Best Buy will be increasing the number of stores with Oculus Rift demos to 500 for this upcoming holiday shopping season, the retailer has announced. This is a steep increase over the 48 store demos that were announced in May, will give more consumers the opportunity to find out what VR is like for themselves. In addition to the 500 … Continue reading
Ten startup teams are holed up in Minneapolis through next month to use a new retail-focused accelerator there to launch everything from voice-based search technology for retailers to interactive games that help kids learn STEM concepts. Their worksp…
Apple’s done a lot to curb iPhone theft via the “Find my iPhone” feature and encryption that locks out users if an incorrect code or fingerprint is used too often. However, it’s thinking about getting more proactive, judging by a recent patent applic…
This post was done in partnership with The Wirecutter, a buyer’s guide to the best technology. Read their continuously updated list of deals at TheWirecutter.com.
You may have already seen Engadget posting reviews from our friends at The Wirecutter….
The current boom in fintech is rapidly changing the financial services industry and the way we manage our finances. Mobile banking, low-cost online money transfers, budgeting apps, cryptocurrencies, digital payments have all been recent developments out of the fintech sector. However, it is not only the ways we bank and handle payments that are changing. The way we invest our money is also transforming.
In this post, you will be introduced to three new ways through which the fintech sector enables us to invest our money.
Robo-Advisors
An entirely new form of managing your financial investments comes from so-called ‘robo-advisors’. Robo-advisors are online wealth management companies that offer automated algorithm-based investment portfolio construction and investment advice without the need of a human financial advisor.
To invest using the help of a robo-advisor, investors sign up to their online platform with their personal details and fill out a risk assessment questionnaire to determine one’s risk classification. Once the risk assessment is complete, the robo-advisor’s algorithm computes a diversified low-cost ETF-based portfolio. ETFs (exchange-traded funds) are investment funds that track the performance of an underlying basket of securities, such as the FTSE100 UK stocks index. If the investor is happy with the portfolio and its expected risk/return profile, funds are deposited in the account and the robo-advisor invests the money in the prescribed portfolio for the investor.
Furthermore, robo-advisors will automatically rebalance portfolios to accommodate market developments and all for a substantially lower fee than independent financial advisors or fund management companies. Therefore robo-advisors are becoming increasingly popular with younger smart-phone savvy investors who are used to doing ‘everything’ online and those who prefer a hands-off approach to long-term investing.
Leading robo-advisors in the UK include NutMeg, MoneyFarm, Wealth Horizon and Fiver A Day.
D.I.Y. Online Trading
Alternatively, to investing using a robo-advisor, individuals can also invest in the financial markets, using a ‘do-it-yourself’-approach through the use of online brokerages. Online brokerages offer low-cost access to a wide range of financial securities and geographical markets, which have previously only been available to institutional investors and ultra-high net worth individuals.
According to Mark Priest, Head of Index & Equity Market Making at ETX Capital, “small investors are increasingly looking to take control of their financial investments and no longer want to rely on the guidance of costly financial advisors. With the emergence of low-cost online brokerages, small investors can now invest in stocks, bonds, commodities, currencies and indices without having to go through a traditional financial intermediary, such as a bank or fund management company.”
Leading UK-based online brokerages include IG Markets, ETX Capital and Interactive Brokers.
Peer-to-peer Lending
Another brainchild of the fintech sector that is changing the way we invest is peer-to-peer lending. Peer-to-peer lending refers to borrowing and lending of funds on a peer-to-peer basis. In other words, SMEs, start-ups and individuals can receive debt funding from a wide range of private individuals through the use of online peer-to-peer lending platforms. The lenders, on the other hand, can generate high fixed income returns on their peer-to-peer loans, as they carry a higher risk than traditional fixed income securities, such as gilts or corporate bonds. Due to the current low interest rate environment in the bond market, investors are increasingly looking at peer-to-peer loans to generate higher yields.
Investors are now also able to invest their money into a peer-to-peer ISA to receive tax-free returns on their peer-to-peer investments as regulators have acknowledged the benefits of this new form of investing, due to its positive impact on SME lending.
The largest peer-to-peer lenders in the UK include Funding Circle, Zopa and RateSetter.
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Why are we facing so much ambivalence when so much is at stake? One painful answer is that we have a status quo presidential candidate who seems to be both unexciting and inevitable, while the other is “unpopular” among the intelligentsia and “politically correct” for putting everything we value at risk, including human dignity itself. Neither seems to show up consistently on a human level that is inspiring. The political process itself seems to have lost dignity. No leader is immune to instant media. And the slow death of dignity in our times is not solely due to our leaders. Leaders are representatives of the culture, or of a certain camp of followers. As we are seeing, the loudest mob in any camp is simply the most agitated.
This recognition of the risk of mob rule by our forefathers is why our political system is not purely democratic. They must have foreseen the possibility that an insane level of agitation could trigger a movement so strong that it could prevail against common sense and human dignity. Super-delegates and the Electoral College system were designed to reduce this danger. However, if the members are simply reactionary against any new wind of change, then that safeguard may be counterproductive. Meanwhile dysfunction in DC expresses itself in the general loss of dignity as a public standard. The checks and balances have become as divisive as refugee camps, where families in pursuit of freedom are caged in. Instead political camps are trapped by their own sound bites, polarized into stalemates, void of real content. In this barren soulscape few appear to be truly free to express themselves wisely.
Perhaps we can blame this loss of dignified and substantive debate on the imposition of TV in the fifties. I remember the first televised debate between Nixon and Kennedy in 1960, which might have been won on sheer looks alone. JFK was wiry and tanned with a handsome smile. Nixon needed makeup and looked like a nervous ghost. Something both subliminal and shallow was taking the place of considered conversation in our homes. Concurrently, the rhythms of family life had been superseded by bland shows like Father Knows Best and My Three Sons etc. Decade by decade our experience of one familiar visual setting in life became one familiar virtual setting per hour (for example: the set of I Love Lucy). Then this was replaced by two camera perspectives, then three and more. The stories were interrupted by Ronald Reagan selling Boraxo Soap or a ditty about Alka Seltzer. It seemed harmless and digestible.
Then the settings and perspectives multiplied until the digital frames per second overwhelmed our ability to remember what we had seen. Who knows what subliminal messages have been slipped into our innocent psyches? Marshall McCluhan in The Medium is the Message had uncovered DRINK SODA and EAT POPCORN spliced into movie footage already in the 60’s.
Today, without familial rhythm, without contiguous memories of reality, we continue our flight for freedom, filling our heads with endless internet knowledge. No more can knowledge provide one with distinguishable dignity since almost anyone can find out almost anything just as easily. This includes images that had heretofore been forbidden. Swamped by excesses we become refugees from the quiet of our own thoughts, fenced in, not by our limited experience, but by more and more eye candy and snippets of information. The most shocking news proliferates and is fed instantaneously to the eagerly awaiting masses, starved for something to remind us that we could once feel.
I am not alone noticing the stark imposition of smart screens stealing the eyes of lovers who no longer seem to converse. Texting seems so urgent and the alphabet of imogis will likely replace smiley faces with more violent expressions encapsulating our darkest feelings. Humor seems to depend on the bleeps blocking sexual references and bathroom trash.
But this liberation from standards is not all bad. Ultimately the death of dignity is not only about the death of political correctness. It is part of a global refugee march, the crossing of lines that were forbidden, as humanity looks for something new and better. The breaking through of boundaries is part of the “flat world”: a global equalizing process. Throwing the baby of human dignity out with the bathwater of burning dissatisfaction is inevitable, but it must be recovered if humanity itself is to survive.
Taking away the rule-book does not mean we have to play without rules. The alternative is to rebuild, not physical walls to define borders between us, not concrete compounds or refugee camps, but platforms without borders, in unlimited variation: individual initiatives that create a better world.
Starting from where each one lives, our dignity lies in how we transform this given circumstance, investing time and money across borders, across the political aisle, across cultural barriers. We are each unique and perhaps this makes us feel limited or even insignificant, but in crossing borders we may become larger than life, and express what is greatest in this human race.
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Ann Coulter, infamous right-wing pundit and author of books like Slander: Liberal Lies About The American Right, High Crimes And Misdemeanors: The Case Against Bill Clinton and the lesser known The Poky Little Puppy Is A Drain On Our Economy And Should Be Put Down, doesn’t have many fans on either side of the aisle.
Now she’s going to be taking part in the “Comedy Central Roast of Rob Lowe.”
Yep, this is going to go really well.
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Hillary Clinton tied Donald Trump to the “alt-right,” a white people’s movement that isn’t racist, it just thinks white people are better. The National Parks Service is commemorating its 100th birthday, and you should celebrate by going to the Grand Canyon before Trump covers it in 14K gold. And Maine Gov. Paul LePage said he keeps a binder full of mugshots of black and Hispanic drug dealing suspects, showing that the Republican party has come a long way from the days of Mitt Romney’s binders full of women. This is HUFFPOST HILL for Thursday, August 25th, 2016:
WAYBACK MACHINE: THAT TIME THE HEAD OF THE GOP APOLOGIZED FOR EXPLOITING RACIAL POLARIZATION – Mike Allen on July 14, 2005: “It was called ‘the southern strategy,’ started under Richard M. Nixon in 1968, and described Republican efforts to use race as a wedge issue ― on matters such as desegregation and busing ― to appeal to white southern voters. Ken Mehlman, the Republican National Committee chairman, this morning will tell the NAACP national convention in Milwaukee that it was ‘wrong.’ ‘By the ‘70s and into the ‘80s and ‘90s, the Democratic Party solidified its gains in the African American community, and we Republicans did not effectively reach out,’ Mehlman says in his prepared text. “Some Republicans gave up on winning the African American vote, looking the other way or trying to benefit politically from racial polarization. I am here today as the Republican chairman to tell you we were wrong.’” So vintage. [WaPo]
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HILLARY CLINTON GOES AFTER TRUMP’S ALT-RIGHT WEIRDOS – From her speech in Reno: “Anti-Muslim and anti-Immigrant ideas –– all key tenets making up an emerging racist ideology known as the ‘Alt-Right.’ Alt-Right is short for ‘Alternative Right.’ The Wall Street Journal describes it as a loosely organized movement, mostly online, that ‘rejects mainstream conservatism, promotes nationalism and views immigration and multiculturalism as threats to white identity.’ The de facto merger between Breitbart and the Trump Campaign represents a landmark achievement for the ‘Alt-Right.’ A fringe element has effectively taken over the Republican Party…. On David Duke’s radio show the other day, the mood was jubilant. ‘We appear to have taken over the Republican Party,’ one white supremacist said. Duke laughed. There’s still more work to do, he said. No one should have any illusions about what’s really going on here. The names may have changed… Racists now call themselves ‘racialists.’ White supremacists now call themselves ‘white nationalists.’ The paranoid fringe now calls itself ‘alt-right.’ But the hate burns just as bright.” [HuffPost]
DONALD TRUMP: I AM NOT RACIST, HILLARY CLINTON IS RACIST – Igor Bobic: Republican presidential nominee Donald Trump on Thursday criticized his Democratic opponent, Hillary Clinton, for falsely accusing him and GOP voters of racism. ‘It’s the oldest play in the Democratic playbook. When Democratic policies fail, they are left with only this one tired argument,’ Trump said at a campaign rally in New Hampshire. ‘You’re racist, you’re racist, you’re racist. It’s a tired, disgusting argument. And it’s so totally predictable.’ ‘She lies, and she smears, she paints decent Americans — you— as racists,’ he added, a day after he himself called Clinton a ‘bigot’ who “sees people of color only as votes not as human beings worthy of a better future.’” [HuffPost]
WHAT A WEEK FOR THE ALT-RIGHT! Best week in Washington. Rosie Gray and Andrew Kaczynski: “On a day when the alt right is likely to become more famous than it’s ever been before, the movement is also facing a disorienting shift on its key issue by its favored candidate. On one hand, Hillary Clinton is set to give a speech today tying Donald Trump to the movement — a moment that will undoubtedly raise their profile and which casts them as central characters in the election. On the other, Trump has pivoted hard on immigration, reversing his stance on deportations. And Trump’s hard-line positions on immigration had been a key cause of the alt right’s devotion to him. On the week of possibly the alt right’s biggest victory, it’s also dealing with possible betrayal. ‘Trump has been so good for my cause that I’m able to be very tolerant and patient with him,’ said Richard Spencer, the president of the National Policy Institute, a white nationalist think tank, in an email to BuzzFeed News. ‘My tolerance and patience is huge. No one is more tolerant and patient than I am.’” [BuzzFeed]
HOW THESE WEIRDOS IMAGINE THEMSELVES – As heroes, of course. Here’s what alt-righters Allum Bokhari and Milo Yiannopoulos said of their movement in March: “Young people perhaps aren’t primarily attracted to the alt-right because they’re instinctively drawn to its ideology: they’re drawn to it because it seems fresh, daring and funny, while the doctrines of their parents and grandparents seem unexciting, overly-controlling and overly-serious….Millennials aren’t old enough to remember the Second World War or the horrors of the Holocaust. They are barely old enough to remember Rwanda or 9/11. Racism, for them, is a monster under the bed, a story told by their parents to frighten them into being good little children.” [Breitbart]
Like HuffPost Hill? Then pre-order Eliot’s book, The Beltway Bible: A Totally Serious A-Z Guide To Our No-Good, Corrupt, Incompetent, Terrible, Depressing, and Sometimes Hilarious Government
MEET TRUMP’S VOTER FRAUD FOOTSOLDIERS – Voter fraud is “inevitable,” says Lauren Essex, who plans to volunteer as a poll watcher for Donald Trump in Florida on Election Day. “It’s happened before in various elections and it can happen again,” Essex told The Huffington Post. For the Republican primary election in March, Essex was accepted as a poll watcher for Trump in Collier County, Florida, although she said she only made phone calls for the campaign. But as a hopeful November volunteer, Essex is one of the supporters Trump is trying to recruit to “stop crooked Hillary from rigging this election!” As Trump struggles in the polls, he has suggested that voter fraud ― an incredibly rare crime ― will be partly to blame if he loses. His racially charged rhetoric speaks to some white supporters who fear their votes will be taken by immigrants and voters of color. Trump wants these supporters to join his campaign as poll watchers. But election experts worry they won’t follow the rules and are going to cause trouble. [w/ HuffPost’s Dana Liebelson]
THIS IS SO AWKWARD FOR JOE MANCHIN! Awkward in the sense that he is part of a legislative body that has deliberately made prescription drugs extremely profitable for rich companies and unaffordable for regular people. So awkward! “Mylan CEO Heather Bresch struggled Thursday to justify the repeated big price hikes of the company’s lifesaving EpiPen devices as criticism continued that Mylan is gouging consumers with a retail cost of more than $600. ‘No one’s more frustrated than me,’ Bresch told CNBC’s ‘Squawk Box’ on Thursday when she was pressed on the question of why Mylan needed to have such a high price for EpiPens, and why she just didn’t cut their price. ‘Everybody should be frustrated,’ said Bresch, who in recent days has come under fire from U.S. Senators, Democratic presidential nominee Hillary Clinton and patients who are outraged by EpiPen’s skyrocketing cost.” [CNBC]
HAPPY BIRTHDAY, NATIONAL PARKS! YOU’RE OLD AF – Kate Sheppard: “Thursday marks the 100th anniversary of the National Park System, which has been described as ‘America’s best idea.’ Today the National Park Service oversees 409 sites, 23 national trails and 60 ‘wild and scenic’ rivers. These parks are among the country’s most prized assets ― enjoying high public regard and record attendance last year, with 307 million visitors. But they also face a nearly $12 billion backlog on maintenance. Repairs and upgrades to paved roads, bridges, and parking lots make up nearly half of that backlog. Another half involves the parks’ facilities, including dams, utility systems and amphitheaters. Funding for the National Park Service has fluctuated slightly in recent years, but hasn’t kept pace with needs.” [HuffPost]
Last night Trump completely softened his stance on immigration, saying he’d give undocumented immigrants legal status if they paid back taxes, which is much different than deporting them.
ARE YOU OKAY, CONSERVATIVE TALK RADIO? Igor Bobic: “Conservative talk radio has long been an influential bastion of anti-immigrant sentiment. When Sen. Marco Rubio (R-Fla.) backed a bipartisan effort to pass comprehensive immigration reform in 2013, prominent talk show hosts lashed out at the GOP darling, calling him a sell-out and pressuring him to reverse his position. But mere hours after Donald Trump appeared to walk back his stance on immigration ― the GOP nominee’s signature issue ― in favor of a plan for granting undocumented immigrants legal status, prominent voices in the conservative talk show circuit responded with hardly more than a shrug. ‘Is Donald Trump now Jeb Bush? I don’t think most people think that,’ Laura Ingraham said Wednesday on her radio show, referring to the former Florida governor’s immigration plan that included giving undocumented immigrants legal status. ‘They did make a mess of this immigration rollout or whatever it is they’re rolling out,’ Ingraham added, but the ‘reason it’s a problem is not because his supporters will leave him, but that actually it takes the heat off of Hillary [Clinton].’” [HuffPost]
@EricCantor: Pleased to see @realDonaldTrump embrace @JebBush’s immigration plan.
ANN COULTER SAD – Jonathan Swan: “Donald Trump ‘panicked’ when he said he was open to softening his immigration policies, according to conservative pundit and Trump ally Ann Coulter. ‘It’s just rhetoric but it’s still annoying,’ Coulter told The Hill Wednesday night. ‘I think he panicked and he had to say [it] … I don’t think he is softening. I mean the big thing is the wall.’ Coulter, a hardline opponent of illegal immigration and one of Trump’s most prominent media backers, was speaking to The Hill at a party to launch her new book, ‘In Trump We Trust: E Pluribus Awesome!’” [The Hill]
CLINTON REALLY WANTS TO MUTE THIS THREAD – Hillary Clinton is running out of ways to say the same thing. Theodore Schleifer and Dan Merica: “’I have been asked many, many questions in the past year about emails and what I have learned is that when I try to explain what happened, it can sound like I am trying to excuse what I did. And there are no excuses. I want people to know that the decision to have a single email account was mine. I take responsibly for it. I apologize for it. I would certainly do differently if I could.’” [CNN]
BECAUSE YOU’VE READ THIS FAR – Sweet national park pics.
NATIONAL DIALOGUE ON RACE CONTINUES – Maine Gov. Paul LePage (R) said Wednesday that for the past seven months he has been keeping a dossier of drug dealers arrested in his state to justify an earlier comment linking drugs and race. In a January conversation about Maine’s heroin problem, LePage said “guys with the name D-Money, Smoothie, Shifty” bring drugs from New York and Connecticut and “impregnate a young white girl before they leave.” At a town hall in North Berwick on Wednesday, the Portland Press Herald reported, a man who identified himself as a businessman from New York asked the governor how the state could attract investment given the “toxic environment” created by LePage’s comments. “I made the comment that black people are trafficking in our state. Now, ever since I said that comment I’ve been collecting every single drug dealer who has been arrested in our state,” LePage said, adding the man would be welcome to see the binder. (You can hear the exchange on the Portland Press Herald’s website.) “I don’t ask them to come to Maine and sell their poison, but they come,” LePage said. “And I will tell you that 90-plus percent of those pictures in my book ― and it’s a three-ringed binder ― are black and Hispanic people from Waterbury, Connecticut, the Bronx and Brooklyn.” [HuffPost]
CHAFFETZ TAKES BREAK FROM HASSLING HILLARY TO HASSLE TRUMP – Former Brigham Young University placekicker and current Republican congressman Jason Chaffetz wants to know how much money Donald Trump makes. Ben Walsh: ‘”You’re just going to have to do that, it’s too important,’ Chaffetz said on CNN. ‘If you’re going to run and try to become the president of the United States, you’re going to have to open up your kimono and show everything, your tax returns, your medical records.’” [HuffPost]
COMFORT FOOD
– This underwear ad is really upsetting ― don’t say we didn’t warn you.
– Enjoy these one-star reviews of our national parks.
– Katie Ledecky hurled a strike at a Nationals game. See how hers stacks up to other ceremonial first pitches.
TWITTERAMA
@jess_mc: Alright, dude who called me a bimbo’s top tweet is “Aromatherapy in Your Bathtub ― Blogging About What Matters.” I wanted to share.
@brianbeutler: Do you think instead of condemning the alt-right today, Clinton will try to persuade them the Great August Pivot turned Trump into a cuck?
@DanSlott:
I love you all,
but for the love of God,
it’s “Spider-Man”.
With a HYPHEN.
S P I D E R – M A N
Got something to add? Send tips/quotes/stories/photos/events/fundraisers/job movement/juicy miscellanea to Eliot Nelson (eliot@huffingtonpost.com) or Arthur Delaney (arthur@huffingtonpost.com).
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Image Credit: Nils Nilsen/USA Triathlon
Everything I’ve done over the course of the last four years was to prepare me for the moment I stepped onto the sand at Copacabana Beach in Rio. I am a two-time International Triathlon Union World Champion and a 2012 Olympian. And on Aug. 20 I won the triathlon at the 2016 Olympic Games in Rio — earning America’s first gold medal in the event.
From my training and recovery, to my diet and rest, the work I put in to make me a better swimmer, cyclist and runner has been an always-on job. Quality, not quantity, of rest and recovery is an athlete’s real winning secret. I train every day of the week because I enjoy the challenge of pushing myself out of my comfort zone, but I’ve never lost sight of the fact that to be successful, I need to invest in myself during and beyond my workouts every day.
My Workout
I start my mornings by going for a 30- to 40-minute jog to get my body moving. Once my blood is pumping and I feel awake, I have a high-protein breakfast (oatmeal with added coconut oil, a handful of nuts and a couple of poached eggs to top it off). After sitting down to answer a handful of emails while my breakfast settles, I start my morning training — a 90-minute swim session.
Typically, I train in the pool five days a week; a sixth day is dedicated to an open-water session to mimic race day conditions. A pool workout includes anywhere from 3,000 to 6,000 meters, either strength-based work pulling paddles, or aerobic and front-end sprints for speed.
Image Credit: Nils Nilsen/USA Triathlon
I reserve my bike workouts for the afternoon, heading out for a few hours to do some 4×4 minute drills (four-minute sprint uphill followed by four-minute recovery downhill), intermixing a strength and core exercise session. It’s a long, exhausting day. Thankfully, I’ve really honed my recovery routine, chiefly through revitalizing sleep.
My Recovery
In addition to staying off my feet at the end of a long day of workouts, quality sleep is the next vital piece to my triathlon training. I try to get eight to 10 hours of rest each night; following those few nights when I don’t hit that mark, I’m not able to perform at my best the next day.
I’ve learned to make sleep a priority by sticking to my personalized bedtime routine. I try to go to bed by 9 p.m., keeping the room dark and the outside noise to a minimum. I’ve nixed my bad sleep time habits in favor of quality ones, thanks to Sleep Number’s SleepIQ app. It’s taken some practice, but I know that a good night’s sleep leaves me refreshed and energized, rather deflated and crabby because of poor sleep.
My Support
Between workouts, I am (unsurprisingly) hungry and tired. Between my morning swimming and cycling sessions, my husband, Patrick, makes lunch (my go-to favorite, rice with sautéed fresh vegetables and beef). It’s a simple gesture, but it allows me to stay off my feet for several hours so I can give my body a much-deserved rest between workouts.
I am fortunate to have Patrick’s support throughout this process; many other athletes spend critical recovery time doing things like meal prep and cleanup themselves. A while back, I noticed that the more Patrick handled the shopping, food preparation and housework, the better I felt during my training sessions. I was seeing the benefits of proper recovery.
In hindsight, I’ve had the best support to lean on during my build-up to Rio. From trainers and coaches, to sleep experts and my friends and family, their support enabled me to focus on the quality of my race, and the excitement of my win.
Just like diet and exercise, sleep is unique to each person and important for optimal health. Sleep Number® beds adjust on each side to your ideal level of firmness, comfort and support — your Sleep Number® setting. And when you add SleepIQ® technology you’ll know what to adjust for your best possible sleep.
Watch more below…
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If you just found out you are pregnant or you are going through the first three months of your pregnancy , this video is for you. I have been recording my journey so far to share it all with you. As you may know,for the first three months of your pregnancy you feel exhausted and sleepy and it can be nerve wracking waiting for the first baby scan. Some women do suffer from morning sickness, others, do not. My message is to enjoy it all, the good and the bad, as it is a unique and rare moment in a woman’s life. Don’t allow fear to spoil it for you.
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