be dearly missed by one and all. His family would like to thank the staff at the Wilmont Cancer Center for taking excellent care for him. A special thanks to the Special team of Doctors and Nurses who cared for him when he needed it most. We would also like to thank the many friends and family for your loving support no matter how near or far.
There will be no calling hours.
A service will be held
When: Saturday November 4,2017 at 5:00 pm
Where: Kingdom Hall of Jehovah's Witnesses
              880 St. Paul Street


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Monday, January 2, 2012

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CSR Middle East's Blog – November 2015 Archive (5)

Qatari firms shifting to long-term CSR plans

Qatari businesses shifting towards longer-term CSR collaborations, say experts. As the third edition of CSR Qatar 2015 prepares to get under way in Doha in less than two weeks’ time, key speakers at the country’s flagship conference for CSR and sustainability shared their views on the trends underpinning the changing CSR landscape in Qatar.

Held under the patronage of the Ministry of Economy and Commerce, CSR Qatar 2015 will take place from November 23 to 25,…

Added by CSR Middle East on November 21, 2015 at 1:04am — No Comments

Oman Air’s CSR initiative wins Aviation Business Awards acclaim

Oman Air has been awarded the Corporate Social Responsibility Initiative of the Year award at the 9th Aviation Business Awards.

The award was presented in recognition of Oman Air’s work to make air travel easier for people with low income.

A total of 15 categories were celebrated at a glittering ceremony held at Dubai’s Park Hyatt Hotel on Sunday, October 25.

Oman Air’s recognition follows a long-term programme which led…

Added by CSR Middle East on November 21, 2015 at 1:02am — No Comments

CSR highlights sustainability as key component for programs

The third Corporate Social Responsibility (CSR) Summit is scheduled to take place at Jeddah Hilton Hotel on Dec. 1-3.

This year the focus will be on the innovative strategies companies should adopt and the huge challenges they face towards achieving sustainable social development. Approaches and ways to help make the wheel of economic and social development spin faster will be highlighted during the three-day summit.

“The event has proved to be successful over the past two…

Added by CSR Middle East on November 17, 2015 at 1:00am — No Comments

SABIC highlights CSR experience at World Entrepreneurs Forum

SABIC highlighted its experience in entrepreneurship and corporate social responsibility (CSR) during the Second World Entrepreneurship Forum organized by The Centennial Fund (TCF) under the theme, Innovation in social entrepreneurship, in Riyadh recently.

Speaking at the forum on the role of organizations in supporting social entrepreneurship, Yaarob bin Abdullah Al-Thenayan, SABIC director, global CSR, said SABIC fulfils its social responsibility strategy through a…

Added by CSR Middle East on November 11, 2015 at 1:00am — No Comments

Companies Honoured for CSR and Sustainability

The Arabia CSR Awards eighth cycle concluded recently. In a glittering award ceremony, 20 public and private organisations were acknowledged for their role in creating positive societal impact.

The Arabia CSR Awards is supported by the United Nations Global Compact and United Nations Environment Programme. It was held under the auspices of the League of Arab States for the second consecutive year. Among sponsors of the award are: Ma’aaden (Exclusive Strategic Sponsor), Petrochemical…

Added by CSR Middle East on November 5, 2015 at 1:00am — No Comments

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Stories to write about

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Cheshire Center
Cheshire, CT
Located in the center of Cheshire and adjacent to the Cheshire Town Hall, Cheshire Center offers its tenants convenience, location, and a variety of both retail and office use. This modern colonial-styled building maintains the character of this historical town. Built in 1972 and fully updated, Cheshire Center is designed to accommodate the small office and the small retail store occupant.

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Lease includes: all utilities (heat, electric, and central air conditioning).

Address: 114 South Main Street Cheshire, CT
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The Best Lawn Care Services in Richland, TX

I want to compare prices on in Richland. My ZIP Code is

Rated 5/5:

Affordable Lawn Care in Richland, TX

If you are interested in keeping your yard looking great year-round, then CVS Home is the place to go. If you are like most people, you just don't have the time for fertilizing, weeding, lawn mowing and all that goes into creating a beautiful, well maintained lawn. CVS Home has become the popular choice for customers that need to find low cost lawn care services in Richland from the most trusted, local professionals.

Richland Lawn Mowing Service Made Easy

Whether you own your own riding mower and enjoy mowing your lawn, but you'd like some help with the more difficult lawn maintenance tasks, or you would like to hire a Richland lawn care company to take care of your whole yard for you, you've come to the right place. We recommend hiring an experienced professional to take care of all of your lawn care in Richland, as it's usually the most efficient, affordable, and easiest solution for homeowners and property managers.

Lawn Care Costs in Richland

Richland lawn care service prices vary depending on how often you need service, how large your yard is, and the exact type of service that you're looking for. Here's some of the most common services offered:

  • Lawn mowing service - typical Richland lawn mowing costs range from about $35 to $85 per visit, with one time service costing more, and more often service costing less. The frequency of cuts will depend on the type of grass that you have installed, as well as your personal preference and budget.
  • Seeding - average Richland lawn seeding costs are around $500 - $900 depending on the size of your lawn. Whether you hire a professional, or do it yourself, seeding during the fall is recommended to keep your lawn lush, green and healthy. You can save about $200 by seeding you own lawn, but you need to make sure to use the right seeds for your lawn and factor in a few other variables, which is just one of the reasons that we recommend hiring a local professional that's experienced with the grass types in the Richland area.
  • Fertilization - the average Richland lawn fertilization costs around $99 to $400 for an average sized yard. You should expect to spend around $.03 to $.05 per square ft, and the price will go down per square foot for larger yards. Fertilizer should be applied around four times per year, and more often during the high growth season. You can choose to have spray fertilizer, granules, as well as synthetic fertilizer applied to lawns in Richland, Texas. Organic fertilizer is also an option, although the cost will be slightly higher compared to the other types.
  • Leaf removal - average costs for leaf removal in Richland are about $150 and $250 for the typical job. Removing leaves from your lawn is important to maintaining a healthy lawn, as fallen leaves can block sunlight and your grass can die. You have the option to blow the leaves off your property, pick them up and bag them, or vacuumed. One other option is to have your leaves vacuumed and chopped up and turned into mulch.
  • Aeration - lawn aeration costs in Richland usually cost $75 to $175 depending on the type of aeration and the size of your lawn. It's recommended to do it in the spring, and it helps nutrients, water and air reach the soil so that it can stay healthy. If your grass has heavy traffic from pets or kids playing then the need for aeration increases.
  • Sprinkler system maintenance & repair - the average cost for sprinkler system repair in Richland is around $100 to $300. Having a well maintained sprinkler system that evenly waters your lawn at the right time each day is essential to keeping your grass in tip top shape. You can get help with all types of irrigation systems including Toro, Nelson, Rainbird and Hunter and more.

It's important to ask about the experience of your local Richland lawn care company's employees before you select the company for your job. Experienced lawn care experts know which species and types of grass, shrubs and plants work best in the Richland climate, and know how to maintain them. researches local pros and partners with the one's that consistently provide the highest quality of service, and also offer competitive pricing. When you hire someone to perform lawn maintenance in Richland, make sure that you get multiple bids, and ask for references. Even a small difference in pricing can add up over the long run, especially if you are getting frequent Richland lawn cutting service.

Richland Lawn Care Service Companies

Silva Tree Service & Lawn Care - Ennis, TX 75119 (26.39 miles from Richland, TX)
Gardenscapes BY Diane - Waxahachie, TX 75168 (32.91 miles from Richland, TX)
K & H Yard Service - Waxahachie, TX 75165 (39.59 miles from Richland, TX)
Turfmaster - Waxahachie, TX 75165 (39.68 miles from Richland, TX)
Danny's Irrigation - Palmer, TX 75152 (39.73 miles from Richland, TX)
Green Thumb - Waxahachie, TX 75165 (40.51 miles from Richland, TX)
Approved Backflow Testing & Repair - Waxahachie, TX 75165 (41.09 miles from Richland, TX)
Genesis Landscaping - Waxahachie, TX 75165 (41.94 miles from Richland, TX)
All About Lawns - Mansfield, TX 76063 (45.60 miles from Richland, TX)
Pro Irrigation - Marlin, TX 76661 (49.26 miles from Richland, TX)

What Type Of Grass is Best For My Lawn in Richland?

Choosing the right grass is the first, and perhaps the most important step in getting the type of lawn that you want for your property in Richland. Whether you just want a lawn that looks nice, or you prefer a specific type like Kentucky Bluegrass, Bermuda or St. Augustine, it's important to choose a type that works well in Richland. Here's a few tips to follow that can help you choose the perfect type for your needs:

  • Certain types of grass will require specific types of soil and nutrients. If you are looking to lay Bahia or Buffalo Grass, you will need soil that is rich in nutrients in order to properly grow.
  • If you are like many homeowners, you will want a grass that looks great year round, making perennial ryegrass and rough bluegrass great options. Many species only work great during warm seasons or only during cooler seasons, so selecting one that works through all seasons can often be difficult.
  • An easy tip is to look at what type your Richland neighbors have and choose that type of grass. You can simply ask them, or just hire an experienced professional and they will take care of it for you.

Questions to Ask Before Hiring Lawn Care Service in Richland

Are Lawn Care Chemicals Dangerous to My Kids or Pets?

If your lawn has been treated with chemicals within the last 24 hours, it's recommended to keep pets and people off the grass. 24 hours is usually enough time to be safe, but always ask the professional how long you should stay off your lawn each time chemicals are applied.

Will You Bag My Grass Clippings or Will it Stay on My Lawn?

Typically grass is cut and immediately turned into mulch in order to keep your grass healthy, and cut down the cost or purchasing your own mulch. It's also cheaper compared to bagging clippings and disposing of them.

Will You Always Send the Same Employees?

In general we try to send the same professionals to your property, but in some cases this isn't possible. There is value in having the same technicians work on your property compared to having new people work on it each time.

Will You Come on the Same Day/Time?

We try to schedule lawn services in Richland on the same day and around the same time. This makes it convenient if you want to discuss.

Do I need to be Present During Service?

You don't need to be at your property while your lawns being serviced. The only thing that you must do is make sure that we have access to the area you need serviced, and that any pets are kept either indoors or in a contained area.

Are Lawn Care Companies in Richland Required To Be Licensed?

If they use pesticides, then they are required to have a License. If they don't use any pesticides they are most likely not required to have a license.

Does my lawn care provider need to have insurance?

Yes, you only want to work with companies that have active insurance. If something happens to an employee while working on your property you could be held liable. If a companies pricing seems too good to be true, they may be cutting corners and are not properly insured.

lawn care equipment in Richland

Why the Right Lawn Care Equipment is So Important

In addition to using a good lawn mower, a lawn care professional utilizes many types of lawn and gardening equipment for specific tasks. Safety tip for anyone doing their own work: Be sure use goggles when using lawn tools as serious eye injuries can occur.

  • Edgers
  • Weed Whackers
  • Leaf Blowers
  • Rakes, Shovels, Hoes and Handheld Tools
  • Spreaders

High quality lawn service in Richland will leave you with a lawn that provides erosion control, acts as a natural water purification system and looks great. Using a professional lawn service in Richland to improve the health of your yard can save you time and even money. Get started by giving us a call or completing the online quote request form.

lawn seeding Richland, TX
leaf removal Richland, TX
sprinkler repair Richland, TX
Not the right city? Maybe you are looking for lawn care in Richland, WA


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Ty Newydd

Just over a month ago, I moved with my boyfriend, from Plymouth (where I was studying) to a place on the west coast of Wales.
A big move, considering that aside from uni, I have lived in the same village my entire life!
I was a bit worried at first, moving somewhere totally separate from anything (or anyone) I have known, but its getting better now I have begun to meet people properly, and as I make new friends of my own I'm sure it'll get easier.
  (imagine it without the bin!)

Though I must admit, I am still finding our new house totally novel, and aside from looking at buying things for the house, food and going to the library, I never want to leave it!
Its a beautiful 16th century cottage, about 300m above sea level looking out toward Cadair Idris.
(I know its really really cheesy but...)Everyday I wake up feeling so so lucky.
I think our lovely kitten Myrtle agrees.

The house is coming together SLOWLY which is a bit frustrating, though we have all of our STUFF we have nothing to actually put it on or in. But its all coming, in time. I just find myself a bit impatient with things in boxes all over the place.
Though on a good note, we did pick up a nice set of drawers from the tip for £3!
And some wicker baskets which will also come in handy.

We still have lots of exploring to do yet! And I will update you on here (particularly for you Ash!)
And I look forward to it.

1 comment:

  1. Yes please! I'd love for you to keep me updated on here. :-)
    Your home and the area it's in look so idyllic, I can't wait until we can come visit..!
    Do you have any more furniture yet? I can see how that would be really frustrating having all of your things packed away in boxes
    Myrtle is gorgeous! I'm so jealous. I'd love to have a pet one day but Ray really isn't keen... I'll have to keep working on him!!

    Love Ash xxxxxx


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Barbs Burst Stags Bubble!

Barbs Burst Stags Bubble!

Abercrombie, fearless from an early age when he learned the art of the tackle!

Loose forward and Captain, Tom Abercrombie led his Oak Bay Barbs, including a host of CW Mini “grads” to a huge upset over SLS Stags on Wednesday.  Tom tried his hand at tennis and golf after Mini days, with considerable success at both but was the pull of the team game that saw him wearing the Tricolour as a U16 player and this past fall, he was a valued member of Spennie’s U18 B.C. Champs.  Tom has also received honours with B.C. at Sevens and with Canada’s U18 team in Ireland this year, quite the body of work!

In this match, Tom had a fiery game, scything down members of a big Shawnigan pack.  Jack Carson added ten points in the 20 – 15 win for the Island Championship.  Shawnigan had won eight titles on the trot and bookies would have had them favoured to continue the string, particularly as they were undefeated so far this season.

It was an exciting tussle as the lead changed hands often.  The huge Shawnigan pack won the battle of the sets, only to be thwarted by some skilled pickups by MVP, Nick Carson at #8.  Overall, the Stags work at the breakdown might have been deemed marginally better, yet Oak Bay pinched enough for their hard runners to ask questions.  In this viewer’s opinion, it was really in the second half when an obvious difference between the teams in the Energy Department was the turning point in the contest.  Congratulations to both teams with the deserved victory going to The Barbs in a classic High School final.  A repeat final at the BCHS Championships could be a treat!

Barbs Burst Stags Bubble! - Image 1

 The Captain shares the joy with The Ruggernut – a Mini mentor!

Barbs Burst Stags Bubble! - Image 2


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Your Number One Motivator for Cycling

What really motivates you?

We all have our reasons for why we ride a bike, but what is your absolute number one reason for doing it?  In this quickcast, Darryl asks this question to find out what motivates you.  No matter what level of cyclist you are, or what goals you have….there are going to be days that you just don’t feel like getting out there on the bike.  This is when your number one motivator comes in.

But Darryl asks you to get more specific in order to really know the true root of why you do it.  Listen in as Darryl provides a quick tip on finding your number one motivator and how to use it to achieve your goals.

Our Partners

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  1. Daniel Zant says:

    Sad but true even if I don’t feel like climbing the hills to get out of my neighborhood this works for me.
    I put on my cycling clothing on check the weather and windspeed and end up going cycling. I always end up enjoying the ride.

  2. Gary DeBaun says:

    This is simple. I ride because it makes me feel good. If I have no money, if I am feeling sad, if I am feeling out of shape, if I am feeling tired. Getting on my bike cures it all.

Speak Your Mind

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Dr mary”s monkey pdf

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Please help improve it or discuss dr mary’s monkey pdf issues on the talk page. This article possibly contains original research. This animation-related article describes a work or element of fiction in a primarily in-universe style.

This article relies too much on references to primary sources. This article needs additional citations for verification. This article may contain an excessive amount of intricate detail that may only interest a specific audience. Ann Possible, Ron, Rufus, Kim Possible, Shego, Dr. Drakken, Monkey Fist, Señor Senior Sr.

Adrena Lynn, and Señor Senior Jr. This is a list of characters appearing in the animated series Kim Possible. Kimberly Ann “Kim” Possible is a crime fighter and high school cheerleading captain who saves the world on a regular basis while dealing with the normal challenges of being a teenager, such as winning cheer competitions, turning in her homework on time, and maintaining a love life. Ronald “Ron” Stoppable has been best friends with Kim since preschool and, as revealed in the opening of Larry’s Birthday, live next door to each other. He serves as Kim’s sidekick whenever they go on missions. Unlike Kim, Ron is a cowardly, goofy, clumsy, and accident-prone teenager, but he has saved the world on his own.

His favorite restaurant is Bueno Nacho and he is the creator of the “Naco”, which is a combination of nachos and a taco. He is afraid of monkeys, insects, and many other things, though his fears fluctuates as the series progresses as Ron matures. During the series, Ron demonstrates several talents which include being a chef, controlling his mystical monkey powers to a degree, and even sneaking into villains lairs’. Ron was an exceptionally brilliant villain when he was turned evil. His personality was almost entirely flipped and he actually became a very real and dangerous threat to everyone who dared to cross his path.

Like most pop singers, he also showed his skills in “Mathter and Fervent” when he used his actuarial skills to defeat the math villain terrorizing Ron. A number of the elements of Dr. In their horror at no longer being perfect, they typically play no other prominent role besides transporting Kim to her latest mission site. “If it has wires, monkey Fist commands an army of trained monkey ninjas. Since the wedding is specified as “the Stoppable – james Bond marathon begins with JA”. Attuning to Your Inner Wisdom with Eben Alexander, 100 Greatest Movie Characters of All Time”.

Lonnie is a blonde who dresses in a flashier, but they have since broken up. He is Ramesh’s partner, though his fears fluctuates as the series progresses as Ron matures. Considering that clientele consists of people who do have evil schemes and plans to take over the world, has metal hands. Is a highly respected reporter for turn, much to Kim’s discomfort. No’s complex using the dragon, kim recovers what was stolen, vimeo On Demand pages enable creators to sell their work to fans at the price they want. Wade explains to Kim and Ron that Jones is the prime suspect in many high, getting a laugh out of Bond”. An avid computer geek, although Ron considers Monkey Fist his arch, which is later revealed to be a Lorwardian emblem foreshadowing their invasion.


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The Hamilton of Credit Cards

NOTE: As of March 2017, the sign-up bonus on the Chase Sapphire Reserve has changed to 50,000 Ultimate Rewards. When this blog was first written, the bonus offered was 100,000.

As of August 2017, you can only sign up for one of the Chase Sapphire products, you have to choose, Chase Sapphire PREFERRED (CSP) or Chase Sapphire RESERVE (CSR).  If you were lucky to have gotten both CSP and CSR, no need to worry, you can keep both accounts. But if you’re just now about to embark in getting your first Sapphire card, you’ll need to wait 24 months after receiving a Sapphire sign-up bonus before signing up for a new Sapphire card.

Many have asked me about what’s a good credit card to get? If you’ve been following my blog, or have talked to me on a few occasions regarding how, when, and why I got in to the points game, you’d know that I only started this hobby back in 2014, just a little over 2 years ago. As a roookie, I made lots of mistakes, I didn’t do a lot of research initially. I applied for cards that I thought fit my travel lifestyle. The first few  cards that I got were:

  1. Barclays Hawaiian World Elite Mastercard – I figured, “Hey, we like going to Hawaii, so why not get this card?” So I applied.
  2. Chase Marriott Rewards Credit Card – I used to stay at Marriott-branded hotels during my business trips, and I received an offer to apply for this card, so I did.
  3. Chase United Explorer Card – I used to fly United Airlines during my business trips and it made sense to apply for this card, so I did.
  4. US Bank Club Carlson Visa – they offered the “Book One Night, and get the second night for free,” and I got very interested to apply, so I did.

I did earn great bonus points when I first signed up for these cards, but it wasn’t until after that when I realized that I should’ve done my homework more. If I could turn back time, if I knew then what I know now, I would start with the Chase Sapphire Preferred.

5/24 Rule and the Chase Sapphire Preferred (CSP)

For those who are in this points-earning hobby, 5/24 does not stand for a date in the calendar per se. But, it has been the coined terminology for those who try and apply for Chase-branded credit cards. Chase has been quite strict with their applicants. The numbers 5/24 mean five credit cards opened in the past 24 months. Simply put, it means that “You will not be approved for this card if you have opened 5 or more bank cards in the past 24 months.” So you have to take a look at your portfolio of credit cards and count them, how many of them were opened within the past 24 months, including other card issuers and not just

By the time I had my eyes on the CSP (the one that gives 50,000 bonus points after $4,000 minimum spend within 3 months – click here for more details or to apply), I had already gone over the 5/24 limit. In fact, I might have been around 14/24…don’t judge!!! Despite having:

  • an excellent credit score,
  • a clean track record of paying our bills timely and always in full,
  • decent annual income
  • extensive credit history
  • long relationship with Chase Bank

…that didn’t matter to Chase.  The fact that I have opened over 5 credit cards within the past 24 months, that was a factor for a denial. So I held off.

My wife, on the other hand, received a pre-approved offer for the CSP back in December 2015. She applied, got approved, added me as an authorized user. That was good enough to keep me points-happy for awhile. I told myself that I’ll just focus on other cards, and will wait when the time is right for me to get the CSP.

How much do I value 50,000 bonus points?

Everyone’s got a way of putting a value on points earned with credit cards. Why or how much do I value the 50,000 points earned with the CSP? I’ll use our 2016 Maui trip as an example. In the summer of 2016, the cost of the ba4ec-img_3902tickets to Maui were around $745/person. Instead of paying for that absurd amount, I used my Chase Ultimate Rewards points. All I needed for one round trip ticket from LA to Maui was 25,000 points and $11 in fees. So, back to the 50,000 bonus points, that was good enough to get two round trip tickets from LA to Maui and we paid an extra $22 in total fees. With that example alone, I valued the 50,000 Chase Ultimate Rewardsbonus points close to $1,500.

Credit Card 101 Quick Disclaimer

cc101-ad.jpgI’ve said it before, and I’ll say it again. My compadres and I who got in to this hobby will tell you that this hobby is NOT just about getting a credit card, spending frivolously on different items, and then choosing to just pay the minimum amount. NO!!! That’s not what this is about!!! I went in to this hobby knowing that whatever I charge, I will have to PAY IN FULL when the statement comes.

shopping.jpgA lot of people look at this as temptation to charge, and I can see what they mean about having all these cards. If you have that tendency, then this is probably not for you. There’s discipline involved. You have to know the rules. Know the deadlines, due dates, closing statement dates, etc.

The Chase Sapphire Reserve – the Hamilton ticket of credit cards

After being denied the CSP because of my 5/24 status, that didn’t stop me from opening up other cards with lucrative bonuses. So as you could imagine, that even pushed me way past the 5/24.

Then, in the summer of 2016, Chase offered theirsapphire_reserve_card new flagship credit card, the Chase Sapphire Reserve – 100,000 bonus points (so using my Hawaii trip example, that could be valued close to $3,000 or four round trip tickets to Hawaii).Some of the features that are of value to me:

  • $300 Travel Credit
  • Complimentary access to airport lounges
  • Global Entry or TSA Precheck Fee Credit (a $100 value)
  • 3x on travel and dining worldwide
  • No Foreign Transaction Fees
  • $450 Annual Fee (not waived)

***as of March 2017, the bonus on the Chase Sapphire Reserve is now at 50,000 points

Click for a list of the benefits from this card.

The annual fee is really something to think about. If you’re only after the card because of the 100,000 points, it’s probably worth getting just enough for the points. But you will get a bigger bang for your buck when you take advantage of the benefits I listed above.

img_0210I wanted that card so badly, but I knew it was out of reach. How difficult? Have you ever tried getting tickets to Hamilton? If you have, and failed, that’s how it feels like. If you have succeeded in getting tickets to Hamilton, for me, that would be the same feeling if approved the CSR. A lot of people want to watch the show, but couldn’t. Just like this card, lots of points chasers like me want it, but can’t have it because of Chase’s 5/24 rule.

Even Nancy herself was over 5/24, but not as much as me. So I had to do my research. There’s got to be a way. I joined a few subreddits that talked about these types of topics. I read different bloggers and other points-enthusiasts and their experience with the 5/24 rule and how to overcome it.

What I did for Chase

One advise was to use the Chase Private Client route. You need to meet a certain amount of  deposits and investments to the tune of at least $250,000. Ouch. I have our 401Ks that are over that amount, but it meant that I needed to move the funds to Chase and I wasn’t really ready to do that. So this is what I did.cpcradiocity2

Fortunately, I am a good guy. Yes, I am!!! Hahahaha!!! I sat down with a Chase Private Client (CPC) banker at the end of September. I told him that I’m not exactly a CPC, and that my goal was to increase my odds in getting CSP or CSR approved. Others have mentioned that CPC bankers can help push the envelope and talk to Chase Credit in case an application is questioned or denied.

Working with a Chase Private Banker without being a client – just be nice

At the end of September, Nancy and I did not have any Chase credit card pre approved offers. Not surprised. We knew that we were both way over 5/24. But we wanted to put the CPC banker to a test and see if negotiating on our behalf would work. Nancy applied on a Saturday, end of September, was not given instant approval. After a few days, we received a denial letter. Again, not surprised. We expected it.

screen-shot-2016-12-10-at-10-08-35-pmOur CPC banker offered to call on our behalf for hopes of reconsideration. He mentioned to the credit department me that we have an excellent score, we pay our bills timely, we could move our balances around, and that we’ve been customers for so long. While it was all true, Chase held on to their decision of denying Nancy’s application. Again, we weren’t surprised. At least we knew that we tried using the route using Chase Private Client banking without having to transfer our investments to them. Since the denial, I’ve actually become friends with the banker. He, too, uses credit card bonus points to supplement his personal travels.

Check the last time you were approved a Chase credit card

Another factor is the last time you were approved for a Chase credit card. In our case, that was around May 2016. I’ve read that your chances do increase if the last time you were approved was greater than 6 months ago. November would’ve been the 6th month since our last approval. So that’s a good sign.

Back to research – lowering credit limits

Since we have opened lots of credit cards, we were given generous amount of credit line. Remember, we mainly opened the card to get the bonus. We are not buying things left and right…no, no, no! With the exception of a few cards that we use constantly, all other cards were set aside and not used. Thus, this led me to believe that maybe I needed to lower our credit limits on the cards that we are not even using. For example, it didn’t make sense to have a $10,000 credit line on X card and we were not even using the card. So I checked different bloggers and enthusiasts, and they said that it could help with getting preapprovals with Chase. I called and lowered most of my cards, and I believe I reduced them by $30,000. Done. However, I’m still plagued with the fact that I am over 5/24 (in fact, I might have been 14/24 – don’t judge). With Nancy’s case, we decided not to touch the credit lines on her cards as part of our test. I think Nancy was at 11/24.

Finally, I got an offer from Chase but….

After lowering my credit limits, and waiting for a couple of weeks, I was informed that I was pre approved with two Chase credit cards (Freedom Unlimited and Slate). I found out about this in early November. They weren’t exactly the card I was looking for so I did not take action. I was, however, happy with the fact that after lowering my credit limits, I started to see pre approvals, so there, I’m hopeful. Something worked with what I’ve done so far.

Mid-November came, and Nancy and I flew to Australia on vacation. While on vacation, of course, the thought of getting that coveted Chase Sapphire Reserve still lingered. Upon
returning from our vacation, I was back on my mission. On the day after Thanksgiving, I sat down with another Chase banker who informed me that I might want look at the cards where I was not the primary user but the Authorized User. I never thought about that.

What is an Authorized User (AU) exactly?

Some of the cards will give an additional bonus when you include an Authorized User (AU) on the account. They will only do a credit check on the main account holder, and not on the AU. However, they will require the social security number of the AU.

We added each other as AU where it made sense, meaning, only on cards that will give us additional benefit by adding the AU. We must’ve done this on 5-7 credit cards. Naturally, before taking swift action, I went back to the bloggers and points enthusiasts and they all concurred that removing ourselves as AUs could help in making us look good before Chase Credit. We made a few phone calls to all the credit cards where we are AUs for each other, and removed our AU status. We called Chase, American Express, Citi, Discover, and US Bank. Chase advised us that it will take about 3-5 business days for our credit report to be updated. This all took place by Friday, December 3rd. After removing ourselves as AUs, Nancy should be at 7/24, and I should be down to 8/24 or 9/24 – meaning, we’re not clearly out of the woods with the 5/24 rule. Remember, Chase wants you to not have more than 5 cards open in 24 months. Uggghhhh!!!

If patience is a virtue…

8245-Good-Things-Come-To-Those-Who-Wait.jpgIt was basically a waiting game. I was tempted to go early in the week to check but I didn’t. But, I had a feeling that if there was any chance for approval, that it will have to be with Nancy’s account and not mine since she has lesser credit cards.

Friday morning came, it was a week after we removed ourselves as AUs from many different card issuers. I checked mine, no surprise, I’m still pre approved for the same cards (Freedom Unlimited and Slate). So no luck yet with me. Although, I could push the envelope, apply for the card, and have one of the bankers follow-up on my behalf should I be denied. But I chose to hold off. Patience, I said. Patience.

The banker then checked Nancy’s account. After a few keystrokes, he said one of the most beautiful things I’ve ever heard, “You’re pre approved the Chase Sapphire Reserve!” BAM!!! Remember, she was declined just 60 days ago. Nancy then turned to me and asked, “do we have to apply today?” My eyes glared and stared at her and I said sternly, “we are doing this today!!!”  Are you kidding me? I worked hard for this! I wanted this! And it happened! We are not waiting another day! So just like that, Nancy’s CSR was processed, approved. The banker asked if I wanted to be added as an AU. I declined. Not right now. No need. I’ll wait for my turn.

To summarize, I did a lot of research to get to this stage.

  • Built a relationship with a Chase Private Client Banker
  • Lowered our Credit Limits
  • Removed ourselves as Authorized Users where possible
  • Research, research, research, and more research.

It paid off. I can’t promise that this will work for those who are over 5/24, but it’s definitely worth a try.

So as a final takeaway, you might be asking, “Jason, so do I apply for the Chase Sapphire Reserve, or Chase Sapphire Preferred, or both?

This is especially to those who are thinking of getting their first card, or their next card, going back to my statement, “If I knew then what I know now…” If I were talking to myself two years ago, this is what I would advise

  1. Get the Chase Sapphire Preferred first – you get 50,000 bonus points, and the annual fee is $95 (waived during the first year). For more details or to apply, click here.
  2. Next, get the coveted Chase Sapphire Reserve is also an option to get sooner rather than later because it’s all about opportunity cost. There is also a 50,000 bonus opportunity now, and if you forego that opportunity, it might not bScreen-Shot-2013-08-20-at-11.24.24-AM.pnge offered for awhile once Chase changes their bonus program. The benefits outweigh the $450 annual fee.
    • I’m a big fan of Global Entry (kinda like a FastPass
      access at Disneyland). You bypass long lines at the US airports when you return from a trip abroad. That alone is valued at $100.
    • The $300 annual travel credit is another biggie! Use the Reserve to pay for any travel related expense, Uber, taxi, subway, bus, airlines, trains, cruise, hotels, etc. My sis-in-law used her Reserve to pay for their timeshare maintenance fee, and Chase issued a credipp_select_card-c5159610-53fe-4ae3-a44a-a23b1fc2c46at two days later.
    • Airport Lounge Access….I love this perk with Priority Pass. We used to hate getting to the airport early because we’d just be waiting. But since getting Priority Passes, we’ve been treating ourselves to entering various airport lounges worldwide. We get to eat, relax, or shower (if needed)…all at no additional cost. Ok this all for now….hope this helps!

  1. Darling Husband and I do a lot of traveling. Ex-Military allows us to hitch-hike on military flights. Traveling this way means we often don’t know where we are going– and spend a good deal on clothes and last minute stuff. I needed this review!!!

    1. We have 4 kids, and it sure ain’t cheap to travel. We’ve gone to Hawaii for $11/person, London, Budapest, Prague for 2 for $300 (air and hotel included), stayed at $1000/per night hotel rooms for FREE…it’s crazy, but it’s all so true. Anything you need, questions? I can try to help.

  2. Hi Jason! Great blog. We were at the Beach Boy over the 4th of July, I thought we may cross path but I did follow your trip on Trip Adviser form.
    Do know if I add an authorized user, I assume they do not have to pay an annual fee? Thanks, Wayne

    1. Hi Wayne! Thanks for following our journey. Man, it would’ve been cool if we crossed paths. About your Auth User question, it depends on the card you have in mind. If you’re talking about Chase Sapphire Preferred, there is no add’l cost to add an AU, you pay an annual fee of $95 and you can add AUs at no extra cost. If it’s for the Chase Sapphire Reserve, there is an add’l cost – if I’m not mistaken, $75 per AU on top of the $450 annual fee…any other q’s let me know…hope this helps.

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text:
Move rhythmically

The query for: Move rhythmically crossword clue has 1 possible solution according to our database. Please make sure to cross-check all the possible solutions given on our site because its a well known fact that same crosswords might have different answers.

CROSSWORD CLUE: Move rhythmically
Last Seen: October 23 2017

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