![]() ![]() Two customers may experience a similar problem, but one may have had to go to more time and trouble than the other. We look at complaints on a case-by-case basis and consider the customer’s individual circumstances when considering an award. We will only require an award when the business has caused significant distress and/or inconvenience. The fact that a customer has had to spend time pursuing their complaint or is upset by something that has happened is not in itself a reason for an award. When deciding whether to make an award, we look at the impact a problem has had on the customer – rather the nature or severity of the problem itself. How does Ombudsman Services decide whether to make a financial award? A customer who is left without service for a prolonged period due to a fault or error would fit this description. ![]() Time means the inconvenience, hassle or irritation caused to a customer by the actions of a business. ![]() An example of ‘trouble’ would be an energy supplier threatening to disconnect a customer without justification. When we talk about trouble, we mean the distress, disappointment, worry, anxiety or upset caused by how a business has behaved. ![]()
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![]() ![]() The key is that it be speculative, not that it fit some arbitrary genre guidelines. History, Postmodern Lit., and more are all welcome here. Not sure what counts as speculative fiction? Then post it! Science Fiction, Fantasy, Alt. Canticle for Leibowitz Rendezvous with Rama Princess of Mars Altered Carbon Foundation Blindsight Accelerando Old Man's War Armor Cities in Flight A Brave New World Children of Dune Stranger in a Strange Land Dhalgren Enders Game Gateway A Fire Upon the Deep Neuromancer A Clockwork Orange Ringworld Diamond Age Lord of Light Hyperion Startide Rising Terminal World The Forever War Hitchhiker's Guide to the Galaxy The Hunger Games Left Hand of Darkness Man in the High Castle The Martian Chronicles The Player of Games The Shadow of the Torturer Sirens of Titan The Stars my Destination To Your Scattered Bodies GoĪ place to discuss published Speculative Fiction ![]() ![]() ![]() This edition of The Total Money Makeover includes new, expanded “Dave Rants” that tackle marriage conflict, college debt, and so much more. Secure a healthy nest egg for emergencies and set yourself up for retirement.Recognize the 10 most dangerous money myths.Break bad habits and make lasting changes when it comes to your relationship with money.Design a sure-fire plan for paying off all debt–from your cars to your home and everything in between.The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: ![]() This is the financial reset you’ve been looking for. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. If you’re tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people learn how to develop everyday money-saving habits with the help of America’s favorite finance coach, Dave Ramsey.īy now, you’ve already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. ![]() ![]() ’Exciting, empowering and un-put-downable. Buy now Add Audible narration to your purchase for just £2.99 Deliver to your Kindle or other device Follow the author Richelle Mead Bloodlines: The Ruby Circle (book 6) Kindle Edition by Richelle Mead (Author) Format: Kindle Edition 1,737 ratings Book 6 of 6: Bloodlines Kindle Edition £4. ![]() ![]() Meanwhile, Adrian becomes enmeshed in a puzzle that could hold the key to a shocking secret about spirit magic, a secret that could shake the entire Moroi world. When the life of someone they both love is put on the line, Sydney risks everything to hunt down a deadly former nemesis. They protect vampire secrets – and human lives.Īfter their secret romance is exposed, Sydney and Adrian find themselves facing the wrath of both the Alchemists and the Moroi in this electrifying conclusion to Richelle Mead’s New York Times bestselling Bloodlines series. ![]() Sydney Sage is an Alchemist, one of a group of humans who dabble in magic and serve to bridge the worlds of humans and vampires. ![]() Bloodlines: The Ruby Circle is the epic conclusion to Richelle Mead’s bestselling Bloodlines series, set in the world of Vampire Academy – NOW A MAJOR FILM. ![]() ![]() ![]() ![]() I have an impression from the story of The Summer Moon novel that Malia is a brave and adventurous woman. She is obedient to her mother, except in this Florida matter. ![]() She desires to meet her father in Florida. She used to live with her mother in New York and formed a failed relationship with the most popular boy at her school there. Malia is a 5’5″ human female character in The Summer Moon novel. Part 1: Meet The Characters Of The Summer Moon Malia Part 3: Meet The Author Of The Summer Moon.Part 1: Meet The Characters Of The Summer Moon.As we read through the stories of The Summer Moon novel, we know one of Malia’s friends is also a relative to Ty (Tyrese’s nickname for the whole story). ![]() Later on, we find out that Tyrese is an Alpha from the Blood Eclipse pack who has been assigned to give a territory map to John Taylor, Malia’s father. Both of them fall in love quickly, and the physical chemistry is just so great. Soon as she arrived at the airport, she met the handsome-looking Tyrese. However, the now-17-year-old Malia of The Summer Moon decides to take a brave step in packing her belongings to find her father in Florida. Since then, Malia’s mother has always prevented her to see her father in Florida by insisting Malia live in New York with her mother and using her already-broken relationship with one of the most popular boys at a New York school to prevent her from going to Florida. The Summer Moon tells us a story about Malia, a beautiful and obedient teenage girl whose mother has split with her father since she was 4. ![]() ![]() ![]() But the constellation collectively shaped by those characters’ stories reveals profound, bewitching truths about the vast, sometimes cruel, sometimes loving, possibilities of human nature." Ĭommon Sense Media gave the novel five stars, calling it a "haunting and unforgettable novel of love, loss, and hope." If that sounds esoteric, never fear: Ruby’s well-wrought, multifaceted characters, both living and dead, are front and center of this moving novel. ![]() īooklist's Sarah Hunter highlighted how "Ruby’s delicate, powerful storytelling-it’s as if each word carries deliberate weight-draws out potent connections among women living in different eras, and the places where their stories overlap captivatingly demonstrate the varied ways anger, love, strength, vengeance, and forgiveness appear. School Library Journal's Liz Overber wrote that "powerful plotting, masterful character development, and a unique narrative device set this work apart." She compared the novel to Code Name Verity and The Book Thief. Thirteen Doors, Wolves Behind Them All received starred reviews from School Library Journal and Booklist. ( April 2023) ( Learn how and when to remove this template message) ![]() ![]() ![]() ![]() In 2015, she participated in the International Writing Program's Fall Residency at the University of Iowa, in Iowa City, IA. ![]() Her books are published by Tramp Press in Ireland and Heinemann in Britain. She has received a Literary Fellowship from the Lannan Foundation in Santa Fe, New Mexico. She studied fine art at Dun Laoghaire College of Art and Design and creative writing at Trinity College, Dublin from where she was awarded her MPhil. When she was four years old, they moved to County Cork, Ireland. As her parents travelled around in a caravan, Sara Baume was born "on the road to Wigan Pier". Her father is of English descent while her mother is of Irish descent. She was named on Granta magazine's "Best of Young British Novelists" list 2023. Sara Baume (born 1984) is an Irish novelist. Dún Laoghaire Institute of Art, Design and Technology ![]() ![]() ![]() Xingyin works undercover to free her mother, while others plot against the Kingdom but the Emperors are also staging a malicious plan. She befriends the Crown Prince Liwei, the Captain of the Celestial Army and she learns more about magic while disguising herself as an archer. ![]() Xingyin discovers she has magic and her skills for archery which she inherited from her father and works hard to get enough status to bargain her mother's freedom. ![]() Soon when her existence is discovered by the Celestial Emperor, she flees from her only home to the Celestial Kingdom and swears to free her mother from imprisonment. Her mother Chang'e became the moon goddess when she drank her husband's elixir and she lost her husband and was granted immortality but the Celestials - 'gods' became angry and imprisoned her in the Palace where she hides her secret daughter, Xingyin. Her existence has been kept secret for years from the other's in the Celestial Kingdom unaware of her mother's history. ![]() Xingyin is an immortal and has lived in Isolation with her mother. It follows Xingyin as she embark on a journey to free her mother from the ruthless Celestial Emperor. Published on 11 January 2022 by Harper Voyager, an imprint of HarperCollins, it is the first book in a planned duology. Tan's debut novel was inspired by Chinese mythology and the legend of the moon goddess Chang'e. Daughter of the Moon Goddess is a 2022 adult fantasy novel by Malaysian writer Sue Lynn Tan. ![]() ![]() If the overgrown vampire didn’t stop staring at her, even his talent with a sword wouldn’t keep his head upon his shoulders. ![]() Yet when Nikolai realizes he wants far more than vengeance from Myst and frees her, will she come back to him? Excerpt Now that she’s his for the taking, he intends to make her experience first-hand the agonizing, unending lust she subjected him to for half a decade. She eludes him for five years, but he has finally chased her to ground and stolen her enchanted jewel, giving him absolute power over her. ![]() Denying him, she flees, struggling to forget his searing, possessive kiss. ![]() Wroth provides her with the perfect opportunity to torment her sworn enemy-for with his new heartbeat comes a consuming sexual desire that can only be slaked by her. Coldly interested only in the power his Bride will bring, he can hardly believe when Myst the Coveted awakens him body-and soul.įamed throughout the world as the most beautiful Valkyrie, Myst has devoted her life to protecting a magical jewel and to fighting the vampires. ![]() Nikolai Wroth, a ruthless Vampire general, will stop at nothing to find his Bride, the one woman who can “blood” him, making his heart beat and filling him with strength. Discover a dark and wicked new world in Kresley Cole’s remastered tale “The Warlord Wants Forever,” the first scorching installment in her #1 New York Times bestselling Immortals After Dark series. ![]() ![]() ![]() Inhabited by characters who are wise and loony, unimpeachably pious and deliciously irreverent, Cold Sassy, Georgia, is the perfect setting for the debut of a storyteller of rare brio, exuberance, and style. Olive Ann Burns has given us a timeless, funny, resplendent novel – about a romance that rocks an entire town, about a boy’s passage through the momentous but elusive year when childhood melts into adolescence, and about just how people lived and died in a small Southern town at the turn of the century. He gets run over by a train and lives to tell about it he kisses his first girl, and survives that too. ![]() Set in 1906, it tells of a scandal that consumes this small town where privacy is a myth. As the newlyweds’ chaperone, conspirator, and confidant, Will is privy to his one-armed, renegade grandfather’s second adolescence meanwhile, he does some growing up of his own. Cold Sassy Tree is an account of the lives and experiences of mischievous and fun-loving 14-year old Will Tweedy, his irreverent and intimidating grandfather, and the locals in the town of Cold Sassy, Georgia. Boggled by the sheer audacity of it all, and not a little jealous of his grandpa’s new wife, Will nevertheless approves of this May-December match and follows its progress with just a smidgen of youthful prurience. And young Will Tweedy suddenly finds himself eyewitness to a major scandal. ![]() Rucker Blakeslee announces one July morning in 1906 that he’s aiming to marry the young and freckledy milliner, Miss Love Simpson – a bare three weeks after Granny Blakeslee has gone to her reward – the news is served up all over town with that afternoon’s dinner. ![]() The one thing you can depend on in Cold Sassy, Georgia, is that word gets around – fast. ![]() |