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Management Software Guide for Same Day Payday Loans

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Management Software Guide for Same Day Payday Loans

According to research, payday loans are used by around 12 million Americans each year to bridge cash flow shortages. This equates to a total of $9 billion in ConsolidationNow borrowing fees.

If you provide financial services, it is one product you should surely offer.

Payday loans are a sort of short-term borrowing in which you give high-interest credit to your customers based on their earnings. Borrowers can ask for up to $1000.00 in principal, a percentage of their next paycheck. Payday loans are still popular for various reasons, despite the high annual percentage rate (APR) charged, which can reach 400 percent.

Short-term loans are popular for various reasons, including: 

  • Lenders rarely conduct credit checks or require collateral from borrowers; and
  • Short-term loans are typically executed quickly in as little as 15 minutes.
  • The application process is straightforward;

Do you wish to expand your financial services company by offering payday loans as a service? 

Perhaps you just wish to improve the efficiency of your current processes. Using payday loan management software is one of the most effective ways.

What is Same Day Payday Loans Management Software, and how does it work?

Even though payday loans are straightforward to process, servicing loans becomes chaotic as your client base grows, as each customer has their terms and due dates. That’s where loan management software for payday loans comes in. This software allows you to automate the whole loan lifetime, from application to final repayment. If you don’t want to automate the entire lifecycle, you can still choose which components to automate because the majority are modular and adaptable.

Same payday Loans Management Software’s Key Features

What characteristics characterize the most effective payday loan management software? While most loan automation software has a variety of capabilities, there are a few that you should look for when selecting a payday loan management solution:

Analytics and Reporting

You undoubtedly find it difficult to keep track of your cash flow as a business owner. You’re probably also having trouble generating reports that might assist you in assessing how well your company is doing. 

The trouble with both is that you could be making detrimental judgments to your business if you don’t understand the big picture. As a result, a reliable data and analytics engine is an important component in payday loan management software.

With only a few clicks of a button, you can generate statements, reports, and more with a competent payday management system. It can also provide you with real-time information about your organization to assist you in making swift decisions.

Compliance and Security

Cyberattacks are on the rise, mainly to the digitalization of most commercial activities, and cybersecurity laws and regulations are becoming more stringent. If you break one of these rules, you could face hefty penalties and other consequences. Regrettably, it may also cost you your company. As a result, you must guarantee that your payday loan management system is safe and legal.

Processes Payments More Effortlessly

A smart payday loan management system makes it simple for your consumers to repay their loans, from payment gateways to payment conditions. A good payday loan management system aids you in the following areas: 

  • quick and easy payment processing
  • list of banned states 
  • automatic payment rules (to prevent you from making efforts on a bad account)
  • quick funding alternatives

All of these elements work together to guarantee that your cash flow is as efficient as possible. 

They also make collecting and tracking money owing to you simple.

Compatibility with Other Business Tools

According to research, the average company uses 91 tools and apps to manage its day-to-day operations. Even if you don’t utilize all of them, you’re likely to have a large number of apps in your toolbox. Payday loan management software that connects with your other company tools can assist you and your clients have a more smooth experience. Infinity, by the way, boasts the industry’s most integrations and allows you to manage them all from a single dashboard.

Options for Customization

Let’s be honest. You developed your loan company expressly to cater to customers who prefer not to deal with traditional lenders. As a result, you must personalize products to meet the wants of your clients. That includes being able to set up specific regulations for: 

  • states and store locations 
  • loan products 
  • payment schedules and fees 
  • special underwriting requirements.

You must also search for a payday loan management system that you can tailor to fit your business strategy and meet clients’ expectations. You probably provide a variety of products as an alternative credit lender. With so many variables that necessitate a customized approach, you’ll need a solution with payday loan administration skills that can handle everything.

Payday Loan Management Software’s Benefits

As one might imagine, using a payday loan management system has various advantages over traditional legacy systems. The following are the most important:

Aids in the reduction of resource waste

Another benefit of using a payday loan management system is that it aids in the reduction of waste in your company. It allows you to go paperless, which means you may save money on stationery, printing, and mailing. Going digital also helps you save time and human resources as you dont have to review the documents involved in originating and servicing loans manually.

Customer Satisfaction Is Boosted

You can provide outstanding service to your consumers since your processes have become more efficient. As a result, you’ll have a high level of client satisfaction. High customer satisfaction rates are essential to the growth of your business as it means your customers will leave positive reviews of your business. According to research, client satisfaction also has a significant impact on customer retention in the financial services industry.

Another aspect that impacts your customer satisfaction rates is that your customers dont have to come to a brick-and-mortar store to apply for a loan. Instead, they can do it in the comfort of their homes. And with the best payday loan management software designed to be mobile-responsive, your customers can also apply for payday loans from their smartphones.

Enables Scalability

A primary headache in running a financial services business is data collection, management, and processing. It can be a tedious and time-consuming aspect of the business that keeps you from other parts of your operations that can lead to growth. Again, this is where payday loan automation outshines legacy systems.

Because you can perform most processes on autopilot, managing more clients is easier. Of course, this means a boost in your revenue while still keeping your expenses minimum.

Increased Efficiency

One of the most significant benefits of automating your payday loans is increased efficiency. Payday loan management systems help streamline all your processes, from signing up new customers to creating statements and reports and even sending reminders to your customers. This means theres less margin for error, thereby helping you maximize your profits with less hassle.

How Payday Loan Management Software Works

So how does a payday loan management system help your business? Here are a few operations of your loan business it can help with:

Debt Collection

Debt collection is an integral aspect of running a loan business. However, knowing when loans are due and when payments have come in is another tedious and time-consuming task you must master to run your business efficiently. Thankfully, a loan management system automates this process for you. As a result, youll have all the information on every account at your fingertips, enabling you to identify owing accounts.

Loan Servicing

Faster loan origination means youll also need to expedite your loan servicing efficiently. Unfortunately, each loan is different, and you cant apply a one-size-fits-all approach to help you service loans faster. However, a payday loan management system allows you to treat each loan independently yet handle all calculations simultaneously. It also automatically sends out notices of upcoming payments.

Loan Origination

Acquiring a new customer is a thrill for any business. However, it involves a lot of data collection an aspect of lending that requires spending a lot of time collecting data and vetting clients. This is one of the most strenuous parts of running a lending business. Fortunately, its also one of the areas payday loan management software comes in handy. A capable one will help you collect all the data you need without asking your customers to fill large piles of paperwork. As a result, the loan origination process is streamlined, making it easy for you to do everything from vetting prospects to underwriting the loans to disbursing the funds.

Conclusion

If youre running a lending business on legacy systems, youre leaving money on the table. Especially if you offer payday loans as one of your products, you must invest in payday loan management software. If you want to know what Infinity brings to the table in this regard, go ahead and schedule a demo today.

Cartoon Forum 2022 spotlights animation from Spain

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cartoon forum, one of the most important annual conferences for pitching and co-producing animated television projects, returned to Toulouse for its 33rd edition, from September 19 to 22. Since 2017, Cartoon Forum has put a country or region in the spotlight to celebrate regional creativity, original styles or successful approaches to the world of animation, and this year the spotlight is on Spain.

The Spanish animation sector has seen exceptional growth since 2018, with many new companies receiving funding. The result was major international hits with films such as: Klaus (2019), another day of life (2018), Buñuel in the Turtle Maze (2019), joseph (2020), as well as animated television series such as Pocoyo and Cleo & Cuquin. Additionally, two Barcelona-based companies are nominated for Cartoon Tributes 2022: Peekaboo Animation for Best Producer and Goldbee for Best Investor/Distributor.

The Cartoon Forum pitch sessions this year included eight Spanish animated television series.

Variety reports Nico Matji, President of Diboos, the Spanish Federation of Animation Producers and Visual Effects Production Companies, saying: “The eight magnificent Spanish series demonstrate the wealth of knowledge and talent that Spain has generated since we started developing the industry in the 1960s”.

Spanish projects at Cartoon Forum 2022:

Bertie’s Brainwaves

Bertie’s imagination is so powerful it cannot be contained. The things he imagines spring from his brain and become real, transforming the world around him. Based on the “Dirty Bertie” books which have sold over 1.7 million copies worldwide, Bertie and his best friends are thrown into bizarre adventures.

Produced by In Efecto and co-produced by Flickerpix (UK).

Best Friends Forever…Stuck!

Frank, a rooster with smart pants, finds himself stranded on a remote island with his faithful pig companion Chops. They form a unique bond with a vegan crocodile named Charli and experience crazy and bizarre adventures together.

Produced by Peekaboo Animation.

Firsts

“Primeras” (Firsts) is an anthological and animated show retracing the life stories of women around the world who have become pioneers in fields hitherto reserved for men.

Produced by TV ON Producciones, co-produced by Tippo Creative Lab (Chile).

Mervin’s album

Mervyn, 10, is able to enter the world inside postage stamps. From Tesla to Titanic, dragons to aliens, Mervyn visits everything and everyone ever depicted on stamps.

Produced by Kick the Door Productions, co-produced by BigB (Germany).

My brother is a T-Rez

Coco is a six-year-old girl who loves creating stories. Along with his messy little brother who happens to be a big pink T-Rex, they embark on many problem-solving adventures using imagination and craftsmanship.

Produced by Mr Klaus Animation Studio, co-produced by Lusco Fusco Animation (Portugal).

Polka Dot Zebra

Bella is a zebra who was born with dots instead of stripes. After struggling with self-esteem, the Lunares clan helps her regain her pride. Next, Bella is dedicated to showing the world that diversity is natural and that without it, the world would be very boring.

Produced by Sygnatia, co-produced by Bro Cinema (Portugal).

The little orchestra

The little orchestra is a series that celebrates music. We all love songs… but what are they made of? Why do they make us feel what they do? It’s a bit of a headache, but don’t worry, The little orchestra came to unravel the mystery!

Produced by Mago Audiovisual Production, co-produced by Apus Animación y Contenido (Peru) and Chucho TV (Uruguay).

Zoey Oceans

Five years ago, Zoey’s father went missing at sea, but the cargo of rubber ducks his ship was carrying turned up in the most disparate places on earth. Zoey remains hopeful of one day finding her father and searches for him in her amphibious vehicle.

Produced by Studio Kimchi.

Source: Cartoon Forum

Whitney Whitener's photo

Whitney is a freelance writer who focuses on visual effects-driven fantasy movies and television as well as preschool animation.

Popular Uses of Personal Loans | Accelerate lending

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Good reasons to use a personal loan

You can use funds from a personal loan to pay for anything. But some of the best uses include paying off credit card debt, covering unexpected financial emergencies, or financing the cost of home repairs.

Here are some of the most common reasons for using a personal loan.

Debt Consolidation

Debt Consolidation is one of the most popular uses of personal loans. It’s no surprise: many credit cards charge interest rates of 19% or more. If you’re racking up thousands of dollars in credit card debt, those high interest rates can skyrocket the amount you owe each month.

This is where personal loans can help. You can take out a personal loan and use the money from it to pay off your high-interest credit card debt. You will then repay your personal loan in regular monthly installments.

It’s a smart financial move if you can get a lower interest rate on your personal loan than you’re paying on your credit card debt. Suppose your credit card charges you an interest rate of 18.99%. If you qualify for a personal loan with an interest rate of 10.3%, you can save a significant amount of interest by swapping your higher rate credit card debt for a personal loan.

Just make sure you don’t run up debt on your credit card again. This will leave you in an even worse financial situation, as you will now have a personal loan to pay off in addition to your new credit card debt.

Home improvements

You need to finance minor repairs or improvements to your home, but you don’t have enough equity to qualify for a home equity loan Where cash refinance? A unsecured personal loan can help.

Many homeowners turn to home equity loans or cash refinances to cover the cost of expensive home repairs or upgrades. But to take out one of these loans, you will need sufficient equity in your home. If your home is worth $250,000 and you owe $100,000 on your mortgage, you have $150,000 of equity to borrow against in the form of one of these types of loans.

But what if you just bought your home and haven’t accumulated enough capital? Or what if you have no equity in your home? If your home is worth $250,000 and you owe $245,000 on your mortgage, you may not have enough equity to take out a home equity loan or cash refinance.

Instead, however, you can apply for an unsecured personal loan. An unsecured loan is one in which you do not put up any collateral. In a home equity loan, your home is your collateral. If you don’t repay your loan, your lender can take foreclosure action against you and possibly take your home.

With an unsecured loan, your lender has no collateral to take if you stop making your payments. This makes these loans riskier, which is why lenders usually charge them higher interest rates.

You can, however, use a personal loan to pay for small to medium-sized repairs and improvements to your home. Your interest rate will be higher than with a home equity loan or cash refinance. But these are options if you don’t have enough equity.

Moving expenses

Moving to a new home is not cheap. ConsumerAffairs estimates that it costs between $600 and $1,000 to hire movers for a local move, a move from one location in your state to another. Moving to another state, however, can be more expensive: ConsumerAffairs estimates that it costs an average of $5,000 for a move that crosses state lines. The costs of such a move can climb to $10,000, according to the publication.

It can be difficult to pay for these expenses out of pocket. A personal loan can give you the money you need to meet moving expenses such as hire professional moversbuying packing supplies, renting a moving truck or buying new furniture.

Unexpected bills

No one likes unexpected expenses. And when these expenses are unavoidable emergencies? They are even more unwelcome.

Those unexpected bills are another reason people turn to personal loans. Taking out a loan with an 11% interest rate is a better choice for paying off unexpected emergencies than putting those surprise expenses on a credit card that charges 19% interest.

Some of the unexpected expenses you could cover with a personal loan include:

  • Medical bills
  • Car repairs
  • Funeral expenses
  • Job Loss
  • Unexpected trip

Major purchases

Need to make a big purchase, like new furniture for your apartment or a new computer for your freelance career? A personal loan might be a better option than putting that big expense on a high-rate credit card. interest rate. A personal loan is also a better choice than emptying your savings account to pay for a major purchase. If you deplete your savings, you are vulnerable if you face unexpected expenses.

Vehicle financing

If you need to buy a car and your credit rating is too low to qualify for a traditional car loan, a personal loan can help. Since personal loans charge higher interest rates than car loans, you can usually qualify with a lower credit score.

However, using a personal loan may limit the type of car you can purchase. Personal loans tend to have lower limits than traditional car loans, which limits the cost of your new car.

Wedding expenses

The average cost of a wedding reached $28,000 in 2021, according to Knot’s Real Weddings study. That’s a lot of money. If you need help paying for that DJ, caterer, dress, and reception hall, a personal loan could help.

AIM Center Honors Co-Founder, Late Bonnie Currey-Stamps With Public Sculpture

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All are invited to attend the unveiling of “Positive Space,” a sculpture honoring AIM Center co-founder Bonnie Currey-Stamps, on Saturday, October 1 at 11:00 a.m. at the AIM Center, Inc. located at 472 West Martin Luther King , Jr. Boulevard here in Chattanooga.

Guests will be able to take a first look at the public art installation which stands as a symbol of hope, bravery, compassion, positivity and change for people in our community living with mental illness. Guests are encouraged to confirm their attendance before September 24, 2022 at 423-521-0105 or by email aimcenterevents@gmail.com.

President and CEO Anna Protano-Biggs comments, “This is an extraordinary piece of public art, one that has taken many hours of love and sweat from our members and partners. working side by side to put it together. Its colorful design reminds us that mental health comes in many forms and can be a story of hope, not despair. Sadly, mental health issues are often limited to whispered conversations in quiet corners, so we’re thrilled to present this project that proudly shines a spotlight on it.

The AIM Center provides employment, education, housing, socialization and wellness opportunities for adults living with serious mental illness. It is a non-medical and non-clinical activity; however, they work with other mental health professionals to provide comprehensive mental health services.

Using the Clubhouse Model of Psychosocial Rehabilitation, the AIM Center enables participants, members, to develop relationships and create individualized recovery plans while working side-by-side with other members and staff to accomplish the work of the Clubhouse. .

Following the passing of Bonnie Currey-Stamps, co-founder and president and executive director of the AIM Center for 25 years in February 2021, her family, friends and members of the AIM Board of Directors formed a committee to find a way to honor his memory.

In 2006, board member Frances McDonald helped create the plans for the new AIM Center headquarters on W. MLK Blvd. She suggested that a sculpture be placed on the front lawn where it would be a valuable addition to the city’s public artistic presence. This plan was cut from the budget, but the seed was planted. Now driven by a desire to honor Bonnie, revisiting the idea of ​​a sculpture seemed both natural and necessary. In addition, the presence of Judith Mogul at the AIM Center has reinforced confidence in the project. Judith is the facilitator of a major visual arts program at AIM Center, an experienced artist of great stature in the Chattanooga area and beyond, and a facilitator of Mark Making.

Frances McDonald is the Founder and Executive Director of Mark Making, a Chattanooga nonprofit that provides opportunities for marginalized populations to engage in community art projects. She proposed the project to Bonnie’s friends and family committee. They agreed that a large mosaic sculpture would be the perfect way to honor Bonnie and that Mark Making should partner with AIM Center to make the idea a reality. Mark Making’s responsibilities included finding funding, a lead artist, fabricator and contractor for the base (“plaza”) and coordination between these parties. Backers include Bonnie’s husband John Stamps, son Jeff Currey, family friends Alex Fischer, Olan and Norma Mills, and AIM Center member Michael Smith.

Mark Making and AIM Center stressed the importance of all members being involved in the project. Mark Making created a video about Bonnie’s life to educate new members; data was collected to cement an idea of ​​what the members and others wanted the sculpture to look like. Judith Mogul synthesized all of these elements to develop a three-dimensional design that would capture Bonnie’s spirit and her contribution to the AIM Center and community. The design should also be a solid form or support for any mosaic elements to be made in workshops by members, Hamilton County Mental Health Court attendees, and Bonnie’s family and friends. Those unable to attend an in-person workshop had the opportunity to create their mosaic elements using PowerPoint presentations with instructions.

The sculpture concept, based on a drawing of Bonnie by AIM member and artist David Hudson, featured a negative space in the middle of two flat areas. The 12-foot-tall concrete formwork was fabricated by local sculptor Rick Booth. Besides looking like Bonnie, the negative space can also be seen as an invitation for anyone in need of AIM Center’s services.

A total of about 70 people created mosaic elements, including flowers, butterflies, water patterns and celestial bodies, to be incorporated into the landscape-inspired piece. Judith arranged the mosaic patterns and created transitions between the parts by weaving the elements into a unified and dynamic whole.

Members of AIM and the Mark Making team grouted the tiles after applying the completed design areas to the surface of the sculpture.

For more information, visit www.aimcenterinc.org or call 423-624-4800.

Woman finds lost dogs with drones

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A woman from South Yorkshire, England has made an incredible impact on the lives of hundreds of people by using her drone pilot skills to find lost dogs. Erica Hart, 40, told the BBC that over the past seven years she had “easily” reunited at least 200 lost dogs with their families.

It all started when she was playing with her new drone near a wooded area and a man told her he had lost his dog. Hart located the dog within 15 minutes. “It went from there, basically,” she told the BBC. “It’s like winning the lottery, it’s absolutely priceless.”

“When I first found that first dog and saw that expression on his face because he had been missing for almost four days, it was just a thing that, yes, I can do something and I can make myself useful and be a pillar for the community and help unite loved ones with their dogs,” she continued.

What’s truly amazing is that she doesn’t charge a dime for her services and rarely accepts compensation unless the job requires her to use a lot of gas. Given that she locates animals that are priceless to their families, she could easily charge hundreds or even thousands of dollars for her services.

‘I come home some days and have spent £50 ($57) out of my own pocket and found myself with nothing to put gas in the car to find a dog,’ she said at the Daily Mail.


Her success in reuniting lost dogs with their families led her to create HARTSAR, a Facebook community where people can hire her services to find their lost dogs.

When Hart goes in search of a lost dog, it’s like a military exercise. His drone is equipped with a thermal energy camera that makes a warm-blooded animal easily identifiable in its cooler surroundings. The drone gives him an incredible vantage point that makes seeing a dog much easier than looking on the ground.

From there, she positions people on the ground to intercept the missing animal.

Recently, she helped find Jamie and Leah Hollinshed’s black schnauzer Hilda in just 20 minutes after the couple tried to locate the dog for hours. Time is running out because a storm is brewing.

“What she’s done is awesome. She’s a hero, a real superhero,” Jamie told the Daily Mail. “We had had a few hours without sighting, but she spotted her within 20 minutes. It shows how good these drones can be, we were so relieved when she found it.

Hart’s brilliant technique for finding lost puppies has already helped hundreds of people, but her story could save countless more. This new technology is expected to be used by law enforcement and rescue shelters around the world to reunite people with their lost fur babies.

If every city in the world had an Erica Hart with a drone, hardly anyone would lose a pet.

Hart’s innovation is amazing, but for her, it’s all about animals. “When I post it on Facebook and see the comments, I lie in bed with a smile on my face and understand why I’m doing it,” she told the Daily Mail. “I do it for the love of dogs.”

‘Comedy was a distraction’: Jim Moir on leaving Vic Reeves behind to paint rocks all day | Paint

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Back when he played as Vic Reeves, a bit of hubris was part of the joke. The comedian would bill himself as “Britain’s finest light performer”, which nailed his act perfectly: a mix of faded variety show glamor and thin-skinned pomposity (with a dose of surrealism too). But nowadays, the man known to his friends as Jim Moir – he plans to retire his alter ego next year – could genuinely give himself a headliner without the slightest bit of irony. Because Moir has become one of the country’s most prolific painters. This week he will open an exhibition at the RedHouse Originals gallery in Harrogate, North Yorkshire, his fifth of the year so far after exhibitions in Jersey, Penzance, Northampton and London.

Sitting in his studio at his home in Kent, painting, as he does almost every day shortly after waking up, Moir says he feels “wonderful”. He has a rule that he only ever paints when he’s in the mood, so he doesn’t force it. Luckily for him, he’s in the mood 90% of the time, churning out “thousands” of paintings a year.

“Painting is what I always wanted to do,” he says. “Even during the Vic and Bob shows, the art was always there, even when it might have seemed to be in the background. Now, however, I can sit in my studio all day, with my own schedule.

The face depicted in Brimham Rocks (Yellow) is a ringtone for Stay Puft from Ghostbusters. Photography: Chris Morrison

The new show is called Yorkshire Rocks & Dinghy Fights and features “around 57” paintings, each unmistakably moirish, with threads of the Dadaist surrealism it is known for alongside more realistic works. There are David Bowie’s boots – recognizable by the shiny red, almost knee-high platforms made for the 1973 Aladdin Sane tour – alongside the birds, the geology of the North and the people who get rid of the boats.

“My son [Louis] makes movies, and he made a movie about people doing comedy and art. A few years ago he said I should go to Brimham Rocks and he would film me painting something, so I did.

The 180-hectare site in North Yorkshire is controlled by the National Trust and is known for its weather-eroded rocks reminiscent of sculptures by Henry Moore. It’s easy to imagine Moir’s Brimham Rocks 2 as the cover of a ’70s progressive album (the pink and blue palette isn’t a million miles from King Crimson’s In the Court of the Crimson King), while the face depicted in Brimham Rocks (Yellow) is a ringtone for Ghostbusters’ Stay Puft.

“That’s exactly what I thought,” says Moir, “but if you go, that’s what it looks like. I wasn’t trying to force it, it’s just what it looks like. Everyone should go to Brimham Rocks, you will have things coming out of the deep channels of your mind.

“There are not only fights: there are also kidnappings” … Canal Kidnapping.
“There are not only fights: there are also kidnappings” … Canal Kidnapping. Photography: Chris Morrison

The titular drifter fights, meanwhile, were inspired by a 1963 British film whose name he can’t remember (“not even a B-movie”) – but it did pack a fantastic punch.

“It got me thinking: Where’s the most ridiculous place you can get a punch? Probably on a dinghy. So it’s all as simple as that, really. But it’s not just the fights : there are also kidnappings”, he says proudly.

This is the first time that Moir, born in Leeds in 1959, has exhibited his work in his native county. “I have a very good feeling with this one. I do not know why. But I know how the people of Yorkshire are, and it will be less pretentious than in a London gallery. When Bob and I used to tour, the audiences in Manchester, York and Leeds were always better. Maybe that’s what I’m basing it on. »

With the exhibition almost ready to go and a book of bird paintings now published, Moir has turned his attention to his next project, a Sky Arts series which will see him painting more of his feathered friends. Then, with his wife Nancy, he will travel across the country to see the birds in their natural habitat.

A self-portrait.
Cool Stance Guy Elvis (Self Portrait). Photography: Chris Morrison

The series will feature time-lapse footage of Moir working on his beloved bird paintings, something he doesn’t much like – “your mind tells you you’re going to paint badly and it’s tempting to listen” – but learns to overcome. Plus, if it means he has to travel across the country with his wife, paint, he’ll put up with it.

“If I could tell 25-year-old Vic that he was doing a show like this, he’d be like, ‘Oh, finally!’ When I was 25, my party thing was to get a bird book from Collins, tell someone to open it to any page and I’d tell them what the birds were and all the facts,” he says. “It wouldn’t have been a surprise for all of this to happen, but I would have loved to hear it.”

Moir has been birdwatching since he was little, but says he moved away from country pursuits in the middle years in favor of pubs. “If anything, the comedy was a distraction.”

“If I could tell 25-year-old Vic that he was doing a show like this, he’d be like, ‘Oh, finally! “” … Owl. Photography: Chris Morrison

As his comedy partner Bob Mortimer returns to the BBC for another series of Mortimer and Whitehouse: Gone Fishing and Moir embark on his birdwatching adventures, it’s heartwarming to see two 90s alternative comedy icons turn into gentler activities. Moir doesn’t think his art show will become as popular as Mortimer’s fishing show (which he loves), but he’s not against the idea.

“Bill Oddie told me a long time ago that if the enthusiasm is evident, you can watch anyone do anything, no matter how much you yourself know about a subject,” he says. “There’s a lot of insincerity these days, so it’s refreshing to see some enthusiasm.”

Maybe he and Mortimer could team up for a fishing and birding show?

“I think fishing used to be the biggest pastime in Britain, but since the lockdown it’s been birdwatching,” he says. “Between us, we cover both bases. I’m drawing a line under philately, but if someone has enough enthusiasm, who knows, it could be great! There must be actors who like timbres, they just have to admit it.

Yorkshire Rocks & Dinghy Fights open September 22 at RedHouse Originals in Harrogate.

HELOC and Home Equity Loan Rates September 19, 2022 | Expect increases after the Fed meeting

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Key points to remember

  • Home equity loan rates were little changed and home equity lines of credit (HELOC) rates were unchanged last week.
  • Rates are expected to rise after the Federal Reserve raised its benchmark short-term interest rate this week.
  • The impact of the Fed’s decision on HELOC rates will be direct, but the effect on home equity loan rates is less clear, experts say.

It’s about to get more expensive to borrow against the equity in your home.

And you can thank the Federal Reserve, which is expected to raise interest rates again next week in its continued effort to slow rising inflation.

Inflation has been stubbornly high for months. The last Consumer price index showed prices up 8.3% year-over-year in August, which was higher than expected. This will cause the Fed to keep its foot on the accelerator this week when it raises its benchmark short-term interest rate. The Fed is raising rates to calm demand and try to lower prices. When the Fed raises interest rates, banks also raise rates on products such as home equity loans and lines of credit.

“The disappointing consumer price index further underscores why the Fed will remain aggressive in raising interest rates and that higher interest rates will last longer,” said Greg McBride, CFA, chief financial analyst at Bankrate, which, like NextAdvisor, is owned by Red Ventures. .

Fed officials have indicated they are committed to raising interest rates if necessary to bring prices down. So far this year, the central bank has raised its key rate four times, including two consecutive hikes of 75 basis points. Observers expect another 75 point rise this week. “We’re here for as long as it takes to bring inflation down,” Fed Vice Chairman Lael Brainard said in a statement. recent speech.

Because home equity loan rates are based on the cost to banks and other lenders of borrowing money, they will likely see an increase as a result of the Fed’s decision. For home equity lines of credit, the effect will be more direct – their variable rates are often based on an index that mirrors what the Fed is doing.

“HELOC rates in particular will be at the mercy of how much the Fed eventually needs to raise interest rates before inflation is brought under control,” McBride said.

Here are the average home equity loan and HELOC rates as of September 14, 2022:

Type of loan Price for this week Last week’s price Difference
$30,000 HELOC 6.51% 6.51% nothing
10-year $30,000 home equity loan 7.08% 7.06% + 0.02
Home equity loan of $30,000 over 15 years 7.04% 7.01% +0.03

How these rates are calculated

These rates come from a survey conducted by Bankrate, which, like NextAdvisor, is owned by Red Ventures. Averages are determined from a survey of the top 10 banks in the 10 major US markets.

How does the Federal Reserve affect home equity loans and HELOCs?

Home equity loans and HELOCs are similar in that you use the equity in your home — the difference between its value and what you owe on your mortgage and other home loans — as collateral to borrow money. ‘silver. This means that if you don’t repay, the lender can foreclose on your home.

How you borrow that money is very different.

Home Equity Loans

Home equity loans are usually simple: you borrow a set amount of money, get it all in one lump sum, and then pay it back in payments over a number of years at a fixed interest rate. Home equity loan rates are based on your credit risk and the cost to the lender of accessing needed cash.

The rate the Fed should raise is a short-term rate that affects what banks charge each other to borrow money. This hike will increase costs for banks, potentially leading to higher interest rates on products such as home equity loans.

HELOC

HELOCs are less straightforward. Your lender approves you for a line of credit, similar to a credit card, which is secured by the equity in your home. You have a limit on how much you can borrow at one time, but you can borrow, repay, and borrow more until your draw period ends. You will only pay interest on what you borrow, but the interest rate is usually variable and changes regularly based on market rates.

Many HELOCs have variable rates that follow the preferential ratewhich changes at the same time as the Fed’s benchmark rate.

Pro tip

When choosing between a home equity loan or a HELOC, consider whether you need the money all at once or will need to withdraw it over a period of time. A HELOC is more flexible if you don’t know exactly what you will need or when you will need it.

Home equity loans and HELOCs are becoming increasingly popular

Consumers are increasingly turning to home equity loans and HELOCs, and one of the main reasons is that other ways to turn your home equity into cash have become less attractive. Besides selling your home, the other great way to do this is through a cash refinance, but that doesn’t make as much sense in a time when mortgage rates are higher than they used to be. been since 2008.

Homeowners still have plenty of equity as house prices are still near record highs, despite a slowing housing market. And with the possibility of a looming recession, many are looking for ways to ensure they have financial options to fall back on during tough times.

“As economic uncertainty begins to set in, loans and home equity margins are a very powerful tool because they essentially allow you to take what would otherwise only be possible by selling your home or refinancing to a much higher rate, Nima Ghamsarico-founder and director of Blend, a fintech company.

While the uncertain future of the economy has some people thinking about the Great Recession, Ghamsari says there are several differences between today and yesterday when it comes to home equity loans – which have been one major drivers of the 2008 crash. Home values ​​are expected to remain high due to the limited supply of homes and lending standards are much higher as lenders check borrowers’ ability to pay and limit the amount of equity that you can use. Many lenders require a significant buffer as to the value of the home that can be borrowed.

“Home values ​​are safer and people put a buffer and they do things like check your financial situation,” Ghamsari says.

When should you consider tapping into your home equity?

Home equity loans and HELOCs have some specific advantages over other forms of debt. Because they are collateralized by property, they tend to have lower interest rates. HELOCs have particular appeal in cases where you’re unsure how much money you’ll need, and some owners keep one on hand to ensure they can access cash. if they need it. “It almost becomes like a second bank account for them in their pocket,” Ghamsari says.

The most common use of home equity loans and HELOCs is for home improvements – you borrow against your equity for something that should, at least somewhat, increase the value of your home.

Experts say you should be careful when considering home equity loans or HELOCs for certain uses. One of them is debt consolidation. This can be attractive, as the rates for home equity loans and HELOCs are lower than those for credit cards and personal loans. Some experts say there are other ways to consolidate debt — using a balance transfer credit card or cash refinance — that don’t involve as much risk.

Queen honored in procession, memorial service in Victoria, BC – BC News

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Dignitaries including the premier and lieutenant governor of British Columbia joined a memorial service for Queen Elizabeth on Monday in the capital city named after her great-great-grandmother.

The service at Christ Church Cathedral in Victoria followed a procession which began at the Legislative Assembly and was led by a Royal Canadian Navy band and members of a 100-member guard carrying their rifles upside down in sign of mourning.

A riderless horse, symbolizing a fallen comrade and representing the Queen’s love for horses, was part of the 1.4 kilometer march with a 21-gun salute to the sound of drums and the sound of hooves.

Beatrice Morrison, 17, dressed in the uniform of the 5th Garry Oak Boy Scouts of Oak Bay, said she stood along the procession route because she wanted to pay homage to the monarch.

“The Queen has been with me since I was born,” Morrison said, adding that she thinks the experience will be a memory she will treasure for the rest of her life.

Many mourners lining the street under blue skies filled the church, where prayers were offered by an imam, a rabbi, the Roman Catholic archbishop of Victoria and the bishop of the Diocese of British Columbia.

Lieutenant Governor Janet Austin suggested that the service recognize diverse faiths in recognition of the Queen’s views on religious diversity.

Prime Minister John Horgan said the Queen had been served by 12 Canadian Prime Ministers and 13 British Columbia Premiers, some of whom attended the service in honor of a leader who exemplified a life of service and dedication. grace for seven decades.

“His face is as familiar as a comforting grandparent. We see it on our coins and on our stamps. photo of my grandmother,” he told attendees.

British Columbia has hosted the queen seven times, including once when she was princess, Horgan said, adding that she has been present at many important moments in the province’s history.

They included BC’s centennial celebration in 1971, the Commonwealth Games in Victoria in 1994 and its Golden Jubilee in 2002, he said.

“These memories will be cherished by the crowds of people who came to greet her. And over the years, the Queen has traveled from Spences Bridge to Kamloops. She’s been to rodeos in Williams Lake and she’s opened the Prince Regional Hospital Rupert.”

During her visit to Victoria in 2002, the Queen was greeted by Snowbirds in the sky and corgis lining the street as she made her way to the cathedral where mourners were now gathering to pay their last respects, a said the prime minister.

Another memory that stood out for Horgan during Golden Jubilee celebrations was the Queen dropping the puck at center ice before a hockey game between the Vancouver Canucks and San Jose Sharks.

“What’s more Canadian than being at a hockey game? But there she was, purse in place, puck in hand. She met Canadian royalty in those days. Wayne Gretzky was there. Olympic gold medalist Cassie Campbell was there. And of course, Hall of the famous Howie Meeker.”

During a visit to the province, the Coast Salish gave the queen a name that translates to “mother of all, respected by all,” he said.

Horgan said he had passed a portrait of the Queen in his office every day for five years, but would be replaced later on Tuesday with a new picture of King Charles III.

How collecting stamps led Alexander Haimann of Chesterfield to meet Queen Elizabeth –

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BY ALEXANDER HAIMANN, special for Jewish light

My thoughts following the death of Queen Elizabeth II will certainly not match the grief of millions of people who lived for 70 years with her as Queen. But I would like to share three connections I had with Her Majesty as I continue to struggle with my own grief surrounding her passing.

My first connection is when I became aware of the Queen as a major international figure. I had just started collecting postage stamps at the age of 7 when I learned that Great Britain, from 1840, did not put the name of its country on its stamps. Instead, a representative image of the reigning monarch was all that was needed.

This first stamp issued in May 1840 featured the defining British monarch of the 19e century, Queen Victoria, poised in black ink. It cost a penny.

Since that first stamp known as the “Penny Black”, the monarch has been the main subject of all British postage stamps or is depicted as a silhouette in profile in the corner of the stamp design. As a result, stamps with the head of Queen Elizabeth II, either in silhouette or fully depicted, began to enter my childhood collection.

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These weren’t just stamps from Great Britain as many other countries also have the Queen as their Head of State. So, in a short time, I had stamps from Canada, Australia, Bahamas, Jamaica, Solomon Islands and other stamp-issuing countries with the Queen depicted in one form or another.

My second connection is when I realized that Queen Elizabeth II was not only a global stateswoman, but also a major figure in history.

Twenty-two years into my journey as a stamp collector, in 2015, I found myself in Scotland for a work trip a month before the birth of my first child. At Edinburgh station, a television crew was interviewing people waiting for their train. I overheard the reporter asking the interviewee what he thought of Queen Elizabeth II passing her great-great-grandmother, Queen Victoria (of Penny Black stamp fame) as the longest-reigning monarch. long in British history?

I had about a minute to think about what I would say if I was asked the same question when the reporter held a microphone in front of my face and asked the same question. Judging by his reaction, the reporter clearly wasn’t expecting to hear an American accent.

I noticed that Victoria’s reign from 1837 to 1901 (I have a thing for dates) was remarkable; she influenced the history of this period in ways that are difficult to understand. Queen Elizabeth II also reigned over a tremendous period of change in Britain and around the world, from 1952 to 2022. Quite amazing, I continued, for her to have regularly met with all the prime ministers starting with Winston Churchill and to have met all the American presidents. from Truman to Obama except for Johnson.

My connection to the Queen deepened a bit when I was elected a Fellow of the Royal Philatelic Society of London the following month. Since 1906, the Society has had every reigning British monarch as its patron. The Queen had visited the Society’s premises in London in 1969 for the 100e anniversary of the founding of the organization. For an American who loved history and its many connections to the present, I felt as close as possible to such an important historical figure.

A few years after that moment in 2015, I became aware that Anne Frank had a postcard of Princess Elizabeth taped to her wall in the family’s hidden annex. Anne also wrote about Princess Elizabeth in her famous diary. On April 21, 1944, just months before the family’s arrest, Anne wrote:

Today is the eighteenth birthday of Her Royal Highness Princess Elizabeth of York. The BBC reported that she has not yet been declared of age, although royal children usually are. We wondered which prince they would marry this beauty to, but we can’t think of a suitable candidate.

In June 2015, Queen Elizabeth II visited the Bergen-Belsen concentration camp where Anne Frank had died. Even today I am struck by how the Queen (then Princess) was one of the last living people Anne wrote about and connected with in her own way during a life cut short by the Holocaust.

My third connection with Queen Elizabeth II is on November 26, 2019 – the day I met her as a person. In September, I had been invited by the President of the Royal Philatelic Society to attend the official inauguration of its new headquarters.

A few weeks before the day, each attendee received a note on required attire, protocol for the day, and instructions for a rehearsal before the official opening.

When we arrived for the rehearsal it was confirmed that Queen Elizabeth II would be coming the next day. We received instructions on how to interact with her regarding protocol. In short, follow his example. If she reaches out, reach out yours. If she starts talking to you, start a conversation. Most importantly, the first time you address her, be sure to use “Your Majesty” and from there “Madam.”

On opening day, when she finally walked into our room, it was surreal. The President of the Society guided the Queen to our group and indicated that three of us were from the United States and began to introduce us. Whenever someone was introduced to the Queen, she extended her hand, so we extended ours to hers. When she shook my hand, I said “Your Majesty” and bowed my head slightly. She then commented on how the membership was clearly quite international in scope.

When I mentioned that “there are over 300 members of the Royal Philatelic Society in the United States,” she seemed somewhat surprised.

‘Well now you all have a wonderful new HQ to visit when visiting London,’ she said. I responded very enthusiastically with “absolutely, ma’am!”

For an hour, she chatted with about 40 people, walked unaided through three floors of the new building, and remember that she was 93 at the time. A remarkable experience that I will remember and cherish for the rest of my life.

Alexander Haimann is a proud St. Louis transplant recipient who lives with his wife Sarah and their three children in Chesterfield. They belong to Congregation B’nai Amoona. In his professional life, Haimann is a partner of Less Annoying CRM, a company awarded the Arch Grant 2014.

Whispers in the abbey: how long will King Charles III be able to retain the crown?

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-Analysis-

Grappling with the loss of its queen, Britain is simultaneously embarking on a process of rapid transition – and it starts with a face and a few key words. Postage stamps, speeches, national anthems: all of this will change in face and verbiage from Queen at King, His majesty to His Majesty, as Elizabeth’s son, Charles III, takes power.

But those differences only scratch the surface of potentially much deeper changes, and a looming sense of foreboding is only whispering, as the nation unites to try to ensure a smooth transition of royal power.

Yet there are questions that will only intensify: Will the aging son pale in comparison to his mother’s standard of living? How far has society come since Elizabeth took the crown in 1952? Will Charles’ past as a prince come back to haunt him?

Let’s put it a little more bluntly: how long will his reign last?


Witty, poised and vivacious, Queen Elizabeth II was a beloved figurehead for the nation, guiding her people from a comfortable distance through seven decades of turmoil and jubilation. Even as the most well-known public figure on the planet, the Queen had a remarkable knack for keeping herself alone – just enough. His interactions with the public were limited, on-camera appearances carefully orchestrated; and when she did speak, it was just enough to keep her subjects and the world attentive, without attracting negative attention.

Wavering popularity in the past

Through it all, Elizabeth boasted record approval ratings for almost every year of her reign, more popular with the public than virtually any other member of the royal family, past or present.

King Charles has had his popularity ups and downs as a prince. Having been in the public eye all his life, the King is in no way new to the whims of publicity, good or bad. His marriage to his first wife, Princess Diana, was a big moment. His infidelity and subsequent divorce – and the subsequent tragic death of Lady Di – was the lowest of the low. The nation and the world seemed to be erecting a wall against then-Prince Charles and his former flame and new wife, Camilla, a wall that never really came down.

Will he do and say the right things?

Now that he is in the top job, the question of Charles’ popularity and the public’s perception of the royal family as a whole is no longer a personal one. It’s political.

In light of the palace’s cruel treatment of Meghan Markle, information about racially insensitive comments by a senior royal seem to suggest that the British culture of passive-aggressive racism can rage in the royal family. This is inevitably linked in public consciousness to the history of British colonialism which led to a series of nations struggle for independence of the crown.

Identity politics, Internet traps

As Elizabeth’s death provides an opportunity to re-examine the colonial past, some Commonwealth nations can start considering end of historical ties, Charles will be forced to meet the challenges in a more direct way than his mother.

Will he do and say the right things? Will anything from his past emerge that could trigger a backlash? Is the internet age a trap for an old-school monarch? Either way, it now falls to a privileged 73-year-old white man to navigate the terrain of so-called ‘identity politics’ that continues to take hold in Britain and beyond.

By definition, a constitutional monarchy is a paradox. It is understood that monarchs are shielded from direct political influence or legislative power. Even so, in her 70 years on the throne, Queen Elizabeth has accrued less tangible power under the reigns of 15 different British prime ministers and more than 150 prime ministers of other Commonwealth realms. Any opinions she had on political matters would have an impact, which is part of why they were so rare.

Environmental expectations

King Charles’ views are much more public than those of his mother: as Prince of Wales, he was active in promoting causes and sharing opinions on a range of topics including climate change, London architecture and even a plus slim monarchy. But he was aware that this would have to change after he became king. “It is clear that I will not be able to do the same things that I did as an heir,” he said in a Interview with the BBC 2018adding that he would not get involved in such sovereign political matters as he was “not so stupid”.

Still, it’s unclear if he can suddenly go neutral. The greatest risk could indeed come from the camps (in particular environmentalists) that he has supported in the past and which may not accept that he is silent as king.

The passing of the crown is a reminder of how important the monarchy is to the British people – fueling everything from national unity to the tourism economy. But it’s also a reminder that everything has been maintained for the past 70 years by the Queen.

Silver Jubilee of Elizabeth II stamp

New Zealand Archive​

The example of Spain

For the media, both in the UK and abroad, King Charles is a new story and a new opportunity to reopen old questions. Amid the general public’s distaste for extreme privilege, The New York Times published a presentation four days after Charles took the throne, describing tax breaks and exorbitant personal wealth, at a time when Britain was facing deep budget cuts and rising levels of poverty and food bank use nearly doubledpainting the picture of a king grossly disconnected from his people.

Could the king be persuaded or even forced to abdicate?

But perhaps even more relevant is another aspect of Charles’ privilege: his meaning of privilege. Just during his first week as King, new videos of him appeared chastise the staff and ranting about the pen he’d been given to sign documents. Sympathy may be the most important quality of any modern monarch hoping to maintain the goodwill of his subjects.

Any one of these factors – from his background to his politics to his mannerisms – (or a combination of all of them) could quickly turn the plot against Charles. If the public deemed the new king unfit to rule, could he be persuaded or even forced to abdicate? A sense of duty, if royal rhetoric is to be believed, would demand it for the good of the monarchy.

Spain offers a relatively recent example of a king being driven from his throne, as Juan Carlos’ slow disgrace in the public eye led him to quit eight years ago, passing his title to his son, the Crown Prince. Spain’s current King Felipe VI has a glamorous wife and beloved children that the nation loves to see grow up. He also doesn’t have his father’s luggage to carry.

Sound familiar…? King William V sounds quite pleasant.

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How much are your memories of Queen worth? Experts have their say on which items should increase in value

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People wishing to cash in on the Queen’s death by selling their royal memorabilia have been urged to quell any expectation of a big payday.

And anyone tempted to pay inflated prices as a result of the generational event is urged to wait, as costs will come down significantly and quickly.

WATCH IN THE VIDEO ABOVE: How much royal memorabilia items are worth after the Queen’s death

Watch all your favorite shows on Channel 7 or stream for free on 7plus >>

Charles Leski, of Melbourne-based Leski Auctions, said mundane and mass-produced items bearing the image of the Queen should not be considered more valuable, even if they are antique or rare.

This includes keepsake-type items such as stamps, mugs and tea towels, and even “old newspapers announcing the coronation or a royal visit”, said Leski, who says he was inundated with people wanting to sell their souvenirs from the queen.

“Her passing was obviously not unexpected and she lived a long time, so there are a lot of such items that are treasured in people’s homes,” he told 7NEWS.com.au.

“But they didn’t suddenly become more valuable or more desirable because she died.”

7NEWS.com.au observed seemingly inflated asking prices for Queen memorabilia on websites such as Ebay and Gumtree, including a mug for $50 and a collection of old magazines featuring the Queen on the covers for $100.

Experts believe mass-produced items such as plates and stamps won’t necessarily be worth more after the Queen’s death. Credit: Getty/7NEWS

Items that could earn money

But there could be a decent bargain for people with items that the queen herself likely handled.

“So if she has sent a letter to someone and it is signed by her – there are Christmas cards that she and Prince Philip used to send to their family members, as well only to friends and supporters around the world – clearly there won’t be more of those,” Leski said.

“For people who collect royal memorabilia, having an item that we call a master piece is much more desirable than something that has been created and mass-marketed.”

Leski gave the example of a similar situation when legendary Australian cricketer Don Bradman died in 2001.

There could be value in the items the queen actually handled, like the letters. File picture. Credit: Tim Graham/Getty Images

“It’s the same as a cricket bat that Don Bradman used in a test match, as opposed to one of the tens of thousands he signed as mementos or keepsakes,” he said. he declares.

“If you can find one that’s genuine and has been used in a test match, then you have something that’s important and probably increases in value over time.

“We saw a flurry of memorabilia hitting the market when Don Bradman passed away, and that actually drove prices down.”

Items at “ridiculous” prices

Auctioneer Mark Duff of Strand Coins said commemorative coins were offered at “ridiculous” prices.

“I started in 1977 for the Queen’s Silver Jubilee and I remember shipping literally half a million crowns – 25 pence coins – around Australia. They went everywhere” , he told Channel 7’s The Morning Show.

“These coins today, we sold them for $1.75, they sell for about a dollar (now).”

One of two limited edition 50 cent coins, launched in 2017 to celebrate the 70th wedding anniversary of The Queen and The Duke of Edinburgh. Credit: Royal Australian Mint/Provided

Asked why coins such as the Royal Australian Mint’s Platinum Jubilee coin are auctioned online for around $100, Duff suggested it was because of impatient buyers.

“If you’re looking for a memento from the Queen’s reign, hang in there. Don’t buy them now. All these inflated prices are bound to crash,” he said.

“Wait. You might have to wait two years, she was a big celebrity. It might take two years, maybe five years.

“But you will find that these coins will eventually become souvenir value again, essentially. They are not an investment.

“It’s the secondary market that counts. When they come back into the market, that’s when the price can be a bit vulnerable.

“Because the Mint does not take them back. They pump them, they sell them and that’s it.

“The secondary market can be manipulated if the vintages are small but, over time, if you’re talking five, 10, 15, 20 years later, they will become virtually worthless again.”

Items that could increase in value

Jason Feltrin of online retailer and auctioneer Grays Australia is slightly more optimistic, saying the value of some items could rise after the Queen’s death.

“In reality, an item is only worth what someone else is willing to pay,” he said.

“These kinds of times, people list items thinking they’re going to get a higher value, but not necessarily at the end of the day.

“I guess only time will tell.

“But generally speaking, anything related to the Queen will increase in value over time.”

Cerebus Blacks Up For Cerebus In Hell’s Three-Wheeler Annual

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Marvel Triple-Action was a ’70s Marvel reprint comic that republished ’60s issues of The Avengers and Fantastic Four to a new audience that actually started out oversized but suddenly wasn’t anymore. David Sim not quite sure why he the b=parody in the last cerebus in hell one-shot but it is. Dave Sim has, in recent years, taken his much-loved 300 numbers Cerebus graphic novel and turned it into the ridiculed-then-mostly-ignored Cerebus in hell. A series of cut-and-paste one-shot strips using his own work and that of Gustave Colombealongside the likes of Carson Grubaugh and David Birdsong railing against and mocking what he sees as the moral deficiencies of society and comics, with a series of Cerebus in Helcomics. And with each one-shot tries to parody some aspect of comic book and comic book history in its cover and name, hoping to get some muddled sales along the way with a new issue a. And, drop by drop, destroys what remains of his reputation as a creator. And that problem seems to continue that way, with a “blacked out” Cerebus Black Widow spouting stereotypical racial language on the cover. What happened, Dave? Here are the December 2022 arvark-Vanaheim solicitations and solicitations.

CIH PRESENTS THE ANNUAL ONE SHOT OF THREE WHEELER
AARDVARK VANAHEIM
OCT221318
(W) David Birdsong, Dave Sim (A) Gustave Dore (A/CA) David Birdsong, Carson Grubaugh, Dave Sim
Dave Sim wrote the original title for this one: So Long He Can’t Remember. It was a parody of Marvel Triple Action, so there was Three-Wheeler somewhere. If the reproduction of the cover postage stamp is not too small, you may be able to read it. But for diamond inventory purposes, Three-Wheeler’s annual number 1 is what it’s called. Don’t miss the first (and, God willing, last) appearance of “From For True Black Widow.” Cerebus’ head with shoe polish all over it (Hey! It worked for Justin Trudeau!) projected in green on a drawing by Carson Grubaugh of Scarlett Johansson as Black Widow. Equity now!
In store: December 28, 2022
PDS: 8

CEREBUS TP VOL 16 LAST DAY NEW PTG
AARDVARK VANAHEIM
OCT221319
(W) Dave Sim (A) Gerhard (A/CA) Dave Sim
Aardvark-Vanaheim is proud to present the 16th volume in the Cerebus series, carefully and lovingly digitally remastered! Collecting issues 289-300, the comic’s 6,000-page debut graphic novel conclusion is now reprinted for the first time since 2004, fully and carefully restored page by page from the original art plates! Follow Cerebus’ last day on Earth as he deals with debilitating pain, memory loss, political turmoil, indigestion and incontinence in a world he no longer understands, all while waiting for her son to come visit her! Includes full annotations by Dave Sim.
In store: December 28, 2022
PDS: 30

Posted in: Comics | Tagged: cerebus, cerebus in hell, Comics, dave sim, solicitations

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Things you didn’t know you could do with a personal loan

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Personal loans are installment loans with fixed monthly payments. Although they generally require you to have a good credit score to qualify, they can be a great choice for consumers who need some flexibility in how they spend their money.

Personal loans also tend to have lower annual percentage rates, or APRs, than traditional credit cards. According to The latest data from the Federal Reservein May 2022, the average interest rate for a 24-month personal loan was 8.73% while the average APR for interest-bearing credit cards (for cardholders who carried a balance) was 16, 65%.

If you’re considering taking out a personal loan to cover medical bills, home repairs, or other expenses, Select provides a more detailed look below at what you can and cannot use to pay for a personal loan.

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A few caveats about personal loans

The major advantage of a personal loan is that it is a lump sum of money that you can use to pay for most types of expenses. Many personal loan companies will provide you with the funds within a few business days, while some of them offer loans of up to $100,000.

There are, however, certain things that you are not allowed to pay with a personal loan. Check with your personal lender to see if there is anything specific they say you cannot use the funds for, as the lender may require you to repay the entire loan immediately with interest if you choose to. use it to cover prohibited expenses. .

Notably, most personal loans generally cannot be used to pay tuition, make a down payment on a home, or cover business-related costs. For this type of expense, it is better to opt for other types of credit or pay cash instead.

What can personal loans be used for

Other than that, personal loans can be used to pay for many things including wedding expenses, home repairs, medical expenses, a new car, moving expenses, household appliances, equipment. exercise and furniture, among other expensive items.

Personal loans can also be used for debt consolidation. With a debt consolidation loan, the new lender will pay off all your existing accounts, whether credit cards, student loans or other personal loans – you are then responsible for paying the personal lender a fixed monthly payment.

Debt consolidation can be helpful for those who are struggling to repay multiple loans or lines of credit. You should, however, make sure that you are not spending more interest with this type of loan than you would by making the payments on your existing accounts.

Select ranked Reached as one of the best debt consolidation loans for people with fair or average credit and LightStream as best for those with good or excellent credit.

Beginner personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, credit card refinancing, marriage, moving or medical

  • Loan amounts

  • Terms

  • Credit needed

    FICO or Vantage score of 600 (but will accept applicants whose credit history is so poor that they have no credit score)

  • Assembly costs

    0% to 8% of target amount

  • Prepayment penalty

  • Late charge

    Greater of 5% of monthly amount past due or $15

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.99% to 19.99%* when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, renovation, car financing, medical expenses, marriage and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Fees to know

There are several fees associated with personal loans that you should be aware of. For starters, you may encounter late fees if you don’t make your payment on time or prepayment penalty charges, intended to discourage borrowers from prepaying their loan, if you manage to repay your loan before the term of the loan term. ends.

Finally, there may be a an origination fee, or fee for making the loan, which is usually represented as a percentage of the loan and deducted from the original loan amount. Origination fees can vary from 1% to 5% and many lenders do not charge any origination fees, such as Marcus by Goldman Sachs Personal Loans and LightStreammentioned above.

Also select rated PenFed Personal Loans and Discover personal loans among the best personal lenders based on several factors, including no origination fees, no prepayment penalty fees, and the length of the approval process.

PenFed Personal Loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, medical bills, car financing and more

  • Loan amounts

  • Terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

Discover personal loans

  • Annual Percentage Rate (APR)

  • Purpose of the loan

    Debt consolidation, home improvement, wedding or vacation

  • Loan amounts

  • Terms

    36, 48, 60, 72 and 84 months

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

At the end of the line

There are very few things that personal loans cannot pay for. However, it’s still important to check the fine print and terms of your loan, as using it for prohibited expenses could force you to pay it back immediately.

Check out Select’s in-depth coverage at personal finance, technology and tools, The well-being and more, and follow us on Facebook, instagram and Twitter to stay up to date.

Editorial note: Any opinions, analyses, criticisms or recommendations expressed in this article are those of Select’s editorial staff alone and have not been reviewed, endorsed or otherwise endorsed by any third party.

How I travel: Sterling K. Brown searches for rainbows in Kauai

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Hawaii. I have been to Kauai several times. The lushness of the interior, the beaches around it, the level of peace, the people, the pace at which they live, you can’t help but slow down. The other place for me, which is quite the opposite, is New York. I like the spirit of New York. When my family comes and they say, “Can you move slower?” I’m like, “No, we in New York. We have to go. So I need something that says, “Hey, take a look.” ” That’s wonderful. There is a rainbow almost every day. [in Hawaii], because it will rain and it will be light, then it will rain and it will be light. Evidence of divinity is everywhere in this place.

What his family is looking for on vacation:

My wife’s priority, which is becoming my priority, is the beach. There is Hawaii, Fiji, Samoa. If we go to Africa, we will be on the coast. She’s like, “We’re not going inland, brah. We have to be near water. Cape Town is a destination that’s been talked about for a number of years, the Greek Islands, Portugal. Anyone what a place that has a beach will be very exciting for the wife.And my son who told me that I can’t call football football it’s football he would love to go to see games in Europe. [Like] Italy or Spain, to see Real Madrid or PSG, wherever there is a major match.

A place he found surprisingly child-friendly:

I had the privilege of spending a few extended stays in Florence, Italy. This place is just ridiculous. Italy is very family-friendly, I found. I went with my eldest son when he was only two years old, and we let him run around and people would pick him up. “Oh, piccolo, piccolo, piccolothis piccolo little baby.” We would eat in restaurants and the older Italian women would say to him, “Eat, eatThat focus on family was such a treat. And then the art is stunning. Walking around the corner from the Accademia and seeing David and thinking, someone made a man out of Pierre. He has a vein in his arm! It blew me away. I have a weakness for Florence. It’s probably the [city] with whom I am most intimate.

The equipment of the hotel to which he is very attached:

I’ll give you one that’s inconvenient for a lot of people and probably my publicist: the bidet. It’s not an everyday occurrence, but when it does happen, it’s always the most delicious of surprises. If there’s a fancy bathroom with a heated seat and a bidet, you’re like, Oh boy, we’re gonna be clean today.

How he follows his professional trajectory through hotel stays:

The last time I visited Kauai was before the last few years when Brown had great success. My wife and I were staying at an affordable place, Koʻa Kea, and decided to go to the St. Regis Kauai [now the 1 Hotel Hanalei Bay], just to take a look and see what it looks like. We walked around the grounds and were like, ‘Okay. One day, we’re going to come back to this place.’ Recently, I had the chance to make such a comeback with the [Ritz Carlton] Bacara in Santa Barbara. When we got married 16 years ago, I couldn’t afford Bacara. We stayed at Inn Montecito then driven to Bacara for dinner. I could afford a meal. For our 15th birthday, we stayed at Bacara for four days. Ocean view! I was like, I did it. If I can go back and do that for the St. Regis Kauai, that will be really good.

Where he hopes to go next:

I look forward to taking my family to the homeland whether it is Ghana, Nigeria or South Africa. There was this homecoming a few years ago in Ghana and we had an invitation, but it was in conflict with It’s usthe schedule. My passport needs more stamps!

Starbucks really wants to ruin its loyalty program

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Starbucks (SBUX) pioneered the modern loyalty program by using its app to drive customer engagement.

You don’t need to place a digital order to get loyalty program rewards with the cafe chain – top-tier members used to receive a gold membership card in the mail – but you do need to use the app.

Customers download the app and then are rewarded for using it to buy food and drink. It’s a good experience because users can customize their orders, get exactly what they want, and the store saves the expense of taking orders and capturing email addresses.

The Seattle chain has found a way to increase customer loyalty, improve in-store and pickup experiences, and collect email addresses by investing in technology. The company created the model that almost all fast food and fast food chains now use.

The Starbucks loyalty program generates repeat visits in three ways, the first being the most important.

  1. You get free stuff: Spend money at Starbucks and you earn rewards points that quickly lead to free drinks, food, and freebies like ceramic and reusable coffee mugs.
  2. It’s easy to use: You can customize your order as much as you want.
  3. Starbucks will send you offers: The channel may use its app and mailing list to drive traffic through offers and specials.

At the heart of the program, Starbucks offered a high-tech version of a punch card. You buy a few glasses and get one free. It’s a simple and valuable proposition that benefits the channel and the customer.

Now, for reasons known only to its executive management, Starbucks wants to screw up the system by adding non-fungible tokens to its loyalty program.

Starbucks really wants to ruin its loyalty program

Sometimes even smart business leaders overthink things.

Starbucks has tried various other freebies through its loyalty program (streaming music and ridesharing), but that’s not why people are using the app. The chain’s customers use the app because it’s convenient, and if they use it regularly, they get free food and drink.

Anything that distracts from it is superfluous. But Starbucks, for some reason, thinks adding NFT will improve their program.

The channel pitched the idea on September 12:

Starbucks today unveiled Starbucks Odyssey, a new experience powered by Web3 technology that will offer Starbucks Rewards Members and Starbucks Partners (Employees) in the United States the opportunity to earn and purchase collectible digital assets that will unlock the access to new benefits and immersive coffee experiences. Starbucks is one of the first companies to integrate non-fungible tokens (NFTs) into a cutting-edge loyalty program at scale, while building a digital community that will allow Starbucks new ways to engage with its members and customers. partners.

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Seems like a lot of spending when the chain could have just offered members more food and drink benefits. The whole thing seems like the channel is jumping into the Next New Thing even though no one is claiming it.

“By integrating with the Starbucks Rewards ecosystem and anchoring the experience in coffee, connection, and community, we’re entering the Web3 space unlike any other brand, while deepening our members’ connection to Starbucks.” , said Brady Brewer, chief marketing officer. statement.

“Our vision is to create a place where our digital community can come together over coffee, engage in immersive experiences, and celebrate the legacy and future of Starbucks.”

That’s a lot of words to say not much.

Nobody wants NFTs from Starbucks

Starbucks maintains relationships with its customers, and a small percentage of that audience collect mugs from various states.

Offering NFTs as part of its digital rewards may appeal to a similar subset of its audience, but it’s a niche game that ignores that its loyalty program is driven by people earning stars to get rewards. free food and drinks.

Starbucks wants to deepen its connection with customers in ways it’s hard to imagine customers want.

“Once logged in, members can engage in Starbucks Odyssey ‘journeys’, a series of activities, such as playing interactive games or completing fun challenges to learn more about coffee and Starbucks,” said the channel in a press release.

“Members will be rewarded for taking trips with a collectible digital ‘travel stamp’ (NFT).”

Members can also purchase NFTs, or stamps, which really seem to have little to do with the basic “I give you money, you give me coffee” relationship. And yes, people can work in the chain’s cafes or meet friends there, but is anyone really looking for a deeper relationship with their local SBUX outlet?

“As stamps are collected, members’ points will increase, unlocking access to unique benefits and experiences never before offered,” the channel said.

“These experiences can range from a virtual espresso martini-making class, to access to unique products and artist collaborations, to invitations to exclusive events at Starbucks Reserve Roasteries or even trips to the Starbucks Hacienda Alsacia coffee farm in Costa Rica.”

Okay, maybe a free trip is nice, but few, if any, customers want NFTs added to their coffee shop experience. It’s Starbucks that makes something simple really complicated for no reason.

Public service workers have 6 weeks to apply for student loan repayment waiver

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Borrowers who want student loan forgiveness for public service work have a rapidly shrinking window to seek relief under a temporary waiver. The Biden administration has updated key guidelines for the program, clarifying what borrowers must do to apply.

Here is the latest.

Student Loan Forgiveness For Public Service Borrowers Ends Next Month

The Public Service Loan Forgiveness (PSLF) provides federal student loan forgiveness to borrowers who have dedicated their careers to public service work. Borrowers who work 10 or more years for public or nonprofit organizations while meeting other (sometimes complicated) program requirements can have their entire federal student loan balance forgiven.

But PSLF has been plagued with problems for years due to complex regulations, administrative oversight issues and poor account management by loan officers. Approval rates barely exceeded two percent.

In response to these issues, last year the Biden administration signed into law the Limited PSLF Waiver, a move that temporarily relaxes many of the strict rules of the PSLF program. Specifically, the PSLF Limited Waiver allows the Department of Education to retroactively credit large prior loan periods (including certain deferment and forbearance periods) toward a borrower’s loan forgiveness term under of the PSLF which may have been previously rejected.

But the limited PSLF waiver is a temporary program and is due to expire on October 31 – in just over six weeks. Student borrower advocacy groups and Democratic lawmakers have urged the Biden administration to extend the deadline, but so far administration officials have given no indication that an extension is coming. Meanwhile, millions of borrowers who could benefit from the waiver initiative have yet to take action.

Department of Education updates limited PSLF waiver guidelines

With just six weeks left until the limited PSLF waiver expires, advocates are growing concerned that millions of borrowers who just learned of the initiative could miss the boat by receiving relief. Many borrowers will need to take specific steps by October 31 to qualify for PSLF credit and loan forgiveness. Specifically:

  • Borrowers with FFEL program loans should consolidate those loans through the Federal Direct Consolidation Loan Program.
  • Borrowers who have not submitted the PSLF employment certification forms for every civil service employer they have had should do so.

Both of these steps can take time, and even more time for the education department. Borrowers and advocates fear that if direct loan consolidation and employment certification are not completed as of October 31, borrowers would lose PSLF relief.

This month, the Ministry of Education updated its guidance on limited PSLF exemption and clarified that borrowers must submit their relevant applications by October 31 to qualify for the limited PSLF waiver, but these applications do not have to be treaty by the Department of Education on that date for borrowers to receive relief.

For Direct Loan Consolidation, the Department of Education states, “If you have FFEL, Perkins, or other types of loans that are not Direct Loans, your Consolidation Application must be submitted online through StudentAid.gov before 11:59 p.m. Eastern Time on October 31, 2022, so that you can receive the benefits of the PSLF Limited Waiver.

For PSLF Employment Attestation forms, the Education Department asks borrowers to “use the PSLF Helper Tool before October 31, 2022, to generate a PSLF form that will ultimately be approved. [The Education Department] will keep a record if you have completed all steps of the PSLF Support Tool by October 31, 2022, but you must still print, sign, have your employer sign, and submit the PSLF form to MOHELA, the PSLF service.

Alternatively, borrowers can submit a manual PSLF form (not generated by the PSLF Helper Tool) signed by the borrower’s employer, but it “must be dated October 31, 2022 or earlier, and this form must be subsequently approved, for the borrower to receive PSLF credit. The Department of Education states that “[t]To receive the benefits of the PSLF Limited Waiver, the employer signature and date on your PSLF form must be on or before October 31, 2022, even if you submit your form at a later date… If the signed date by the authorized representative of your employer of record is on or after November 1, 2022, normal program requirements for PSLF” apply.

Resources for Borrowers Seeking Student Loan Forgiveness Through a PSLF Waiver

Borrowers can learn more about the limited PSLF waiver hereor PSLF more generally here.

Use the online consolidation tool if you need to consolidate your loans through the direct consolidation program, or the PSLF Helper Tool start working on the PSLF Employment Attestation Forms. The Department of Education has also released a new PSLF employer search tool for borrowers who are unsure if their job qualifies.

Further Reading on Student Loans

When can borrowers expect student loan forgiveness under Biden’s new plan?

134 groups urge Biden to extend expiring student loan forgiveness initiatives, while top officials tell borrowers to apply now

Student loan borrowers should note these critical dates for loan cancellation and repayment

Biden’s student loan forgiveness could be taxable in some states

A museum honoring the black architect opens in the renovated presbytery of the 16th Street Baptist Church

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A new $2.5 million museum honoring black civic leaders from the 1880s to 1920s opened Thursday inside the former presbytery of Sixteenth Street Baptist Church.

A ribbon cutting for the Wallace A. Rayfield Museum and the renovated Rectory at Sixteenth Street Baptist Church was held Thursday after the annual memorial celebration honoring the victims of the 1963 bombing at the church that killed four girls. National television and radio evangelist Tony Evans, senior pastor of Oak Cliff Bible Fellowship in Dallas, spoke at the memorial.

Evans helped lay a wreath at the site where the bomb exploded on September 15, 1963 at 10:22 a.m. during Sunday school time. Four girls were killed: Addie Mae Collins, Denise McNair, Carole Robertson and Cynthia Wesley.

The presbytery, built in 1914, houses the offices of the church, which have been moved upstairs. The lower portion of the building now features exhibits honoring Wallace A. Rayfield, the architect who designed the 16th Street Baptist Church which was built in 1911. Other honorees include the former Baptist pastor of 16th Street William R. Pettiford, who founded the Alabama Penny Savings Bank. who offered business and real estate loans to blacks during Reconstruction, and Thomas C. Windham, a contractor and church administrator who oversaw the building of the church.

About 80% of the museum’s funding came from federal grants, including the National Park Service and the National Trust for Historic Preservation.

“The Parsonage represents building the black community when most lacked the courage to stand up,” said Jefferson County Commissioner LaShunda Scales, who said the commission awarded $125,000 in funding. dollars to the museum and planned to donate another $25,000 to cover the cost. of finishes. Private donors included Amazon Inc.

Ted Debro, chairman of the trustees of Sixteenth Street Baptist Church, said the museum will be open to the public beginning Tuesday, 10 a.m. to 4 p.m., and will be included in the $10 historical tours of the church.

See also: Tony Evans speaks at the 16th Street Baptist Church memorial honoring the victims of the 1963 bombing

Sister of girl killed in 1963 church bombing shares her story in ‘Dear Denise’

School children line up to see the Wallace A. Rayfield Museum Thursday, Sept. 15, 2022, in the rectory of the newly renovated Sixteenth Street Baptist Church. (Photo by Greg Garrison/AL.com)

With inflation soaring and pandemic-era aid ending, USDA announces $2 billion for food banks and schools.

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The United States Department of Agriculture announced on Wednesday that it is providing nearly $2 billion in additional funding to food banks and school lunch programs to purchase foods grown in the United States.

The announcement comes as key indicators suggest so hunger in America is on the rise again. The end of nearly all pandemic-era social safety net programs, coupled with soaring food, rent and fuel inflation, has meant families across the country are struggling to cover basic costs.

The most recent census data shows that 24.5 million Americans sometimes or often report not having enough to eat in the week between July 27 and August 8. This is against 21 million in December and 18 million a year ago.

Approximately $1.5 billion will be allocated to food banks. According to the latest survey from Feeding America, the largest network of food charities, 40% of member food banks saw an increase in the number of people served in July compared to June. Another 40 percent of food banks said that even in the face of low unemployment, they have seen no reduction in need in recent months.

“Talking to food banks and pantries across the country, here’s what we’re hearing,” Agriculture Secretary Tom Vilsack said in an interview. “The demand is high, in terms of need, costs have gone up, work – whether paid or volunteer – is a struggle and donations have gone down because people think the pandemic is in the rear view mirror.”

The universal free school meals scheme is about to expire

Another $500 million will go to schools to buy food for their lunch and breakfast programs, Vilsack said. During the pandemic, the federal government gave more money for school nutrition programs, and all American school children were offered free school meals without demonstrating the need. This emergency program has just ended.

The money comes from the Commodity Credit Corporation, created by an obscure act of the Great Depression intended to “stabilize, support and protect farm incomes and prices”.

Donations are down, supplies purchased by food banks have become much more expensive, and the need is back, said Jason Jakubowski, general manager of Connecticut Foodshare in Wallingford, Connecticut.

“Anecdotally, what we’re hearing is that a lot of it is due to inflation – that’s people’s biggest concern,” he said. Before the pandemic, about 70% of the food they distributed was donated. It’s about 55 percent now. Monetary donations have been strong, he said, but nonetheless things look grim.

“We know spending $16 million a year on food purchases is unsustainable,” he said. Food banks spend their cash reserves, reducing operating costs to buy enough food.

Food banks are themselves faced with rising food prices. The Food Index rose 11.4% in August from a year ago, the biggest 12-month increase since the period ending in May 1979, according to data from the U.S. Bureau of Labor Statistics released tuesday. Peanut butter, a mainstay of food banks, is an example.

Stocks fall after inflation report shows unexpected price rise in August

Connecticut Foodshare uses a peanut butter trailer every few weeks. That’s one pot each for about 34,560 households. The food bank isn’t brand loyal, and they’re not bigoted about creamy versus chunky. But no matter how they split it, a trailer of peanut butter now costs $7,000 more than it did 16 months ago.

This new rise in U.S. food insecurity follows promising data on the effectiveness of pandemic relief programs.

According to the USDA Food Security Report released last week, 2021 saw the lowest rate of food insecurity among all individuals and children on record.

The main conclusion of the report: the number of children facing hunger in 2021 has dropped dramatically. Last year, 9 million children in the United States lived in households considered “food insecure”, or about 1 in 8 children. Not only is this a substantial drop from 2019 and 2020 and at the peak of the pandemic, but it’s also the lowest number on record since the USDA started tracking this in 1998.

Four hidden reasons why food prices are crazy right now

For Erica Richardson, 50, of Salisbury, Maryland, making ends meet during the pandemic has been difficult, but she says it’s gotten even harder over the past two months.

She receives about $300 a month for food from the Supplemental Nutrition Assistance Program, what used to be called food stamps, and an additional $328 from the Temporary Disability Assistance Program. Richardson is disabled, she said, suffering from asthma, diabetes and COPD.

“Now the prices are going up, and that’s why food stamps aren’t enough. I noticed it last month and the month before. And sometimes it’s hard to get food through food banks,” she said.

She goes once a month, on a Tuesday or Thursday, to Salisbury Urban Ministries, around the corner from the house she shares with a friend. She receives a shopping bag full of meats, canned goods and toiletries, but even with that regular help, it’s been hard to make ends meet recently, she said.

Tough times are about to get tougher as the federal government prepares to lift the coronavirus public health emergency, which has increased allocations for SNAP and other assistance programs, said Vilsak.

Rising food prices nationwide are pushing more Americans to food banks

SNAP usage has grown by more than 4 million recipients during the pandemic and all participants have experienced maximum benefits. The Food Research and Action Center has calculated that with the end of emergency allocations, which Vilsack says could happen as early as October, 41 million SNAP recipients will lose an average of $82 in food benefits per month and some households will see their benefits drop to as much as $200 per month.

The Maryland Food Bank saw a sharp increase in inbound calls for SNAP assistance between March and June, compared to the same time last year, said Joanna Warner, the food bank’s communications director. And between March and May, the number of Marylanders relying on the food bank’s network of food assistance partners increased by 30%, according to the food bank’s analysis of caller data and visits to the pantry.

The food bank has doubled the number of pounds of food it purchases and the price it pays per pound has more than doubled, Warner said.

“Whatever the hardship factors, people are losing ground, that’s what we hear,” she said.

And with most U.S. schools back in session, school nutrition administrators continue to grapple with labor shortages, rising food costs and supply chain issues that can leave districts without sellers of milk or essential ingredients, said Donna Martin, director of Burke County’s school nutrition program. , Ga.

Inside a Georgia school district’s battle to serve healthy, homemade food despite shortages and soaring prices

To add to the challenges, she said, getting families to fill out applications for free and reduced-price meals for the first time since the pandemic began, which will leave schools with a “meal debt because families will not complete applications and will not. have money to pay for meals,” she said.

According to Vilsack, this new money for schools is the third round of supply chain assistance funds to purchase foods such as fresh fruit, milk, cheese, frozen vegetables and ground meat. Each state will allocate the funds to schools based on student enrollment, with a minimum amount per district to ensure that small schools are not left behind.

The money given to schools will allow them to start placing orders by the end of this calendar year and deliveries of staple foods to food banks will take place on an ongoing basis throughout fiscal years 2023 and 2024.

Announcement of nominees for Player(s) of the Year

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The squad has four capped players –Robert Baloucoune (2 caps), Caolin Blade (1 cap), Shane Daly (2 caps) and Max Degan (1 selection) – and three players who faced the Māori All Blacks during the summer: Ciaran Frawley, Joe McCarthy and Cian Prendergast.

Jamie Osborne and Tom Ahern both trained with the senior Ireland team as development players.

Eight players featured in the Ireland U20 squad that won a Six Nations Grand Slam in 2019 – Tom Clarkson, Brian Deeny, Jake Flannery, John Hodnett, Michael Milne, Scott Penny, Callum Reid and Dylan Tierney-Martin.

Six Nations U20 Grand Slam winners 2022 James Culhane and Chay Mullins are included. James was named U20 Player of the Tournament while Chay won a bronze medal at the Rugby Sevens World Cup in Cape Town.

Andre Smith also played for Ireland 7s last weekend in the Rugby 7s World Cup in South Africa. The former Ireland U20 has played in seven World Series tournaments and won an Energia AIL title with Clontarf this year.

Ireland’s Andrew Smith in action during the Rugby 7s World Cup in Cape Town Mandatory Credit ©INPHO/Travis Prior

David NuciforaIrfu’s performance director, said:

“This tour to emerging Ireland is of vital strategic importance in a Rugby World Cup year. It will put a bit of a strain on our player resources, but it will provide an opportunity for emerging talent to impress national coaches. at the start of a World Cup season.As these players return to their provinces, their progress can be monitored and supported so that they continue to be part of the national team image.

The three games in Bloemfontein and the game against the All Blacks XV in Dublin offer an incredible opportunity for these players to gain experience in the national environment and to gain a place in the thinking of the coaches for the season in come.

Andy Farrell, Ireland head coach, commented: “This opportunity provides another window for players to develop and show that they can thrive in the intensity of a home environment. It will be exciting to see which players step up and get in the frame for another opportunity to impress in November.

“For some players it’s an opportunity to build on what they’ve already learned at national camp and take their development to the next level, for others it’s a first chance to show coaches nationals what they do and what they can offer.”

Simon EasterbyEmerging Ireland head coach said: “The coaching staff are really delighted to be working with this team and expanding the selection pool for the national team.

“We will look to replicate the national team environment and training intensity, so players have a good understanding of what it takes to perform at the highest level. Players will need to adapt to the tactical and technical approach of the national team in a very short period of time and coping with the pressure of playing in a green jersey.

Emerging Ireland Team – Toyota Challenge 2022

Back (15)

Robert Baloucoune (Ulster/Enniskillen)*
Caolin Blade (Connacht/Galwegians)*
Jack Crowley (Munster/Cork Constitution)
Shane Daly (Munster/Cork Constitution)*
Nathan Doak (Ulster/Banbridge)
Jake Flannery (Ulster/Shannon)
Antoine Frisch (Munster)
Ciaran Frawley (Leinster/UCD)
Michael McDonald (Ulster)
Ethan McIlroy (Ulster/Queens RFC)
Stewart Moore (Ulster/Malone)
Chay Mullins (Connacht/IQ Rugby)
Calvin Nash (Munster/Young Munster)
Jamie Osbourne (Leinster/Naas)
Andrew Smith (Leinster/Clontarf)

Forwards (20)

Tom Ahern (Munster/Shannon)
Diarmuid Barron (Munster/Garryowen)
Tom Clarkson (Leinster/University of Dublin)
James Culhane (Leinster/UCD)
Max Deegan (Leinster/Lansdowne)*
Brian Deeny (Leinster/Clontarf)
John Hodnett (Munster/UCC)
Sam Illo (Connacht)
Cormac Izuchukwu (Ulster/Ballynahinch)
Alex Kendellen (Munster/UCC)
Joe McCarthy (Leinster/University of Dublin)
Michael Milne (Leinster/UCD)
Scott Penny (Leinster/UCD)
Cian Prendergast (Connacht)
Callum Reid (Ulster/Banbridge)
Roman Salonoa (Munster/Shannon)
Alex Soroka (Leinster/Clontarf)
Tom Stewart (Ulster/Ballynahinch)
Dylan Tierney-Martin (Connacht/Corinthians)
Josh Wycherley (Munster/Young Munster)

* Capped for Ireland

Emerging Ireland Toyota Challenge Calendar 2022

Windhoek Draft Griquas vs Emerging Ireland
Toyota Stadium, Bloemfontein, South Africa
Friday 30th September 2022, KO 12.45pm (Irish time)

Airlink Pumas vs Emerging Ireland
Toyota Stadium, Bloemfontein, South Africa
Wednesday 5th October 2022, KO 4.00pm (Irish time)

Toyota Cheetahs vs Emerging Ireland
Toyota Stadium, Bloemfontein, South Africa
Sunday October 9, 2022, KO 12:00 (Irish time)

Previous story World Cup Dream Team honors for McNulty and Kennedy

A century of philately celebrated through postal vans

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Bruce Graves and Colin Dyer unveil the personalized stamps of the Manawatū Philatelic Society marking 100 years of philately.

David Unwin / Stuff

Bruce Graves and Colin Dyer unveil the personalized stamps of the Manawatū Philatelic Society marking 100 years of philately.

From Royal Mail delivery vans to NZ Post Paxster buggies, Manawatū philatelists have been fascinated by the stories behind the stamps.

To celebrate their company’s 100th anniversary, they have chosen delivery vehicles from the 1920s and today to feature on personalized stamps which they hope will become treasured collectibles.

Manawatū Philatelic Society president Colin Dyer and newsletter editor Bruce Graves look forward to the limited-edition release at a centennial dinner on Saturday.

There will be a separate public unveiling, complete with centenary postmarks and envelopes, at an exhibition of stamps, coins and postcards at the Palmerston North Community Recreation Center on Saturday October 15th.

READ MORE:
* Stamp shortage hits NZ Post stores in Christchurch
* Timaru’s biannual stamp fair is also a fundraiser for church upgrades
* Donors and stamp collectors unite for society’s stamp fair

Graves and fellow collector Tony Thackery wrote a history of the society, from 1922 to its peak in the 1980s when it had over 300 members.

It was a time when people had disposable income and time for the hobby, generally collecting by subject matter – Graves was fascinated by anything to do with space – and before the digital age reduced the volumes of mail.

As some 262 post offices across Manawatū have shrunk to a handful of outlets, postmarks have become just as valuable and interesting as the stamps themselves, serving as a reminder of the post office’s role in a small community. , up to following the path of an important letter.

The Philatelic Society is celebrating its 100th anniversary by issuing stamps depicting a 1920s postal delivery van and one of the modern day buggies.

PROVIDED

The Philatelic Society is celebrating its 100th anniversary by issuing stamps depicting a 1920s postal delivery van and one of the modern day buggies.

Some bore numerous postmarks, illustrating the efforts made by postal workers to have letters redirected to their recipients.

The practice of soaking stamps from paper and articulating them in albums remained, but collectors found new ways to display the full package and tell stories of history through stamps.

“It’s not just stamps on a page anymore.”

Graves said that whenever people came to him to sell or sell collections, he advised them to keep any addressed envelopes that could provide valuable insight into the family’s history.

The society now had about 60 members, with an infectious enthusiasm for their hobby.

A 1920s mail delivery van maintained by Dennis Milne at Mt Stewart is featured on one of the Manawatū Philatelic Society's centenary stamps.

PROVIDED

A 1920s mail delivery van maintained by Dennis Milne at Mt Stewart is featured on one of the Manawatū Philatelic Society’s centenary stamps.

While many young people barely knew what a postage stamp was, collectors sorted, displayed and told the stories behind the stamps, their seals and their envelopes in ever-changing ways.

They had noticed a surge in interest and recruited new members, following the Covid-19 lockdowns which gave people time at home to explore the contents of their cupboards.

The men said the death of Queen Elizabeth II would draw a line under certain collections specializing in stamps depicting the monarchy, while other philatelists would eagerly await the first issue of stamps depicting King Charles III.

Diego Costa returns to the Premier League, but which other players have mastered the black art?

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Just when Premier League centre-backs thought the way was clear, Diego Costa returned to torment the English top flight once again after completing a free transfer to Wolverhampton Wanderers.

The 33-year-old former Chelsea striker has returned to England after agreeing a short-term deal with Wolves until the end of the season, without a club since leaving Brazilian side Atletico Mineiro in January .

Brought as cover for the wounded Sasa Kalajdzic, Costa’s timely arrival at Molineux was heralded with the help of a fitting video clip of the veteran striker emerging from the shadows wielding a pack of snarling wolves for lengths of string. Although he didn’t seem too comfortable with it, tell the club website“I was scared to death. Holding onto that chain, I kept thinking, ‘What if this wolf thought about jumping on me?’ and then the three did. … They were wolves, not dogs. It was a cool experience but not a very comfortable one. I have five dogs, but they’re not wolves!”

Costa scored a thoroughly respectable 52 goals in 89 games in his first spell in the Premier League from 2014 to 2017, but also found infamy due to his habitual practice of the dark arts of football. He returns with a reputation as a fleeting character, relentlessly tenacious and often out of control. Yes, he may be older now, but it’s unlikely to have blunted him at all.

– Stream on ESPN+: LaLiga, Bundesliga, MLS, more (US)

The Spain international picked up an impressive 31 yellow cards in his three seasons at Chelsea, but let the record show he only received one red card (versus Everton in the quarter-finals of the 2015-16 FA Cup).

Still, there were plenty of nudges, scrapes, scrapes and frowns to go along with all the deliberate provocation and playfulness – but where does Wolves’ new striker rank in the alongside other modern Machiavellian masters of the game?

Ramos has one of the worst disciplinary records in modern football, having been sent off a total of 27 times during his professional career. Although seemingly skilful and composed, the 36-year-old centre-back is ready to plumb the depths of poor sportsmanship if it means gaining a slight advantage over his opponents. Unfortunately for him, there is a line, and Ramos often crosses it quite recklessly.

Most heinous act: Few could ignore Ramos’ conduct during the 2018 Champions League final between Real Madrid and Liverpool in which the Real captain literally jumped on it Mohammad Salah and ended the Egyptian winger’s evening prematurely (and in tears) with just 30 minutes played in Kyiv.

Still going strong at the age of 39, Pepe earned a reputation during his time at Real Madrid as one of the most aggressive defenders in the world. While hard tackles were routine, the Portugal international also regularly deployed sly stamps, hair pulling, trash talk and other equally nefarious maneuvers in order to gain the upper hand.

Most heinous act: Pepe’s disciplinary rap sheet spans volumes, but his worst foul came during his Madrid pump-up in 2009, when the centre-back knocked Javier Casquero to the ground, lost his rag, broke and immediately started kicking out of Getafe. the attacker as he lay prone and helpless.

One of the greatest Italian centre-backs of all time, Chiellini is part of a great line of tough and stubborn defenders feared by forwards around the world. Like several of his predecessors, the Juventus legend was also more than happy to switch to a more physical and antagonistic approach if it meant keeping his opponents at bay.

Most heinous act: There have been some incredibly stiff moves and industrial tackles over the years, but arguably Chiellini’s most wanton act of destruction came in the Euro 2020 final. When he was suddenly faced with a one-on-one sprint against the keen England winger Bukayo Saka in the 96th minute, the veteran defender instead opted to drag the youngster to the ground using his shirt collar, nearly relieving him of his head in the process.

Every great team needs a kingpin, and Busquets filled that role for Barca and Spain as they set out to conquer domestic, European and world football for several years throughout the 2010s. as one of the most decorated footballers of the moment, it’s hard to berate or undermine the defensive midfielder’s contribution, providing the courage needed in a silky smooth and perfectly balanced midfield unit alongside Andres Iniesta and Xavier.

Most heinous act: The one moment that could sum up Busquets’ unique approach to the dark arts isn’t an appalling foul or bad off-the-ball indiscretion, but a look – a single sneaky glance through the fingers as he was lying on the ground during a Champions League game against Inter Milan in 2010. The Barca midfielder was clutching his face and writhing in pain after being ‘elbowed’ by an Inter player. However, many onlookers immediately suspected that he might be exaggerating his anguish and of course all doubts were duly dispelled when the cameras spotted Busquets momentarily stopping to writhe in order to shrewdly assess the situation through his hands from his vantage point on the floor.

Lo and behold, Busquets’ “Peekaboo” meme was born.

Uruguayans have a name for their famous national fighting spirit with “Garra Charrua” literally translating into English as “the Claw of the Charrua” — the “plow” being the indigenous tribe that called the South American country their home in ancient times. Few players have embodied this unwavering tenacity and courage more than Suarez, who simultaneously functions as one of the most technically gifted footballers than the country has ever produced as well as one of the shamelessly odious.

Most heinous act: There’s no doubt about Suarez’s most diabolical transgression, and coincidentally, it also happens to involve another previously mentioned thug in this gallery. It was 2010. The place was the Arena das Dunas in Natal, Brazil. The occasion: the World Cup group match between Uruguay and Italy. The crime? Attempt at cannibalism.

Whereas Toni Kroos and Luka Modric did all things silky smooth, Casemiro became an integral part of Real Madrid’s famous midfield trio by virtue of a simple desire to do all the muddy work during games and free up his teammates to go about their business more elaborate. Now strong for Manchester United, the Brazilian continued in the same vein as flair players such as Bruno Fernandes and Christian Erikson concentrate their efforts on pulling the strings further upstream.

Most heinous act: Casemiro left Madrid with a cavalcade of stinging tackles and tactical fouls in his wake, but surely worst of all has to be the serious close-range assault he made against Fred, kicking the ball to his own teammate while on international duty with Brazil. Will be interesting to see if the same thing happens at Man United now.

A large historical pen sketch drawn and signed by Neil Armstrong will be in the University Archives…

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Circa 1990 historical sketch hand drawn and signed by astronaut Neil Armstrong depicting major elements of the Apollo XI moon landing, 21 inches by 15 inches, with Steve Zarelli COA (est. $90,000 – 110 $000).
University archives

WILTON, Conn. – A large historical pen sketch drawn by hand and signed by Apollo XI astronaut Neil Armstrong, a manuscript fragment in George Washington’s handwriting of the first draft of his inaugural address in 1789, and the formula Black -Scholes-Merton handwritten and signed by Nobel Prize-winning economist Robert C. Merton are just a few of the superstar lots expected in the University Archives’ online-only auction scheduled for Wednesday, September 28 at 10 a.m. 30 Eastern Time.

The auction of autographs, manuscripts and rare books presents historical material from several categories of collection. All 415 lots are now open for viewing and auction (on the University Archives website: www.UniversityArchives.com), as well as LiveAuctioneers.com, Invaluable.com and Auctionzip.com. Telephone and mail order bidding will be taken, but there are no live auctions in the gallery.

“Our September auction offers collectors, dealers and institutions the opportunity to acquire exceptional autographed documents, relics, photographs and more,” said John Reznikoff, President and Owner of University Archives. “Sales highlights in the Science and Space, US Presidents and Military History collectible categories will generate considerable interest. Top-notch items can also be found in the Music, Early American, International, and World Leaders collectible categories.

The large, historic 21-inch by 15-inch pen sketch hand-drawn and signed circa 1990 by Neil Armstrong depicts significant elements of the Apollo XI moon landing, including the trajectories of the command and lunar modules, as well as the dark side of the moon represented by hatch marks. The drawing was authenticated by Steve Zarelli Space Authentication (est. $90,000-$110,000).

Handwritten lyrics to the song America the Beautiful (often called our nation’s second national anthem), signed by its author, Katharine Lee Bates (est. $15,000-$17,000).
University archives

The double-sided manuscript fragment comprising more than 60 words in George Washington’s handwriting, taken from the draft of his first inaugural address, was authenticated by 19th-century Washington biographer Jared Sparks. The exquisite content relates to the Constitution. The shard is expected to end between $60,000 and $70,000.

Robert C. Merton (b. 1944) was the co-developer of the Black-Scholes-Merton formula, which revolutionized modern financial trading and won him the Nobel Prize in Economics in 1997. He wrote the famous formula and signed his name on stationery from the Grand Hotel in Stockholm, while in Sweden to accept his Nobel Prize (estimated at $45,000 to $55,000).

Sir Isaac Newton’s 300-plus-word autograph manuscript draft of a religious treatise, believed to have been created around 1698, challenges the concept of the Holy Trinity and picks up on a 4th-century debate about whether God, Christ and the Holy Spirit were distinct substances. Newton asks if “God or a part of him was born from the Virgin…” (estimated between 28,000 and 35,000 dollars).

Secretary of State Thomas Jefferson signed a letter on April 19, 1790, to Samuel Huntington, Governor of Connecticut, announcing the suspension of a controversial clause in Alexander Hamilton’s Revenue Act of 1789, which threatened autonomy (and profits) of Virginia merchants by imposing duties on vessels bound for the Potomac River (est. $15,000 to $20,000).

Black-Scholes-Merton formula handwritten and signed by Nobel Prize-winning economist Robert C. Merton, written on stationery from the Grand Hotel in Stockholm, Sweden during Nobel Prize week (Est. $45,000-55,000 $).
University archives

Speaking of Hamilton, a rare letter written and signed by Hamilton around 1791 to the teller of the Bank of New York, has an estimate of $15,000 to $18,000. The note concerns a plan to take over the famous “sinking fund” of the debts of the States of the War of Independence.

The handwritten lyrics of the song america the beautiful (often called Our nation’s second national anthem), signed audaciously by the songwriter, Katharine Lee Bates, the four stanzas on an 8 ½ by 5 ½ inch sheet, undated, are estimated at $15,000-$17,000. Bates wrote the first draft of america the beautiful in 1893, while teaching English in Colorado.

An extensive archive of over 40 documents spanning from 1786 to 1851, documenting the early days of the US Navy and including the signatures of Matthew C. Perry, William Bainbridge, David Porter, and other naval commanders and various government officials Department of the Navy, is a ready made collection of navy notables and should find a new owner for $10,000 to $12,000.

A good complement to naval records would be a letter written and signed by Franklin D. Roosevelt, as President, dated February 19, 1934, in which he writes: “I too have been collecting sources for many years – mainly US Navy (estimated between $7,000 and $8,000). The letter is addressed to Frank C. Deering, a bibliophile considered one of the great collectors of old Americana.

The cut signature of Thomas Lynch, Jr. (1749-1779), the second youngest of the signers of the Declaration of Independence (and the second rarest), taken from a larger letter or document, has a presale estimate of $10,000 to $12,000. Lynch replaced his father, who had fallen ill, as South Carolina’s delegate to the Stamp Law Congress and the Continental Congress, 1774-1776.

A bound volume of General Orders issued by the Office of the Adjutant General of the War Department from January through November. 1865, including printed military orders related to the demobilization of the Union Army, the situation of freedmen, and other military matters, such as General Orders No. 66 issued April 16, 1865 announcing the assassination of Abraham Lincoln, should fetch between $10,000 and $12,000.

Four coins, dated between 1873 and 1889, either signed by or including significant content relating to George A. Custer, Major Marcus Reno and other veterans of the Battle of the Little Bighorn, carry an estimate of $8,000 to 9 $000. The documents and letters may relate to the disastrous battle itself and its immediate aftermath, including the recovery of relics and subsequent courts-martial.

University archives have become globally recognized as a go-to source for such rare objects. She is actively seeking quality material for future auctions, presenting a rare opportunity for sellers. Anyone with a single item or collection that may be suitable for a future University Archives auction can call John Reznikoff at 203-454-0111 or email him at john@universityarchives.com.

The University Archives was founded in 1979, as a division of University Stamp Company, by John Reznikoff, who began collecting stamps and coins in 1968, when he was in third grade. Industry-wide, Reznikoff is considered the leading authenticity expert for manuscripts and documents. He consults with law enforcement, dealerships, auction houses, and the two major authentication companies.

The University Archives’ new offices are located at 88 Danbury Rd. (suite 2A) in Wilton, Conn.

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Dallas Hurts creates genderless, body-hugging pieces

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“A little camp and a little loyal.”

Dallas Hurst’s journey to form his almost eponymous label, Dallas Hurts, was hardly a linear one. After a life-changing experience, two design schools and three school dropouts, he began assembling a collection from a Sydney shared warehouse turned studio. Devoting time to learning the principles of pattern making, garment construction and high-quality design, the Dallas-based brand began “after a year of doing the fundamentals.”


For more fashion news, shoots, articles and reports, visit our Fashion section.


It’s this attention to and respect for fashion design that has allowed Dallas to turn the classics upside down, subverting the epitome of menswear. Below he talks about experimentation, process and the local fashion industry.

Tell us about you. What is your creative background?

I was into drawing and art very young but at the age of 11 I became obsessed with architecture. I started drawing houses until I found Sims 3. Every day after school I would come home and build houses all night. At that time we were living with my mom’s ex-boyfriend, he was a graphic designer and had a huge collection of design books.

He left when I was 14, so I stole a lot of those books and still have them with me to this day. They formed the basis of my understanding of design. I went to a creative arts high school in Sydney, which really nurtured [my love for design] too. There was no uniform, which was very important to me. I’ve always cared about fashion and personal style, it’s been the most meaningful thing in my life since I was 12… ever since, it consumes me.

During my first year after high school, I found myself in a very bad situation that almost ruined my life. In this situation, I made myself a promise. If I did, I would start taking it seriously and dedicate my life to fashion design. It’s dramatic but yes, it was the start of everything.

How did the label start? Tell us about the process and the challenges.

The following year, I started fashion school. I ended up dropping out three times, three years in a row, in two different schools. I was never going to get out of this. I was completely out of control, immature and spent all my time doing the wrong things.

I saw other people around me balancing life and college very well, but I was one of those who couldn’t. After dropping out for the last time – with almost no skills, $50,000 debt and no degree – my best friend (Fergus Fowler of Senzer Online) and I started renting a warehouse studio to make clothes.

I taught myself how to make patterns, how to sew and how to make clothes. It was early in COVID so I lost my job, got on Centrelink and just made clothes everyday. I moved out of my mom’s house in town and moved into the same warehouse we had the studio. I lived there for almost two years and every day was just about making clothes and developing my skills.

Without a degree, I knew it would be harder for me to break into the industry, so I started the brand as a way to build a portfolio with what I had. This is where the label started and after a year of working on the fundamentals I started experimenting with model making and found my style.

What were you trying to achieve from the project at the time? How has that evolved and what are you trying to communicate through the brand now?

In the beginning, I was just trying to make clothes and put them online, build a portfolio and maybe people would end up buying them. I wanted to give myself a second chance at a career as a designer and as I recovered and developed my skills I began to articulate what I wanted to communicate through my design.

At this point, the best way to frame it is a postmodern take on menswear…removing function and historical relevance and replacing them with exaggerated silhouettes and obscure cuts, reflecting the subcultures I have discoveries. Basically, I want to do genderless menswear.

I want to address the cultural and historical impacts of silhouette, form and how these things affect the way we express ourselves through clothing. What we wear is so steeped in history…most of us don’t even know where certain styles come from, I want to take what’s already [exists] and fold it.

How would you describe Dallas Hurts to someone who has never seen him before?

A dramatic, exaggerated and reconstructed take on menswear, designed for someone who isn’t fazed by others’ perceptions of it. A little camp and a little loyal.

Which piece are you most proud of?

The Wave pants are definitely what I’m most proud of. When I had the idea for the pattern, I started experimenting with the shape. It was one of the first times I visualized the pattern before sketching and exactly how the shape would create the overall silhouette of the garment.

The custom pair I made for DJ Thick Owens’ wedding is what I’m most proud of. He’s someone I grew up with and always admired, so it was a very complete moment for me.

What did you wish you had known when you started?

Take your time, don’t rush, and focus on the fundamentals first. Everyone wants to do some crazy bullshit right off the bat, but you need to fully understand clothing construction and pattern making before you can experiment. Also, don’t compare yourself to others. Just focus on yourself and the progress of your own work and ideas.

Who do you think is the most exciting in the local fashion industry right now?

First, my studio partner Fergus, who runs Senzer Online. I love what Alix Higgins is doing with prints, what Phillip O’Donahoo is doing with recycling, and I love what Ramp Tramp Tramp Stamp is doing in womenswear. Flux 2.0 makes great bags and Diaspora does an amazing job, as does Hilary.

Also, Melbourne’s Die Horny is sick. I don’t really care for most of the local designers who are already established. I think the most exciting designers are young people making wild shit out of scraps of fabric in their bedrooms or studios. A lot of established local designers don’t seem to really push the envelope or do anything new, but I won’t go into that.

What about the local fashion industry that needs to change?

It’s tough but the world doesn’t need your streetwear brand. There are too many cheap clothes in the world and I don’t agree with [people] launch labels with only the intention of making money or adopting designer steeze.

I think local designers should try to create interesting, high quality clothing with a focus on real sustainability, not streetwear products that will fall apart and end up in a landfill or end up in Salvos in a few years. Also, only do custom-made. I love streetwear but there’s a right way and a wrong way to do it. Always quality over quantity.

Dream local collaborators?

I try to collaborate with whoever does experimental clothing in the local scene. All the people I just named before and more. I would really like to work for Perks and Mini one day. I really respect what they have created as a brand and what they stand for. It’s one of the only Australian labels I’d like to work with.

Who’s in your wardrobe right now?

Raf Simons. I’ve been obsessed since I was 14, but it wasn’t until this year that I was able to afford to start collecting. [Also] a bit of Commes des Garçons, Jeremy Scott x Adidas shoes, my own pieces I made and random thrift stores.

Where can we buy your clothes?

On my site, it’s linked to my Instagram. I’ve had to take a step back recently to work and save so I can reinvest but a new collection [is] Coming soon.

Anything else to add?

If there are any kids reading this who want to make a label, I urge you to learn pattern making and clothing construction. Take your favorite clothes apart and put them back together. It’s definitely a long road, but it will work in your favor one day when you can execute your ideas with confidence. Understanding is everything.

Browse the Dallas Hurts collection here.

Stampeders add to Elks misery with 56-28 road win

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EDMONTON — The Calgary Stampeders were more than happy to keep pummeling their rivals while they’re down.

Tommy Stevens scored four short-range touchdowns as the Stampeders helped the Edmonton Elks tie an unfortunate home losing streak record with a 56-28 beating in the Labor Day rematch on Saturday.

Calgary starting quarterback Jake Maier was more than happy to allow replacement Stevens to step in and finish the practices.

“That was my role last year and it’s a war in there,” he said. “I don’t think people quite understand what that environment is like in the trenches there. Him being six-five and 250 pounds, he’s a packer and he’s hard to stop. It is a kind of will upon will. Tommy, it couldn’t happen to a better guy, he’s one of the best teammates I’ve ever had.

“Tonight was about him and how precious he is to us.”

The Stampeders (8-4) have won three of their last four games and have scored more points at Commonwealth Stadium (105) in two games this season than the Elks in six (101).

“Whenever there was adversity, we responded well,” Calgary head coach Dave Dickenson said. “We answered with a score or moved the ball for a first down or a pick six. We did a few games, and that was on all levels.

Edmonton (3-10) tied a CFL record for most consecutive home losses as a 14-year-old, having not won at Commonwealth Stadium since Oct. 12, 2019. The latest 14-game losing streak ties the record for futility previously established by Ottawa in 1988.

“I’m embarrassed for our organization, I’m embarrassed for our coaching staff, I’m embarrassed for our players,” Elks head coach Chris Jones said. “At half-time we still had an opportunity, then we didn’t give ourselves the chance to do anything in the second half.”

Edmonton got off to a bad start on their first possession as Calgary’s Trumaine Washington beat a pass from Elks quarterback Taylor Cornelius and ran 45 yards into the end zone just three minutes into the game.

The Elks, however, earned a break midway through the first quarter, as Stampeder Peyton Logan fumbled on a punt return and the ball was picked up by Edmonton’s Peter Adjey at the Calgary 22-yard line. This led to a pass from Cornelius to Tanner Green which made its way across the goal line for a 17-yard TD.

Calgary fell back down the field and regained the lead on a one-yard dive by Stevens.

There was more first-quarter bad luck for Edmonton as Calgary’s Charlie Moore blocked a punt and then recovered it at the Elks’ one-yard line, resulting in a second touchdown from close range by Stevens.

Edmonton started the second quarter with a 24-yard field goal from Sergio Castillo to make it 21-10.

The Stamps responded with a 15-yard field goal by Rene Paredes.

A 67-yard pass play to Elks receiver Dillon Mitchell would set up a 32-yard field goal from Castillo before Paredes was good from 20 to close out the first half with Calgary up 27-13.

Edmonton started the third quarter by conceding a safety, then took a pass interference call in the end zone, which led to Steven’s stealth one-yard third QB.

The Elks still had some life left in them late in the third as Cornelius found Jalin Marshall for a four-yard TD pass.

Stevens scored his fourth TD from one yard four minutes into the final quarter.

Calgary followed up with a 50-yard touchdown pass from Maier to Malik Henry.

Cornelius added an 11-yard rushing major for the Elks, who added a two-point convert with two minutes left on the clock.

The Stamps rubbed it in Edmonton’s face once again as Ka’Deem Carey ran through the defense for a 40-yard run.

The Elks are back in action Friday as they travel to Saskatchewan to take on the Riders. The Stamps return home to face the BC Lions next Saturday.

FOOT NOTES: The Stampeders entered the contest as the winners of the three previous meetings between the two teams this season, triumphing by a combined score of 105-47, which included a 26-18 win in the League Classic. Labor Day Monday in Calgary and a 49-6 win at Commonwealth Stadium in Week 5. The Stamps last swept a four-game series in 2012 and have now done so 12 times in franchise history. team against the Edmonton Five.

This report from The Canadian Press was first published on September 10, 2022

External debt sustainability and fiscal consolidation are imperative, difficult and demanding | Print edition

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While external debt sustainability is a condition for obtaining IMF assistance, the immediate reduction of the budget deficit and its gradual reduction are essential for economic stabilization and economic recovery.

IMF agreement

Although a staff-level agreement has been reached with the International Monetary Fund (IMF) to secure an Extended Financing Facility (EFF) of $2.9 billion over the next four years, this will only be provided only after external debt sustainability has been demonstrated.

Debt sustainability

This external debt sustainability condition must be met in order to obtain the approval of the PAF by the IMF’s Executive Board. Reaching an agreement with the country’s foreign creditors on the sustainability of external debt to obtain the first tranche is difficult.

China

An agreement among creditors on debt restructuring appears difficult due to China’s reluctance to restructure its outstanding debt. This is due to its principle of non-restructuring of loans. China is however ready to help us with other loans. Hopefully a way will be found to circumvent this obstacle.

Budget deficit

The immediate reduction of the budget deficit and its gradual reduction over the next few years are essential for economic stabilization and economic recovery. This must be achieved through both increased taxation and reduced spending, which many will oppose.

Opposition

Insofar as the government, pragmatic economists and enlightened opinion, are aware that the bailout of the IMF is imperative to solve the current economic crisis, several political parties and a large part of the population oppose asking for help from the IMF in because of the conditions attached to these loans.

No alternative

Although those who oppose an IMF bailout have no pragmatic alternative, they remain opposed to obtaining an IMF loan facility. This opposing position is politically popular, as the IMF is portrayed as an institution that imposes conditions that impose hardship on people.

Price increase

For example, there is opposition to the IMF condition that imported products, such as petrol, diesel, gas and wheat flour, must be sold at cost. Therefore, when international prices rise and the rupee depreciates, prices rise sharply. Opposing such a price policy is popular.

Privatization

Another clear example of such opposition is the privatization of public enterprises. Political parties, trade unions, a majority of parliamentarians and the people are firmly opposed to the privatization of a large number of loss-making public enterprises.

Political parties

As highlighted in previous columns, Sri Lanka Podujana Peramuna (SLPP), the ruling party which controls a comfortable majority in Parliament, is opposed to privatization. Paradoxically, it is the main opposition party, the Samagi Jana Balawegaya (SJB), which may be in favor of privatization.

Other parts

Most political parties oppose the privatization of public enterprises and present it as a sale of the people’s assets. The burden of these loss-making companies on the people is never mentioned.

An unrealistic prospect

Parties that have not been in power conveniently say that when they come to power, they will transform state enterprises into for-profit enterprises generating revenue for the government.

Budget deficit

The immediate reduction of the budget deficit and its progressive reduction in the coming years are vital for economic stabilization and for the economic recovery of the island. This objective must be achieved both by increasing revenue and by reducing expenditure.

Loss-making state enterprises

Eliminating or sharply reducing public enterprise losses is an important means of reducing expenditure. Rationalization and reduction of public spending are needed immediately.

Strategy

Fiscal consolidation or the reduction of the budget or the budget deficit must go through a dual strategy of increasing revenue and drastically reducing expenditure on the other hand. Both strategies would be politically unpopular and administratively difficult. However, they are imperative.

Crucial

Fiscal consolidation is the most important, difficult and ambitious task of the budget that will be presented by the government in November. This is the most difficult task and politically the most difficult.

Waiting

The expectation of a reduction in the budget deficit to 5.6% of GDP must be achieved by increasing revenues, recoveries and limiting reckless spending cuts. The central task of the next budget for 2023, which should be presented in November, is to drastically reduce the budget deficit.

In conclusion

The gradual reduction of budget deficits is imperative for the recovery, recovery, reconstruction and development of the economy. Quite apart from the fact that fiscal consolidation is a condition for IMF assistance, it is a prerequisite for economic stability and growth. Unfortunately, it is also the most difficult and politically difficult task.

The immediate reduction of the budget deficit and its gradual reduction over the next few years are vital for economic stabilization and growth. Hopefully, the budget deficit for 2022 will be reduced to 9.6% of GDP thanks to spending revisions and increased revenues resulting from the proposed tax measures.

Next Sunday

Next Sunday’s column will discuss a pragmatic strategy to reduce the budget deficit through a progressive and efficient tax system to achieve the government’s target of 5.3% of GDP in 2025.

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The day courageous Kiwi fighters in jerseys stopped the powerful American secret service

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As for the international incidents, it was strange.

On one side the American Secret Service, all menacing with their spiky guns and black sunglasses, and on the other, quivering Kiwis in shorts, singlets and spiked sneakers.

Moments before, US President Lyndon B Johnson was heading towards Wellington Airport along Evans Bay Parade. A shot rang out. Chaos ensued. His convoy came to an abrupt halt.

It was October 1966, when tensions were high – anti-Vietnam War sentiment was growing, and less than three years before John F Kennedy was assassinated in Texas.

Quickly, the Secret Service went into emergency mode, locating a man with a gun on the grassy field – it was Alan Singer, starting the Kiwi Athletic Club’s midweek club night.

Protesters against the Vietnam War outside Parliament during Lyndon B Johnson's tour in 1966.

National Film Unit/Nzonscreen.com

Protesters against the Vietnam War outside Parliament during Lyndon B Johnson’s tour in 1966.

READ MORE:
* Kiwi Jahrome Hughes continues to set the NRL on fire with Melbourne Storm
* President interested in more business ventures at the golf club
* Kiwi Athletic Club celebrates 90th anniversary but merger looms

Today club chairman Peter Jack, a Kiwi member for 58 years, remembers the incident as a scary moment that turned into a laughing matter.

“We were just doing a normal 100m, with a hooded gun start… ‘BANG!’ Then we were confronted by the police and security guards to see what was going on,” he says.

Peter Fraser, Prime Minister during World War II, has been with the Kiwi Athletic Club for over a decade.

Alexander Turnbull Library

Peter Fraser, Prime Minister during World War II, has been with the Kiwi Athletic Club for over a decade.

“They were dressed in the old dark glasses. We felt a little taken aback, a little scared. But the thing is, we chilled it. Alan Singer told them what was going on, and they could see the funny side of it.”

As well as LBJ and his henchmen, the Wellington-based club’s 95-year history is littered with famous names, as well as knockdowns, flying shot puts, a discus or two and javelins sharply.

Approaching its 95th birthday, Kiwi is a reflection of New Zealand society itself and its DIY attitude.

Kiwi has survived the Great Depression, a World War, the advent of Saturday shopping, burgeoning business engagements and professional sports to stand on the brink of 100 years.

Peter Jack has been a member of the Kiwi Athletic Club for almost 60 years.

Provided

Peter Jack has been a member of the Kiwi Athletic Club for almost 60 years.

Kiwi – nicknamed “the people’s club” – has long been maintained by the volunteer administrators of the No 8 wire. In addition to Jack being there for 58 years, the late Vic Marks has passed half a century.

Club patron Singer first joined in 1945 and has served as assistant secretary, assistant club captain, starter, club captain and manager. Geoff and Marion Jackman, life members of Athletics NZ, were stalwarts at the club.

As well as Olympians and Commonwealth Games athletes, there were politicians: World War II Prime Minister Peter Fraser was a member, joining in 1929 along with three other MPs.

Bevan Smith, 1974 Commonwealth Games 200m bronze medalist and 1950 Empire Games silver medalist June Schoch, were both members.

Auditors General Sir Alexander Roberts and John Henry Fowler competed, as did All Blacks manager Ernie Todd, best known as the man who sent prop Keith Murdoch home in 1972.

Kiwi club member June Schoch (silver), Shirley Strickland (gold), Janet Shackleton (bronze) after the 80 meter hurdles, at the 1950 Empire Games in Auckland.

provided

Kiwi club member June Schoch (silver), Shirley Strickland (gold), Janet Shackleton (bronze) after the 80 meter hurdles, at the 1950 Empire Games in Auckland.

There were All Blacks: Eric Tindall, Owen Stephens and Nelson Ball. Black Ferns: Sue Garden, Erin Rush and Serena Curtis, then Kiwi rugby league captain to Colin O’Neil.

Twelve members have received New Zealand accolades – Jack was awarded the QSM in 2017 – they have captained Olympic teams and four have been general managers of other sports.

Through all the twinkling stars, there have been darker times. The number of members varied from 75 to less than 10.

In the depression of the 1930s, club athlete Les Veitch was banned from athletics for three years for running as a professional to support his family. During World War II, membership dropped to less than 10 members. Ten athletes from the club never returned.

“We had our ups and downs, but we kept on running – as if the first committee we had had 22 members, you wouldn’t believe it. Now we’re down to five,” Jack said.

Bevan Smith won bronze at the 1974 Commonwealth Games in the 200m behind Don Quarrie of Jamaica and George Daniels of Ghana.

Things

Bevan Smith won bronze at the 1974 Commonwealth Games in the 200m behind Don Quarrie of Jamaica and George Daniels of Ghana.

Kiwi celebrates its 95th anniversary with a function in mid-October. Among those expected are high-level administrator Glenda Hughes (who won five New Zealand shot put titles), Olympians Anne Hare and Penny Hunt, and Paralympian Stu Minifie.

“These days, it’s damn hard to recruit members. People play so many other sports and their jobs don’t allow them to get the training they need to really enjoy the sport,” says Jack.

“We are managing again, we have three more members joining the club… new members. There is a future, so hopefully we can reach 100. We are on our way, we have 96 to come.

“I like to see other people join in, stay out of trouble, bloody crimes, to stay happy.”

That rings true for Hughes, who laughs that he joined Kiwi aged 14 after missing out on the Wellington Girls College netball team.

“While I’m happy to say it, I think it got me out of trouble, and I’m aware that’s one of the reasons my parents sent me home,” Hughes says.

Glenda Hughes competing in the high jump in 1976. As an athlete, she was best known as an outstanding thrower.

Don Roy / Stuff

Glenda Hughes competing in the high jump in 1976. As an athlete, she was best known as an outstanding thrower.

Hughes, who went on to compete in the 1982 Commonwealth Games, was a frontline police officer, public relations specialist, administrator and councilor for the Greater Wellington region, remembers those formative years fondly.

“We used to go to each other’s house for barbecues, which made my mum and dad very comfortable. For me, it was very family, it was like my family, you know what I mean?

“It was part of my social life. When I finished school and went to work it became part of my social life…there was a house we called Kiwi House.

“Where other people could party everywhere, a lot of Kiwi athletes just went there. And so you made a lot of contacts, but it was also a good safe place, because it was like a community.

“I did everything: sprint, hurdles, high jump, long jump. When I started, my key event – which will surprise people – was the high jump. And yes, she won a Wellington title.

“And I can’t believe that as a shot putter I ended up on a relay team. They made me run with my back straight, because that’s where the headwind was.

Kiwi Athletic Club members Masaaki Ono, Vincent Issa and Joseph Thang with coach Peter Jack.

Lucy Swinnen/Supplied

Kiwi Athletic Club members Masaaki Ono, Vincent Issa and Joseph Thang with coach Peter Jack.

Jack and Hughes talk about the influence of Bevan Smith. He showed what was possible: you could be a sprinter in New Zealand, you could belong to a small club and go to the top, you could only train in your free time and win medals.

But why devote 58 years of your life to the cause, Jack was asked.

“I’m a loyalist,” he says with typical understatement. He is also still at Wellington Football Club, which he joined the same year he went to Kiwi.

“When I joined the club I found that they helped me so much to find a coach that they took care of me,” he says.

“And I thought, it’s going to keep my body healthy and fit and good for rugby. The club is really helping me, I’m going to help them back, so I kind of kept going.

Kind of?

Sam George collects data to file class action lawsuit over SIM re-registration exercise

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The NCA’s action follows a directive from the Department of Communications and Digitization ahead of the September 30 deadline by which all unregistered SIM cards would be blocked.

The NCA exercise has inconvenienced many Ghanaians, prompting some to crowd into the offices of the three major telecommunications companies to show their displeasure.

Sam George, who happens to be a member of the Parliament’s Communications Committee, took to his Twitter page to urge concerned Ghanaians to fill out a form that will pave the way for said legal action.

Meanwhile, Pressure Group, the People’s Project sued the National Communications Authority (NCA) and the Attorney General (AG) over the same matter.

The group is asking the Supreme Court to declare the registration deadline and associated punitive measures for non-registration null and void, arguing that they are unconstitutional.

Before the legal proceedings took place, the MP for Bunkpurugu constituency, Abed-Nego Azumah Bandim, had asked the ANC to withdraw the punitive actions it had deployed.

In a statement, quoted by citinenewsroom.com, the lawmaker said: “The National Communications Authority (NCA) must immediately withdraw its recently announced draconian punitive measures on SIM card re-registrations and cease being an approval regulator in the communications sector.

“It is out of place for the NCA to feed on this statement from the Chamber of Telecommunications and start imposing punitive measures on consumers, disregarding the real challenge which is the difficulty in acquiring Ghana cards. It’s capricious. »

Meanwhile, the NCA appears unfazed by legal challenges as it argues there is no turning back, despite the fact that the self-service app that was launched to speed up the process has also been fraught with peril.

Changes that will occur in the United Kingdom with the arrival of Carlos III

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The death of Queen Elizabeth II will open a new phase in the UK, beginning this Saturday with the declaration of her son, Charles III of England, as the new monarch. Many aspects of everyday British life will change from now on, such as stamps, banknotes and coins bearing the face of the king, or passports. Here are some of the details that will change from day to day in the UK:

National anthem:

Lyrics of the national anthem, the current version of which dates back to the 18th century, Will change from “God save the queen” to “God save the king”Usually only the first stanza is sung, which now goes like this:

“God protect our glorious king!”
May our great king be immortal!
May God save the king!
make it win
happy and proud,
may he have a long reign over us,
May God save the king.”

coins and stamps

Coins and notes minted from now on will feature the face of King Carlos III, although it will be a gradual process and old ones will continue to circulate until they are permanently replaced. It will not be an easy task, because according to the calculations of the British media, More than 4,500 million units of banknotes and coins bearing the face of Queen Elizabeth II will have to be redesignedSo it will take about two years.

Also, it’s not just in the UK that the Queen’s face is used on coins and banknotes. also used In countries like Canada, Australia and New ZealandWhich will end up deleting your image as well.

A detail to bear in mind is that after Oliver Cromwell’s republic after the restoration of the monarchy in 1660, it is customary for a monarch to face in the opposite direction to his predecessor on coins and notes. Queen Elizabeth is looking to the right, so Carlos III’s face should be depicted looking to the left,

Like coins and bills, The stamps will also be updated to include the portrait of the new king.Britain’s former public postal company, Royal Mail, has already confirmed that existing stamps featuring Queen Elizabeth II will remain valid after her death, although the monarch will no longer appear on new issues.

royal monogram and coat of arms

Another thing that will change with the arrival of the new king will be the royal monogram, which currently displays the queen’s seal “EIIR” below St. Edward’s Crown. It is one of the most repeated images in the UK as it appears on many objects, from letterboxes to police and army uniforms.






Image of a postbox in London, in which we can see the monogram of Elizabeth II. Getty

However, Royal Mail mailboxes bearing the Queen Elizabeth II code, ‘EIIR’, are unlikely to be recalled. Therefore, the new Carlos III monogram will only appear in monograms produced from now on. Some letterboxes in the UK still contain King George VI’s initial GR today, 70 years after his reign.

Those who will need the new insignia on their uniforms will be British police and soldiers, who currently wear the Queen’s monogram.

As for the coat of arms, which depicts a lion and a giant unicorn, that will also change if the new monarch decides to represent Wales.

Passport

The British passport bears the inscription: “The Secretary of State to Her Britannic Majesty has requested and demanded in Her Majesty’s name all persons who may cause them concern that they may pass freely to the carrier without hindrance or hindrance.” Let him through and give him the help and protection he needs.

Yes indeed, Newly issued passports will be revised to reflect masculine possessive pronouns in reference to the new king.However, it is entirely possible that current passports will not be updated until they expire and this change will only affect new ones issued immediately.

Pray

The Queen was the head of the Anglican Church, Recognized as the “Defender of the Faith and Supreme Governor” of the Church of EnglandAnd the prayer for him appears in the Book of Common Prayer, which dates back to 1662. These prayers should be changed to suit the new emperor.

What changes now that Charles is king?

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National anthem

When Charles first arrived at the gates of Buckingham Palace on Royal Friday, some in the gathered crowd sang the national anthem. But instead of “God Save the Queen”, which the vast majority of Britons will have grown up with, they sang “God save the King”.

The anthem, originally written in the 18th century, was first adopted in the 19th century. Although there are several verses, only the first is usually sung on official occasions.

Mail boxes

The Queen’s official Elizabeth Regina II crest adorns, among other places, British letterboxes. Matt Dunham/AP

Beloved by tourists, the red letterboxes, or postboxes as they are known in the UK, which were created while Elizabeth was on the throne are adorned with her cipher, or monogram, E II R, identifying that she was the monarch when they were placed. . Although increasingly rare, history buffs can still find letterboxes with the cipher of previous monarchs, including Elizabeth’s father, King George VI.

Now that Charles is on the throne, any new mailboxes will carry his cipher. Elizabeth’s cipher will not be replaced and will remain in place, according to the Postal Museum in London.

Silver

The Queen’s image appears on all British coins and banknotes. Elizabeth was the first monarch to appear on paper money and her portrait originally appeared on the one pound note in 1960. At the time the design was criticized for its harshness and lack of realism, according to the Bank of England. It has since changed, and other portraits have been more warmly received by the public.

There are currently 82 billion pounds, or $95 billion, of paper money in circulation, so changes to bill design are likely to be slow. It will also take time for new banknotes, probably with the image of the new monarch, to be distributed and the older money with the portrait of the Queen will continue to be valid.

On coins, the tradition of using the portrait of the monarch goes back centuries. Currently, the queen is depicted facing right. There is a tradition dating back to the 1600s, however, that the new monarch faces the opposite direction of the predecessor, according to the Royal Family’s website, so Charles will likely be depicted facing left.

Stamps

The Postal Museum opens with a mile-long attraction by train
Arnold Machin’s The Dressed Head provided the portrait of Queen Elizabeth II, which was used on UK stamps from 1967.Jack Taylor/Getty Images file

Although it seems normal to see the Queen on stamps, she was actually the first monarch to appear on stamps in 1967. Elizabeth’s silhouette is facing left on each stamp, rather than right as she does it on the coins. It is believed to be the most reproduced work of art in history, according to the Royal Mail, with hundreds of billions of stamps printed.

After her death, the Royal Mail assured the public that the Queen’s stamps would remain valid. New stamps bearing the likeness of King Charles III will be designed in consultation with Buckingham Palace, he added.

Government services

As Britain is a constitutional monarchy, the Queen or King is the figure that gives the government its legitimacy. One of the other major changes that will be immediately noticeable will be government offices, such as the judiciary, the treasury and the tax collection service, which will be renamed from “Her Majesty” to “Her Majesty”. For example, instead of being called Her Majesty’s Courts, the pronoun will change and the courts will be known as His Majesty’s Courts.

Goods and services

LONDON, UK - MAY 6, 2016: A close up of the Royal Warrant of Appointment on a jar of Heinz ketchup isolated on a plain
The Royal Warrant of Appointment on a jar of Heinz Tomato Ketchup.Chris Dorney / Alamy

It is not only on official government goods, services and buildings that the monarch appears. Commercial goods and services that supply the royal household may require a royal warrant or mark of recognition. This means that some brands, including Kellogg’s, have a small mark on the box indicating that they are used by the Queen.

With the death of the Queen, warrant holders can continue to display her crest and corresponding wording for two years before a review of the warrant takes place. (The Royal Warrant Holders Association was among myriad organizations to issue a statement after the Queen’s death.)

SunLive – Broken Bones, No Barrier for Graduates

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Graduating from the University of Waikato was a chance for Caleb Crosbie (Ngāpuhi) to reflect on the rollercoaster of the year that has been.

A serious sports injury two weeks into his bachelor’s degree left Caleb with a broken leg and unable to walk, and Covid-19 lockdowns and closed borders separated him and his family.

It’s been a tough final year, but on September 2, 2022, the 22-year-old celebrated his success by graduating with a Bachelor of Science degree from the university’s Tauranga campus in the CBD. (BSc).

He is part of the first cohort of bachelors to graduate since the campus opened in 2019.

Growing up, Caleb’s dream was like any other Kiwi boy – to play rugby for the All Blacks. His fascination with nature and the natural world only developed later in life.

“Oddly enough, I never did very well in science in school and I particularly dreaded chemistry with a burning passion,” says Caleb.

“But once I realized I could use science as both a pathway and a tool to better understand nature, it was like a penny dropped.” There was also a focus on sustainability and environmental rehabilitation in high school, so it was an easy decision to choose his environmental science major.

Caleb was awarded the Summer Research Fellowship, a $6,000 grant that provides the opportunity to experience the challenges and rewards of research.

He presented the results of his fellowship – investigating whether global change is impacting marine sediment communities, such as mudflats – at the New Zealand Marine Sciences Society conference held at the Tauranga campus.

“I spoke to and rubbed shoulders with some of the world’s foremost marine environmental experts and heard their views on New Zealand’s future challenges.”

Caleb is now a Master of Science (Research) student in Environmental Science studying the recovery of soft sediment communities following heatwave-related mortality events.

He is investigating whether there are specific juvenile-adult interactions between major cockle species and whether they have an effect on community recovery. He also does demos for at least two undergraduate papers each term to keep himself busy, helping to lead labs and field trips.

“I still don’t know what I want my future to hold in terms of a career. However, I believe that the skills and people I have met throughout my studies have been extremely beneficial for my future.

Pos Malaysia launches NFT stamps for collectors

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KUALA LUMPUR: Pos Malaysia Berhad (Pos Malaysia) has launched its first Non-Fungible Token (NFT) stamps for collectors, on the occasion of the National Day and Malaysia Day celebrations.

The limited edition NFT stamp is redeemable for free with every purchase of the #Empatbelas Setem Ku Special Edition Stamp Folder Set, priced at RM59 each.

Produced through a collaboration between Pos Malaysia and local retail brand Apom, each stamp folder contains a physical stamp sheet of 14 stamps and each is proudly designed by an artist representing each state and federal territory of Malaysia, highlighting showcasing uniqueness, culture and pride. some domains.

Pos Malaysia Group CEO Charles Brewer launched the #Empatbelas Setem Ku at Apom Suria KLCC here.

Apom co-founder Chantelle Teoh said #Empatbelas was an annual Merdeka-Malaysia Day collaborative project to celebrate Malaysia’s 14 states.

“This year, with the support of Pos Malaysia, the 14 selected artists had the chance to reinvent their pride of state on NFT stamps that transcend the world beyond the philatelic community, as well as the humble physical stamp that has connected Malaysians over the years,” she said.

A stamp collector who only wanted to be known as Shum said he came to the store to buy the latest limited-edition stamp for his personal collection.

“Today I came here to buy 15 sets of the #Empatbelas stamp collection, but I only managed to get 10 because they were out of stock.

“I’ve been collecting stamps for about 40 years and I like it because of the beautiful design and the justifiable price for a stamp collector like me,” he told Bernama.

In a statement, Pos Malaysia said it was the second postal service provider in Southeast Asia to produce NFT stamps after Thailand and joined the global postal fraternity of other countries with similar initiatives such as the Austria, Switzerland, the United Arab Emirates and the Netherlands. .

The stamp sets will be available online (www.pos.com.my/shop) and at Apom outlets as well as the Stamp & Philatelic counter at the Kuala Lumpur General Post Office, while purchase in d other selected post offices will be available from September 12th.

Deadline approaches for some Virginians to apply for student loan forgiveness

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According to the Virginia State Board of Higher Education, about 86,000 Virginians who owe about $3.3 billion in federal student loans are eligible to have those loans forgiven for their public service. Only one fraction of these borrowers have so far received debt relief under the Civil Service Loan Cancellation Program. But the federal government is is currently waiving certain prerequisites until October 31.

VPM News education reporter Megan Pauly spoke with Scott Kempstudent loan advocate for SCHEV, about the program.

The following has been edited for length and clarity.

Pauly: What are the conditions required for civil service loan forgiveness, and which of these conditions is the federal government waiving under this new program?

Kemp: The Public Service Loan Forgiveness Program has four main components. One you must have an eligible loan. And it’s a direct loan, a direct plus or direct consolidation loan. Second, you must work for an eligible employer. And that’s either government at the local, state, or federal level, or working for a nonprofit, a 501(c)(3). The third thing is that you need to be on the right kind of repayment plan. And it’s an income-driven repayment plan. And the fourth thing is that these three events must occur consecutively in 120 months.

What this waiver does is waiving all of the above requirements except to work for an eligible employer.

Why is the federal government doing this now?

The Civil Service Loan Scheme Waiver Scheme was created about 15 years ago with the purpose of encouraging people to enter the civil service. This gave those working in the civil service the option of paying less over time and then any loans remaining after 10 years or 120 months of qualifying employment would be forfeited.

As you have heard over the past two years, very few people have been approved for the program. People had the bad loans, the bad repayment plans, and they tried all these different solutions. In October last year they decided that for a year they were going to give people the option to review their accounts and waive all requirements except eligible employment and school deferment . And so what he’s done is go from borrowers who found out in grade 10 that they had the bad loans all the time, and they have to start over, to borrowers who automatically, instantly, get their canceled loans.

What is in-school deferment and how does this program view it differently than other deferments or abstentions?

Forbearance periods in the past didn’t count because you weren’t making a payment that month, and they basically forfeit those months and give borrowers credit for it. There are borrowers who had taken three months off, six months off here and there. But there was a lot of forbearance direction that was made by loan managers. When borrowers were having trouble making their payments and called the loan servicer and asked for help, the quick and easy conversation was to put someone on forbearance for three months or more. A more appropriate conversation should have been, let’s look at what happened to your income, look at what your income-based payment would be, and see if it’s manageable to keep the borrower on the repayment path.

And so, it’s just sort of a way to right some of the wrongs of the past without analyzing each case and looking at the call records to tell whether you’ve been pressured into forbearance or not. They just decided that this was a systemic enough problem. We’re going to be giving everyone a free pass for this and making those months count and hopefully moving forward without issues like this.

They don’t waive the deferment at school because it was a choice. When people return to school full-time, they have the option of deferring their school loans or continuing to repay their loan. So they thought people made a conscious choice at that time. Those months that the loan was on deferment at school won’t count, but those other months of forbearance they do.

Is it all abstention that they count?

Any type of forbearance under certain parameters. Any forbearance that happened before 2012, before they really knew loan servicers were doing it, they say, doesn’t matter. A month here, six months here, they automatically give credit for it. After 2012, if you’ve had a year or more of consecutive abstention, or about 36 months of cumulative abstention, they count that.

We’ve also heard from federal student aid officials that it’s just too hard for them to review and count.

If someone isn’t sure how many months their loan is forbearance, would you still encourage them to apply?

Our advice is that if you have worked for an eligible employer since October 2007 and have student loans, go ahead and complete the application. It doesn’t take long to complete. It’s a two-page request. The most difficult part is the second part, where you have to ask your employer to certify your employment. In some cases, for school division employees who have worked for three or four different school divisions in their 15 years, it takes a bit of time. But honestly, it will be worth it for people who were told in 2013 or 2014, “You have the wrong kind of loan, you don’t qualify.”

And we encourage them to not only look at the past 10 years, but to look back to 2007. Because we’ve had borrowers who, when they did the review, not only had all 120 qualifying payments, but they have discovered that they made payments after the 120th. And they also get refunds.

It can even be a new borrower, someone who got their loan three or four years ago, who already had the right kind of loan, the right kind of repayment plan, but maybe he had a few months of abstention here and there. Go ahead and apply now, let the government know you are applying for this program, so they can look and see if there are any issues in your story that can be fixed in the future.

Once repayment restarts in January, all borrowers will need to follow an income-driven repayment plan to continue to qualify. So even if by December they have made 100 payments, they will still have to make another 20 payments from January. But if they don’t follow an income-driven repayment plan, those months won’t count. So that’s what we’re hoping for, not only correcting some of the mistakes of the past, but also putting borrowers on the right track and doing the kind of outreach and information sharing that should have happened when the program started in october. 2007.

Anything else anyone considering applying for this waiver should know?

If borrowers have a particular type of loan, the Federal Family Education Loan Program, they will need to consolidate their loans before they can be discharged. The law does not allow them to pay FFEL loans under this program. But it’s a fairly simple process. It is really incumbent on them to consolidate their loans into a direct loan, so that they become eligible for this limited waiver.

I will say that this consolidation must take place before the October 31 deadline. This is one of the reasons why we hope they push the deadline beyond October 31st. Because right now there is a backlog of applications. And I suspect there are a lot of applications in that pile that weren’t reviewed and didn’t have the right type of loan. And it may even be after October 31, before anyone even sets eyes on it and realizes, “Oh, this person needs to consolidate.

Wolf signs executive order expanding access to voter registration information

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With the deadline to register to vote in the Nov. 8 general election, Gov. Tom Wolf on Wednesday signed a decree expand access to voter registration information.

The order designates seven state agencies and programs as “voter registration distribution agencies,” which will be required to provide voter registration materials and information to state residents.

They are:

  • The Department of State (DOS) in the public offices of Elections, Bureau of Business and Professional Affairs, and Bureau of Societies and Charities
  • The Ministry of Agriculture at events at the Farm Show Complex
  • The Department of Conservation and Natural Resources in 121 state park offices
  • The Department of Corrections in relation to the services of the Office of Community Corrections
  • The Ministry of Education in Libraries
  • Labor and Industry Programs at CareerLink Offices
  • The Department of Military and Veterans Affairs at state veterans homes

“We are proud of the free and fair elections held here in the Commonwealth, and this would not be possible without first providing convenient and accessible opportunities for every eligible citizen to register to vote,” Wolf said in a statement issued Wednesday by his office. “That’s why I’m designating seven additional state agencies to provide voter registration materials and information to their clients. This work will support the dedicated county officials and thousands of local election workers who do their part in every election to ensure that anyone who wishes to exercise their precious right to vote can do so.

The new order “builds on the requirements of the federal National Voter Registration Act of 1993, which stipulates that certain state agencies are required to provide the voter registration facility to clients with whom they interact”. the administration announced Wednesday.

Under the new ordinance, relevant public bodies are required to provide access to:

  • A formal voter registration mail request that is not specific to any county election office
  • An accompanying unstamped envelope and instructions explaining where the voter registration application should be sent
  • They are also required “to post nonpartisan signs or posters in highly visible areas to indicate that official voter registration materials are available on site,” the administration said.
  • The executive order further declares September as Statewide Voter Registration Month.

State law currently provides four ways to register to vote — online, by U.S. mail, in person, or at a Pennsylvania Department of Transportation photo or driver’s license center, the Capital-Star previously reported.

To register online, visit vote.pa.gov, where you will be asked to complete an application form. Before you begin, make sure you have your driver’s license or PennDOT ID card ready. You can upload a signature or print and sign the form if you don’t have one.

What you need to know to be registered and ready to vote in the November 8 elections

The Pennsylvania Voter Registration Application can be downloaded online to register by mail. Print the form, complete it, sign it and return it to your county voter registration office.

Voter registration can also be done in person at your county’s voter registration office or at certain government agencies, such as the PennDOT Photo License and Driver’s License Center.

The Voter Application can also be completed at many state government offices, including:

  • State offices that provide assistance and public services to people with disabilities
  • Armed Forces Recruiting Centers
  • Offices of the County Clerk of Orphans’ Court, including each marriage license office
  • Territorial agencies on aging
  • Independent Living Centers
  • County Mental Health Offices
  • Offices of Services for Disabled Students in the National Higher Education System
  • Special Education Offices Complementary Paratransit Offices ADA
  • Any agency using the Compass app

Once you submit your application, your local voter registration office will review and process the application.

“With 1.7 million Pennsylvanians eligible to vote but not yet registered, it will be no small task to reach these people before the November election,” the acting secretary said. Leigh M. Chapman in a statement. “I thank this administration for recognizing this by working with our state and federal partners to make this effort possible.”

York Potter’s Field Restoration: Do-It-Yourself Town Planning

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Jamie Noerpel, who lived in a hilltop apartment in North York, used to walk regularly to nearby Prospect Hill Cemetery a few years ago.

These were far from grim walks to the cemetery in the evening, after another rough day as a high school history teacher.

On the contrary, these walks brought rejuvenation.

She explained in a story, posted on her Wandering in York County blog, that it helped her appreciate just being alive.

She had just completed her thesis in American Studies at Penn State Harrisburg. These studies gave him a particular insight into the iconography of this cemetery-garden, created before the Civil War, partly as a place of refuge and pleasure. That’s exactly what Prospect Hill offered Noerpel more than 15 decades later.

One evening, she took a different route, which took her to a green field near Prospect Hill Cemetery, a space she observed every day just outside her apartment window.

There she was surprised to find a solitary headstone, commemorating a youngster, Clashay Johnson, inscribed “all who rest in these hallowed grounds”.

She had unknowingly discovered the City Cemetery, the field of potters or poor people in York Region, where for generations those without means, family or who could not be identified had been buried.

This discovery engaged the heart and mind of this tireless researcher.

She found descriptions in the few cemetery records for those buried there, words like “invalid”, “poor”, “single mother” or “alcoholism”.

Lives reduced to demeaning words.

“My heart sank,” she wrote.

The third York High - Hannah Penn Junior High when this scene was captured - covered York Potter's Field.  The bodies were exhumed in the late 1800s to make way for the school.  Today, a parking lot for the Catholic Church and St. Patrick's School covers this land.

Plan to be unveiled

A few months later, she presented City Cemetery at an annual conference of the Association for Gravestone Studies.

York Mayor Michael Helfrich, in the audience, spoke to her after the presentation and commented: ‘There should be a monument there.’

Noerpel, a 31-year-old York College graduate, took that as a call to action.

“And with those six words,” she wrote, “I was unleashed.”

Noerpel will soon be organizing Project Penny Heaven, an initiative to raise $20,000 for a monument, ongoing maintenance of the cemetery, and other improvements to rightly commemorate this place. The city cemetery has been known as Penny Heaven for years.

She has formed an all-volunteer committee, which includes members of the Friends of Lebanon cemetery. This group is restoring the historic Black Lebanon Cemetery, another burial site just north on this hill in North York.

She hired Preservation Pennsylvania to serve as the depository for the donations.

A ground-level view of the city cemetery gives a sense of its rugged terrain, likely caused by the sinking of the burial grounds.  It's Prospect Hill Cemetery in the background.

And she will outline the details of the initiative at a public event at 5 p.m. on September 15 at the cemetery on Schley Alley.

Informal urbanism at stake

Noerpel’s work is an example of a type of community problem-solving called “informal town planning” or “do-it-yourself town planning”.

The practice of addressing issues outside of a regular government process is not new, but it appears to be increasing in York Region and elsewhere as cities are unable to address urban issues due to shrinking Resource.

Do-it-yourself town planning can be as simple as placing a sign in a window to protest an injustice.

Or it may mean placing flowers and then interpretive plaques at a little-known Farquhar Park memorial to Lillie Belle Allen and Henry C. Schaad, killed in the 1969 race riots, as Bob Mann did.

It could be hard physical work, like Annalisa Gojmerac is doing planting community gardens on vacant land around York.

Another example is the work of the Friends of Lebanon Cemetery, which began as a simple clean-up of a neglected cemetery and has now evolved into a community initiative.

This newspaper article details the cost of exhuming and reinterring the remains of individuals from the Potter's Field across from Penn Park at West College Avenue and South George Street.

These personal urban renewal efforts often have one thing in common: An individual who believes deeply in the task at hand and whose passion draws others to initiative.

This applies to Noerpel’s leadership in the Penny Heaven project.

Those who have worked with Noerpel on projects, as I have on several volunteer initiatives, know that this Yoe native and Dallastown graduate accomplishes what she sets out to do.

His projects are not only informative but designed to be formative. Further away. she does not approach her work as performative, intended more to impress than to change things. Her projects are formative, undertaken with authenticity and intentionality and designed to enhance understanding and meaning.

Questions and answers about the city cemetery

With all of that on his planning list, Noerpel took a moment to answer these questions about the Penny Heaven project:

Q. What attracted you to this project?

A. Regardless of status or wealth, we will all find ourselves underground one day. Even though death is the great equalizer, we see a class divide in Penny Heaven. In fact, that’s the problem, you can’t see anything except a grassy field and a single stone in the southeast corner.

After moving into the apartments in Schley Alley, I discovered that the field outside my bedroom window was actually a cemetery. Unlike the Prospect Hill Cemetery next door, those buried at the City Cemetery could not afford a proper burial (or were not identified).

Once fundraising is complete, this monument will mark the site of York Cemetery on Schley Alley in North York.  Preservation Pennsylvania hosts the digital site offering the opportunity to donate the proposed $20,000 to fund this monument and other improvements to this cemetery.  See Project Penny Heaven at preservepa.org.

People like Margaret Williams, a 5 month old baby girl who died in 1906. Or Martha Beckman, a 56 year old woman who spent her last days during the Great Depression in the county house. Or Clashay Johnson, a 15-month-old boy who died in 1987.

In 1897, newspapers reported that hundreds of people had been exhumed from the original potter’s field. A new school was to open and the 619 bodies would have posed a dangerous health threat with fears associated with diphtheria, smallpox and yellow fever.

More often than not, souls destined for burial in North York’s Penny Heaven were buried haphazardly, sometimes not even deep enough to meet code. Ground-penetrating radar shows us that the more than 600 people displaced in 1897 were simply crammed into a “double row of graves”. We can’t turn back time and give them a proper burial, but we can give them a proper memorial today.

Q. Your fundraising goal is $20,000. How will these funds be used?

A. Money raised will go to a memorial, giving lasting public recognition to those buried at Penny Heaven. Silbaugh Memorials of Shrewsbury is giving us a big discount on granite stone. We also found local sign companies to make a bronze plaque describing the history of the cemetery, as well as a laminated sign showing the index of the graves. We have a maintenance fund of $5,000 to mow and wash the monument and a few hundred dollars for landscaping.

Based on records kept from the 1900s and Find a Grave, we can identify the racial makeup of those whose final resting place is at Penny Heaven: 124 white, 91 black, 49 unidentified, two are described as “Spanish ” and a half-breed. . The identity of the hundreds displaced in 1897 is unknown.

It was a time of segregation, so a cemetery with blacks buried next to whites would have been unheard of. Why is this important? Penny Heaven is a symbol of the possibility of unity, if only in death. We hope that the monument will change the atmosphere of the city cemetery from a marginalized place of the destitute to a permanent place of memory.

Volunteers from Kutztown University and other colleges used ground-penetrating radar at the town cemetery.  One of the finds shows that when the individuals were exhumed to make way for York High in the late 1800s, they were buried in a double row of graves, a mass burial.

Q. How did you organize this initiative?

A. The initiative is driven by civic-minded York counties. People who see an injustice – those with less means have been cast to the margins with little or no documentation – and want to right that wrong.

Friends of York City Cemetery includes residents such as Samantha Dorm and Tina Charles of Friends of Lebanon Cemetery, Dr. Joy Giguere of Penn State York and the Pennsylvania Chapter of the Association of Gravestone Studies, and Jack Sommer, who is president of Historic Prospect Hill Cemetery Heritage Foundation.

Like the Farquhar Park Memorial, or William C. Goodridge’s new East Philadelphia Street sculpture, or the Lebanon Cemetery cleanups, we hope this community campaign will build public knowledge about York County’s historic class and racial divisions in funeral practices – and in life.

Q. Why is this project important to York County and its residents?

A. Cemeteries are often considered sacred spaces — a protected place of pilgrimage for grieving family and friends. The rural cemetery movement of the 19th century transformed the gloomy and unsanitary outlook of cemeteries into beautiful green spaces that people really wanted to visit.

An example of a beautiful cemetery is Prospect Hill, where I often admire the epitaphs and elaborate headstone iconography. The city cemetery, on the other hand, has only one stone that easily goes unnoticed.

At the town cemetery, I watched the owners scoop up their dog’s feces as they walked over human remains, but just a few feet away. Without a prominent monument marking the cemetery, how could they have known that they had passed through hundreds of unmarked graves?

This cemetery was meant to serve the whole community, especially the less privileged, and it is fitting that we honor their lives with a fitting memorial.

Jim McClure is a retired editor of the York Daily Record and is the author or co-author of nine books on York County history. Contact him at jimcclure21@outlook.com.

SSS will open a request for loan consolidation, payment of penalties

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Louise Maureen Simeon – The Filipina Star

September 6, 2022 | 00:00

MANILA, Philippines — Members of the state-run Social Security System (SSS) pension fund may soon apply for loan consolidation and indulgence programs to give them a chance to settle their arrears.

In its latest circular, the SSS released the guidelines for the consolidated loan program with penalty tolerance, which will start on September 30.

This comes after SSS approved the consolidation of delinquent short-term member loans (STML) with penalty tolerance last June.

All delinquent MLTS include Payday Loan, Disaster Loan, Emergency Loan and Restructured Loans.

Delinquent MLTS are loans that have an outstanding obligation consisting of principal, interest and penalties equivalent to more than three monthly amortizations or whose loans have an outstanding balance past their due date.

With SSS ready to open the application, all principal and outstanding interest on the member-borrower’s delinquent loans will be combined into one consolidated loan on demand.

Unpaid penalties, on the other hand, will be consolidated separately and subject to a conditional waiver.

Eligible members are those who have delinquent loan accounts, have not received any final benefits, or have been disqualified by the SSS and have active online accounts.

SSS said members would be allowed to pay in full or in instalments. For installment plans, a deposit of at least 10% of the consolidated loan must be paid within 30 days of application approval.

The remaining balance shall be payable in equal monthly amortization from six months to five years depending on the remaining balance of the loan.

For the conditional tolerance, 100% of the consolidated penalty will be tolerated upon full payment of the consolidated loan with the approved payment period.

If a member seeks retirement or claims a disability or death benefit, the SSS said any outstanding consolidated loan balance would be deducted from benefit proceeds.

Nike Kyrie Flytrap 6 GS Orange Yellow DQ8094-800

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As conversations surrounding Kyrie Irving’s eighth signature sneaker with The Swoosh dominate the airwaves, Nike continues to dig their Kyrie Flytrap 6 roster, recently surfacing in a collection of cantaloupe and lemon hues.

Much of the mesh real estate is shaded by a peachy orange accented by blacks filling the sock liner, midsole and forefoot tread while the two colors adorn the two initial eyelets . Matching laces, pull tabs and mudguards further enhance the model’s bright aesthetic as a bright yellow tone illuminates the collaborative black Swoosh while the medial side opts for a stitched offering. A light beige midsole in tandem with a speckled yellow outsole underfoot concludes the design cues of the Kyrie strapless model.

For a closer look at the elementary school exclusive Nike Kyrie Flytrap 6, enjoy official images of the pair below as we anticipate further release details as they become available. the brand.

For more basketball-related footwear from The Swoosh, Stussy’s Nike Air Penny 2 collab comes dressed in “Triple-Black.”

nike-kyrie-flytrap-6-gs-orange-yellow-dq8094-800

Or buy

Be sure to follow @kicksfinder for live tweets during the release date.

Nike Kyrie Flytrap 6
Release date: 2022
Color: N/A

Primary school: N/A
Style code: DQ8094-800

Can you collect social security and be eligible for food stamps?

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PIKSEL / Getty Images / iStockphoto

According to the Social Security Administration (SSA), more than 70 million Americans receive Social Security, Supplemental Security Income (SSI), or both. The vast majority are people aged 65 and over who receive only Social Security retirement benefits.

See: 8 purchases retirees almost always regret
Discover: 7 things you should never do when planning your retirement

The Supplemental Nutrition Assistance Program (SNAP) is the country’s largest anti-hunger initiative. Formerly known as Food Stamps, the program supports nearly 42 million beneficiaries who rely on SNAP to purchase groceries and other foods.

Both programs help tens of millions of people avoid poverty and food insecurity, but are the two mutually exclusive? Can Social Security recipients also receive food stamp benefits?

Despite much misinformation and an unfortunate number of eligible people who don’t, the answer is yes – food stamps can go to seniors and others on Social Security.

SNAP and Social Security

Not only can older Americans receive SNAP benefits while collecting Social Security, but there are special rules for those 60 and older that make it easier to qualify for food stamps. For example, a standard household can have up to $2,500 in bookkeeping resources — things like cash or cash in the bank — and still qualify for SNAP.

If a household includes a person with a disability or an elderly person, however, the countable resource limit increases to $3,750.

SNAP treats Social Security like any other income

The USDA uses income limits based on household size to determine SNAP eligibility. Most applicants must meet the limits of both gross income – which is a household’s total income before deductions – and net income, which is gross income minus deductions.

  • The gross monthly income limit is 130% poverty: Between $1,396 for a one-person household and $4,839 for an eight-person household, plus $492 for each additional member.

  • The net monthly income limit is 100% poverty: Between $1,074 for a one-person household and $3,722 for an eight-person household, plus $379 for each additional member.

To determine SNAP eligibility, the USDA counts income from all sources, including work income before payroll taxes and unearned income like child support, cash assistance, and Social Security. .

Therefore, you can collect Social Security and SNAP benefits simultaneously, as long as the payment for the former does not exceed your income limits for the latter.

Take our survey: Are you worried that Social Security benefits will be reduced in your lifetime?

What about SSIs?

Supplementary Security Income (SSI) is a branch of social security aimed at the most vulnerable people, both disabled and part of a low-income household. To qualify, you must earn $1,350 per month or less – $2,260 for the blind.

Again, receiving SSI does not disqualify you, but your benefits are considered income when applying for SNAP. You are free to collect food stamps as long as your SSI distributions do not cause you to exceed USDA’s SNAP income limits.

The SSA site explicitly states, “If you receive SSI, you may be eligible to receive SNAP assistance to purchase food,” and that SSA provides SNAP requests at local offices and may even assist eligible households. to fill them. Even so, the SSA states, “Many people potentially eligible for SSI benefits do not know how receiving SSI affects their benefits or payments from other government and state programs.”

SNAP is one such program.

Millions of eligible seniors are not collecting SNAP benefits

According to a 2021 report from the National Council on Aging (NCOA), three out of five seniors eligible for SNAP — about five million people — are not receiving the benefits they are entitled to.

It’s unclear if some percentage of those five million people never apply for SNAP because they assume they’re not eligible while collecting Social Security, but the statistics are stark. Less than half of people age 60 and older do not receive SNAP benefits even though they qualify or receive less than they could receive.

The dual eligibility myth isn’t the only piece of misinformation keeping people from applying. According to the NCOA, many people think older Americans can only get $16 a month in food stamps, but that’s only the minimum for an eligible senior: The average benefit is over $100.

Finally, only a small percentage of seniors use the medical expense deduction, which allows seniors who spend more than $35 per month on medical expenses to deduct those expenses from their gross income when applying for SNAP.

So, yes, you can collect Social Security and SNAP at the same time — and if you’re eligible, you absolutely should.

More from GOBankingRates

This article originally appeared on GOBankingRates.com: Can you collect Social Security and qualify for food stamps?

Advice from the Better Business Bureau: Beware of debt consolidation offers

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With the impact of COVID-19 on daily life greatly reduced, student borrowers whose repayments have been suspended due to the pandemic may be considering their options for resuming payments on this life-changing debt.

This may lead some borrowers to look into debt consolidation, but it’s important to research these options carefully and not give in to the temptation to look for a quick fix that could turn out to be a scam.

After a recent action by the Biden administration, federal student loan repayments remain suspended without interest until Dec. 31. receive up to $20,000 in pardons. Consumers should beware of scammers who take advantage of the news by offering bogus ways to apply for loan forgiveness.

Better Business Bureau Scam Tracker received over 500 reports of debt relief and credit repair scams in North America in 2021. These scams cost consumers a reported total of over $283,000, the median consumer losing $600. Most often, these reported scams involved payment by bank account debit.

Upfront fees, including fees to enter a repayment plan, are a common thread among debt relief scams. These upfront charges are illegal. Loan repayment assistance – including loan deferrals, forbearance, repayment, and forgiveness or release programs – is available directly from the Department of Education and Loan Services, and application for these programs is always free.

Some scam companies ask consumers to sign a power of attorney for financial decisions, use it to suspend the consumer’s loans – a way to temporarily stop or reduce payments, during which the loans continue to earn interest – and require the consumer to make payments directly to them rather than to the loan officer. In reality, the company keeps the payments for itself and the forbearance eventually expires without any repayment progress.

Borrowers seeking student loan relief should consider the following tips:

• Do your research on the company and the options available to you. BBB business profiles on debt consolidation and other businesses are available at BBB.org or by calling 888-996-3887. These include customer complaints and how they were handled, customer reviews, and an A+ to F grade.

• Do not pay upfront fees to debt repayment companies. If a rescue company asks for money before helping you, report it to BBB.

• Think twice before signing a power of attorney or giving a company your bank account information or your federal student aid website login information. These actions allow a company to make potentially devastating financial decisions for you.

• Don’t agree to a long-term abstention or adjournment plan without doing your homework. These should only be seen as temporary solutions.

• Don’t be fooled by promises of quick relief. The loan relief and forgiveness options available through the Department of Education still require years of payments, and these loans cannot be canceled by bankruptcy.

Hungary continues its series of dog coins with a fourth issue

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The Hungarian Mint will launch the fourth issue of the “Hungarian Breeds of Sheep and Hunting Dogs” coin series on October 4, with the final issue dedicated to the Hungarian Mudi.

The 2,000 forint copper-nickel-zinc coin of the Proof type will be available from the American distributor Coin & Currency Institute.

The first three coins, celebrating the vizsla, komondor and agar, are among the Mint’s most popular issues.

The mudi is a medium-sized Hungarian breed with a wavy coat, pointed ears and coat colors that can include a unique merle pattern, according to the distributor, which provided information on the breed.

As a working breed, Mudis are agile and intelligent and can serve as versatile farm dogs and loyal protectors of their families. They are brave enough to herd the most stubborn livestock while guarding their homes without being overly aggressive. The mudi is considered a hard worker who remains a gentle and loyal family companion.

Learn more about mudi

The mudi is an energetic dog that does best with active families or in homes that can provide it with work. Thanks to its intelligent personality and eagerness to please its owners, the mudi is easily trainable and picks up obedience classes quickly. These dogs are also very affectionate with adults and children. They have a friendly temperament with other animals when raised together.

The mudi dog has been around since the 19th century. The mudi is thought to have evolved from crossbreeds of puli, pumi, and German spitz.

Today, the breed remains very rare. There are a few thousand Mudis around the world, with the largest number found in Hungary.

The coin weighs 16 grams and measures 34 millimeters in diameter. It has a mintage limit of 20,000 coins and is available for $19.95 each. With the purchase of five or more pieces, they are priced at $17.95 each. Shipping costs are an additional $6 per order.

To order, visit the distributor’s website, www.coin-currency.com.

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The last domino before a recession? Job losses

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Today’s jobs report was better than expected, with 315,000 jobs created. We have had negative reviews from 107,000 to the previous two reports combined, and the unemployment rate rose to 3.7%. What does this mean for the labor market and the economy as a whole?

The labor market is still doing well as the need for labor continues in America. Jobs in America are always out 11 million, and data on unemployment insurance claims have stabilized in recent weeks. Let’s take a look at the US labor market.

Of BLS:


Below are the areas where the report indicates jobs have been created, and the data on construction job growth is encouraging to see. Even though builders will stop producing new single-family homes that aren’t already under contract, they need the labor to finish homes that have been started or are under contract and haven’t started yet. In addition, keep in mind that multi-family construction has been good this year, with rental demand still solid.

Here is a breakdown of unemployment rate and educational attainment for those 25 and older:

—Less than a high school diploma: 6.2%.
—High school graduate and no college: 4.2%
—College or associate degree: 2.9%
— Baccalaureate and above: 1.9%

The unemployment rate has increased for those without a bachelor’s degree or higher. Labor force growth also increased in this report. When people talk about rising unemployment rates in a positive jobs report, it tends to mean that the growth in the labor force of people looking has also increased, as we have seen today.

If the unemployment rate drops below 3%, I tend to view that as negative because labor force growth is not very strong. People are being fired and hired every month. This is why neither unemployment insurance claims nor the unemployment rate can ever truly be zero.

For the rest of this century, if productivity remains low and our workforce growth slows even further, the need for labor will be transparent in parts of the country that are short of young people.

For me, it’s always simple: the economy is demography and productivity, and the rest is philately. Housing economics is about demographics and affordability. But for jobs, we are understaffed in parts of the United States with a pool of older people leaving the workforce. Those immigrants and robots that were supposed to take all the jobs didn’t make it. Job postings are over 11.2 million and much higher than what we had at the end of the great financial recession, which was a little outdated 2 millions.


Health of the economy?

My sixth recession red flag pattern was fully lifted on the same day as the last jobs report. My model is not designed to lag or rise when we are in a recession: it is created as a progression model to show you the history of economic cycles and when and when not to worry about a recession.

For example, I never had all six red flags of recession during the previous economic expansion of 2010 until COVID-19 hit, which was the longest economic and jobs expansion in history. . Economic data was improving at the end of 2019 and in February 2020 housing broke.

However, the shock of COVID-9 was far too great to prevent a brief recession. I had to create a pandemic-based recovery model; it was crazy and then some. However, the America is Back recovery model worked well in 2020 and I retired it on December 9, 2020.

So now that all the red recession flags are up, what am I looking for? The next step is to see total consumer demand hit so negatively that it will drive down job vacancies and increase unemployment insurance claims. We can then call it a job-loss recession in the United States, following the pattern of the recessions we experienced after World War II.

Why is housing in a recession but not yet the economy? Recessions are very simple to understand. These things tend to fall during a recession, and we already see them fall in housing, but not in the economy.

– Sales
– Production
– Works
– Revenue

Recently on CNBC, I said I agree with those who say housing is in a recession. I have to – I raised my fifth housing recession red flag in June of this year.

How is consumption hardest hit? Well, interest rates on credit cards, home equity margins and mortgage rates are much higher than before 2022. With higher interest rates and higher inflation data, it this is a test for American consumers, who have not been tested this century because the growth rate of inflation was low before 2021.

I will continue to follow consumer data and unemployment insurance claims data more and more at this point and will no longer focus on these six red flags of recession. The latest flag raised was that the leading economic index fell for the fifth consecutive month. The first month was minor, I need to see four to six months of decline to turn it up, which I did last month.

Overall, the labor market is functioning well. Unemployment insurance claims under 300,000 using a four-week moving average, still show that we don’t have any real stress in the labor market yet.


Traditionally, this line of data is on the rise when we are in a real recession, as companies are forced to lay off people to ensure they are in line with their business goals. We’re not there yet, but it’s time to think about it. The last time my six recession red flags went up was at the end of 2006, and the job loss recession only happened in 2008, so we may have time until what the consumer breaks.

The Federal Reserve is using the labor market as a cover for their aggressive rate hike rhetoric, which I still believe is mostly emotional. Some say they won’t even cut rates during a recession if inflation is high; remember, these people talk a lot to try to communicate with the markets. I tell you this because members of the Federal Reserve were very upset that mortgage rates fell and stocks rose. So they decided to have a united front when they told the media that they were serious about raising rates and holding them until inflation subsided.

A final note: how can we prevent a recession? History is not on our side once the six red recession flags are lifted. However, due to the crazy data this COVID-19 recovery had provided us with the wild data whiplash effect, I came up with a plausible theory.

With that in mind, here are the two ways to avoid this recession:

1. Rates go down to put the housing sector back in order.

2. Inflation growth rate falls and the Fed stops raising rates and changes course, as it did in 2018.

Can this happen? We have a backdrop that says it’s possible. If the Russian invasion finds a peaceful solution and China does not invade Taiwan, then some of the variable X factors are removed with the supply distribution. For now, we take the data day by day because we want to be the detective, not the troll.

Ravet is authoritative at home to win at the Paris World Taekwondo Grand Prix

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insidethegames.biz has earned a worldwide reputation for excellent reporting and breadth of coverage. For many of our readers in over 200 countries and territories around the world, the website is an essential part of their daily lives. The ping of our free daily email alert, sent every morning at 6.30am UK time, 365 days a year, landing in their inbox, is as much a part of their day as their first cup of coffee.

Even during the worst times of the COVID-19 pandemic, insidethegames.biz has maintained its high level of daily reporting on all news around the world. We were the first publication in the world to report on the threat facing the Olympic Movement from the coronavirus and have since provided unprecedented coverage of the pandemic.

As the world begins to emerge from the COVID crisis, insidethegames.biz would like to invite you to help us on our journey by funding our independent journalism. Your vital support would enable us to continue to report so comprehensively on the Olympic Movement and the events that shape it. This would mean that we can keep our website open to everyone. Last year, nearly 25 million people read insidethegames.biz, making us by far the largest source of independent information on what’s happening in world sport.

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Binance: attitudes hostile to the exchange

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“One of the many strengths that our employees at Binance must possess is thick skin. After all, there is a lot of negative sentiment in this industry (much of it is unwarranted, but that’s the reality right now) In recent months, our thick skin has been tested by a noticeable increase in attacks on our company’s reputation, both from the media and behind closed doors in meetings with decision makers.”

So begins the long message that appeared on Binance’s corporate blog to denounce the disinformation campaign that has been going on for some time to discredit the company in the eyes of users and investors.

Binance Attacked by Misinformation

In July, the company sued Bloomberg for defamationwho had called the exchange a Ponzi scheme.

According Binance CEOsome media outlets and competitors have long acted to discredit the company’s name in every way, dismissively labeling it a secretly Chinese government-controlled company, when, as the blog explains after the expansion it experienced in recent years, most employees would now be European and American.

According Changpeng Zhaosome competing companies are reportedly setting up ad-hoc news sites with the specific purpose of targeting other exchanges, including Binance itself, which is still considered the world’s top exchange.

“We are the largest crypto exchange and Web3 company on the planet. With that comes great responsibility and an expectation to face greater scrutiny. However, it is important to remember that our industry is still in its infancy.

the company proudly reiterates in the post written by the CEO and Founder Changpeng Zhao.

In the post, the company explains how the cryptocurrency sector has seen a lot of development in Asiaespecially in China itself, which quickly realized the great potential of cryptocurrencies to counter the dominance of the dollar in global financial markets in particular.

Here, therefore, even the repressive policies of the Chinese government, according to Zhaoare just window dressing

“While the Chinese government has maintained a tough public stance on crypto, it has quietly, behind the scenes, helped bolster the fledgling industry and supported its growth within its borders. Web3’s top engineers and curious investors flocked to Shanghai and Hong Kong.

Zhao traces his personal story of emigrating to Canada when he was just 12 years old with his parents from Hefei University of Science and Technology, not without difficulty as Zhao recounts how they spent whole nights in stand in line at the Canadian Embassy.

But this experience was crucial for his maturation and growth both personally and professionally.

It is precisely the explosion of 2005 of the technology sector in China which convinced him to return to China, in Shanghaito open a technology start-up.

In Shanghai, he bought an apartment, which he then sold to invest the proceeds in Bitcoin, then start his billion-dollar adventure with Binance.

“Two years before Binance, I started a company called Bijie Tech, providing exchange platforms as a service to other exchanges. We had 30 customers on board, and business was good. mainly of exchanges of art and objects such as stamps, baseball cards, etc.

Zhao recount.

Unfortunately, in March 2017the Chinese government closed all these exchanges, but from this bad experience was born the idea of Binance, launched on September 4, 2017.

After the Chinese ban, Binance moved its operations overseas and most of the employees relocated, becoming the global company it is today.

Get out of China, Binance faces numerous accusations from regulators halfway around the world of operating without a license.

Britain and Japan banned the swap to operate in their territory.

For this reason, in recent months, the Chinese stock exchange has obtained authorizations to operate in several states, including Italy and France.

Zhao then tells the story of Guangying Chenwho according to some media sites is the real leader of Binance put there by the Chinese government, when he is in fact only an executive of the company with which Zhao has been working since 2010.

“Binance was never incorporated in China. We also don’t operate culturally as a Chinese company. We have subsidiaries in many countries, including France, Spain, Italy, United Arab Emirates and Bahrain (to name a few). But we don’t have any legal entity in China and we don’t intend to. I believe it is essential today that we present these facts.

Zhao written in the post.

“My favorites are stories that go out of their way to note that I am a ‘Chinese-Canadian CEO’ or, even better, ‘Chinese-born, Canadian-educated.’ I am a Canadian citizen, period.

Binance CEO concludes the post.


The Night Sky: A Harvest Moon in Early Autumn

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DESPITE the delay in the planned launch of Artemis 1, Nasa remains optimistic that the mission will start soon, with Friday, September 2 being touted as a potential window.

A huge rocket, a “megarocket”, the largest ever built, will send a capsule on a mission that will circumnavigate the Moon and return home.

The uncrewed ‘Orion’ capsule marks the restart of NASA’s long liaison with the Moon with plans to eventually have a colony on the lunar surface, before venturing further into our solar system and to Mars.

The countdown continues towards the UK’s first space launch from Spaceport Cornwall in Newquay.

Using a modified Boeing 747 (named “Cosmic Girl”), the aircraft will launch a rocket to high altitude which will then carry a payload into space.

Sir Richard Branson’s Virgin Orbit will send several small satellites into space.

One of these so-called ‘Cubesats’ will be the first entirely Welsh-built satellite named ForgeStar-0, the brainchild of Cardiff-headquartered Space Forge. A proud moment for Welsh engineering, part of the first launch into space from British soil.

James Webb Space Telescope

It was a monumental period in the advancement of space exploration as the James Webb Space Telescope peered further and deeper into our universe than ever before, marking the dawn of a new era.

Together, the JWST and the Hubble Space Telescope will continue to scan the stars and galaxies around us.

To commemorate this feat, astronomer and philatelist Katrin Raynor joins The night sky again with his own take on this special moment in history.

She said: “On July 11, astronomers, scientists and space enthusiasts everywhere waited excitedly for President Joe Biden to unveil the first deep-field image taken by JWST during a broadcast press conference. from the White House.

“The image was breathtaking and perhaps exceeded anyone’s expectations. The photograph is the deepest infrared photograph ever taken of the Universe featuring a cluster of galaxies in a southern constellation named Volans, the flying fish.

“The JWST launched on Christmas Day 2021 and is a collaboration between the European Space Agency, NASA and the Canadian Space Agency.

“Webb has a much larger mirror than Hubble covering a diameter of 6.5 meters compared to Hubble’s 2.4 meter mirror. The main mirror comprises 18 hexagonal mirror segments allowing for a larger light gathering area that can produce much more detailed and clearer photographs.

“When I heard the news that the United States Postal Service was releasing a series of stamps to celebrate the JWST, I was thrilled. This happened much sooner than expected and will be a welcome addition to the collection. of any astrophilatelist.

“The clarity and detail of the new images that Webb can produce should make for excellent future stamp issues. This is truly an exciting time for astronomy and philately, there is so much to look forward to and not just around of the JWST.

“I hope we will see stamp issues celebrating NASA’s OSIRIS-Rex mission which in 2023 will return samples from the asteroid Bennu to Earth and of course stamps celebrating humanity’s return to Earth. Moon in 2025 when NASA plans to send the first woman to the lunar surface!”

autumnal equinox

The autumnal equinox takes place on Friday, September 23, marking the end of summer. The Sun will cross the celestial equator heading south at 2:04 a.m.

harvest moon

Following the full August sturgeon moon, September sees the full harvest moon on the 10th. The full moon that occurs closest to the autumnal equinox is called the Harvest Moon, and from the 8th to September 12, the moon will rise soon after sunset, creating an abundance of bright moonlight early in the evening, which was a traditional aid to help farmers harvest summer crops.

planets

Mercury will be lost in the evening twilight in early September, but just at the end of the month the innermost planet will appear in the low eastern morning sky about 30 minutes before sunrise.

Venus continues to dazzle as the “morning star,” but its dominance begins to wane as it sinks deeper and deeper to the east-northeast before sunrise. However, the planet still offers a marvelous spectacle.

Mars is positioned in the south, rising around 10 p.m. The planet is in the constellation Taurus Taurus and on September 16, a waning gibbous Moon passes just over Mars, with the bright star Aldebaran in the lower right, and the Pleiades, (“Seven Sisters”), top right. Saturn is also positioned to the south, with a waxing gibbous Moon appearing nearby on the nights of September 7 and September 8 respectively.

Jupiter steals the show this month on the planetary plane, visible all night in the south and reaching its closest point to Earth (opposition) on September 26. For a cute couple, watch Jupiter and the Moon come together on 9/11. .

Planetary occultation

While Uranus is rarely mentioned in The night skythe planet, although difficult to locate, can be seen with the naked eye.

However, the reason for inclusion this month is that Uranus will be involved in a rare event. On the evening of September 14 between 10:27 p.m. and 11:20 p.m., the Moon will pass in front of Uranus. The last time such an occultation was visible from the UK was in 1953.

If you have a pair of binoculars or a telescope, the event is worth seeing, it is worth trying to capture the event.

As a guideline, Uranus will disappear from the left side of the Moon, just above the midpoint of the lunar limb. About 50 minutes later, the planet will reappear at roughly the same position but on the right side of the Moon.

Uranus will appear to all but the largest telescopes as just a dot, but it’s worth remembering that even at its closest to Earth the planet is still 2.6 billion kilometers from us, taking 84 Earth years to orbit. around the Sun.

NASA’s Voyager 2 spacecraft took more than nine years to reach the planet.

Light travels from Uranus to Earth in just under two and a half hours, so when we see the planet it is as it was two and a half hours ago. If you magnify that distance to the stars, it gives you an idea that in some cases the starlight that we see now left the star itself millions of years ago.

Company meetings

Barry Astronomical Society – ‘The Dangers of Asteroid Impacts on Earth – Should We Be Worried?’ by Matt Griffin – September 19 – 7:15 p.m. – Barry Community Centre.

Moon phases

  • First quarter September 3;
  • Full Moon September 10;
  • Third quarter September 17;
  • New Moon on September 25.

Sunrise/sunset times

  • Early September: The sun rises at 6:24 a.m. Takes place at 7:58 p.m.
  • End of September: The sun rises at 7:10 a.m. Takes place at 6:52 p.m.

South Wales Argus:

Jonathan is a contributor to BBC Sky at Night magazine with articles also published in Astronomy Now. He has written three books on astronomy, Cosmic Debris; Rare Astronomical Sights and Sounds (which was selected by ‘Choice’ magazine as an outstanding academic title for 2019); and From Cave Art to Hubble, all available on Amazon. Jonathan worked at BBC Radio Wales as an astronomy correspondent and was an astronomy and space correspondent for The National, (an online newspaper for Wales). He is currently a columnist at the South Wales Argus, and also a contributor to CAPCOM, an online magazine which promotes astronomy and spaceflight to the general public. He has also presented on commercial radio at Sunshine FM in Worcester, Brunel FM in Swindon and Bath FM, and has also presented on a dedicated astronomy and space radio station, Astro Radio UK. It is currently at 107.9 GTFM in South Wales. He has also written a book on castles, ‘Fortress Wales’, and was on the editorial staff of the BAFTA-winning BBC TV show ‘The Fast Show’.

Five unselected players vying for Ireland’s emerging squad

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A team from Emerging Ireland will travel to South Africa in less than a month with the aim of acclimatizing emerging talent to the Irish setup.

Simon Easterby will take charge of a 35-man squad in South Africa, where emerging Ireland take on Currie Cup trio Griquas, Pumas and Cheetahs over a 10-day period.

Those involved are expected to miss at least three rounds of URC action with their provinces, although the IRFU hope the tour will help build national team depth ahead of next year’s Rugby World Cup.

None of Ireland’s first-choice players are expected to travel, with the squad likely made up of those who played against the Māori All Blacks in July and those who missed selection for the New Zealand tour.

We have identified five players absent in July who could play an important role for emerging Ireland in South Africa.

Scott Penny

Leinster flanker Scott Penny was named by Ireland head coach Andy Farrell as unlucky to miss the national team for games against Japan and the United States last summer, and the 22-year-old years could finally have a chance in green this month.

Penny rarely puts in a disappointing performance for Leinster as he has scored a remarkable 23 tries in just 41 appearances for his province, a record most wingers would be jealous of.

He has been included in the 2020/21 Pro14 dream squad, although he had fewer chances to impress for Leinster last season and often doesn’t feature in his province’s matchday squad for crucial matches.

Still, he’s still young and has a lot of potential, and is a perfect fit for what Ireland are looking for on their mini-tour of South Africa.

Ben Healy

Munster half-out Ben Healy may have been unlucky to miss the New Zealand tour, as compatriot number 10 Harry Byrne was selected ahead of him despite Leinster having little playing time this season last.

Healy frequently plays for Munster, and despite being behind Joey Carbery in the pecking order, he often looks like a more natural half-back than his provincial team-mate, who regularly played as a full-back earlier in his career.

At 23, Healy should be in no rush to win international honours, despite qualifying in Scotland and having been approached by Scotland head coach Gregor Townsend in the past.

Showing that Healy is in contention to earn caps for Ireland by bringing him to South Africa would be a smart move by the IRFU, as Scotland seek to snap up the Munster man’s services.

Ethan McIlroy

Although Ethan McIlroy may be less publicized than promising Ulster outside backs Robert Baloucoune and Mike Lowry, the 22-year-old is a very exciting prospect.

McIlroy has shown he is capable of rubbing shoulders with some of the best in the business in knockout matches for Ulster in the Heineken Champions Cup and URC and will be more than enough to take on Currie Cup sides in Africa from South.

Ireland have no shortage of quality wingers at the moment, although Keith Earls, Andrew Conway and James Lowe are all over 30 and may not have too many years of international rugby left in them.

The Ulster winger is certainly a player of the future and one who could work his way into Ireland’s consideration for next year’s Rugby World Cup.

Conor Olivier

While he would probably be a bit older than most players in emerging Ireland at the age of 26, Connacht’s Conor Oliver is steadily improving with each passing year.

The Skerries man found himself out of favor towards the end of his spell with Munster, although he revitalized his career with a move to Connacht in 2020.

Oliver has been a key player for Western Province for the past two seasons and has already expressed his international aspirations, although the back line is arguably the most competitive position in the Irish squad.

Having proven himself on many occasions for Connacht over the past two years, if he can impress in a different setup in South Africa it will give a significant boost to his hopes of playing for Ireland.

Ireland

Josh Wycherley

Another who may not have been lucky enough not to visit New Zealand this summer, as Josh Wycherley often started ahead of Jeremy Loughman for Munster last season but found himself behind his provincial team-mate in the pecking order of Ireland.

Loughman’s greater experience and age likely played a role in his selection ahead of Wycherley in July, although the 23-year-old is well suited for the mini-tour of South Africa.

Ireland aren’t awash with talent in loose support, and while Andrew Porter looks set to be the top choice for years to come, backup options Cian Healy and Dave Kilcoyne are nearing the end of their careers.

The position is expected to be a priority for IRFU as they aim to develop more depth for next year’s Rugby World Cup and beyond.

Find out more about: emerging Ireland, Irish rugby

Charles Dickens’ personal letters will be on display at the London Museum

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Comment

LONDON — Handwritten letters from one of Britain’s most famous authors, Charles Dickens, will go on public display for the first time this week, giving new insight into the life and mind of the Victorian writer .

Eleven letters were acquired by the Charles Dickens Museum in London from a private seller in the United States – a country Dickens visited twice on popular public reading tours.

A letter – dated February 10, 1866 and written to an IH Newman – reveals that Dickens, a celebrity in his day, is having a sweet diva moment as he complains about the potential loss of Sunday Postal Service in his hometown of south of England and threatens to move elsewhere.

“Please say that I resolutely and strongly object to my inflicting such inconvenience on myself,” he wrote. “There are probably a lot of people in this village of Higham who don’t get or send in a year as many letters as I usually get and send in a day,” he said of his home in the Kent, in the south of England.

“I am on good terms with my neighbours, poor and rich, and I believe they would be sorry to lose me,” he continues. “But I should be so bothered by the proposed restriction that I think it would force me to sell my property here and leave this part of the country.”

In another, written while vacationing in Lausanne, Switzerland, on August 5, 1846, Dickens wrote to his friend and lawyer Thomas Mitton, describing the city as “wonderful so ugly.” He includes details of his stay, including hiking in the mountains and washing his face with snow, and he comments on the local cuisine and how his children pass the time.

“I’m sure you’ve looked for a letter from me once or twice since I left home.” I wrote to very few people indeed,” he says.

“It’s not a cheap place at all, more expensive than Genoa, and as expensive, I should say, as Paris. The most astonishing circumstance to me is that bread, of all things in the world, is more expensive at this moment than in London! The meat is quite cheap and very good. … Native wine is something between vinegar and pickled cucumbers, and makes you blink and cry when you taste it,” he adds.

Another letter is a dinner invitation with a dramatic Dickensian ending: “Say ‘no’ and I’ll never forgive you.” Say “yes” and join us here at six ten minutes next Thursday, and I will always remain faithfully yours CHARLES DICKENS.

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Peter Orford, a lecturer in English literature at the University of Buckingham and biographer of Dickens, told the Washington Post on Tuesday that he was “excited” about the new trove of letters, which would be a “major resource” for scholars. and enthusiasts. look alike.

Orford described Dickens – the author of classics such as “Oliver Twist”, “Great Expectations” and “Bleak House” – as someone who “tried to be a man of the people”, advocating for social causes. However, like many modern celebrities, he was also “very valuable to his privacy” and sought to strike a balance, Orford said.

“He could be a bit of a diva and get attention when it suited him,” he said, as there was “always interest in him as a person,” but at other times , he found the public attention “intrusive”.

Dickens, like many Victorians, was a “prolific writer” and a man of his time, when an individual could receive mail deliveries a dozen times a day. So far, 12 volumes of Dickens’ letters have been published, some short “like text messages” confirming the plans, Orford said, and other longer missives to friends and family.

Like other British authors, including Jane Austen, Dickens destroyed many letters before his death, setting up a bonfire in 1860 to keep them from falling into public hands. Those that still exist were collected from the recipients. In his will, Dickens also made it clear that he did not want to be remembered by statues or memorials but rather for his works, Orford added.

Despite his “Bah! Humbug!” attitude, Dickens still has millions of fans around the world. His likeness has appeared on banknotes and stamps, his books have been adapted for the screen, and countless schoolchildren still study his novels and perform “A Christmas Carol” every year.

“There is still a lot of popular interest in Dickens,” said Catherine Waters, Emeritus Professor of Victorian Literature at the University of Kent. Waters is also the past president of the Dickens Fellowship, a worldwide fellowship of people who share an interest in the life and work of Dickens. The group was founded in 1902 and has active chapters in the United States, Italy, Australia and Japan.

The House of Lords is a bloated relic. Boris Johnson could make it bigger.

But like many of his fictional characters, Dickens was not easy to sum up. “He shared some of the prejudices of his age,” Waters said. She noted criticism of her “stereotypical” portrayal of some female characters and her real-life affair with Ellen Ternan later in life.

However, he also encouraged contemporary female writers and journalists, Waters said, accepting and publishing their work in periodicals he edited. “He was a complex man,” she said.

Dickens could have written up to 20 letters a day over a period of more than 40 years, Waters told the Post.

“The range of topics covered by her letters is immense,” she said, with letters to family, publishers and charities illustrating a wide range of topics and social relationships.

“Given the variety and liveliness of his letters, I’m sure being able to read some of these new letters will be very exciting for people,” she said.

Other letters in the collection provide insight into his reading habits and busy social diary. The museum also acquired a number of his personal items, art, jewelry and books from the American collector in 2020, amounting to more than 300 items valued at just over $2 million, according to the museum.

The exhibition of his handwritten letters will be presented from Wednesday at the museum and online for international enthusiasts. Dickens died in 1870 at Higham and is buried in Poets’ Corner, Westminster Abbey in London with fellow British authors Geoffrey Chaucer and Rudyard Kipling.

“There’s no log, so that’s the best we have of what he’s thinking at the time,” Orford said. “Letters are a fantastic resource.”

Extended international support for Ukraine Post

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By Paul Albright

National postal agencies from at least 30 countries have volunteered to help beleaguered Ukraine as the war-torn country tries to maintain and restore its crippled postal services.

International support includes financial contributions, assistance to Ukrainian refugees, the issuance of commemorative stamps and the waiving of postage, especially for humanitarian shipments into the country.

About 20% of Ukraine’s territory was cut off from postal services in the spring, with around 500 post offices destroyed or damaged and 450 facilities inaccessible due to the occupation by Russian forces, according to Julia Pavlenko, director of international operations at the Post Office. country. agency, Ukrposhta.

In addition, 20% of Ukrposhta employees work in occupied territory, with mail transport hampered by damaged roads, bridges and railways.

Since the start of the conflict in late February, Ukrposhta has opened 372 mobile post offices and 14 fixed post offices, as well as temporary locations in schools and government buildings. The continuation and adaptation of Ukrposhta services is essential for access to pensions, mandates and important assets, Pavlenko added.

In response to this crisis, postal administrations across Europe and beyond have responded with fundraising, free postal services, humanitarian aid and jobs for Ukrainian refugees.

Two funds managed through the Universal Postal Union provide additional financial support.

Contributions to the UPU’s Quality of Service Fund and its Emergency and Solidarity Fund are intended for the reconstruction of postal infrastructure and the restoration of postal services.

The UPU’s Emergency and Solidarity Fund relies on voluntary contributions from its 192 member countries, postal unions and other entities in the postal sector. For example, PostNL in the Netherlands donated around $516,340, while Japan donated $106,270 to support Ukraine.

The UPU reported other financial pledges from postal agencies in Italy, Panama and Slovakia, while Posti in Finland raised around $51,320 for charities that support Ukrainian citizens.

About two dozen other countries – mostly in Europe – are flying humanitarian packages to Ukraine for free, while encouraging and coordinating fundraising efforts, and providing free financial and communications services to refugees.

Even though Belarus gave tacit support to Russia’s invasion of Ukraine, its postal agency, Belpochta, launched a campaign among its employees to collect toys and personal hygiene items for Ukrainian children, according to the UPU.

So far, the postal agencies of Austria, Canada, Croatia, Estonia, France, Latvia, Lithuania, Moldova, Poland, Spain and others have issued commemorative stamps or semi-postal stamps to raise funds for Ukraine. The problems of Croatia, Lithuania and Moldova, which were not previously illustrated in by Linnare presented here.

In addition, Ukraine should benefit from sales of semi-postal stamps …

To continue reading this story, subscribe to Linn’s Stamp News.

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State leaders: respect the deadline; Apply now for the Civil Service Loan Forgiveness Scheme

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By Antonio Ray Harvey | California Black Media

(CBM) – California Attorney General (AG) Rob Bonta is urging Californians to take advantage of recent changes to the Public Service Loan Forgiveness (PSLF) and Temporary Expanded Public Service Loan Forgiveness (TEPSLF) programs.

Bonta’s announcement coincides with a CNBC survey that reports that 31% of black women are disproportionately affected by student debt. Additionally, four years after graduation, 48% of black students owe an average of 12.5% ​​more than they borrowed, according to the Educational Data Initiative (EDI).

Assemblywoman Mia Bonta (D-Alameda), a member of the California Legislative Black Caucus (CLBC), shared her own struggles with paying off student debt.

“I graduated with over $150,000 in student debt. I was 20 then,” she said. “I didn’t make my final payment until almost 20 years later, just in time to send my eldest daughter to college.”

According to Bonta, a black woman owes 112% of the amount of the loan she takes out 12 years after starting college. For a Latina, 12 years after starting college, she will owe 86% of that loan.

“Black and Latino students, from low-income communities, carry disproportionate student debt,” Bonta said. “I witness it every day.”

The PSLF and TEPSLF programs are entirely different from President Joe Biden’s plan for targeted cancellation of student debt to borrowers with loans held by the Department of Education. Eligible borrowers must have “an annual income of less than $125,000 (for individuals) or less than $250,000 (for married couples or heads of households). Qualifying borrowers can see up to $10,000 of eligible debt forgiven. If the borrower received a Pell Grant, the borrower could have up to a total of $20,000 in forgiven debt.

Biden also extended the pause on student loan repayment, interest, and collections through Dec. 31, 2022.

Last year, the U.S. Department of Education (ED) launched a limited-time PSLF waiver opportunity that extends through October 31. It allows eligible borrowers to receive credit for past student loan payments that would otherwise not be eligible for the PSLF program.

ED improved the PSLF program in response to a years-long lawsuit and advocacy by a number of state attorneys general and others urging ED to fix the flawed program.

Following the resolution of the lawsuit, AG Bonta continued to advocate for changes to the PSLF program. The California Department of Justice (DOJ) is participating in the California Student Loan Debt Challenge to raise

awareness of the PSLF program to help DOJ employees access loan forgiveness.

“On behalf of the more than 5,000 officials of the California Department of Justice, I am proud to take on the California Student Debt Challenge,” said AG Bonta. “Our public servants work day in and day out on behalf of the people of California as nurses, teachers, first responders, state employees, and more. I urge you to take advantage of the new PSLF limited waiver opportunity before the October 31st deadline.

California ranks 13th among states in student debt, with borrowers owing an average of $37,084. California’s student loan debt stands at $141.8 billion, the highest amount of any state.

According to the EDI, student debt statistics show huge disparities between racial and ethnic groups.

African-American college graduates have an average debt of $25,000 more than white graduates. Four years after graduation, 48% of black students owe an average of 12.5% ​​more than they borrowed.

Black student borrowers are the most likely to experience financial hardship due to a student loan, with 29% making monthly payments of $350 or more. About 3% of California borrowers owe more than $200,000 and nearly 10% of the state’s population has student loan debt.

The moratorium on federal student loan repayments expires August 31. A total of 43 million Americans have student loan debt — worth $1.6 trillion, according to federal data.

“Fortunately now, there are federal and state programs that can play a vital role in reducing or eliminating student debt altogether,” Mia Bonta said. “We now have this last opportunity to publicize these programs. Beyond that, we need to simplify the application process and create a better coordinated outreach program between higher education institutions, government and the private sector.

Under the PSLF’s limited waiver rules, any prior repayment period counts as an eligible payment, regardless of loan type, repayment plan, or whether the borrower has made a payment or not, or whether the payment was completed in full or on time.

Each borrower must work for an eligible private or non-profit employer. The temporary change applies to borrowers with direct loans, those who have already consolidated into the direct loans program, and those who have consolidated into the direct loans program by October 31, 2022.

There are two conditions for receiving additional qualifying payments:

Full-Time Employment – ​​Borrowers must have worked full-time for an eligible employer during previous repayment periods. They only receive credit for repayment periods after October 1, 2007, when the PSLF program began.

Loan Consolidation – Borrowers with Federal Family Education Loan Program (FFEL) loans, Federal Perkins loans, or other types of federal student loans that are not direct loans must consolidate those loans in the program direct loans by October 31, 2022.

If the borrower had direct loans and had certified PSLF employment, ED will grant additional payments without further action. If necessary, Federal Student Aid may contact the borrower to certify additional months of employment.

An employer must be a government organization, 501(c)(3) organization, or non-profit organization that provides a designated public service in order to qualify for the PSLF under the normal rules and the limited PSLF exemption.

“My team has been advocating for years for the Department of Education to fix this flawed program, and with the recent changes under the Biden administration, Californians are finally starting to receive relief,” AG Bonta said.

Get more information about the loan cancellation program.

FTC sues company that collects and sells sensitive location data

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Governance and risk management , Legislation and litigation , Confidentiality

Agency’s lawsuit against Kochava follows firm’s preemptive lawsuit against FTC

Marianne Kolbasuk McGee (HealthInfoSec) •
August 29, 2022

The U.S. Federal Trade Commission has sued a data broker, alleging the company sells sensitive location data collected from hundreds of millions of mobile devices, including data that could be used to identify people who visited abortion clinics, mental health providers and other sensitive locations.

See also: Spying on Data Sharing: A Discussion of Fraud

Idaho-based Kochava Inc. sells location data associated with a timestamp and a unique identifier known as a mobile advertising ID that allows buyers to detect the true identity of the device owner. , says the agency in its complaint. This amounts to an unfair market practice, according to the FTC.

Kochava earlier this month filed its own lawsuit in the same federal court in Idaho as the FTC in an effort to preemptively counter the federal agency (see: FTC Lawsuit Intensifies Location Privacy Battle).

Kochava in court documents admitted to collecting mobile advertising identifiers and latitude and longitude information generated by smartphones, but said it did not connect that data to consumers or locations. The data comes from apps for which consumers have agreed to share location data, the company also said. “In other words, the consumer has agreed to share their location data with an app developer. As such, the consumer should reasonably expect that data to contain the consumer’s locations, even the locations which it deems sensitive,” the company wrote.


The FTC lawsuit follows a July executive order from President Joe Biden encouraging the agency to take steps to protect privacy around reproductive health services.

In June, the Supreme Court struck down a constitutional abortion guarantee embodied in the five-decade-old precedent of Roe v. Wade. Since then, a dozen states have implemented complete abortion bans, and other states have imposed partial bans or are seeking to implement new restrictions on reproductive health. The bans, especially when coupled with state legislative attempts to impose restrictions on abortion for women traveling to a state where it is still legal, have raised concerns that mobile devices could be used for monitoring purposes.

There is precedent to suggest that the concerns are not unwarranted. In 2017, the Massachusetts Attorney General reached a settlement with an advertising company that was using smartphone tracking to target women near reproductive health centers and methadone clinics with anti-abortion ads with headlines like as “Pregnancy Help”, “You Have Choices” and “You’ I’m Not Alone.”

FTC claims

The FTC alleges that in addition to visits to healthcare facilities, Kochava’s data can reveal individuals’ visits to a host of sensitive places, such as places of worship and homelessness and domestic violence shelters.

“By selling people-tracking data, Kochava enables others to identify individuals and expose them to threats of stigma, harassment, discrimination, job loss, and even physical violence,” says the FTC in a statement.

Among other claims, the FTC alleges that Kochava’s personalized data feeds allow buyers to identify and track specific mobile device users. “For example, the location of a mobile device at night is likely the user’s home address and could be combined with ownership records to discover their identity. In fact, the data broker presented the identification of households as one of the possible uses of its data in certain marketing materials,” the FTC alleges.

The agency’s lawsuit seeks to stop Kochava’s sale of sensitive geolocation data and requires the company to delete location data it has collected.

The lawsuit does not address a putative defense that Kochava raised in his pretrial lawsuit — namely that the company earlier this month introduced a new feature called Privacy Block, which strips health service location data from its market. It’s probably too little, too late, says regulatory attorney Rachel Rose, who is not involved in the case.

“Kochava should have already put this in place,” Rose says. A judge could consider the measures as a subsequent remedy. The federal court rules do not allow litigants to use remedial measures put in place after the alleged injury as evidence of negligence or culpable conduct, but they do allow them as evidence for other purposes.

The FTC could argue “that the company failed to comply with a plethora of laws from the outset by obtaining evidence before the August 2022 enactment of the privacy block and using it without even referring to the privacy block” , she says.

A comfortable relationship between higher education and lenders should be explored

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Forty years ago, I walked into an office as a 21-year-old college student, where a woman, barely older than me, asked a few questions and then handed me a check for $4,000. I suppressed the urge to ask her if she was crazy.

I didn’t really need it. I had no job prospects, so my ability to repay it was sketchy. I was really only there because a friend told me how easy it was to get a student loan, and I couldn’t believe it. Also, it would be nice to have $4,000, although I don’t think a penny was spent on my education.

But don’t judge my experience against the 45 million people who have racked up $1.6 trillion in student loan debt. When I was in school, tuition was maybe $500 a semester, and most, if not all, was covered by a Pell grant. Today, tuition and fees at a public university are over $21,000. Loans are no longer optional.

After:Am I eligible for student loan forgiveness? What you need to know about Biden’s debt plan.

I paid off my loan, which was small enough that I could make additional payments and be done with it in a few years. So – should I be angry because I, as a taxpayer, will be paying off other people’s loans?

I’m not, but if I were, I wouldn’t be mad at the students. I would be angry with adult academics who have stopped seeing higher education as a mission to train and inspire young minds, and have started to see it as a money-printing machine.

You don’t have to be a grumpy old cynic or bug-eyed conspiracy theorist to see a straight line between schools and lenders – both of whom are rewarded for making higher education unaffordable.

And these are the legitimate colleges. What about all the poor students who have been sucked into de facto usury factories masquerading as private schools, whose “degrees” aren’t worth the paper they’re printed on?

Republicans want to investigate Dr. Fauci. Better to bring in the presidents of universities and banks and make them sweat by explaining their convenient and profitable relationship.

We have a tradition in this country of making people who have been wronged whole. If someone is injured in a car accident that is someone else’s fault, we agree that that person should be compensated, even if it means higher insurance premiums for the rest of us.

We collectively pay for poor medical outcomes, corporate pollution, wet floors, faulty products, and frivolous allegations of voter fraud. Los Angeles County taxpayers will indirectly pay the tab for $31 million awarded to Vanessa Bryant and another man whose shattered bodies of family members were photographed by first responders following a car accident. helicopter and shared with bar buddies.

Additionally, the New York Times recently reported that a home owned by a black couple in Maryland was valued at $472,000; when the house was designed to look like it belonged to a white family, it was appraised at $750,000.

When people talk about reparations to African Americans, it’s not so much for the actions of our white ancestors in the first half of the 1800s. It’s for unjust retention – through housing, an education, a job, discriminatory investment opportunities – huge amounts of wealth that black people would have been entitled to had their skin color been only white.

So no, I don’t mind that young people get debt help. What bothers me is that this does not deter the sewer rats of the higher education and financial cartels, who will continue to operate with impunity – raising tuition fees, forcing children to s ‘in debt and not offering them jobs and income that gives children a prayer to repay within a reasonable time.

These parasites will continue to bleed students dry, not just during their college years, but for decades after. How many University of Alabama grads are struggling under tens of thousands of dollars in debt so the school can throw $11.7 million a year at its football coach?

Today, universities and their financial cronies are the 21st century equal of the company store in the coal towns of the 1920s. Empower graduate students to earn an income, but make sure they spend that income not for houses, cars, or anything productive, but for interest payments.

Of course, everything will fall apart once it becomes clear that you can get a better education on YouTube than you can at Harvard. Too bad so many bad actors can lag behind until reality sets in.

Tim Rowland is a columnist at the Herald-Mail.

LaserPecker 2 Pro Laser Engraver Review

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EXAM – Laser engravers have exploded in popularity lately…or it seems they have because I get 1-2 emails with offers to review engravers every week. I reviewed 2 of these in the last few years and felt like I had had enough until I was offered the LaserPecker 2 Pro laser engraver. It has a cute name and a cute size, but let’s see if this burner has any awesome specs.

What is that?

The LaserPecker 2 is a compact laser engraver designed to be easy to use and easy to move from location to location. I was sent the LaserPecker 2 Pro where “Pro” means it comes with the electric roller attachment.

I received both the LaserPecker 2 Pro and the 3rd axis electric roller to review. I will talk about each individually.

What’s in the LaserPecker 2 Pro box?

  • LaserPecker 2 engraver
  • laser shield
  • Electrical support
  • Power cord and adapter
  • USB cables
  • Protective glasses
  • Rule
  • Wrench and screw
  • Material samples (fine wood, steel nameplate)
  • Quick Start Guide

Hardware specifications

Power – 5W
Laser type – 450 nm NICHIA diode laser
Engraving size – 100*2000mm
Resolution – 1K/1.3K/2K
Engraving Speed ​​- 6mm/s-600mm/s
Preview speed – 3750 mm/s
Input – 12V 5A | 100-240V | 50-60Hz
Wireless transmission – high-speed Bluetooth 5.0
File formats – jpg, svg, png, bmp, G-code, CAD, AI, CDR, dwg and more
Operating System – Mobile: Android and iOS, Desktop: Windows and macOS

Design and features

Assembly

The LaserPecker 2 laser engraver requires assembly, but don’t worry, as all you need to do is attach the base to the bottom with two screws using the supplied Allen key.

You also need to connect the included USB cables from the engraving unit at the top to the electrical stand. This connection allows the touch buttons on the stand to control the height of the engraving unit relative to the base.

The back of the LaserPecker unit has 4 ports. There are 2 USB-A ports which are used for the electric foot lift mechanism (mentioned above) and for the laser shield/fan. There’s a USB-C port you can use to connect the burner to your computer, and there’s the power port.

In the image above you can see that the laser shield has been attached to the bottom of the engraver. It slides in easily when you want to use it and can be removed just as easily. Also note that there is a handle at the top of the LaserPecker 2 laser engraver. The handle makes it easy to move the device from place to place, but you can also remove the engraver from the power stand and hold it against the material to engrave it.

The laser shield has multiple features. First, it has special plastic to protect your eyes while the laser burns (you should also wear the included goggles to be doubly safe). The shield also makes it easy to adjust the height of the engraver which should be 110mm from the material you are engraving on. It’s weird that they include a ruler in the package, but it’s in inches and centimeters instead of millimeters.

Let’s burn something!

The easiest way to use the engraver is to use the LaserPecker mobile app. The app uses Bluetooth to connect to the engraver and you can choose from a selection of included graphics, import your own or even draw your own using simple in-app drawing tools.

For the first test of the LaserPecker 2 Pro laser engraver, I chose the app’s LaserPecker logo with the included wooden square.

I set up the engraver in my desk, placed the piece of wood on the base, and lowered the laser shield until it touched the base so it was 110mm from the laser. Then in the app I selected the type of material I would be engraving and accepted the default settings for power, depth, and number of passes.

About 10 seconds later, I had finished laser engraving the LaserPecker logo. Wow!

I also imported The Gadgeteer logo and tested it on cardboard and cork.

The engravings turned out really great, then I tested something important… My leather cover of Midori Traveler’s Notebook.

Lately I customized the cover using ink stamps. I call that tattooing my cover. I only “tattoo” the cover with stamps that tell me something. The horse and buggy stamp recalls the vacation we took this year in Shipshewana, Indiana, in Amish country. And the trees on the back represent my love of trees. So for a laser tattoo, I thought I’d do a little glimpse of Indiana since that’s where I was born, raised, and lived all my life.

This is the simple outline I found with a quick google. I imported it into the LaserPecker app and set the material to leather…

I placed the cover of my Midori travel diary under the laser shield and pressed the button to do the engraving.

When the engraving was done, I raised the laser shield, and… SHIT! The tattoo is upside down. ARGH!!! and what are those other little slashes over there that weren’t in the art that was imported? First of all the problem with the upside down art was totally my fault because I noticed it from the first two tests I did but for some reason I was so excited to burn something I would really like to see everyday, that I spaced out the fact that I needed to flip the art before I started engraving. 🙁 The reason (I think) for the extra slashes and dots was due to the presence of the metal button and charm under the laser shield. I think the laser may have reflected off the metal.

I was upset with the result of the leather etching on the cover of my notebook, so I decided to try to fix it by doing a tattoo camouflage. The idea was to make a smaller Indiana outline placed inside the original upside down Indiana outline and add a frame around it to cover the corner dashes. The image I created is shown above. The .58¢ represents the fact that I turned 58 this year 😉

Hmmm, it didn’t quite go as I expected (again). Those lines inside the Indiana outline weren’t supposed to be there…but that’s okay. This gives my leather notebook cover extra character. Yeah, that’s it. 🙂

3rd axis LaserPecker accessory

In addition to being able to engrave on flat materials like wood, cardboard and leather, you can also use the LaserPecker 2 laser engraver to engrave on cylindrical shapes with the additional 3rd axis electric roller attachment.

The electric roller attachment is designed to sit on the base of the engraver and is also controlled by the engraver to rotate as needed while the laser engraves. I think video can explain it better than words, so check out my video below where I show the electric roller attachment in action engraving a piece of PVC tubing.

See in action

What I like

  • Compact
  • Quick!
  • Easy to use
  • Ability to engrave a variety of materials
  • Ability to engrave on curved surfaces

What I would change

  • Include a storage case
  • The price – it’s really expensive

Final Thoughts

The LaserPecker 2 Pro laser engraver is the 3rd laser engraver I’ve tested and reviewed and it’s easy to say it’s my favorite of the three. The LaserPecker 2 doesn’t break my back moving it like the insanely bulky Flux Beamo CO2 laser engraver, and while the Dewallie Mini laser engraver is smaller and more compact than the LaserPecker, it’s not as fast and doesn’t has no additional accessories (3rd axis roller). The only downside to the LaserPecker 2 is the price. I know it’s really expensive. But if you’re short on space, want to easily transport the engraver from place to place, and have the budget for it, I can recommend it for all but the heaviest burning tasks.

Price: $1199.99 (currently on sale for $959.99)
Or buy: Amazon
Source: The sample for this review was provided by LaserPecker.

How to invest $50 in apartments in Spain or the United States

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Investing in real estate was already a safe way to use money to reap economic benefits. In this context, the market for digital assets must remain and continue to grow: between 2021 and 2022, according to industry data, Quintuple shares in Proptech companies in Latin America,

In this sense, Argentina is the ideal target for this type of business. at present It takes 14.2 years of median income to get a standard apartment According to a report prepared by, on two rooms of 42 m2 in the city of Buenos Aires real estate report,

“Our goal is to ensure that every citizen has access to financial products and that means access to mortgages, loans, good investment products. Rental wants to help make these products accessible to everyone and for that, only an internet connection is needed,” he explains. Eric Sanchez, CEO of Reental, a Spanish startup dedicated to the technological tokenization of real estate,

How to “tokenize” an asset

The innovative company, born in 2020, is also an alternative to the decline of cryptocurrencies and the divergence of values. ,The market crash does not affect our token at all, because they represent a financial product associated with an asset. Tokens issued by Rentals are security tokenValidated by CNMV in Spain, and its value depends on the value of the property and the return on it,” explains Sánchez.

The company offers its users to do the following equity loan agreementThat is, a proportional share of the assets in which you have invested. The dividends generated are realized between Rental or sale of the same, which can vary between 10% and 15%At this point, users get a monthly return in dollars.

How do they do this? Rentals, like other proptech companies around the world, Receives a property, the “token” and divides it Small amounts recorded via the blockchain. A favorable outcome could generate greater traceability, facilitate transmission and above all eliminate the intermediaries that exist in traditional businesses.

The success of rental in Spain and its ambitions in the United States

The Spanish startup born about a year ago saw the main source of its growth Spaincurrently owns 16 token properties In the Valencian Community, with the total 43,210 Tokensthe spanish portfolio joins like this 51,928 tokens Or 5.2 million euros.

The La Marina building, located in the port of Valencia, is one of Rental’s most ambitious projects and where it was sold Approximately 26,000 tokens (2.6 million euros), equivalent to 26 assets,

The property initiative, launched in early March, has already secured enough tokens to acquire five floors of the building, allowing it to rehabilitate and restore the building.

Building La Marina.jpg

Marina Building has sold 26,000 tokens since its launch.

Today, the company headed by Sanchez is expanding into Latin American markets, Opening of a new headquarters in Miami, USA, and plans to be present in more than 70 countries by 2023,

“Why the United States? There are several reasons: the absence of state taxes, the migration generated by COVID and, in particular, a range of advantages in the real estate sector,” he explains. Fernando Ors, president of Rentals in America,

The first real estate marketplace in Argentina

In a regional and national context of inflationary policies, Argentina and Latin America are monopolizing digital businesses via blockchain. according to a report by world economic fund, guess that for 2027 10% of world GDP will be tokenized,

A group of Latin American entrepreneurs analyzed and launched this beta version vbuild, First digital crowdfunding project in the regionIn accordance with the concept of democratization.

“Wbuild was born with the intention that people could invest in properties around the world, starting in the United States, with low income stamps to become a percentage owner of a property. We turn a property into a single asset. divide and digitize into a fixed number of shares which represent the number of m2”, he specifies. Company CEO Daniel Pardo,

The virtual platform was launched on August 15 so that people Possibility to reserve the m2 in advance In which they want to invest when the process of selling the property officially begins.

People wishing to participate in crowdfunding must buy at least one m2 of Quadro Residence Building located in the Design District of Miami, USA, minutes from South Beach. The process is fully online and there is minimal investment enabled From $50.

What does the Argentinian real estate market say

With the phenomenon of digital assets in real estate already established in Argentina, real estate room take a look and think favorably about it. “The main benefit that you see is how democratizing investing will be done for virtually anyone,” he says. President of the organization Alejandro Bennazar,

tokenized real estate.webpi

Tokenized real estate: how to invest $50 in apartments in Spain or the United States

Precautions to take when investing in real estate

However, Bennazer warns that a The danger of regulation and lack of education From investors: “In Latin America, we already know that it’s conducive to Scammers can do their job With projects like this.

From the Real Estate Chamber they assure that, for example, not knowing how to use a wallet (digital wallet) means a certain risk and endangers the savings in cryptocurrencies. This will include short-term goals in Argentina “Education with Growth”,

The Federal Institute for Real Estate is currently promoting Real Estate Training Institute Financial Training Course So that potential investors can democratize the “real” world as well as through a new decentralized world with new technologies.

“Today you have a lot of small savers who would like to have access to land or property. Several times These people cannot access a real estate purchase or payment plan Just because they don’t have a lead,” says Bennazer.

A collection of bricks is about to be released for all to enjoy

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The day was said to be “as bright and beautiful as a Sabbath morning as ever dawned”, and the Clyde-built SV Eskbank, her sails billowing in the breeze, put on a fine sight as she headed to the port of Honolulu.

It was early November 1878 and the iron-hulled barque had been launched a few months earlier.

Now, on her second voyage laden with a $200,000 cargo of dry goods, liquor and machinery destined for Hawaii’s sugar cane plantations, she was about to come to a rather premature halt.

The treacherous reefs just a few miles from the port of the island of Oʻahu were well known to sailors for their tendency to claim ships that strayed carelessly in their path.

Yet, under calm blue skies and for no apparent reason, the captain of SV Eskbank continued his ill-fated run towards the reef.

After being stranded with 11 feet of water lapping in its hold and after a few days of being battered by the swell, the boat was torn in two. Her precious cargo – from crates of beer and liquor to steam boilers and sugar mill machinery – spilled from her hull.

Most, much to the relief of the cane plantation owners, were saved: the cane crops were almost ready to be crushed and the cargo from the Eskbank was destined to play a crucial role in ensuring that would not be wasted.

Left on the seabed for nearly 140 years until recovered by shipwrecked divers, there were, however, two other small remnants of the barque’s cargo.

Rather battered bricks salvaged from the wreck site now feature prominently on the chimney of Mark Cranston’s home in Jedburgh, one stamped ‘Gartcosh’ and the other ‘Glenboig’.

Nearby is another brick – stamped ‘Forth’. It was salvaged from the ill-fated Whiskey Galore ship, the SS Politician.

While outside in two former stable blocks are over 4,000 bricks. Almost all of them were made in Scotland: building blocks used for homes, public buildings, infrastructure and, says Mark, who has spent the past 12 years collecting and documenting them, countless firebricks, forgotten heroes of the industrial revolution.

Next weekend (September 2-3) the public will be able to get a first look at the remarkable range of bricks, it turns out, not so humble as the Scottish Brick Collection joins hundreds of sites across the country participating in the annual Open House events.

Taking place over weekends in September, it will see properties such as courthouses, wind farms, Masonic halls and crematoriums open to the public.

Although a brick ‘museum’ may look like a pile of rubble, Mark, a former police sergeant who was inspired to start his collection after being intrigued by the stamp he spotted on a brick, insists on the fact that each held by the Scottish Brick Collection offers a glimpse into a lost slice of the national industrial heritage.

“Each brick tells the story of where it was made,” he says. “Some stories are more important than others, but they all help tell the story of Scottish industry.”

Brick making was introduced to Scotland during the Roman occupation in the first century AD, but it was not until the 17th century and the use of new materials that brick making developed.

By the 18th century, the use of bricks had grown considerably as large estates established small brickyards to supply bricks for icehouses, garden walls, and housing for estate workers.

However, the Industrial Revolution saw the development of heat-resistant bricks – setting the stage for a massive export trade which saw bricks made in Scotland travel to all corners of the world.

“Red clay bricks or sandstone bricks would break and need repair,” he says. “But fireclay bricks were either heat resistant or didn’t break down easily when subjected to high temperatures,” says Mark.

“The British led the Industrial Revolution, and the Industrial Revolution would not have progressed without the humble firebrick.

“It was used in every application under the sun – any process requiring heat, the firebricks provided protection.

“As a result, they were exported in huge quantities all over the world.”

Brickyards have sprung up alongside mining communities across the country, he adds, often with attached labs that would adjust the alumina and silica content in fireclay to create designer bricks for a wide range of uses.

As production increased to meet demand from foundries such as Carron Ironworks in Falkirk, brickyards began to stamp their bricks with their name and other “codes” to help identify them – an early form marking.

As a result, there are thousands of different stamps on bricks, each indicating a particular use, time period and location.

One of the largest brickyards in the world was at Whitecross near Linlithgow, which at one time supplied bricks to 150 countries around the world and was part of a small brick empire headed by John Stein.

Born in 1862 into a family whose brick business was already internationally successful, he acquired the rights to mine fireclay at High Bonnybridge, from some of the richest clay deposits in Europe. Stein would, however, come to a tragic end. “He tripped over a brick and scraped his shin,” Mark said. “He ended up with sepsis and had to have his leg amputated, then he died.

“You could say he lived and died by the brick.”

Mark’s meticulous research involved scanning maps, old newspapers and museum archives and uncovering stories behind individual bricks, the range of places around the world that used Scottish bricks and the characters involved in their production, now documented on its website, www. scottishbrickhistory.co.uk Every brick has a story to tell, he adds.

Like the two SV Eskbank bricks that would have been loaded with “paid ballast”, to be sold in Hawaii for use in the sugar cane industry.

“The SS Politician brick came from the boiler room,” he says. “One of the bricks I have is from the convict cell in Barlinnie.

“You look at him and think about the guys who would rub up against him as they walked up to the gallows.

“It’s amazing that Scottish bricks appear,” he adds. “They’re in lime kilns in Argentina, smelters in Tazmania, they’re in gold mines in Australia, and they’re found all over Russia.

“There is a huge story waiting to be told.”

Details of properties opening as part of the Doors Open Day can be found at www.doorsopenday.co.uk

Netflix’s Lost Ollie, TVNZ’s Undeclared War Among Big Shows To Stream This Week

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Listen to the Stuff To Watch podcast by hitting the “play” button below, or find it on podcast apps like Apple or Spotify.

BAD SISTERS (APPLE TV+)

Based on the 2012 Belgian series Clan, this 10-episode black comedy has made a successful transition to contemporary Ireland. With a tone and style reminiscent of John Michael McDonagh’s magnificent screenplay, The Guard, Motherland, Shining Vale and Catastrophe, writer Sharon Horgan makes excellent use of her Emerald Isle backdrop and the truly impressive assembled set. to weave its story about four siblings who may – or may not – have conspired to kill a fifth’s husband.

Perhaps all best known as dramatic actors – Anne-Marie Duff was in Shameless, Sarah Greene starred in Penny Dreadful and Normal People, Eva Birthistle is known for her period drama work and Eve Hewson’s CV includes our very own The Luminaries – they’re all here demonstrating terrific comedic timing, both separately and as a sometimes hilarious, disparate feuding group.

And while Claes Bang delivers another of his charismatically obnoxious bucks (John Paul is like a British version of Sasha Mann obsessed with The Affair), he’s eclipsed by the acerbic insurance broker Brian Gleeson (Domhnall’s brother, son of Brandan). Whether it’s playfully teasing his pregnant wife about “causing structural damage to the house” if she moves out, or trashing wake sandwiches on the way out, he’s a scene-stealer extraordinaire, in a darkly humorous show that delivers just as much intrigue, just as it does witty one-liners.

FIVE DAYS AT MEMORIAL (APPLE TV+)

It was the storm some had long feared. A Category 5 hurricane that would kill more than 1,800 people and cause approximately $125 billion in damage.

Nearly two weeks after Hurricane Katrina’s devastating landfall on August 29, 2005, it was still easier to navigate many New Orleans neighborhoods by outboard motor canoe than by car.

As John Ridley and Carlton Cuse’s haunting and sometimes heartbreaking adaptation of Sheri Fink’s Pulitzer Prize-winning nonfiction book opens, health officials arrive at the now abandoned Memorial Medical Center.

However, among the debris and expected water damage, there is a shocking discovery – 45 bodies, spread between the chapel and the second floor walkway. As investigators subsequently question veteran internal medicine specialist Dr. Horace Baltz (Robert Pine) about how this could have happened, he recounts the nightmarish 120 hours of staff, patients and thousands of people who house them endured as one of the worst storms in US history took its toll on the 80-year-old building.

A cross between various departments, crises big and small, and the mounting chaos surrounding them, Five Days at Memorial may remind you of the greatest American medical drama of all time – ER. Ridley and Cuse quickly establish the disparate personalities of their main characters, making sure to humanize them, while keeping the focus on the unfolding disaster.

VARIOUS

Eight great shows to stream this week.

READ MORE:
* Five fabulous and underrated Melanie Lynskey performances (and where you can watch them)
* No, Bullet Train and Disney+’s Prey among August’s must-see movies
* Disney’s She-Hulk, Neon’s House of the Dragon, Netflix’s Sandman among August must-sees

NETFLIX

Lost Ollie is now available to stream on Netflix.

OLLIE LOST (NETFLIX)

Just when you thought Netflix forgot how to give audiences the thrills.

Created by Shannon Tindle, the maker of one of the most underrated animated feature films of the last decade, 2016’s Kubo and the Two Strings, only the hardest of hearts won’t be moved by the warm premise. and blurred in the center of Ollie Lost.

Based on the 2016 children’s book Ollie’s Odyssey by William Joyce, this seemingly seamless four-part mix of live-action and computer animation takes place in a shadow of under three hours in total – more than enough time for it to make a deep impression on you and give your nasolacrimal ducts a thorough workout.

In truth, the scene and the tone are set from the opening quote by WS Merwin, which reproduces his 1993 poem Separation in full: “Your absence has passed through me like a thread through a needle. Everything I do is sewn with her color. This is quickly followed by the melodious and soulful tones of Jonathan Groff (Frozen’s Kristoff) as the eponymous long-eared, patchwork, plush bunny.

PAPER GIRLS (PRIME VIDEO)

With its two protagonists, 1980s setting, American Midwestern backdrop, and sci-fi stylings, it’s hard not to see this as Amazon’s answer to Stranger Things.

And indeed, the eight-part adaptation of Brian K Vaughan and Cliff Chiang’s Paper Girls comic book series definitely leans into any comparison, filling its initial setting of 1988 Cleveland, Ohio with a plethora of pop culture references. , by Freddy Krueger and Teen From wolf costumes to walkmans and the ever-present threat of nuclear war.

An appealing mix of The Goonies, Stand By Me, and the Terminator and Back to the Future series, Paper Girls delights with its diverse characters and twist on traditional tropes of ’80s teen and tween movies. on more than one note, displaying plenty of sass and chutzpah, while laying bare their respective hopes, fears, and encounters with racism, anti-Semitism, and other forms of abuse.

While perhaps not as slick — or scary — as the Duffer Brothers’ world-conquering Netflix series, Paper Girls is perhaps a more inclusive and thought-provoking coming-of-age tale — and all the more impactful for that.

With its pre-teen protagonists, 1980s setting, American Midwestern backdrop, and sci-fi stylings, it's hard not to consider Paper Girls as Prime Video's answer to Stranger Things.

Provided

With its pre-teen protagonists, 1980s setting, American Midwestern backdrop, and sci-fi stylings, it’s hard not to consider Paper Girls as Prime Video’s answer to Stranger Things.

THE SAND MAN (NETFLIX)

It’s the comic book adaptation that many thought would never see the light of day.

The one whose author once remarked that he would rather “no film” be made of it, rather than a “bad film”. A project that, when first hinted at, was being considered around the same time that Warren Beatty was playing Dick Tracy, Jennifer Connelly was dating The Rocketeer, and production on Bat’s first big-budget sequel had slipped.

But despite a wait of more than three decades and a change of format for a 10-episode first TV series, Netflix’s version of Neil Gaiman’s beloved Sandman is an evocative, atmospheric and lavish triumph.

Based on the first two volumes – Preludes and Nocturnes and The Dollhouse – Gaiman and fellow writers David S. Goyer of The Dark Knight and Allan Heinberg of Wonder Woman initially do a fairly brilliantly succinct job of world-building. Filled with impressive visual effects, top-notch production design, and a dark aesthetic that just might give you nightmares, Sandman delivers top-notch fantasy for both avid fans and more casual streamers alike. .

SHE HULK: LAWYER (DISNEY+)

Disney+’s latest Marvel deserves to be a smash hit.

Ambitious, occasionally hilarious, and hugely entertaining, this delivers its story with a sustained swagger, chutzpah, and focus that’s been lacking in at least the past two cinematic outings.

While on the one hand this nine-part origin story is an avowed “funny legal show” (thankfully more Boston Legal than Ally McBeal), it also takes on the difficult task of attempting to redeem one of most unloved in the Marvel Cinematic Universe. – 2008’s The Incredible Hulk – bringing back Tim Roth antagonist Emile Blonsky aka Abomination.

However, while boosted by the presence of Avengers-era Hulk himself Mark Ruffalo, it’s very much Tatiana Maslany’s (Orphan Black) playground – and she delivers a powerful performance that’s as much a showcase for her comedic timing than his physical presence.

WONDER

Tatiana Maslany stars in She-Hulk: Lawyer

THE UNDECLARED WAR (TVNZ+)

A smooth and solid drama, which, like the magnificent years and years of Russell T. Davies, beautifully extrapolates the growing concerns of modern times into a near nightmare, while grounding the story in a family crisis, this six-part crime drama works best when focused on the rapidly unfolding political crisis.

It’s the year 2024, and as the general election nears, a top-notch team of analysts is secretly battling a Russian cyberattack on the country’s electoral system.

Simon Pegg (Hot Fuzz) and Adrian Lester (Hustle) provide solid anchors, while Alex Jennings (The Lady in the Van) and Mark Rylance (The Phantom of the Open) add weight and gravity to the mix impressive.

VICTORIA’S SECRET: ANGELS AND DEMONS (PRIME VIDEO)

As this fascinating, illuminating and sometimes shocking three-part documentary series points out, behind the “boobs and glitter” of the mega-popular annual parade was a darker side, as the infamous Jeffrey Epstein used his connections to the CEO The Wexners for his own nefarious purposes. Posing as a recruiter, his behavior was the subject of numerous complaints as early as 1993, with Wexner being accused of either ignoring them, sweeping them under the rug, or both.

However, while much like the 10-part Secrets of Playboy series earlier this year, Matt Tyrnauer’s investigation rightly exposes the seedier side of this business empire, it also offers a fascinating look at the rise and the downfall of an iconic fashion brand. How an Ohio businessman turned a faltering husband and wife passion project into a $7.5 billion business, and how a seemingly female-focused business didn’t failed to adapt and become so out of step with the times and the demands of women to look outside of the “narrow band of beauty” they were apparently selling?

Through new interviews with employees, fashion experts, designers and models, as well as extensive archive footage including insider videos and a 2017 encounter with Wexner himself, you’ll learn about the fascinating story of the man and the brand.

Should you use a home equity loan to consolidate your debt?

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A home equity loan is a convenient way to unlock the value of your home and access cash at a low interest rate. When you take out a home equity loan, it means that you are borrowing against the the equity you have accumulated in your home (after all, the more mortgage payments you make, the more equity you have). The value of your home secures the loan, so a bank or lender feels comfortable giving you a high line of credit.

Lenders generally want to make sure you have at least 15% to 20% equity built up in your home before approving you for a home equity loan. Once approved, you can either receive the money as a lump sum which you repay with regular payments at a fixed interest rate, or if you use a home equity line of creditor HELOC, you can keep a revolving line of credit open for years and withdraw as you see fit, but your the interest rate will go up and down overtime.

Right now, home equity rates are hovering just under 7%, meaning they’re a lower-rate option to other types of financing like credit cards or personal loans. (which currently average 10.7% according to Bankrate, CNET’s sister site).

Read on to learn more about the Advantages and disadvantages of using a home loan (commonly known as a second mortgage) to consolidate debt, as well as alternative options to reduce debt and get your finances back on track.

Should you use the equity in your home to consolidate your debt?

Some of the reasons for borrowing against your home equity to consolidate debt include paying off higher interest consumer debt, such as credit cards or student loans. Essentially, you can use the funds for whatever you want – which is why it’s essential to ensure that you can manage your money responsibly, such a high line of credit over a long period of time. If you are tempted to use your home loan for expenses, such as vacations or non-essential life events instead of paying off – and reducing – your debt, this may not be the right solution for you.

Benefits of Using Home Equity to Consolidate Debt

Home equity loans and HELOCs let you take advantage of home ownership by unlocking the equity in your property in cash. They can also give you access to money quickly, in as little as one to two months.

Lower interest rate

Home equity loans tend to have low interest rates, saving you money over the life of your loan. For example, if you have a credit card APR of 21%, you can pay it off with a 7% HELOC, saving you thousands of dollars in interest over the life of your loan.

A lower monthly payment

Combining all of your debt into one monthly payment makes paying off your debt simpler and easier and should reduce the amount you pay each month.

Tax deduction for home renovations

If you use your home equity loan for home renovations or repairs, you can deduct it from your taxes.

Disadvantages of Using Home Equity to Consolidate Debt

Make sure you are prepared to take on the responsibility of managing a large sum of money over a period of years. If you use your equity loan or HELOC to pay off credit card debt, but don’t change your financial behavior and habits, you’ll find yourself in debt again and your home will be on the line – not just your credit score. That’s why it’s important to be thoughtful and judicious about when and why you borrow based on the value of your home.

You can lose your home

The most obvious downside of a home equity loan is that your bank or lender can repossess your property if you fail to make the payments or fail to repay your loan for any reason.

A home equity loan can increase your debt

If you don’t manage your loan and other debts properly in the future, you can also end up with more debt. As in, if you pay off your credit card debt but don’t change your spending habits, you’ll end up paying for credit card payments on top of your home equity loan payments, which negates the reason for which you took out the loan. in the first place.

Loan limits

If you have a low or less than stellar credit scoreor if you already have a lot of debt, you may not have access to a very large loan amount, and the interest rate a lender will charge you will likely be higher as well.

Alternative solutions to consolidate your debts

Before committing to a home equity loan or HELOC and putting your home on the line, consider the other types of financing available to you. Rather than taking out a second mortgage, you can consider options such as a 0% interest credit card or a personal loan, which does not involve the risk of losing your home – although they may come with higher interest rates since they are unsecured loans.

Credit cards with balance transfer

Such balance transfer credit cards typically offer 0% interest for an introductory period, which can range from six to 21 months. After that, your interest rate will increase and you will pay a higher APR.

Personal loans

You can apply for a personal loan at a bank or other financial institution. You can pay a higher interest rate, but you won’t have to put your house up as collateral to secure a loan.

Global debt management

Another option is to get into credit counseling. You can work with a non-profit agency that charges little or no fees, and your credit score won’t be negatively affected. Counseling Services can negotiate lower balances and interest rates with your creditors on your behalf, as well as create a plan to keep you out of debt. Pay attention to debt consolidation scams and be sure to work with a reputable organization if you go this route.

How to Apply for a Home Equity Loan to Consolidate Debt

To qualify for a home equity loan, you must be approved by a bank or lender. Lenders generally want to see that you have at least 15% to 20% built into your home. If you have sufficient equity, then lenders want proof that you are solvent and able to repay the loan. Usually, lenders require a minimum credit score of 620 (the higher your score, the better your chances of being approved for a loan and at a lower interest rate), a debt-to-equity ratio of 43% or less, and proof of your income , among other types of financial documents . You may also be required to pay for a new home appraisal for an accurate and up-to-date valuation of the current market value of your home.

The bottom line

A home equity loan can help you consolidate and pay off your debts at a lower interest rate, but you need to weigh the pros and cons of using your home as collateral to get a loan. As long as you make payments on time and continue to pay down your debt, home equity loans can be cost-effective ways to unlock the value of your home.

Pope marks future of Catholic Church with new cardinals

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By Jean Ikani

Pope Francis on Saturday enthroned 20 cardinals from around the world, choosing men who mostly agree with his vision for a more progressive and inclusive Church and influencing their choice of his eventual successor.

Of the clergymen named new cardinals at the consistory ceremony at St. Peter’s Basilica, 16 are under 80 and therefore eligible to participate in a conclave – the ritual, locked assembly of voting cardinals. to elect a new pontiff.

Francis, 85, has now appointed 83 of the 132 cardinals currently young enough to join a conclave. The others were appointed by the two previous popes, Saint John Paul II and Benedict XVI, whose unexpected retirement in 2013 paved the way for Francis’ election.

With the eight groups of cardinals Francis has named, the prospects are strengthened that whoever becomes the next pontiff will share his vision for the future of the Church.

The 20 new cardinals come from Britain, South Korea, Spain, France, Nigeria, Brazil, India, United States, East Timor, Italy, Ghana, Singapore , Paraguay and Colombia.

Francis reminded the cardinals of their mission, which he said includes “an openness to all peoples, to the horizons of the world, to the still unknown peripheries.”

“A Cardinal loves the Church, always with that same spiritual fire, whether it is big questions or daily problems, with the powerful of this world or those ordinary people who are great in the eyes of God,” said Francois.

Sitting in front of the main altar of St. Peter’s Basilica, Francis asked them to remember “poor families, migrants and the homeless”.

He read his homily in a loud voice, often going off script, even going so far as to joke about a priest in Rome who was so close to his parishioners that he not only knew all their names, but also the names of their dogs. .

Francis, elected pope in 2013, has now chosen 83 of the 132 cardinal electors, or around 63%.

At each consistory, Francis has pursued what one diplomat called an “Asian tilt,” increasing the likelihood that the next pope will come from the region that is a growing economic and political power.

Reuters, Agencies

All Blacks ‘rejuvenated’: The path to Ian Foster’s dramatic transformation is now clear

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All Blacks manager Ian Foster during the South Africa Springboks test rugby match against the New Zealand All Blacks at Ellis Park. Photo/Photosport.co.nz

The backdrop that hosts the All Blacks this weekend couldn’t be further from the lion’s den they escaped in South Africa.

Against the backdrop of the cold but much more welcoming southern surroundings

“I know it affected the community massively just before the 2011 World Cup and the loss of all those test matches. It’s kind of surreal, when you start looking around there’s not a lot of people who were playing professional rugby when these things happened, so it’s nice to be able to convey those messages that we’ve had over the years.”

Debt consolidation in times of uncertainty

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“Under the right circumstances, shifting increasingly expensive short-term debt to longer-term, lower-rate duration can help reduce monthly expenses, at a time when every little bit counts.”

The research was conducted among 2,068 UK adults in June 2022, 58% of whom were homeowners, of whom 25% also had an unsecured loan.

It revealed that the vast majority (78%) of UK homeowners found themselves spending more on living costs than six months ago. Three in 10 (30%) of those with revolving credit, including credit cards, store cards and overdrafts, said they had an average balance of almost £3,000 and had seen their rates rise over the course of the same period.

Overall, our research found that around 12.7m UK homeowners could face an average increase of over £750 in annual interest rate payments on revolving credit, with 3.8m seeing a increase of over £60 per month.

With the two pinch points of the rising cost of living and more expensive credit, and an average balance of £8,738.90 per owner for revolving credit and unsecured loans, such as car loans, the moment may have come for savvy spenders to consider debt consolidation. .

Not a last resort

For many, the term “debt consolidation” can carry negative connotations, suggesting an unmanageable or poorly managed amount of debt, and a person in dire straits. Indeed, our research found that only 30% of people with outstanding debt would consider consolidating it into a single loan, while 45% said they wouldn’t see it as an option at all.

However, far from being a matter of desperation, with much of the UK dependent on unsecured credit, rising rates and the economic outlook looking constantly bleak, it is simply a matter of good money management .

While no financial solution is perfect for every client, under the right circumstances, shifting increasingly expensive short-term debt to longer-term, lower-rate duration can help reduce expenses. monthly, at a time when every little gesture counts. There’s also the added benefit of streamlining all additional fees and charges and having one easy-to-manage payment per month, reducing the risk of complications or missed payments.

A homeowner can use their home’s security in a number of ways in this situation, including re-mortgaging to raise capital to pay off debts, but the best option may be second mortgages, as this allows borrowers to stay on a potentially more favorable market. first rate of charge while enjoying the equity accumulated in their home.

At Pepper Money, the average median salary among our second charge clients who take out a debt consolidation loan is £53,900. These are high-income earners who take proactive steps to ensure their continued financial stability, in addition to potentially boosting their credit ratings, while leaving a safe buffer of equity in their home.

While there is risk with any form of borrowing, Pepper Money prides itself on taking a careful and thoughtful approach, backed by humans and technology working together to deliver positive results for clients.

In this time of uncertainty, this is an opportunity to make the most of the continued stability in the housing market, leveraging the power of home equity to gain some breathing room. With rising inflationary pressures, now is the time to find out if secondary debt consolidation is right for your clients.

What to do in Sacramento, Northern California this weekend?

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From daytime adventures to nightlife, here’s what Northern California has planned for your weekend.

SACRAMENTO, Calif. — Does a jazz festival, a stamp exhibit, or even a rib cookout sound like fun? If so, that goes to show there’s something for everyone this weekend in Northern California.

The weekend weather cooled down a bit, with temperatures in the mid-80s and a light breeze from the southwest. Whether you want to go out, stay home, or a bit of both, here are some weekend events!

Gather some friends, maybe family, or even go solo but get out there, soak up the sun, and enjoy the weekend.

Elk Grove Multicultural Festival

The Town of Elk Grove will showcase the diversity of cultures in its community through entertainment, dance, music, food, art and more. August is Diversity Month, and there will be two performance stages, an art exhibition, an international food court, a fashion show, over 60 vendors, crafts and exhibits and much more. !

  • 10 a.m. to 5 p.m. Saturday, August 27
  • Located at District56 (8230 Civic Center Drive, Elk Grove)
  • Hosted by the Town of Elk Grove
  • More information about this event HERE.

The Elk Grove Multicultural Festival is back! Join the town of Elk Grove as it showcases the diversity of cultures…

Posted by ABC10 on Tuesday, August 23, 2022

A day filled with real jazz! This year’s lineup includes soul/new jack swing singer Tony Terry and musicians Jeanette Harris, Steve Gray, Lin Rountree, The Braxton Brothers, Joel Del Rosario, Tony Exum Jr and more!

  • 12 p.m. – 8 p.m. Saturday August 27
  • Located at the Weber Point Events Center (221 North Center St., Stockton)
  • Organized by SMA Entertainment
  • More information about this event HERE.

Posted by Visit Stockton on Wednesday, August 24, 2022

Backyard Boogie Fundraiser for the Washington Center

A family afternoon of community, lowriders, food, music and culture, this fundraiser aims to raise money to create the Washington Neighborhood Center Urban Art & Garden Landscape Project. It’s also in hopes of getting young artists to build and create a beautiful space for the community to enjoy and thrive.

  • 3:00 p.m. – 7:00 p.m. Saturday August 27
  • Located at the Washington Neighborhood Center (400 16th St., Sacramento)
  • Hosted by the Washington Neighborhood Center
  • More information about this event HERE.

Just a reminder ! Take out your compass and dance with us!

Posted by The Washington Neighborhood Center on Tuesday, August 23, 2022

Summer Children’s Festival

A day of fun for the kids! There will be free games and activities, ceramics, origami, ikebana, Japanese language and calligraphy, and more, including snacks and drinks like Binchoyaki Bentos and Kona shaved ice!

Posted by Sacramento Japanese United Methodist Church on Friday, August 12, 2022

Cruisin’ Into the Next Chapter Classic Car & Truck Show

There will be a range of classic cars, vintage trucks and fire engines as well as vintage tractors and petrol engines. Shop, participate in raffles to win prizes, listen to great music, grab free books and activities for kids, and eat delicious food!

Posted by Friends of the Yolo Branch Library on Saturday, August 13, 2022

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Seattle Children’s Film Festival: Festival Best!

The 17th Annual Seattle Children’s Film Festival is coming to Sacramento for this special event. With 10 different short animations, come and see qualified talents in your own city!

HERE’S WHAT’S HAPPENING AT CREST THIS WEEK! 🍿 Thursday 25/08: The Rock (1996) 🍿 Friday 26/08: Fast Times at…

Posted by Crest Sacramento on Monday, August 22, 2022

With a new score of Grammy-winning jazz, gospel, ragtime and blues, “The Color Purple” is an unforgettable and intensely moving musical based on Alice Walker’s Pulitzer Prize-winning novel and Academy Award-nominated film. Oscars. A story about a young woman’s epic journey through joy, despair, anguish and hope to discover the power of love and how it leaves its mark on the soul.

  • 2 p.m. and 7 p.m. Saturday August 27 and 3 p.m. Sunday August 28
  • Located at the UC Davis Health Pavilion (1419 H St., Sacramento)
  • Organized by Broadway At Music Circus
  • More information about this event HERE.

Review: Say “Hell Yes!” at THE COLOR PURPLE on Broadway At Music Circus http://dlvr.it/SXBbbr

Posted by BroadwayWorld Sacramento on Wednesday, August 24, 2022

The Great American Stamp Show

The nation’s largest national postage stamp exhibit is coming to Sacramento! Whether you are a collector or simply enjoy looking at stamps, there will be over 100 dealers offering to buy and sell stamps, over 50 specialist stamp companies and collectors, 10,000 pages of stamp exhibits, philately seminars and a youth area filled with fun activities!

One week left! I look forward to seeing you in Sacramento at the Great American Stamp Show! Everything you need to know about the show is here: https://stamps.org/great-american-stamp-show. . . #philatelist #postagestamps #stampcollecting #philatelic #philategram #philatelystamps #philatelycollection #stampcollection #snailmailrevolution #collectstamps

Posted by American Philatelic Society on Thursday, August 18, 2022

Calling all vegans and vegan food lovers! This is a free local event with various plant-based treats, live music, organic drinks, vegan candies and local artisans.

  • 8:30 p.m. – 11 p.m. Saturday August 27
  • Located at HATCH Workshop (40 South Union St., Stockton)
  • Hosted by Vegan Soulstice
  • More information about this event HERE.

Saturday! August 27 • 6:00pm – 9:00pm Join us at the workshop for another @vegansoulstice pop-up market!! This event is in…

Posted by HATCH Workshop on Tuesday, August 23, 2022

5th Annual All American Rib Cookoff Contest

This event will feature over 20 teams competing for the title and trophy of All American Rib Cook off Champion! Come and enjoy craft beers, a full bar, multiple bands/live music, vendors, a super fun kids’ area and more.

  • 8:30 p.m. – 11 p.m. Saturday August 27
  • Located at Recreation Park (123 Recreation Dr., Auburn)
  • Organized by Crime Victims United
  • More information about this event HERE.

THIS WEEK! Join us this Saturday at the All American Rib Cookoff, one of our biggest fundraisers of the year. With delicious food, live bands, family fun and more! Visit www.AllAmericanRibCookoff.com for ticketing information.

Posted by Crime Victims United on Monday, August 22, 2022

LOOKING FOR WHERE TO GO? HIT BARTELL’S BACKROADS:
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WATCH MORE ON ABC10: The Elk Grove Multicultural Festival: Meet People Performing Traditional Dances

A visit to Grand Turk Post Office for locals

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By Charles Snee

The September 12 issue of Linn Stamp News just landed on the presses and is mailing to subscribers on Monday, August 29. And if you subscribe to by Linn digital edition, you’re ahead of the game with early access on Saturday, August 27. While you wait for your issue to arrive in your mailbox, enjoy these three quick previews of exclusive content available only to subscribers.

A visit to Grand Turk Post Office for locals

Chris Lazaroff continues his philatelic explorations with a cruise stopover in Grand Turk in the Turks and Caicos Islands. During his brief stay, he managed to find (through a taxi ride) the post office that the locals use. One of the two friendly service employees let Lazaroff peruse a stock book of commemorative issues. “To my surprise, the front page contained Princess Diana’s memorial sheets,” Lazaroff writes. “I thought these stamps were only printed for collectors and had never seen the light of day in a post office in the Turks and Caicos Islands. However, here they were ready to be purchased and used as postage. one of the other numbers he found commemorates the 50th anniversary of a certain spaceflight. Read the rest of Lazaroff’s entertaining story for the details.

A mysterious Garibaldi stamp ghost

Wayne L. Youngblood, in this week’s The Odd Lot, unravels the rather murky story behind two different printings of an alleged essay for a stamp featuring Italian war hero Guiseppe Garibaldi. At first, the so-called essays were thought to have been produced in 1848. However, Youngblood illustrates a photo of Garibaldi taken in 1860 which is the likely source of Garibaldi’s ghost essay. Either way, this is a rare number (as is its look-alike), but there are many questions that may never be answered regarding its origins and why there were two prints. apparent,” says Youngblood. He goes on to summarize the differences between the two prints. Garibaldi’s portraits, in particular, are noticeably different from each other. There’s more to learn, so dig into the whole column.

Unusual and rare dead letter return envelopes

“Over the years, I’ve been fortunate enough to acquire special return envelopes, including special Dead Letter Division envelopes, which are quite unusual and rare,” Tony Wawrukiewicz begins in Modern US Mail. He then provides a brief overview of the transition from the Office of Dead Letters to the Division of Dead Letters before explaining the significance of the establishment of three Offices of Dead Letters in San Juan, Puerto Rico; Manila, Philippines; and Honolulu, Hawaii. “The formation of these three dead-letter offices likely took place so that dead letters at such a distance from the continental United States could be dealt with quickly,” says Wawrukiewicz. “The desire for such rapid processing explains why the numerous dead-letter branches were finally introduced from 1917.” Surviving postal history of dead-letter offices is particularly rare – Wawrukiewicz illustrates the only office return envelope he could find. He was posted in 1931 from Honolulu to San Francisco.

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Debt Consolidation Market to Record Healthy Annual Growth Rate to 2028

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The most recent research report on the Debt Consolidation market provides stakeholders with a comparative advantage by displaying the overall economic growth evolution from 2022 to 2028 through an in-depth inspection of historical and current developments. Moreover, the predictions in the report are determined by research teams using tested methodologies. Besides, critical information obtained from several outlets, it also contains a variety of proposals to promote industrial expansion through the advancement of corporate strategies.

The report elaborates more on the major development trends that will shape the industry's profitability pattern over the estimated timeframe. It also mentions the industry's challenges and opportunities as well as ways to reduce their ramifications. Furthermore, it considers market sub-divisions to establish the overall scope and size of the landscape.

Market segmentation and coverage

Request Sample Copy of this Report @ https://www.newsorigins.com/request-sample/52183

Product range:

  • Credit Card Debt
  • Student Loan Debt
  • Medical Bill
  • Apartment Leases and Others

  • Past data along with estimates regarding growth rate, revenue share, and compensation are presented in the report.

Application spectrum:

  • Company
  • Personal
  • By company
  • Goldman Sachs
  • OneMain Financial
  • Discover personal loans
  • loan club
  • Pay
  • Debt Relief Freedom
  • National debt relief
  • Rescue One Financial
  • ClearOne Advantage
  • New era debt solutions
  • Pacific Debt
  • Accredited Debt Relief
  • CuraDebt Systems
  • Guardian Debt Relief
  • Debt negotiation services
  • First Debt Help
  • Oak View Legal Group
  • By Region and North

  • Historical information and projections of product demand, CAGR, and market share of each application field are mentioned in the study.

Regional bifurcation:

North America

Europe

Asia Pacific

Latin America

Middle East and Africa

  • Along with the growth rate forecasts, the report contains records of the overall revenue and sales obtained by each regional market.

Competitive Landscape Summary

  • Goldman Sachs OneMain Financial Discover Personal Loans Lending Club Payment Freedom National Debt Relief Debt Relief Rescue One Financial ClearOne Advantage New Era Debt Solutions Pacific Debt Accredited Debt Systems CuraDebt Systems Guardian Debt Relief Debt Negotiation Services Premier Debt Help Oak View Law Group By Region North America United States Canada Europe Germany France United Kingdom Italy Russia Nordic Rest of Europe Asia-Pacific China Japan South Korea Southeast Asia India Australia Rest of Asia Latin America Mexico Brazil Rest of Latin America Middle East and Africa Turkey Saudi Arabia United Arab Emirates Rest of MEA

are the distinguished entities that shape the competitive environment in the debt consolidation industry. Companies are profiled based on their profits, revenue, payment system, market portfolio, and tactical moves. Accordingly, the section highlights the procedures that vendors can use to outperform their competitors over the projected period through successive mergers and acquisitions, product launches, R&D and global coverage.

Industry Value Chain Analysis Overview

The industry value chain model, which focuses on manufacturers, customers, and sales channels, definitely aims to help companies reduce costs at each stage of the product/service life cycle while delivering quality and value to the heart of the people.

FAQs-

  • Which companies represent the competitive scope of the Debt Consolidation market?
  • Which regions are assessed in the Debt Consolidation report?
  • What are the key segments of the Debt Consolidation market?
  • How is the debt consolidation market expected to grow during the period 2022-2028?

Customization request for this report @ https://www.newsorigins.com/request-for-customization/52183

Ian Foster backs winners as All Blacks chase back-to-back wins

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A day after a hot winter’s day in Christchurch saw Ian Foster lunch at a seaside restaurant and manage to hunt down three cheap vinyl records, the All Blacks manager named a team which perhaps reflects his sunnier temperament.

Admittedly, he is unlikely to have had the opportunity to reprise his role in the Garden City had the All Blacks not returned to beat South Africa at Ellis Park recently. The win is perhaps an indication of why he settled for the status quo for the test against Argentina at Orangetheory Stadium on Saturday.

Beauden Barrett is the lone absentee due to a neck injury sustained during a ruck cleanup late in practice Tuesday.

Barrett’s stiff neck – previously injured in his horrific crash against the Boks at the Mbombela stadium – is not considered serious, with Foster claiming the Blues star is a possibility for the second test against the Pumas in Hamilton a week Saturday.

“At the moment, I haven’t heard anything that he won’t be available next week,” Foster said Thursday.

“We’ll see what happens.”

Debutant Stephen Perofeta is on the reserves bench as a replacement for Barrett, with Foster hinting that Perofeta would have had a chance at the Waikato Stadium anyway.

It means Richie Mo’unga will have the opportunity to lead the attack again a fortnight after doing so well against the Boks in his first start since November last year.

Given Mo’unga’s form and the time and space he created for the sometimes dreaded punching weapons outside of him at Ellis Park, as well as Foster rewarding the team involved in the one of the most impressive tests of his reign, it’s hard to imagine him letting Mo’unga down. to the bench if Barrett had been available.

Read more – Friend to foe: Matera ready for former Christchurch teammates

Either way, it’s another chance for the Crusaders playmaker to impress and cement himself in a pivotal position that doesn’t seem quite settled yet. It’s also worth remembering that another win would be significant as the All Blacks are yet to win two Tests in a row this year.

“Very good,” Foster said of Mo’unga’s performance in the 35-23 victory. “I thought his control was good. There were a few areas where he wanted to improve his accuracy but overall he was confident and he gave us some of those moments of territory that we just talked about.”

He said Perofeta’s selection was a reward for his continued development after he was initially nominated for the Irish series.

Read more: ‘The weight on the shoulders’ still there despite reprieve, says Ian Foster

“He’s confident – he’s happy to speak in front of the group. But the main thing is he leads by learning on the park. He’s learning 10 and 15 so it’s a dual role to learn but he’s done it particularly well .”

Perofeta has impressed the Blues this year – particularly with his broken upfield run – and can be a late-game threat against a tiresome Pumas defence.

Foster said he expected Argentina to attack with more ambition and confidence than in the past. If so, he can play into the hands of an All Blacks side that always looks more dangerous on the block than attacking in the first phase.

Joe Schmidt, left, and Ian Foster discuss tactics over coffee in Christchurch this week.

This test will be the first in which assistant coach Joe Schmidt will be involved since his recent promotion after the toll of the South African trip. This review of a series of broken poor performances in Johannesburg led to Foster’s reprieve.

When Schmidt’s name is mentioned to players, all to one man mention his attention to detail. Schmidt was on the pitch in Auckland ahead of Ireland’s first Test due to Foster and others being knocked out by Covid. He then fell back into his role as coach before what appears in retrospect as an inevitable rise to power.

“Good, really good,” Foster said of his promoted assistant. “It was great to have him involved. It was a slow start and build strategy…it was great to see it fit in.

“He’s lining up to challenge me because all the coaches and managers are always questioning and challenging what we do.”

Foster added that new forwards coach Jason Ryan, who began his role in South Africa, has taken on a managerial role alongside Foster and Schmidt.

“That was always the intention, but it was one step at a time…” Foster said. “It’s really important that Joe and I have a strong striker picking voice in our squad, so it was a natural progression, really.”

It’s the first test in Christchurch since 2016, and Foster seems keen to make the most of it, hence his jaunt through the city a day early. Including Mo’unga, there are eight Crusaders in Matchday 23, a selection continuity that will be appreciated in these games.

Granted, Foster said he felt the love on his midweek day off.

“I had seafood chowder at the Governors Bay pub yesterday and they were very excited to see me, then I bought three second-hand vinyl records at Penny Lane on Colombo Street and [the owner] said I was the first All Black coach to visit. So two out of two.”

All Blacks v Argentina, Saturday 27 August, Christchurch, 7.45pm

All Blacks: 15. Jordie Barrett, 14. Will Jordan, 13. Rieko Ioane, 12. David Havili, 11. Caleb Clarke, 10. Richie Mo’unga, 9. Aaron Smith, 8. Ardie Savea, 7. Sam Cane [C]6. Shannon Frizell, 5. Scott Barrett, 4. Sam Whitelock, 3. Tyrel Lomax, 2. Samisoni Taukei’aho, 1. Ethan de Groot

Reservations: 16. Codie Taylor, 17. George Bower, 18. Fletcher Newell, 19. Tupou Vaa’i, 20. Akira Ioane, 21. Finlay Christie, 22. Stephen Perofeta*, 23. Quinn Tupaea

Argentina: 15. Juan Cruz Mallía, 14. Emiliano Boffelli, 13. Matias Moroni, 12. Matias Orlando, 11. Lucio Cinti, 10. Santiago Carreras, 9. Gonzalo Bertranou, 8. Pablo Matera, 7. Marcos Kremer, 6. Juan Martín González Samso, 5. Tomás Lavanini, 4. Matías Alemanno, 3. Joel Sclavi, 2. Julian Montoya [C]1. Thomas Gallo

Reservations: 16. Santiago Socino, 17. Mayco Vivas, 18. Eduardo Bello, 19. Guido Petti, 20. Santiago Grondona, 21. Tomas Cubeli, 22. Tomas Albornoz, 23. Santiago Cordero

10 Amazing Dan Hamilton Activities You Must Do This Fall

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Summer is coming to an end, school is starting, and if you’re like me, your family is finally getting a schedule!

Some of my children are happy to be back in the rhythm, and others still wish for summer days. For those looking for a fun activity or two to help your family get back into the school year, enjoy this list of some of my family’s favorites. This list includes Greenville’s newest and most popular attractions, as well as some old classics.

Let’s start!

Creamery Claire

Clare’s Creamery is the Greenville neighborhood’s small batch ice cream shop dedicated to delivering the highest quality ingredients and the most delicious ice cream ever! The boutique is founder Caitlin Clare’s lifelong dream, and that dream finally came true in 2020 with Clare’s Creamery.

Beat the heat and head to Clare’s Creamery for a locally made sweet treat. You can find Clare’s ice cream in their brick and mortar store (1635 East North Street) or in their pop-up in The Commons shared with The Bake Room.

Chestnut cafe and local market

Chestnut gives a whole new meaning to the word community. This local cafe and market has proven hugely popular since it officially opened in January – so much so that the owners opened a new location this month!

Chestnut coffee

Enjoy expertly poured artisan coffee drinks created with homemade syrups and Methodical Roastery coffee. Children can enjoy chestnut ice cream and scout donuts as well as a variety of delicious lunch dishes and snacks.

Chestnut Coffee House is located in the Hollingsworth community on Rocky Slope Road, and their new location is on East Curtis Street in Simpsonville. Grab an iced coffee and enjoy Hollingsworth Park just steps away. Families with young children will especially love the two playgrounds located in the park with plenty of room to run around!

Unit Park

You’ve no doubt heard of Greenville’s newest green space and playground, Unity Park. This beautiful 60-acre park features a 4,100 square foot wading pool, 2 huge green spaces, 4 playgrounds, picnic tables and shaded seating areas, and much more. Plus, the park is right on the Swamp Rabbit Trail and offers direct access to hiking and biking trails (if you’re looking for a Swamp Rabbit guide, I have one too)!

Unit Park

If you get tired of playing in the sun, there are all sorts of indoor places to enjoy right next to the park. The Commons offers tons of seating (indoor and outdoor) and several restaurants to enjoy (my family loves the burger at GB&D). A short walk across the Reedy River will bring you to Southerside Brewing, a brewery with an extensive menu, live music, regular community markets and other events.

group therapy

Group therapy is one of Greenville’s newest forms of entertainment. The indoor “playground” includes an 18-hole mini-golf course full of fun movie themes, ice curling, ping pong, ax throwing, and garden games. You will also find a menu of dishes with lots of delicious plates to share.

If the August heat is getting to you, group therapy is the perfect place to enjoy summer (or back to school) with the family indoors! They also organize corporate events; I planned one there for my team at Hamilton & Company!

Want a fun night out with parents? Group therapy is for 21 and over after 7:00 p.m. each evening. Enjoy specialty cocktails, a 30-draught self-serve beer wall, and a transformed party atmosphere!

Group therapy is located in Camperdown Square and only a short walk from Insomnia Cookies, Starbucks, Jeni’s Ice Cream and other local favorites.

Discovery Island

What better way to beat the heat than spending the day at the water park? Discovery Island at Southside Park in Simpsonville offers tons of water activities for everyone in the family!

Enjoy two waterslides, a lazy river, a wave rider and more! Discovery Island also has food available for purchase and plenty of seating and shade for those not participating in water activities.

Flying Rabbit Adventures

Flying Rabbit Adventures is a 3-story aerial park and a favorite summer activity of the Hamilton & Co. team!

flying bunny

No matter your experience, there’s a track here for you! Flying Rabbit offers three different courses of varying difficulty, as well as courses reserved for children. If you’re not a fan of heights, you can enjoy a high-performance cycle path and a challenge course, as well as other great adventures!

Flying Rabbit is located in Holland Park, a mixed-use development space that is home to Greenville’s famous Home Team BBQ, Double Stamp Brewery, and more!

3

Have you ever heard of the 3? Formerly Crosswinds Par 3, “3’s” has transformed the Par 3 into a 12-hole course designed by world-renowned golf course architects. The putting green is perfect for a day (or evening) with the family, and you can also enjoy delicious food and drinks at 3’s Grill.

Golf 3s

This experience is truly unlike anything else in town! In addition to booking a personal tee time, you can take advantage of weekly events like Friday Night and Family Sundays.

ReCraft GVL

Looking to stock up on responsible and affordable school supplies this year? Recraft GVL is South Carolina’s premier “Creative Reuse Center,” collecting reusable materials from upstate makers, institutions, and households and redistributing them to their brick and mortar on Haywood Road.

Besides shopping at ReCraft, you can donate your time or old supplies to their store! Visit ReCraft’s website and Instagram to learn more about these opportunities.

Skateland United States

Skateland USA, located on White Horse Road, is an indoor skating rink the whole family can enjoy! An ice rink for toddlers is also available.

BlockHaven

Work out after school at BlocHaven, Greenville’s community climbing gym and cafe. At BlocHaven there are several climbing areas with routes suitable for all ages and experience levels.

On your first visit, be prepared to sign a waiver for each attendee and attend a brief orientation session. After that, connecting is simple. Children under 13 must be accompanied by an adult, so plan to stay and supervise (even climb with) your little ones. We’ve seen children as young as three having fun in space!


We love to make Greenville feel more like home for its residents by sharing our local recommendations! Interested in investing in Greenville? My team at Hamilton & Co. is the highest rated real estate team upstate, and I’d love to help you buy a home here. Call me at 864-527-7685 and tell me what you are looking for; I would love to help you realize your real estate dreams! —Dan

ACLU sues Arizona law limiting police filming | app

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PHOENIX (AP) — A controversial Arizona law restricting how the public can film police faced its first legal challenge Tuesday with a lawsuit filed by the American Civil Liberties Union.

The group’s Arizona chapter, joined by several Arizona news outlets, filed a petition in the US District Court. They argue that the law violates First Amendment freedoms.

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What to do if you are refused a loan

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If you applied for a personal loan and your application was denied, you are not alone. Amid rising inflation and the possibility of a recession, many Americans are struggling financially and are looking for help.

Personal loan debt has increased 24 percent since 2021, but the number of borrowers is lower than in 2019. As personal loans grow in popularity and people accumulate more and more personal loan debt, many people find it difficult to qualify. If you have been refused a personal loan, there are several things you can do to improve your creditworthiness and your chances of getting a loan.

To obtain a personal loan, you must meet certain conditions. When lenders decide if they want to lend you and what terms they are willing to offer, they need to establish your creditworthiness and the likelihood of being able to repay the loan.

Some of the key factors that lenders consider when reviewing personal loan applications include:

Credit score range Average APR Average loan amount
720+ 9.81% $18,812.69
680-719 16.01% $15,214.76
660-679 23.54% $11,727.69
640-659 28.93% $9,470.86
620-639 35.98% $7,350.97
580-619 54.17% $5,746.62
560-579 85.24% $4,250.88
Less than 560 135.83% $2,817.03

As illustrated in the table above, people with higher credit scores are more likely to qualify for a lender’s best APRs and highest loan amounts. Essentially, the better your credit, the better your chances of getting a loan on ideal terms.

Additional documents

When looking for a personal loan, you must have several documents in hand before applying. First, you need to submit a loan application. Each lender has a unique application and specific requirements may vary. You usually need to provide basic personal and financial information, the amount you want to borrow, and the reason for the loan. You will also need proof of your identity, income and address.

Reasons Why Personal Loans Are Denied

There are several reasons why a person may have their loan application rejected:

  • Bad credit history: A bad credit history can tell creditors that you may have trouble repaying what you owe due to past transactions.. Your credit score is generally a good indicator of your credit history, but lenders also look at your financial history to establish your creditworthiness.
  • High debt to income ratio: Your debt-to-income ratio, expressed as a percentage, is the ratio of the income you earn per month to your total monthly debt payments. Lenders use your DTI to determine how likely you are to repay a loan. If you have a DTI of 50% or more, you may have too much debt for a lender to give you a new loan.
  • Incomplete application: Your loan rejection could be as simple as missing documents. If you are rejected for a loan, check that you have fully completed the application and submitted all the appropriate documents.
  • Lack of proof of stable income: Consistency is key, as it helps lenders understand your business landscape going forward. Since jobs can vary by industry, lenders can look at tax returns to get a better overview.
  • The loan does not correspond to the objective: Lenders may have certain restrictions on what you can and cannot do with the loan money. The lender may be able to offer you alternative suggestions to better suit your needs.
  • Unstable Employment History: Lenders like to see a steady stream of income over time. If you’re between jobs or have a history of unstable employment, this could signal to lenders that you may not be a reliable borrower.

What to do in case of refusal

If you apply for a personal loan and your application is denied, there are several things you can do to improve your chances of qualifying next time.

First, you need to ask the lender why your application was denied. Under the Equal Credit Opportunity Act, lenders must disclose the reason for your loan application’s denial, provided you find out about it within 60 days of the decision. This is known as notice of adverse actionwhich is the key to taking action and increasing your chances of getting your next loan.

The main reasons personal loan applications are denied are bad credit, lack of credit history, unstable income and high debt to income ratios.

Review and build your credit score

The most important thing you can do to increase your chances of getting a personal loan is to establish your credit score. If you want to see your credit score without a credit check, use a soft credit inquiry, which lets you see your score and credit history without damaging your credit score. When you check your report, make sure there are no errors. Check that your payments are marked as paid on time if you paid them on time and there are no incorrect balances.

Once you know your credit score and have reviewed your credit report, there are several things you can do to boost your credit. Pay off all your debts on time and keep your credit card balances low to avoid accumulating additional debt. You can also become an authorized user on someone else’s account. This can be useful if that person has a better payment history and low usage rate.

Pay off other debts

Lenders generally look for a DTI below 36%, although some allow applicants with DTIs as high as 50%. If a high debt-to-equity ratio is affecting your ability to take out a loan, work on paying off your current debts before applying for more credit.

One way to do this is to tighten your budget and reduce monthly credit card expenses. Talking to a financial advisor about debt consolidation is also a good idea. A debt consolidation loan could help you reduce your monthly payments by consolidating your debts into a single loan. Ideally, the interest rate on this new loan will be lower than what you were paying before the consolidation.

Look for ways to increase your income

A higher income can help lower your DTI and make you more attractive to lenders. Finding ways to supplement your income could improve your chances of getting a loan. Consider asking for a raise at work, finding another job, or finding side work. Add any household income to your full-time job when re-applying for the loan.

Compare personal loans

Different lenders have different requirements, rates, terms and fees. Research lenders and compare rates before going to any particular one. Which lender is right for you depends on your financial situation and your particular needs. Prequalifying with a few lenders is a good idea to see exactly what you’ll be eligible for before applying. You can get a personal loan from online lenders, banks, and credit unions. Each option caters to people with different incomes, credit scores, and personal life schedules.

Prepare your next application and prequalify

Try prequalifying with a few lenders. Although pre-approval is not a guaranteed approval, obtaining pre-approval means that you have met the initial requirements. Many lenders allow you to prequalify without affecting your credit score or committing yourself. However, pre-approval could be denied if something changes, such as your income or credit score.

When you’re ready to reapply, make sure your documentation is up to date to reflect all the hard work and changes you’ve made. If you’re still unsure if you’ll qualify, try finding a co-signer. This option is not only for people who do not meet the requirements, it can also give them an extra boost to get a lower rate. However, a co-signer is responsible for paying any missed payments.

When to reapply for a loan after a denial

Whenever you apply for a loan or any other type of credit, the credit application appears as a credit application on your credit report, which lowers your credit score. For this reason, it is best to wait a while before applying again. You should wait at least 30 days before applying again, but experts recommend waiting six months to give yourself the best chance of qualifying.

While you wait to reapply, you should work to resolve the reason for your loan denial. Pay off your debts, try to improve your credit score, improve your income if possible, and look for lenders with looser eligibility requirements. If you make payments on other debts during this time, make sure you get the most up-to-date credit reports before submitting another loan application.

The bottom line

Although being turned down for a loan can seem like a big blow, especially if you need the money fast, there are a lot of things you can do to remedy the situation and improve your chances of qualifying the next time you apply.

If you need the money fast and can handle the higher interest rates, there are loans for borrowers with bad credit that tend to have more flexible requirements. However, be aware that you should wait at least a month before reapplying for a loan after being turned down, and that you should only take out a loan if you are sure you can make the monthly payments plus interest and fees. You can also try reapplying for a lower loan amount. The lower the loan amount, the higher your probability of approval.

To improve your chances of getting a personal loan, you can reduce your existing debt and improve your credit score and debt-to-equity ratio.

Every main character on Amazon is ranked in a league of their own

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Position: welder, housewife

Special Skills: Illustration

Clance Morgan isn’t just the most valuable player in ‘A League of Their Own’, she’s the best friend we all wish we had. The newlywed spends the early episodes trying to create the perfect home for her husband Guy and supporting her best friend Max as she begins her new job. Clance demands to be a real character, rather than just the best friend. When Max comes over to talk baseball, Clance is quick to notice that her husband has just left for the war and she has no support to offer at the moment. She is a kind and caring friend who never forgets that her own life matters too.

Obsessed with comics, Clance is also a gifted illustrator and writer. Making comics featuring his friends and family is practically his love language. But what makes Clance the MVP is his sense of humor and pitch-perfect delivery, not to mention his insistence that Dorothy is actually the enemy of “The Wizard of Oz.” With her husband overseas, her best friend on the road and a baby on the way, Clance is going to have a tough time. With Toni’s help, there is no doubt that she will also prove to be a fantastic mother.

South Bend Blue Sox baseball players gather at the History Museum

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SOUTH BEND ― The baby of the group, Lois Youngen, 88, quickly leads a Tribune press crew into a corner of the museum gallery and stabs a photo of a young woman who had pitched a perfect baseball game for the South Bend Blue Sox.

“She made me famous,” Youngen says, noting his own role as a catcher at the time.

But she’s eager to move on – the 4-0 victory over Fort Wayne in the All-American Girls Professional Baseball League. There is meeting and socializing to be done. And it is precious. So precious that she barely sees the newly refreshed permanent exhibit on women’s baseball league here at the History Museum.

Thirteen women who had all played in the league came from across the country – Oregon, California, New Jersey and in between – for a meeting in South Bend over the weekend.

They had broken down barriers for women. And a new Amazon Prime TV series, “A League of Their Own,” loosely based on the 1992 fictional film, is now telling stories within women’s baseball — including barriers of race and gender identity.

In fact, one of the women present, Maybelle Blair, 95, made national news at the show’s premiere on August 12 in New York when she appeared on stage as being gay her whole life.

For this dwindling group of brave girls, however, they are part of “family.” Maybe they were competitors. Or not at all. It never mattered. They bonded at every meeting.

Corky Carl talks about his days as a bat for the South Bend Blue Sox in the All-American Girls Professional Baseball League.  Players, fans and families gathered at the History Museum in South Bend last weekend for a reunion.

From August 2015:Professional female baseball players gather and reminisce in South Bend

“Yes, I know I’m an important part of history, but it’s important to be with all these women,” Corky Carl, 90, who was a bat for the South Bend Blue Sox from 1945 to 1950, says. “My contacts with people everywhere is probably one of the most important things.”

The 1950 graduate of South Bend Central High School, who now lives in a suburb of Cleveland, says her kids were in college when they visited the Grand Canyon and she came across — again — people with whom the league had a connection.

The women hadn’t had a reunion since 2019, thanks to COVID. Going forward, they will consider this “year by year,” says AAGPBL Players Association president Rick Chapman. Two women could not come this year because they were sick. South Bend’s own legend, 101-year-old Betsy “Sockum” Jochum, who still lives here in the town where she played six years for the Blue Sox, came to a rally Thursday but not Friday.

“They try to keep the legacy and the story alive,” Chapman says. “We don’t want him to be lost again.”

February 2022:A 101st birthday for Betsy ‘Sochum’ Jochum and three deaths to note

History recording

The women’s stories were “lost history”, he says, until the reunion began in 1982, the year after his mother died. His catcher’s gear is fixed on a dummy in the gallery of the museum. Dorothy Mickey Maguire Chapman was among the top 60 players in the league’s freshman year, in 1943, when Philip Wrigley started the league as a way to fill Wrigley Field while Chicago Cubs players left to serve in World War II. She would play for Racine, Milwaukee, Grand Rapids and Muskegon.

Chapman, who lives in Kansas City, Mo., was among a total of 70 people who had gathered here, including family and friends.

Mary Moore talks about her playing days Friday, August 19, 2022, at the All-American Girls Professional Baseball League meeting in South Bend.  Moore played from 1950 to 1952 with the Springfield Sallies and the Battle Creek Belles.

Mary Moore, 90, who played from 1950 to 1952 for the Springfield Halls and the Battle Creek Belles, continued to play baseball until she was 78. quit before I kill myself over there.

“I love the game,” she says, now living in White Lake, Michigan.

Other barriers

On Friday, she joined the other women to watch the first episode of “A League of Their Own,” and came away with mixed feelings.

Like others, she appreciates the show’s efforts to raise awareness about race and gender identity, but, she says, those issues weren’t even on her mind at the time.

Memorabilia from the All-American Girls Professional Baseball League are on view Friday, August 19, 2022 in an exhibit at the History Museum in South Bend.  Players, fans and families were in South Bend last weekend for a league meeting in South Bend.

“At the time, we had no idea why there were no black people on the team,” she says of the fact that black people weren’t recruited into the teams. “We had some Cubans.”

Skin color, she said, didn’t matter to the players. And, in a time before television and social media, she says, most girls didn’t think about gender identity.

“We were 15, 16, 17,” she says. “We haven’t been exposed to anything like that at all.”

Regarding the salty language on the show, she says, “We didn’t swear like that.”

Carl, likewise, appreciates the show’s efforts to raise awareness of social issues, but has reservations about “too much alcohol” on the show. After baseball, Carl made a career of inspiring young athletes to do better while continuing to break down barriers. She became the first female athletic director in Minneapolis to oversee both men’s and women’s sports. His daughter is also a sports director now.

Executive producer Hallie Wierenga says she heard similar comments from women on Friday, as well as positive vibes about it. Those comments will be taken into account as new shows are made, she said, adding, “I welcome all constructive criticism.”

The show’s creators had spoken with the director of the 1992 film, Penny Marshall, but had also done extensive research on the league. This meant, in part, consulting the staff of the History Museum, as it holds the league’s national repository, containing the largest collection in the United States of baseballs, uniforms, albums and league memorabilia. .

Sister Toni Palmero shows a photo of her teammates to Kathleen Carter Friday, Aug. 19, 2022, in an All-American Girls Professional Baseball League exhibit at the History Museum.  Players, fans and families were in South Bend last weekend for a league meeting in South Bend.

The show, says Wierenga, is not meant to be a documentary. It aims to “tell a longer bench of stories” than the film could.

What about the language? Well, because historical films and sound clips can seem “anachronistic,” she says, “we wanted them to feel like they were women in their time.”

“We try to tell a spiritually authentic story about the league,” she says.

From June 2018:A team of their own in South Bend, 75 years later

true to themselves

At the meeting, each woman has her own story.

A Little League baseball diamond is named after Ann Petrovic where she lives in the small town of Aurora, in southern Indiana. Formerly Ann Meyer, she played for a year in the league when she was just 15, for Minneapolis and Kenosha, then continued for five years in another National Women’s Baseball League, based in Chicago. After that, it’s off to college, marriage, raising a family, and going to his local YMCA to stay in shape, not hitting balls anymore.

“I miss a lot of my friends,” she says as she gazes at a museum display filled with team photos. “When I see their photos, that’s when it comes back to you.”

Players from the former All-American Girls Professional Baseball League gather for a group photo Aug. 19, 2022 at the History Museum in South Bend.

Moore dons a sweatshirt that reads, “There’s no crying in baseball,” a line actor Tom Hanks’ character says to whiny players in the movie “A League Of Their Own.”

Moore attributes this to Hollywood.

“I don’t remember any of us crying,” she said. “Even when we hurt each other. … I broke my ankle and they took me off the pitch. I wasn’t crying. We were tough. You played tough.

Now, however, there may be tears. Shed for those they lost.

Find columnist Joseph Dits on Facebook at SBTOutdoorAdventures or 574-235-6158 or jdits@sbtinfo.com

Everything Brandon Huffman Said On The Autzen Audibles Podcast

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Brandon Huffman: “I mean, it’s not De’Anthony Thomas’ announcement for Oregon at the signing day level, but in 2022, with the way that social media really covers the whole recruitment process as it is, it’s damn surprising. You have to go around April. And in April, Kenyon made an unofficial visit to Oregon and visited Oregon State, but he made an unofficial visit to Oregon. And in an article that I wrote shortly after, I wrote that this visit was important to him because it was offered by Oregon, you gotta talk to Junior Adams But it was his favorite school growing up that it was a childhood dream come true ’cause it was his favorite school he always watched So you always knew that Oregon had a chance. But as we arrived in May and June, and he began to lock down official visits, Oregon seemed to be on the outside. laughing watching. The other school that I always thought was going to have a really big chance he was from Utah considering they went to Idaho Fal Last year I had a four stars and Tao Johnson who was a friend of the Kenyans, then Stanford, you know, because Stanford always has to be considered and recruiting.

Well, he names the first three. First, he names his official visits to the state of Iowa, Michigan, and Washington. Then he names the first three, and then it becomes a final three. So we are operating under the cover of the last two weeks, it will be the state of Iowa, Michigan or Washington. And it was around Saturday afternoon, where I started to hear rumblings, ‘Hey, there may be a shock here that’s being fired.’ And I checked it and finally it was Oregon. We had the quotes right when he announced it, and I kept going back to, you know, maybe they weren’t in his top three, maybe they weren’t in his bottom three , but it was a childhood favorite. It’s not like it’s a school that came out of nowhere, for which there was no affinity. Oregon was one of them. But it was something else. He never set a very distant date. A lot of kids will say now that I’m making an announcement on, you know, September 28th, which is six weeks. He didn’t announce it until Saturday morning that he was going to announce it on Monday. So while it might have been a final three, he never updated his final three. But as far as we know for the last three or four days before he tweeted it, Oregon may have started pushing.

And there were a few factors at play with Oregon, you know, Junior Adams, who was the original scout, coached two of Kenyon’s coaches at Boise State, but Drew Mehringer was really the one who accelerated it, recruited him as a tight end. And I think once Kenyon came in, you know, a couple of the schools in his last three said tight end, they said receiver, but I think when he kept coming back to the childhood favorite and the ‘Oregon was talking about how they can develop him, that’s what ultimately influenced him. Oregon ended up being successful at least in the west in class 2023, I would say that’s probably the most surprising announcement and surprising commitment I’ve seen in this cycle in the western region.”

Revolutionizing the banking system through e-commerce delivery companies

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Until a few years ago, we stood in line at the bank, waiting to process our documents, open an account or receive our cards. Doing a bank chore meant missing lunch time or taking the day off, as it was a long and tedious process.

Fast forward to the current scenario, where instead of having to access multiple windows for signs and stamps, we can go to a website, click the link, enter the information, and your task is done. We get all of our checkbooks, credit and debit cards delivered to our door.

The growth of the e-commerce sector has fueled the growth of the door-to-door supply chain. The banking industry has made excellent use of e-commerce delivery companies to provide a seamless and hassle-free banking experience for their customers. Let’s learn a little more about the banking industry’s transition and how e-commerce delivery companies can help them improve their customer experience.

Introduction of virtual experience in the banking sector

Banking was a numbers game in the early days. More branches meant better reach and a better customer experience. But, emerging technologies have proven that whatever the goal, it can be accomplished through the screen. It suits the fast-paced modern lifestyle much better.

However, security is one of the primary needs of the banking sector. That’s why you have to go to the branch every time you work at the bank, even to collect your cards.

The concerns of the banking system were also justified. If financial documents, cards, and checkbooks are given to the wrong person, it could lead to serious cases of financial fraud.

But, as the e-commerce industry began to handle more and more valuable items like jewelry and electronics, e-commerce delivery companies devised proof of delivery systems.

The banking industry has taken advantage of these developments to provide the convenience factor in your banking activities. Let’s take a closer look at how post-purchase experience enhancement features from e-commerce delivery companies have helped the banking industry.

How have e-commerce delivery companies transformed banking?

Features like faster deliveries, order tracking, and delivery verification were initially aimed at the e-commerce industry. However, these features have played a vital role in transforming the bank into a user-friendly virtual industry. Some of the key features of e-commerce delivery companies that have enabled the banking industry to deliver their services to the customer’s doorstep are:

Proof of delivery

When the banking sector started delivery, the main concern was that the package would not fall into the wrong hands. The proof of delivery service provided by the delivery companies was one of the important factors, as the banks and their customers were assured that things would not be delivered to the wrong person.

Delivery verification

Pushing the proof of delivery process further, e-commerce delivery companies have been able to provide more secure methods such as two-step verification and image and identity verification methods that have enabled the banking industry to make secure deliveries to their customers.

Faster deliveries

Deliveries in the banking sector are most of the time very time sensitive. The extensive supply chain of e-commerce delivery companies operated using multiple distribution centers has enabled banks to deliver and reach their customers on time.

Tracking control

When important items such as bank statements, credit cards or checkbooks are in transit, customers are bound to worry about their delivery. Enabling live tracking improves the customer’s post-purchase experience. This is one of the best ways to help customers and banks track deliveries and send notifications about their deliveries to your customers.

Improved customer support

Delivery systems allow banks to make all of their systems virtual. Innovative banks and card companies like Fi (Federal Bank) and Jupiter offer their full range of services through their website. This allows them to serve customers at any time of the day and provide faster resolutions to customer inquiries.

Conclusion

Virtual services are the fundamental essence of the modern lifestyle. Customers are accustomed to receiving products and services delivered to their doorstep. The physical network and its geographic coverage were vital but have been rendered useless by the technological evolution of delivery and the logistics supply chain.

The banking industry was once heavily dependent on physical infrastructure to provide better, faster and more secure services to its customers. The financial space has now started to focus on customer experience through the services of e-commerce delivery companies.



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Disclaimer

The opinions expressed above are those of the author.



END OF ARTICLE


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FTC sends checks to defrauded student borrowers in scams

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Srdjanpav | E+ | Getty Images

The Federal Trade Commission announced this week that it will send thousands of checks totaling more than $822,000 to student borrowers who lost money in a debt relief scam.

More than 14,500 consumers who donated money to a company that operated as Student Advocates will receive a check, which they must cash within 90 days of receiving it, according to the FTC.

The FTC filed suit against Student Advocates in September 2019, alleging the company charged illegal upfront fees and lied to borrowers, claiming their money would go to their loans. Clients were also steered towards high interest loans and falsely promised lower payments and, in some cases, debt elimination.

“None of the funds collected by the defendants was disbursed for consumer student loans,” the FTC said. said in a statement Thursday.

Student Advocates officials did not respond to a CNBC request for comment via LinkedIn.

Learn more about personal finance:
75% of families do not know a key date for obtaining financial assistance
Inflation drives up college tuition
Would you be included in student loan forgiveness?

Red flags: upfront costs, promises of “immediate” results

There are more than 44 million student borrowers in the United States, and the country’s total outstanding loan balance is over $1.7 trillion. The average student loan balance is about $30,000, up from $10,000 in the early 1990s, with many borrowers owing $100,000 or more. Reimbursement issues are common.

For fraudsters, it’s a scam opportunity, say consumer advocates.

Scam artists are increasingly promising borrowers forgiveness of student debt and lower payments. They often charge up-front fees of up to thousands of dollars for this “service,” which consumer advocates say is illegal.

“The Credit Repair Organizations Act 1996 prohibits charging up-front fees for credit repair, such as student loan cancellation, student loan consolidation and change of repayment plan,” said the education expert Mark Kantrowitz.

Never respond to requests to share your federal student ID except from your department or the government, Kantrowitz said.

Also be wary of any promise of “immediate” cancellation of your student debt, he added.

“As we all know, loan forgiveness is not such a quick process,” Kantrowitz said, citing one of the most popular — and real — programs. “Civil Service Loan Cancellation Takes 10 Years.”

Find Legit Resources for Help with Student Loans

These scammers will often offer services you could do yourself, online, in less than half an hour, advocates say.

For example, if you’re having trouble meeting your student loan payments, you may be able to switch to an income-based repayment plan with your service agent.

Under the program, your monthly bills will be capped at a portion of your income. There is also economic difficulties and unemployment deferments available. You can apply for these forms of relief free of charge from the Education Department StudentAid.gov.

And remember that through at least the end of August, most federal student loan borrowers are off the hook with their payments, thanks to the pandemic-era policy that’s been in effect since March 2022.

Consumers who receive a check from the FTC and have questions about their refund should call the refund administrator, JND Legal Administration, at 877-540-0989, the commission said.

Governor Lamont announces that 15,000 low-income households with children will receive a special back-to-school and COVID-19 relief benefit on Sunday

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Press Releases

08/19/2022

Governor Lamont announces that 15,000 low-income households with children will receive a special back-to-school and COVID-19 relief benefit on Sunday

Eligible families will automatically receive a payment of $257.87 per child on August 21

(HARTFORD, CT) – Governor Ned Lamont announced today that the Connecticut Department of Social Services will provide a special one-time back-to-school COVID-19 relief benefit this weekend of $257.87 per child to more of 15,000 low-income Connecticut households on behalf of 27,000 children.

Known as the Pandemic Emergency Assistance Fund (PEAF), this special benefit comes from a $7 million federal grant the Connecticut Department of Human Services received from the Administration for Children and Families, a division of the U.S. Department of Health and Human Services, through the U.S. Bailout Act.

Eligible households include those with children who received benefits under the Temporary Family Assistance (TFA) program in May 2022, or who received benefits under the Supplemental Nutrition Assistance Program (SNAP, formerly known as food stamps) and had no accounting income in that same month. These PEAF benefits will be automatically sent to eligible households on Sunday, August 21, 2022. The majority of payments will be made to recipients’ Electronic Benefit Transfer (EBT) cards. Those currently receiving SNAP or TFA benefits through direct deposit will have their PEAF benefits transferred to their bank accounts.

The Department of Social Services this week sent letters to recipients informing them that they will receive this special, one-time benefit.

Governor Lamont explained that his administration was planning the release of these special benefits to coincide with the back-to-school shopping season and the start of Connecticut Sales Tax Free Weekwhich runs from August 21 to August 27, 2022. During this sales tax exemption week, retail purchases of most clothing and footwear priced under $100 are exempt from sales tax and Connecticut Usage.

“Connecticut is the most family-friendly state in the nation, and this unique special benefit puts money back in the pockets of families struggling to make ends meet,” Governor Lamont said. “In the coming months, many of these families will also receive payments from Connecticut’s recently enhanced Income Tax Credit, which is one of the most effective programs for lifting working people out of poverty. These special PEAF benefits are another example of how the American Rescue Plan Act is supporting our nation’s recovery from the COVID-19 pandemic, and I thank President Biden and Congress for their actions in securing this funding. for those who need it.

“These payments, made possible by the U.S. bailout, couldn’t come at a better time for families,” Senator Richard Blumenthal, Senator Chris Murphy, Congressman John Larson, Congressman Joe Courtney, Congresswoman Rosa DeLauro and Congressman Jim Himes said in a joint statement. “Back-to-school shopping is always expensive, and with the rising cost of food, gas and other necessities, Connecticut families are feeling the pressure. We are happy to see that the funding we fought for in Congress is getting to the people who need it most. »

“We are pleased to provide our SNAP and TFA families with this one-time cash benefit in time for back-to-school shopping and Connecticut Duty-Free Shopping Week,” Department of Social Services Commissioner Deidre Gifford said.

These special PEAF benefits are separate from the 2022 Connecticut Child Tax Refund, which is administered by the Connecticut Department of Revenue Services and provides taxpayers with a state tax refund of up to $250 per child for up to three children. Eligible taxpayers who applied for this refund will begin receiving these payments in the coming days. The application period for this program closed at the end of July.

Twitter: @GouvNedLamont

Facebook: Office of Governor Ned Lamont


Inflation forces people to leave Bermuda in ‘mass’ – OBA – The Royal Gazette

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Updated: August 19, 2022 08:27

By the numbers: Cole Simons, leader of the opposition One Bermuda Alliance (file photo)

The island’s real inflation rate has hit double digits and is forcing Bermuda to leave the island “en masse”, according to the opposition One Bermuda Alliance.

OBA leader Cole Simons spoke out after a poll released this week showed the majority of residents were buying less in the face of rising prices.

Last month David Burt, Prime Minister and Finance Minister, said a 2.75% increase in pension payments “fully covers the overall rate of inflation”.

But yesterday Mr Simons said the number ‘does not match’. The latest official figures showed inflation at 3.7%.

He added that the real inflation rate was 10% – a rate that was “bursting the pockets of most Bermudians”.

Mr Simons said: ‘Some people are cutting back on the essentials just to make ends meet, while others are cutting on pure principle to send the message that they are refusing to pay the rising price of food and household goods. consumption. Enough is enough.”

Mr Simons said young people and seniors were mainly affected by the rising prices.

He said: “I recently met a group of young professionals who are just starting out in life with their young families. They are very pessimistic about their future in Bermuda. They see a recession on our doorstep and are seriously considering moving overseas.

“They believe they will never be able to own a home on their own island. They cannot afford the cost of pre-school education, child care, let alone the rising cost of health care They are stressed because they cannot afford to save for their future.

“The story is similar for retirees. The cost of health care, the monthly upkeep of their home, food – these costs quickly become out of reach. Everywhere I go, I hear people complaining openly about the hyperinflationary cost of these essentials. In fact, people are quietly leaving the island in droves.

According to the latest consumer price index, inflation is currently at 3.7%, the highest level in 15 years.

But critics say that figure – compiled by the Statistics Department – is also wrong because the calculations are based on outdated data.

Mr Simons claimed the current crisis “leaves gaping holes that show no signs of repair.

“Unfortunately, the situation has created a sense of hopelessness for many people in our community. They think the government is not doing enough to support or empower them economically,” he said.

“Premier David Burt and his cabinet must do more to empower Bermudians so they can feel encouraged and confident to live in Bermuda, not overseas.”

In a statement yesterday, Mr Burt acknowledged ‘we face a new challenge’ – but blamed external factors such as the Covid pandemic, rising inflation in the US and war in Ukraine .

“We led our country through it all,” he said.

The Man Who Had a Scheme Named After Him | by Ida Larsdotter | August 2022

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In less than eight months, Charles Ponzi managed to swindle $15 million from investors.

Mugshot of Charles Ponzi, circa 1920s. By anonymous US government employee. Public domain via Wikimedia commons.

PPonzi schemes are a type of investment fraud. They are unfortunately quite common. To give a simplistic definition, a Ponzi scheme is often presented as a risk-free investment opportunity with a high return on investment.

Sometimes these schemes claim to be some sort of actively managed fund. In recent years, many Ponzi schemes have been linked to cryptocurrencies. Despite the many types of Ponzi schemes, these scams still work the same way.

Scam artists present their potential victims with an investment opportunity that seems too good to be true. Often, the scammer promises investors a 20% return on investment on their initial investments. This fantastic promise attracts the victims hoping to increase their savings.

As is often the case, if something seems too good to be true, it is. These “investments” do not generate incredible returns. Instead, the crooks borrow from Peter to pay Paul. By using one investor’s money to pay another investor, scammers trick their victims into thinking their money is safe.

An example of a Ponzi scheme is the one run by Bernie Madoff. Over the course of seventeen years Madoff has stolen billions of dollars from investors. Madoff was sentenced to 150 years in prison in 2009 after his scam came to light.

Although the Madoff scam was one of the most infamous examples of a Ponzi scheme, it was not the first. In fact, this type of fraud has been around for centuries.

“The man who is admired for the ingenuity of his larceny almost always rediscovers an earlier form of fraud.”

John Kenneth Galbraith

Photograph of Charles Ponzi, circa 1920. Photographer unknown. Public domain via Wikimedia commons.

One of the first recorded Ponzi schemes was committed by William “520%” Miller in 1899. Miller was an accountant in Brooklyn who managed to take over a million dollars from unsuspecting clients in less than a month. year. When the fraud finally came to light, Miller shot to fame. Although most people were disgusted by Miller and his theft, some were inspired.

One of the people who would later attempt to replicate Miller’s crimes was a man named Charles Ponzi.

Charles Ponzi was born in 1882 in Lugo, Italy. His ancestors were aristocrats, but the family had lost their wealth by the time the Ponzi was born. Charles grew up watching his parents struggle financially.

At the start of the 20th century, there was a trend of young Italian men leaving for the United States. Sometimes these men returned with massive fortunes they had made in America. Charles saw how well men his age had done in the United States. He wanted this for himself.

“I landed in this country with $2.50 in cash and $1 million in hopes, and those hopes have never left me.

— Charles Ponzi describes his arrival in the United States

Ponzi arrived in Boston on November 15, 1903. He needed to find a way to support himself. He was a waiter in a restaurant for a while but was fired because he kept cheating customers. Charles Ponzi traveled across the United States for over a decade, doing odd jobs here and there to make ends meet.

In 1917, Ponzi returns to Boston. He had read an ad in a newspaper about a Boston company looking for a new clerk. Ponzi hoped the job would pay well. He got the job, but was eventually fired for poor performance. Despite his dismissal, Ponzi remained in Boston.

He had met a woman named Rose Gnecco on a streetcar, and the two had fallen in love. The couple married in January 1918.

Shortly after getting married, Ponzi had an idea that could have made his dreams of wealth a reality.

One day, Ponzi opened a letter from Spain. The letter contained an unused Spanish postage stamp that Ponzi was to use to write a response to the letter. If Ponzi had gone to a post office with the stamp, he could have exchanged it for a US postage stamp.

Ponzi realized that the Spanish stamp was about 10% cheaper than an American stamp. In theory, it was possible to buy a large number of stamps in Spain and then exchange them in the United States. Ponzi thought he could make a big profit out of it.

Photograph of Charles Ponzi, circa 1920. Public domain via Wikimedia commons.

Ponzi started a business he named Stock exchange company. He started telling others about his business plan and started looking for investors.

Ponzi claimed he recruited agents in Europe to buy stamps from him wholesale. The agents were then supposed to send the stamps to the United States, where Ponzi would buy them back for a profit. He was always very discreet about the most practical details. Ponzi claimed the reason for its lack of transparency was that it did not want competitors

Despite the suspicious details, Ponzi managed to convince thousands of people to invest. In less than eight months, the Ponzi company had fifteen million dollars in investments.

In reality, there were no agents in Europe. Ponzi realized he could make a lot of money from his investors without having to deal with the logistics of transporting stamps from Europe to North America. He could just use the money people gave him to pretend he had a legitimate business. Ponzi took money an investor gave him to give “returns” to another investor.

Ponzi quickly made a name for itself. This charismatic man had managed to make a fortune in just a few months. Everything was very impressive. Almost too impressive…

After a while, people started to be suspicious. If Ponzi had really succeeded in making millions stamps? Newspapers started running stories wondering how Ponzi had given investors such incredible returns in a very short time. Former Ponzi associates began to sue for debts he never repaid.

Although Ponzi fought back against the charges, the general public grew suspicious of him. Many Ponzi company investors wanted to withdraw their money. The Boston post sent undercover reporters to investigate Ponzi schemes, and the police also began to take an interest.

Image of Ponzi and his wife Rose, August 9, 1920. By The Boston Post. Public domain via journals.com.

Everything collapsed on July 26, 1920. The Boston post published an article that exposed the Ponzi business model. If the Brokerage company had made money by buying back foreign stamps, they should have bought back 160 million stamps. There were only 27,000 stamps in circulation in the United States

After the article, there was another rush of investors wanting to withdraw their money from the SECOND. He had to shell out $2 million in three days. Ponzi was finally stopped on August 12. Bail was set high due to fears he is trying to flee the country.

Subsequent investigations into the Ponzi finances showed that he was twenty million dollars in debt. That would equate to around $200 million today. Ponzi spent fourteen years in prison before being released. After divorcing Rose in 1937, Ponzi moved to Brazil.

He died in 1949, at the age of 66.

Sir Jim Ratcliffe is a local boy made good – and Manchester United’s potential savior

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Ratcliffe told the Telegraph after that first sporting investment that he only went to meet Ainslie for a drink. “The most expensive gin and tonic of my life,” he joked. He has bought a few rounds since then.

Ineos’ extraordinary sporting land grab in recent years – along with his sailing team, Ratcliffe has aspired Team Sky, Nice, sponsored Eliud Kipchoge’s under 2 hour marathon challenge, the All Blacks, and bought a stake in Mercedes F1 – was compared to that of Red Bull, another billion-dollar private multinational with a huge sports portfolio.

Ratcliffe is a serious player and a potential savior

Ratcliffe’s reasons for investing in all of these properties are less easily understood, however. Red Bull is a consumer brand. It sells billions of cans of energy drinks every year. She wants visibility and brand recognition; hence his investment in F1 and extreme sports. Nobody “buys” Ineos.

In fact, Ratcliffe flatly denied that brand recognition was about him in an interview with this newspaper in August 2018. He’s changed his tune a bit on that since then. There are now a few brands owned by Ineos, including the Grenadier 4×4 vehicle in which his company invested £1billion, and the clothing company Belstaff, now run by former Ineos Grenadiers CEO Fran Millar. But that still doesn’t seem to be the main reason.

It’s not about making a profit either. None of these teams or sponsors are necessarily big investments.

Then what ? A desire to use sport to soften the image of the company is clearly part of this. Ineos has been accused of “greenwashing” when it got into sailing and cycling. And it’s true that the company has taken advantage of its various sports partnerships to highlight its work in the fight against pollution or research into biodegradable plastic. Or to trumpet his Daily Mile, an initiative that encourages primary schools and nurseries to take children outside for a 15-minute run every day.

The son of a carpenter and clerk who grew up in a Greater Manchester housing estate, Ratcliffe is a proud and unapologetic industrialist and engineer. A self-made billionaire. And a man who now devotes himself to his passions.

Ratcliffe is also an avowed sports junkie. He ran marathons, traveled the two poles and crossed South Africa on a motorcycle. He is busy building one of the biggest portfolios in world sport, with Sir Dave Brailsford leading him as director of sport (again Ratcliffe cared little for public opinion when he chose to s stick to the embattled sports supremo).

Could Ratcliffe, given his age, now just want to spend his money returning to the North West and bringing back the glory days at United? Too bad for their fans, it seems so. He certainly, undeniably, has the wherewithal to do it if the Glazers sell. He is a serious player and a potential savior.


Do you think Sir Jim Ratcliffe is a good option? Tell us your views in the comments section below.

Railway police accused of forcefully collecting ‘donations’ from vendors at Kanpur Central Station

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Kanpur: A day before Krishna Janmashtami, the Railway Police (RPF) in Kanpur, Uttar Pradesh were accused of forcefully collecting donations of Rs 2,100 from vendors in the name of Janmashtami celebrations. According to a report by India Today, a receipt of Rs 2,100 is deducted from vendors working at Kanpur Central Railway Station.Read also – Delhi, discover the theatrical Krishna this Janamashtami! Check dates, time and tickets for the dance drama here

The donation slip bears the stamp of Shri Krishna Janmashtami RPF Barrack Jhakarkati Kanpur. Vendors at the station also alleged that the RPF extorts donations in the name of God. An investigation has been ordered into the matter now. Read also – Janmashtami 2022 Date: When is Krishna Janmashtami? Is it August 18 or 19? Know Shubh Muhurat and other details inside

However, it is said that the General Manager of Railways, General Manager of Northern Central Railway (GMNCR), Divisional Director of Railways (DRM) and senior officials of CTM and RPF have been briefed of fundraising. Also Read – Mathura To Dwarka: Time For Janmashtmi Celebration In Different Places Of India

“The case has been reported by the authorities. The tweeted message to the RPF was transmitted. The case is under review,” said CTM Deputy Ashutosh Singh.

Krishna Janmashtami is one of the most famous festivals in India. It is an annual Hindu festival that celebrates the birth of Lord Krishna, the eighth avatar of Lord Vishnu. The biggest celebration of this festival takes place in the cities of Mathura and Vrindavan, where Krishna is said to have been born and spent his time growing up.

This year there is some confusion regarding the date and times of Krishna Janmashtami, whether it will be celebrated on Thursday August 18 or Friday August 19, 2022.

According to the Vedic Panchang, Ashtami Tithi will start from 9:21 p.m. on August 18 and end at 10:59 p.m. on August 19, 2022, so it will be celebrated on both days while Nishith Puja time starts from 12:02 a.m. on August 18 and ends at 12:48 p.m. the same day.

Waiver of Public Service Loans: What You Need to Know About Timelines and Eligibility

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Are you eligible for civil service loan forgiveness? Some 3.5 million federal student borrowers who work in the public service could qualify to repay their loans faster under a temporary expansion of the PSLF program. But the window to apply for it”limited PSLF waiver” closes.

The vast majority of borrowers who have applied for the PSLF have been denied assistance before, but new regulatory changes in October 2021 and again in april this year has made forgiveness more accessible to more public servants – teachers, civil servants, first responders and firefighters – who commit to working 10 years or more.

Waiver can provide a pathway to forgiveness retroactively. For example, it could allow some borrowers to count their previous payments towards the PSLF, giving them the opportunity to be reconsidered if they had already been refused, and allowing them to obtain credit on loan repayments, regardless of the plan.

The deadline to file a waiver request is October 31, but some borrowers need to act sooner. If you have qualifying Perkins or FFEL loans, you will first need to consolidate these into direct loans before applying. You should consolidate your loans “by the end of the first week of September, as the consolidation process can take 45 days,” according to Martin Lynch, director of education at Cambridge Credit Counseling Corp.

If you want to find out if you qualify for loan relief through the expanded PSLF program, keep reading. We’ll tell you how to apply on time and what else you need to know about civil service loan forgiveness. To find out more, here how canceling a student loan can affect your credit score.

What is the PSLF program and am I eligible?

The PSLF program, first launched in 2007, was designed to help civil servants repay their loans faster.

The program works by providing loan forgiveness to eligible government officials who have made 120 eligible student loan payments. Yet, prior to the program’s expansion last October, the approval rating was horrendous: Nearly 99% of borrowers who applied since 2008 have been refused.

To qualify for the PSLF, you must be employed full-time by a U.S. federal, state, local, or tribal government agency—this includes the military—or nonprofit organization. You must have Federal Direct Loans or other types of federally guaranteed loans that have already been consolidated into Direct Loans and you must make 120 qualifying payments or 10 years of payments. Examples of borrowers eligible for the PSLF are workers like teachers, nurses, and firefighters who serve their local communities.

Am I entitled to a loan forgiveness under the new conditions of the PSLF?

The exemption only applies to federal loans, which make up the vast majority, or more than 90%, total student loan debt. Borrowers in government jobs may be able to receive a discount for FFELfederally guaranteed loans made through private lenders, Perkins loans, and other non-standard or non-income-tested repayment plans for federal loans under the expanded waiver (see below).

Borrowers can also receive credit for past payments and periods of employment, such as active military service, for which they would not have qualified in the past.

The easiest way to find out if you qualify is to apply for the limited exemption. Completing the waiver will help you do things like consolidate different types of loans or certify previous periods of employment for credit.

How do I apply for a PSLF pardon?

The Ministry of Education has a dedicated tool to guide you in your request for a limited exemption. The deadline to apply for the waiver is October 31, 2022, but the sooner you apply, the better. Some borrowers may not have to do anything to have their loan cancelled, but it’s a good idea to confirm your specific details.

If you have FFEL or Perkins loans, you will need to consolidate them into direct loans. This process can take several weeks, and Lynch recommends completing the process “at least 45 days before filing the PSLF application.” This means that you should take steps to consolidate no later than the first week of September to ensure you have enough time to file.

Should I consolidate my non-direct loans?

Previously, only direct loans with a standard or income-driven repayment plan were eligible for PSLF. However, for a limited time, you may be able to receive credit for past payments on federal loans that were not previously eligible for PSLF, regardless of your repayment plan. Borrowers with FFEL, Perkins, and other non-direct Federal loans must consolidate their loans through the Direct Consolidation Program before applying for the expanded PSLF waiver.

You can consolidate eligible federal student loans into a direct loan online at the Federal Student Aid website – you can find the Consolidation Application here. This will combine your existing federal loans into one direct loan with one interest rate and one monthly payment. By consolidating into a single direct loan and then applying for the expanded PSLF waiver, your past payments can now count towards loan forgiveness, as long as you are in eligible government employment.

How does the student loan payment suspension affect my eligibility for the PSLF?

Federal student loan repayments have been on hold for more than two years and are currently set to expire August 31. Under the PSLF, each such suspended payment counts as an eligible loan payment during that period. So if your payments were suspended for 26 months, that counts as 26 payments on time, bringing you closer to your goal of 120.

What if I didn’t receive credit for past payments?

In the past, if you made payments but your loan officer had incomplete or inaccurate records, you had to almost no recourse to counter their claims. Now, with the limited waiver, you can apply for forgiveness and have your payments count towards your debt and forgiveness.

Will the expanded waiver become permanent?

The Ministry of Education said in its statement that it will continue to roll out and update its policies in the coming months as it attempts to get the PSLF program back on track.

With millions of borrowers at risk of losing their student loan forgiveness if they don’t apply for the waiver by the deadline, many advocates are urging the White House to extend the waiver opportunity. So far, the Biden administration has not indicated any intention to make the new rules permanent.


Correction, January 25: This article previously stated that private loans would be eligible for student loan forgiveness under the new waiver. It was incorrect. In addition to direct loans, only FFEL loans – which are federally backed, but often issued by private lenders – Perkins loans and other federal loans are eligible for the PSLF exemption.

First lady Jill Biden tests positive for COVID and North Carolina Governor Roy Cooper ends state of emergency

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First lady Jill Biden has tested positive for COVID but is showing only mild symptoms as she prepares to self-isolate for at least five days.

The first lady began experiencing cold symptoms on Monday evening and tested negative in a rapid antigen test, before testing positive in a PCR test, according to a statement from her communications manager, Elizabeth Alexander. The news comes just two weeks after President Joe Biden tested positive for COVID for the second time.

“The First Lady is double vaccinated, twice boosted and has only mild symptoms,” the statement read. She is currently staying at a private residence in South Carolina and will only return home to the White House after two consecutive negative tests.

North Carolina Governor Roy Cooper lifted a state of emergency that gave his government extraordinary powers to deal with the COVID pandemic, the Associated Press reported.

The Democratic governor announced last month that he would lift the emergency order on Monday, citing provisions in the latest state budget bill he signed that would allow health care providers and regulators to continue to respond vigorously to the virus. His termination order said the emergency ended late Monday night.

The move comes as known COVID cases in the United States continue to wane based on numbers provided by a New York Times tracker, though the true tally is likely higher given the number of people testing. at home, as this test data is generally not collected.

See now: CDC: You should get two negative tests or wear a mask for up to 10 days after testing positive for COVID-19

The daily average of new cases stood at 99,832 on Monday, according to a New York Times tracker, down 18% from two weeks ago. Cases are declining in almost every state and are down 20% or more in more than a dozen states, namely Rhode Island, Texas, Nebraska, New Mexico, Florida, Idaho, Illinois, California, Arkansas, Louisiana, Oregon, New Jersey, Arizona, Hawaii, Alabama and Utah.

The daily average of hospitalizations fell by 4% to 42,072, while the daily average of deaths increased by 10% to 489.

In North Korean state media, Kim Jong Un’s sister suggested that the dictator himself had contracted Covid-19. The statements came as the country declared victory against the virus, three months after reporting a spike in cases. Photo: KCNA/Reuters

Coronavirus update: MarketWatch’s Daily Roundup organizes and reports all the latest developments each day of the week since the start of the coronavirus pandemic

Other COVID-19 news you should know:

• London’s main airport, Heathrow, has extended the limit on departing passengers until October to reduce flight cancellations and cope with summer demand, MarketWatch’s Anviksha Patel reported. After consultation with the airlines, the airport, owned by the Spanish Ferrovial FER,
-0.07%,
will extend its cap of 100,000 on the number of departing passengers per day until October 29, the end of the summer season. Last month, Heathrow introduced the cap, saying it has since led to fewer last-minute cancellations, better punctuality and shorter baggage waits. The move followed other airports that have similar limits in place, including Gatwick Airport in London, Frankfurt Airport in Germany and Amsterdam Schiphol Airport in the Netherlands.

• The Federal Aviation Administration said Monday it was cutting flights in the New York area due to staffing shortages, the AP reported. Departing and arriving flights could be delayed up to two hours at John F. Kennedy International, LaGuardia and Newark (New Jersey) Liberty International airports, the FAA said. The agency said passengers should check with their airline for information on particular flights. “Due to the availability of personnel tonight, the FAA must reduce the flow of aircraft in certain airspace serving New York to maintain safety,” the FAA said in a statement Monday afternoon.

Packed planes, exorbitant fares and fewer Covid-19 related regulations were meant to be a boon to the airline industry worldwide. But with the summer travel season in full swing, shares of many major US airlines have fallen. The WSJ’s Joe Wallace explains what’s weighing on airline stocks. Photo: Frank Augstein/Associated Press

• Georgia Governor Brian Kemp will spend up to $1.2 billion in federal COVID relief for payments of $350 each to more than 3 million Georgians who receive Medicaid, subsidized childhood health insurance, food stamps or social assistance in cash, the AP reported. The move comes on top of Kemp’s proposals last week to spend $2 billion on state surplus, split between property tax refunds and a second set of income tax refunds, if voters choose him for a second term in November over Democratic challenger Stacey Abrams. These separate plans would require legislative approval next year.

• Bill Gates on Tuesday called on South Korea to become more involved in international efforts to prevent infectious diseases like COVID-19, stressing the need for the world to be better prepared for the next pandemic, the AP reported separately. Representing the Bill and Melinda Gates Foundation, Gates signed a memorandum of understanding with South Korea’s foreign and health ministries, promising new partnerships in projects to improve public health tools in developing countries. and advancing vaccines and treatments for infectious diseases.

Here’s what the numbers say

The global tally of confirmed COVID-19 cases topped 591.6 million on Tuesday, while the death toll topped 6.43 million, according to data aggregated by Johns Hopkins University.

The United States leads the world with 93.1 million cases and 1,037,795 deaths.

The Centers for Disease Control and Prevention Tracker shows that 223.5 million people living in the United States are fully immunized, or 67.3% of the total population. But only 107.9 million had a first booster, or 48.3% of the vaccinated population.

Among people aged 50 and over eligible for a second booster, only 21 million had one, or 32.7% of those who had a first booster.

MaltaPost raises postage rates amid worrying inflation

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MaltaPost has raised the price of postage rates on incoming and outgoing mail because – according to the National Postal Service itself – it spends more money than it earns.

The price of stamps has increased. Stamps for local letters increased by €0.07, bringing the price to €0.37. Meanwhile, sending a letter abroad will cost the buyer €1.25 compared to €0.86 before.

MaltaPost chief executive David Attard told The Times of Malta that the company has been hit by a myriad of factors which have heightened their struggle.

Between the less than favorable effects of the COVID-19 pandemic, supply chain issues, rising airfreight costs, Brexit and the introduction of VAT on low value purchases outside EU, the postal company has struggled to cope.

Nevertheless, Malta remains the country with the cheapest postage rates in the EU – juxtaposed with Denmark, the country with the most expensive rates.

In fact, research by Deutsche Post found that Malta has maintained the cheapest EU tariff every year since 2008.

These low fares come at a cost. MaltaPost’s profits have been declining since 2019.

The company is listed on the Malta Stock Exchange and in 2019 it made a profit of €2.98 million. Meanwhile, in 2020, turnover fell to 2.8 million euros, followed by a further drop in 2021 to 2.35 million euros.

As MaltaPost Chairman Joseph Said explained, “MaltaPost simply cannot be expected to continue to provide certain services at financial loss”.

Postage rates are so cheap due to Maltese laws that bind the business to a universal service obligation – MaltaPost must provide an affordable service to every person in the business.

This postal accessibility is calculated based on how long a person must work to earn enough money to be able to post a letter.

A worker in Malta has to work 1.38 minutes to be able to pay for a letter. A time well below the European average of 4.23 minutes.

Such a discrepancy is most likely due to a Maltese law that prohibits MaltaPost from raising mail rates without the approval of the Malta Communications Authority (MCA).

In fact, the MCA agreed to increase tariff revisions last month, but MaltaPost remains unconvinced that the company will be able to deliver its service at a profit.

To fulfill their duty, MaltaPost deploys almost 800 people six days a week to collect mail from around 600 mailboxes around the islands. Letters are processed and delivered the next day.

The company is also going green by using 80 electric vehicles to reduce its carbon footprint.

What do you think of this price increase?

Are states and LGs now above the law?

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We live in interesting times in Nigeria. Public discourse issues never cease to amaze us in this country.

When you think you have seen and heard it all, something laughable would arise like a clap of thunder to add to the dramatic turn of events unfolding all around us.

The Federation’s 36 State Board of Attorneys General (BOAG), emerging from its conference held recently in Lagos State, issued a statement in which it falsely claims that the Federal Inland Revenue Service (FIRS ) “does not have the power to impose sanctions on States”.

The penalty in question is imposed in the event of a default resulting from the failure to deduct the statutory levies and to remit them to the federal government within the time limits allowed by the laws in force.

In order to nullify the power of the FIRS to impose sanctions, the BOAG decided to send a delegation to the National Assembly to nip in the bud the stamp duty bill, which it called a detrimental to states. It will be useful to point out that not all stamp duties are collected by the FIRS on behalf of the federal government.

The FIRS only monitors federal government stamp duties through MDAs and corporations.

It is relevant to remember that all levies and penalties collected by the FIRS are paid into the consolidated revenue account which will be shared by the three levels of government. Therefore, the notion of paralyzed by the FIRS that the BOAG seems to canvass is not true.

On the surface, this statement is laughable as it appears BOAG is unwittingly helping its states shoot themselves in the foot. Its output is just filled with simple sound and fury, meaning nothing. Just bullshit!

However, despite the vacuity of the statement, there is something concerning about it that needs to be pointed out if only to educate BOAG and the general public. First, it should be mentioned to enlighten the BOAG and the general public that the actions of the FIRS are not arbitrary.

The FIRS derives its powers to assess, enforce, collect and account for taxes to the Federation from the existing laws provided for in Section 8 (1) (a), (b) and (c) of the Act on the Establishment of the Federal Revenue Service (FIRSEA) 2007.

As such, the FIRS has the statutory right to enforce the collection of taxes, including in the event of default, as is currently the case with state and local governments. It is therefore strange that the BOAG can assert that the FIRS does not have the power to impose any sanction on the States.

It should be noted that as the designated agents for the collection of value added tax and withholding tax, the States are expected to remit the revenue so collected to the account of the Federation and not retain and , or use them later. The FIRS (a federal government agency) which acts as the collector of these revenues does not use or access said revenues either. Instead, it is pooled in the Federation account from which it is shared among the three levels of government. An often overlooked fact is that FIRS have a greater revenue collection capacity than states.

This is due to its wider reach and the sophistication of its ICT network which gives it a leverage effect particularly in the collection of income from banking operations. Because of this, greater revenues are collected, which is far greater than what the states could collect. This is what States must think about instead of resorting to demagoguery.

Instead of going to the media, BOAG should have at least sought engagement with the tax agency to find ways to resolve objections to enable effective revenue collection.

By doing so, a better understanding of the gray areas would be achieved.

This would promote better tax compliance and congruence of objectives of tax collecting agents like MDAs and LLCs. It would be more fruitful than their incendiary press release which could cause taxpayers to lose confidence in the tax administration.

This would have a negative impact on government revenue, thus worsening the current state of the economy which the FIRS is doing everything possible to consolidate.

State and local governments are subject to the laws of the federation.

If BOAG continues to promote state sovereignty as it tends to do, what are they saying to some states like Kaduna who have been very diligent in consistently and promptly remitting VAT and WHT to the appropriate quarters?

There has come a time when the FIRS should begin to engage all tax administration actors to render ineffective any trends that may sabotage revenue generation.

At a time when the country needs money to finance its commitments, efforts must be made to increase revenue generation and reduce its debt burden.

We cannot go on like this, as if we were a lawless country whose citizens are devoid of patriotism. It is time for us to pull ourselves together and take seriously issues of national importance such as the payment and collection of taxes.

Bernard Okri is the president of the Global Economic Policy Initiative (GEPIN)

At the Salzburg Festival, riches, retreads and notes of caution

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SALZBURG, Austria – The premiere of a new production of Janacek’s opera ‘Kat’a Kabanova’ had just wrapped at the Salzburg Festival here last week. When the lights came back on, Kristina Hammer, the festival’s new president, was wiping tears from her cheeks.

It was hard to blame him for crying. “Kat’a” is a heart-pounding tragedy about a small-town woman trapped in a loveless marriage and driven to suicide after having a brief affair. Janacek’s music crushes her ethereal fantasies with the brutal fist of reality.

Barrie Kosky’s staging was the culmination of a week in Salzburg, classical music’s preeminent annual event, which runs until August 31. Kosky has reduced this stripped-down work even further, to its core of trembling human beings.

The only set is rows of models of eerily realistic people, standing, wearing street clothes and facing us – and away from Kat’a and her pain. (I confess: I was fooled into thinking it was several dozen very still extras.) Behind them rise the stone walls of the Felsenreitschule theatre, whose vast stage has rarely seemed larger or more lonely than when soprano Corinne Winters runs through it, running with nowhere to go.

Nervous and dangling, ecstatic and anxious, Winters has the unsteady presence of a child, and her live voice conveys Kat’a’s wonder and vulnerability. She is the center of the production, but the whole cast is powerful; Winters’ interactions with Jarmila Balazova’s headstrong Varvara make the characters’ years of friendship easy to believe. Conductor Jakub Hrusa confidently paces the work as one bitter, uninterrupted single shot, though the Vienna Philharmonic – the festival’s longtime house band – sounded a little thin and uncertain in what should be a passionate unanimity.

There is a kind of family resemblance between Kat’a and Suor Angelica, the dying young nun at the center of one of Puccini’s three acts in one in “Il Trittico”, conducted here by Christof Loy, with the Philharmonie conducted with a sensual lightness by Franz Welser-Möst. Like Winters, soprano Asmik Grigorian, who stars in all three acts, is an intense actress with a voice of thrilling frankness. (It’s the vocal taste of the moment in Salzburg; the days when Anna Netrebko’s sumptuous tone reigned supreme here seem to be over.)

Spare but detailed, unified by an airy buff-colored space with shifting walls, Loy’s staging rearranges the triptych, beginning rather than ending with the comic “Gianni Schicchi”, which now precedes the sinister tale of adultery. “Il Tabarro”, with Roman Burdenko as a Michele firm.

“Suor Angelica”, the closest, is the reason to see this “Trittico”; it is the only one of the three roles in which Grigorian’s lack of tonal warmth fully works to his advantage. His face-off with veteran soprano Karita Mattila – not an alto, as the role of Angelica’s aunt really demands, but properly imperious – is a flamboyant showdown of painful duels. And Grigorian’s final scene, which deals with the unexpected emotion of her simply changing in front of us from her usual into an elegant black cocktail dress and letting her hair down, is equally heartbreaking.

A woman is also on the verge of depression, but in a much more amusing way, in Rossini’s “The Barber of Seville”. Now that mezzo-soprano star Cecilia Bartoli leads the Spring Pentecost Festival here, every summer includes a production vehicle for her. But there were snickers when it was announced that Bartoli, 56, was planning to play Rosina, who is usually sung at the start of his career. (Bartoli made his professional stage debut in the role 35 years ago.)

But his voice – and his rapid coloratura – are remarkably well preserved, and his enthusiasm is irresistible. Directed by Rolando Villazón, the show is a love letter to cinema, like “The Purple Rose of Cairo”, which has characters walking on and off screen. Here, the silent era comes to life, with Bartoli as a diva whose experience is a wink in an anthology of his images, from Joan of Arc to pirates, projected during the opening. But the concept isn’t held so tightly that it detracts from the adorably crazy fun.

Ensemble Les Musiciens du Prince-Monaco plays with silky wit for Gianluca Capuano, who leads a cast as expertly laid-back as Bartoli – including Alessandro Corbelli, Nicola Alaimo and, as Basilio Nosferatu-esque, Ildebrando D’Arcangelo. And the existence of a rarely performed mezzo version of the climactic aria “Cessa di più resistere” allows Bartoli to exchange verses with the nimble young tenor Edgardo Rocha.

The other opera at the relatively intimate Haus für Mozart this summer also draws inspiration from cinema: Mozart’s ‘The Magic Flute’, framed by director Lydia Steier as ‘The Princess Bride’, with a grandfather telling the story to a young child. — here, three boys. Like when this staging was new, in 2018, it’s a nifty way to super-compress the work’s extensive spoken dialogue.

Four years ago, the production was spread out in the biggest room of the festival; now it has been crushed into its smallest. Steier wisely ditched a whole slew of steampunk circus imagery and focused more on the plot as a parable of the start of World War I, with touches of “Little Nemo”. It’s subtle work because the boys gradually become participants in the action, not just observers. The Philharmonic performed under Joana Mallwitz with an ideal blend of sharpness and roundness.

Not all Salzburg festivals include a revival of a past show; this year there are two. In 2017, Iranian-born photographer and videographer Shirin Neshat’s staging of Verdi’s “Aida” was the summer’s most anticipated offering, a rare full production directed by Verdian giant Riccardo Muti, and the debut by Netrebko in the title role.

Rather in the background was Neshat, her first time doing opera – and a pristine, bland effort. Now, with less starred collaborators, his work has established itself, still decent but deeper. For poetic effect, some of his early hazy, languid videos of crowds moving slowly through the streets and coastlines of the Middle East have been added; his photographs also play a role, and some dancers are covered in Arabic calligraphy, a hallmark of his art.

There are some good ideas, like the eerie and violent renditions of the ballet in Amneris’ bedroom and the triumphal scene. Some bad ones too: Amonasro, Aida’s father, seems here to be a ghost, already dead, at the beginning of Act III, which makes the plot incomprehensible. The Philharmonie’s conducting by Alain Altinoglu is reasonably paced but, compared to the exquisite colors and textures that Muti has elicited, it is otherwise ordinary. (The nocturnal start of the Nile Scene is one of many less evocative passages this year than in 2017.)

The soft-grained Aida by Elena Stikhina and the Amneris worthy of Ève-Maud Hubeaux were impressive, but Piotr Beczala, a resplendent Radamès, was the only truly glamorous singer. And the glamor is, like it or not, part and parcel of the ideal Salzburg experience: an extravaganza of imagination and achievement that surpasses what you can get at the Met or the Vienna State Opera. .

There were grumblings among Salzburg watchers about the two covers and the not-quite-new ‘Barber’, which premiered in June. A budget of nearly $70 million for just three new productions?

This was clearly a warning as the pandemic continues. “I am convinced that this is the right thing from an artistic and economic point of view,” said Markus Hinterhäuser, artistic director of the festival, when announcing the season last year.

But the economic part seems truer than the artistic. “Flute” and “Aida” were improved – the Mozart was tighter, the Verdi more nuanced. The question is whether opera’s most famous and richest summer festival needed rehearsals of two repertoire standards – works that can be seen all over the world during the regular season – in performances which, though solid, weren’t much more ladylike than you’d fit into any big house.

It’s a telling weakness as Salzburg faces renewed competition, particularly from the growing share of France’s Festival d’Aix-en-Provence – and even the Santa Fe Opera, which presented this year’s Tristan und Isolde”, his first Wagner in decades, and a world premiere (“M. Butterfly”). Despite all its resources, Salzburg has recently abandoned large commissions in favor of restoring undervalued modern works.

Aachen and Salzburg went head-to-head this summer, both featuring productions by in-demand author Romeo Castellucci. It was a confrontation that Salzburg largely lost. Aix had a huge, haunting staging of Mahler’s Second Symphony like the exhumation of a mass grave. Here in Austria, however, as Joshua Barone wrote in The Times, Castellucci’s double billing of Bartok’s “Bluebeard’s Castle” and Orff’s “De Temporum Fine Comoedia” was a dark, murky slog, played slowly by the Gustav Mahler Youth Orchestra under the direction of Teodor Currentzis.

But even a booming Aachen lacks the reach of Salzburg’s concert schedule, which begins with a lengthy mini-festival Ouvert Spirituelle and offers an enviable, layered array of often superb orchestral programs and recitals.

This year, the concerts were not all satisfactory. Pianist Grigory Sokolov’s mellow touch was seductive in Beethoven’s “Eroica” Variations and Op. 117 pieces, but slumbered Schumann’s “Kreisleriana”. The voice of tenor Jonas Kaufmann has rarely come to life in a recital, the halves of which have been taken from his last two albums.

But it was moving to see superstar pianist Lang Lang show his respect for Daniel Barenboim by joining this conductor and the West-Eastern Divan Orchestra for Manuel de Falla’s “Nights in the Gardens of Spain”, not at all a virtuoso centerpiece. And while the Vienna Philharmonic Orchestra conducted by Andris Nelsons confused Bartok’s Piano Concerto No. 2 with Yefim Bronfman, the orchestra sounded sumptuously ripe in Mahler’s Fifth Symphony.

More memorable was a less elated and less publicized concert: one of the festival’s 11 a.m. weekend Mozart matinees featuring the Mozarteum Orchestra. These matinees often have the happiest and most vibrant renditions at the festival, and last week’s program was no exception, brilliantly led by Adam Fischer.

The Mozart Matinees are well attended and welcomed with pleasure. But they still feel like a Salzburg secret.

A collector of priceless artefacts from the struggle for freedom

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The home of businessman Jayaprakash Sarda in Shanthinagar holds a special treasure like no other – priceless artefacts related to Indian independence and freedom fighters such as Mahatma Gandhi, Netaji Subhas Chandra Bose, Sardar Vallabhbhai Patel, Jawaharlal Nehru and others.

Collected over three decades, it boasts stamps issued by 125 countries around the world on Mahatma Gandhi, 10,000 pre-independence newspapers and 1,000 magazines on various issues, letters written by freedom fighters like Gandhi , Nehru, Patel, Bose, Chowdary Charan Singh, Jairamdas Daulataram, Ghanshyam Das Birla, Jamnalal, Anugraha Sinha and others. Things related to Gandhi and Bose are the most numerous.

Mr. Sarda told The Hindu, “I started collecting items 35 years ago with stamps. The passion kept growing and in the late 90s I started collecting medals, newspapers and photographs, and over time I developed the passion for India as a country and I started collecting a lot about Indian freedom fighters and Indian independence. .”

This resulted in an original set of newspapers from 1857, which tells us the story of India’s first war of independence, a set of rare crockery given to VIP members of the All India Congress Committee (AICC) session where the flag with ‘charaka’ was adopted in 1930, more than 354 original photographs of Gandhi, 75 original photographs of Bose and other freedom fighters, among others.

Mr Sarda says a ‘charaka’ used by Gandhi is a prized possession. A rare wall clock, which is still in good condition and was made around 1928 or 1930 with an image of Gandhi, Balagangadhar Tialk and vande mataram written on it, and a German made Gandhi image torch made in 1929 is also included from this list, among others as a control sheet with an image of Gandhi, notepads with images of Gandhi and Bose, key rings, medallions, buttons, etc.

Bose brand ambassador

A rare possession in his collections is an item featuring Netaji Subash Chandra Bose as the ‘Orient Fan’ brand ambassador. Mr. Sarda has the original Bose copy featured in an Orient Fan ad. It also has a full-page advertisement of Sarojini Naidu.

He also has several silver coins with images of Gandhi, hats with images like the slogans of Gandhi, Bose, Jai Hind, Nehru, Bharat Mata and Akhand Bharath, a rare handkerchief with images of Gandhi, Churchill and Hitler, a biscuit tin with Gandhi’s image, Gandhi’s hanging watch, hairpins with Gandhi’s image produced in 1930, about 300 original paintings from different ambiences of Sabaramati Ashram, about 10 original newspapers announcing Gandhi’s death, King George one rupee note autographed by Gandhi, playing cards, sugar packets, bear casters, cigar labels, locks, train tickets with Gandhi’s image, ink dipped pen with Gandhi’s images , Bose, Nehru, among others.

He has exhibited over 150 times at many colleges in the state and he will be exhibiting them again on August 15 at Jain College, Jayanagar as part of ‘Azadi ka Amrit Mahotsav’ celebrations.

“I want to create a small museum that everyone can visit and which will present the history of India. We have inherited a great culture. My older brother helped me a lot financially and otherwise. I will appeal to my daughter and my brother’s daughters to take care of it so that it remains for future generations,” he said.

Argentina vs Australia live stream: How to watch Rugby Championship 2022 from anywhere, team news

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If this second clash between Argentina and Australia looks anything like the first, we’re ready for another cracker. Los Pumas emerged from the traps to lead 19-10 in the interval, only for the Wallabies to rally brilliantly in the absence of skipper Michael Hooper and ran out 41-26 winners. Los Pumas are a different beast under Michael Cheika, but can they convert beautiful moments into 80 minutes of sustained excellence? Read on as our guide explains how to get Argentina v Australia live stream and watch Rugby League 2022 online from anywhere.

Cheika has made four changes to the Argentine roster, with winger Juan Imhoff, center Matias Moroni, loose prop Thomas Gallo and scrum-half Gonzalo Bertranou in the squad. They will be encouraged by the news of many absences from the Australian side and could also rejoice in the All Blacks’ surprise victory earlier today.

James O’Connor makes his first start of the year for the Wallabies, taking over from injured Quade Cooper and Mr. Versatile Reece Hodge, who starts on the bench. Folau Fainga has joined Cooper on the physio table, meaning Lachlan Lonergan is starting a test for the first time.

Argentina vs Australia live

Date: Saturday August 13

Kick-off time: 4:05 p.m. ART (local) / 8:05 p.m. BST / 9:05 p.m. SAST / 3:05 p.m. ET / 5:05 a.m. AEST / 7:05 a.m. NZST

Venue: San Juan del Bicentenario Stadium, San Juan

Direct: sky sports (opens in a new tab) (United Kingdom) | Super Sports (opens in a new tab) (AS) | FloRugby (opens in a new tab) (United States) | Stan Sports (AU) | Sky Sports (opens in a new tab) (NZ)

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Jordan Petaia sparked the Aussie fightback last weekend, before Fraser McReight (with a literal helping hand from debutant Jed Holloway), Fainga’a and Len Ikitau all went through the whitewash, although Dave Rennie may have been a little worried about the ease with which Argentina were able to decide in their team.

It took five minutes for Pablo Matera to go over the top, after a deft exchange with Santiago Carreras. Juan Martin Gonzalez’s effort was undoubtedly the opening weekend try. Juan Cruz Mallía started the move deep in his own half, before offloading to Matera, who ran hard to set up the easiest task for Gonzalez.

Hodge has been outstanding for the Australians after replacing Quade Cooper but doesn’t get the wrong impression that O’Connor and Noah Lolesio need a run in the squad. Cheika’s men, meanwhile, will have to resume the fight without their own general Nicolas Sanchez, himself injured.

Follow our guide as we explain how to get an Argentina vs Australia live stream of the Rugby League match wherever you are.


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Reviews | New York Times interview with Elizabeth Holtzman

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And I said to them at the subcommittee, what do you think? And I’m talking to real right-wingers. And I said, you know, we don’t really need it, because if they commit violence, you can bring them down to other aspects of the code, I think. And they said, you know, maybe you’re right. And they said, let’s ask the Department of Justice.

We asked the Department of Justice. They said it was redundant. I therefore had a unanimous vote to eliminate the Smith Act from this bill. The bill never saw the light of day because ultimately nobody wanted to pass a whole revised criminal code. He had too many other problems. But this, again, is a good example of getting Republican votes on very theoretically controversial issues.

So I was able to work with the Republicans and gain their support. I can’t say that I have a miracle solution. And these Republicans are not the same ones I worked with. I have no illusions about that. But at least I had the means to start working.

Mara Gay: Thank you. So there’s been a lot of talk, of course, about inflation, which hits all Americans hard, but I really want to ask you what you could do to ease the burden of housing costs, which is a much bigger problem important to the constituents who would serve you.

Right. Well, housing is a really, really, really big deal. And one of the things I thought of, because I have a bit of experience in this area. I was not on a housing committee. So, I mean, I can easily answer some constitutional questions, but I’m not a housing expert. But I’ll tell you two things that I’ve done, and they kind of suggest possibilities for the future.

Opinion debate
Will the Democrats face midterm annihilation?

One is that insurance companies were reviewing areas in New York when I was in Congress to prevent borrowing. This, in essence, froze borrowing in areas of majority minority residence. And you can’t easily beat the insurance companies, but we did. We were one step ahead of them.

B-52 chose the producers of “Cosmic Thing” via a medium

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The B-52s picked producers Don Was and Nile Rodgers to work on their 1989 comeback album. cosmic thing via a medium, revealed singer Kate Pierson.

The band discussed the hit LP – which brought them together after guitarist Ricky Wilson died and became their best-selling work – in a chat with The New York Times about their upcoming final tour.

“I lived in a house across the pond from Keith [Strickland], and I was canoeing to his house,” Pierson said. “He played me a few things, then we all got together. We said, “This is for us, for our healing, and this is for Ricky.” It was kind of miraculous that we got back together.”

She noted that cosmic thing becomes an autobiographical work. “[T]he songs just came together in a kind of story. It really came straight from the collective heart of the band. And it poured out, all that innocence stuff that we had [when we started] in Athens [Ga.].”

While not concerned with writing hit singles, singer Fred Schneider recalled, “We had to beg radio stations to play ‘Love Shack’ because it didn’t sound like anything. 1 on college and alternative radio, that’s when mainstream radio picked it up. And once it happened, it’s like, ‘Oh my God! ‘”

Asked about the selection of Was and Rodgers as producers, Pierson said, “We interviewed Todd Rundgren, who said, ‘I have a warrant. I’ll tell you what to do, and you’ll do what I say. ‘ He didn’t say it that way, but he used the word ‘mandate’, and we were like, ‘No.’ She continued, “A friend’s mom, who is a psychic and knows nothing about music, through the list of producers and said, ‘Spirit Guides love Nile Rodgers and Don Was too.’ She had no idea who they were.”

Referring to the fact that the B-52s have only released one album in three decades, Strickland said, “The way we write is complex and time-consuming, because it’s so collaborative. And it would get sometimes controversial – you edit a part and someone says, ‘This is my favorite part.’ We’ve never been a group that just pumps.”

The group will begin their farewell tour on August 20, ending November 13. “We’re not giving up – we’re just moving on to the new phase of our lives, which is a documentary,” Pierson said. “We have worked hard to uncover archival material, such as Super 8 images and photographs.” Schneider added, “We’ll still be doing shows, but no more touring. I love being on stage, but I’m sick of people with cell phones not paying attention and blocking everyone behind them.”

2022 Classic Rock Tour and Festival Preview

More and more artists are returning to the stage.

Mindful matchbox art helps Bundaberg’s Marlies Oakley deal with floods and COVID

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A South East Queensland artist is on the hunt for matchboxes, but the only fire she cares about is a creative spark.

Sharks jumping into a waterspout, penguins mingling with nuns and a space shuttle flying over the Sydney Opera House tell some of the stories that run through Marlies Oakley’s head.

The German-born Bundaberg woman creates miniature stories inside matchboxes using a cut-and-paste collage technique, then stitches the boxes together to create large voyeuristic works of art.

The individual stories contained in matchboxes symbolize disconnection and isolation.(ABC Wide Bay: Brad Marsellos)

“Every matchbox is different,” Ms. Oakley said.

“They consist of a background, with a few other elements in the matchbox for a 3D format. Everything is glued and cut by hand.”

Ms Oakley started working with the collage after her home and business were devastated by the Bundaberg floods in 2013.

Her early works involved cutting postage stamps to create large-scale portraits and the process helped calm her mind.

A portrait of Donald Trump created from postage stamps.
Ms. Oakley’s early collage work involved portraits created from postage stamps.(Supplied: Marlies Oakley)

Working with matchboxes was triggered by more recent stress – the COVID-19 lockdowns.

“A few years ago I got a big box of matches at the Tender Center,” Ms. Oakley said.

“I forgot about them, but then I opened them during the COVID lockdown and thought, ‘Oh, what can I do with them? and I started sticking them.”

Each matchbox contains its own ‘weird’ or ‘quirky’ little story and when linked represents the common feelings of isolation and disconnection during lockdowns.

“These are all their own stories because during COVID we’ve all kind of been inside our own homes and cocoons and no one has come out,” she said.

Matchboxes filled with little pictures pasted inside.
Each matchbox has a background, with images pasted together to form an individual story.(ABC Wide Bay: Brad Marsellos)

“We started thinking inside our own box.

“I love them all, I just laugh when I see them.”

Matchboxes arouse interest

The artworks have caught the eye of galleries, with Ms. Oakley winning several art awards for her works, including the prestigious Martin Hanson Memorial Art Award and the Highly Commended Lethbridge Gallery Small Art Award, two years in a row.

His 2022 entry ‘Thinking Inside the Box (cubed)’ is 462 matchbox stories tied together to form a cube.

The cube took Ms Oakley around a week to create, in a process she describes as a “memory game” where she surrounded herself with images she had cut.

Creating the stories is a conscious practice for Ms. Oakley, but it was the cutting out of the little pictures from op-shop books and magazines that was most helpful in calming her mind.

A woman is holding a large box which is a work of art featuring matchboxes with miniature collages.
Marlies Oakley with her cube telling 462 collage stories.(ABC Wide Bay: Brad Marsellos)

“For hours I just delete things,” Ms. Oakley said.

“Even if I don’t cut a day, every night, even in front of the TV, I cut things – it’s part of my life now.

“I had a vacation for three weeks and didn’t and at the end I thought, ‘I need this, I miss it’. I go into my little world and cut and glue.”

An expensive business

The supply of matchboxes is one of the only downsides to Ms. Oakley’s designs, with many stores no longer stocking them.

And they are not cheap.

“It’s quite expensive to find the old matchboxes,” Ms Oakley said.

“But I found a really good supply at a big hardware store – not sure if they use them for barbecues or anything, but you can always find them.”

She removes the matches and places them in a large jar, which she might use in an artwork in the future.

Ms. Oakley’s artwork “Thinking Inside the Box (cubed)” is currently on display at the Bundaberg Regional Art Gallery as part of the HERE+ now 2022 exhibition, which runs until November 13.

The Invisible Leader – Bywire Blockchain News

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LONDON (Bywire News) – Look, I know the blue-tic legion, lib hacks won’t touch on the subject of Starmer being even quieter than usual (who knew that was possible). They need to toe the line and keep regurgitating the jaded narrative that Starmer is ‘eligible’, ‘the adults are now in charge’ and he is playing 3D political chess while ‘letting the conservatives tear themselves apart’ hence the silence radio.

It’s all part of a grand plan – and anyone who dares to criticize the Great Leader is something of a conservative enabler. Which is absurd; absolutely no one should be above being held accountable. It is a very dangerous and slippery slope. Dear Leader deserves to be criticized as much as anyone else. If he doesn’t win the election, it will be because of his own incompetence, not because Owen Jones sent in a critical tweet.

Compare Starmer’s tenure as Labor leader so far with Corbyn’s five years as leader. There was little criticism of Starmer’s act of invisibility, as Corbyn was regularly hounded and rammed by reporters virtually every time he left his north London home. The man had no right to a moment of peace.

Corbyn was even reviled for daring to sleep (SLEEP!!) on a train during a rugby match.

On October 26, 2019, the headline of the Daily Mail read: Jeremy Corbyn is caught taking a nap on a train to Scotland as the rest of the country cheer on England against the All Blacks.

Resignation

So far, Starmer has excelled in one area: avoiding big calls and meltdowns. He is not someone who should be prime minister.

Sooner or later the penny has to drop, right? RIGHT? Keir Starmer isn’t going anywhere fast. Despite the best efforts and goodwill of his dedicated herd.

Labor must act, and fast – replace Starmer before it’s too late. Otherwise, millions of people who rely on a Labor government may well be relegated to another five years of Tory rule. Let it be on their heads.

Surely it was bad enough when Starmer was late to the party with a covid response and then ended up backing Boris Johnson’s government anyway; more or less silent during the RMT strike; silent on the conclusions of the Forde report; failed to take action against transphobia in the Labor PLP, and so on.

Not to mention the reneging on his promises of leadership, which is a whole other issue that will haunt him.

Time and time again, when a major problem arises, Starmer is conveniently occupied and, once out of hiding, sits on the fence. Offering absolutely nothing of substance.

And now, true to form, it is nowhere to be found during an economic crisis unprecedented in modern times.

With news earlier this week that energy bills are set to climb higher than expected in October, Starmer didn’t even bother to make an appearance, offer solutions, reassure people. Not a single tweet or press release. Nothing. Nothing. No.

Instead, moneysavingexpert.com founder Martin Lewis took the lead, appearing on TV and tweeting:

Tragic news. The latest prediction from @CornwallInsight, based on Ofgem’s new methodology, is an 81% rise in the price cap in October (bringing the typical bill to £3,582/year) and a further 19% in January (so 4 £266/year).

Action and planning are needed now.

Gordon Brown also made the rounds in Starmer’s absence, offering ideas to resolve the crisis. The former prime minister has called for the renationalisation of energy companies as a “last resort” in the face of skyrocketing bills until “the crisis is over”.

We deserve better

With Boris Johnson on the verge of leaving and the Tories embroiled in an endless, navel-gazing leadership race, there is a political vacuum. Starmer falls short and, frankly, his silence is deafening. He should take advantage of this period and show the country what kind of prime minister he would be. Instead, he wastes it.

Open goal after failed open goal.

It goes without saying that the country deserves better than Johnson, Truss and Sunak.

However, Labor needs to take serious stock now, with Truss ahead of Starmer in recent polls, disaster looms if Labor continues with a leader who is afraid of his own shadow and constantly treads on shells of eggs in order to appease the right rags. .

A radical change is needed. The circumstances in which the country finds itself are an example of this. A strong opposition is also needed more than ever. The country needs strong leadership.

The future of progressive politics is Mick Lynch, not Keir Starmer.

Ultimately, if Starmer can’t briefly take a vacation to deal with a serious national crisis (although it could be said that he’s been on vacation since becoming leader), what justification is there- to vote for him in general elections?

There will be no significant evidence that this person who became an MP in 2015 is up to the task of leading the country.

We need a Labor Prime Minister who will be there when needed, not one who will always fail to act.

Enough is enough.

Over to you, Labor.

(Writing by Jason Reid, editing by Klaudia Fior)

Average HELOC and Home Equity Loan Rates for the week of August 11, 2022

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Home equity loan rates saw only modest changes this week as reports gave signs that the high inflation that has dominated economic headlines this year may be starting to ease.

Average home equity loans and lines of credit (HELOC) rates rose slightly, but nowhere near the significant increase seen for HELOCs last week. The move came as lenders factored in a hike in the Federal Reserve’s short-term benchmark rate as part of an ongoing campaign to contain high inflation.

There was some positive news on the inflation front this week, as the Consumer price index posted 8.5% year-on-year inflation in July, down from 9.1% in June.

Inflation plays a role in what happens with home equity loans and HELOC rates. Index-linked floating rate HELOCs often move somewhat in step with changes made by the Federal Reserve, and the longer inflation persists, the more likely the Fed is to keep raising its rate. Home equity loans have rates set more on the lender’s cost of borrowing money, which is influenced by the Fed and inflation, among other factors.

Here are the average rates as of August 11, 2022:

Type of loan Price for this week Last week’s price Difference
$30,000 HELOC 6.51% 6.38% +0.13
10-year $30,000 home equity loan 7.05% 6.91% +0.14
Home equity loan of $30,000 over 15 years 6.99% 6.92% +0.07
Source: discount rate

How these rates are calculated

These rates come from a survey conducted by Bankrate, which, like NextAdvisor, is owned by Red Ventures. Averages are determined from a survey of the top 10 banks in the 10 major US markets.

How do home equity loans and HELOCs differ?

When your home is worth more than you owe on mortgages and other home loans, that difference is called equity. With a home equity loan or HELOC, you use this money as collateral to borrow money. Home equity loans and HELOCs work differently:

Home Equity Loans are installment loans where you borrow a lump sum of money up front and repay it with fixed payments over a set number of years at a set interest rate.

HELOC are more like credit cards, in that the bank gives you a limit on how much you can borrow at one time – a line of credit – paying interest only on what you borrow. The interest rate is often variable, meaning it will change over time with the market, usually based on a benchmark like the preferential rate.

Interest rates for home equity loans and HELOCs are expected to continue to rise through the remainder of 2022. Many HELOCs base their variable rate on the preferential rate, which tends to follow increases in short-term interest rates by the Federal Reserve. The Fed has raised that benchmark rate four times so far, most recently in late July. For home equity loans, rates are also expected to continue to climb as banks’ borrowing costs increase.

Homeowners have never had so much net worth

Thanks in large part to a dramatic rise in home prices over the past two years, American homeowners have never had so much equity to borrow. ATTOM, a real estate data company, reported that in the second quarter of 2022, nearly half of mortgaged residential properties were considered “equity rich,” meaning that mortgages and other home loans were not covering more than half of their value.

A similar report from Black Knight, a mortgage technology and data company, showed that total usable equity of US owners — which they could borrow against while retaining 20% ​​— hit a new high of $11.5 trillion in the second quarter, but that growth has slowed as price growth has slowed.

Consumers looking to tap into that equity are turning more to home equity products this year due to dramatic increases in mortgage rates, which have made cash refinances less attractive. Withdrawal refis were popular when mortgage rates were at record highs, but mortgage rates have risen more than two percentage points since the start of the year, making consumers much less likely to want to take a rate lower on their mortgage just to get some. cash.

Home equity loans and HELOCs can be risky

Like a mortgage, home equity loans and HELOCs are secured by your home. If you don’t repay, the bank can repossess your house. It’s also important to understand that just because the value of your home has gone up doesn’t mean it will stay there forever. Real estate values ​​can drop. Your local market might even see prices drop as national averages rise.

This added risk means you shouldn’t use a home equity loan or HELOC for just anything. They are most often used for major home renovations, which can be expensive, but often increase the value of your home when completed. Experts warn against using them to finance a more expensive lifestyle or for debt consolidation.

Pro tip

A home equity loan or HELOC is often a good, relatively cheap way to borrow money, but the risk it places on your home means you need to be careful about what you use it for. Experts advise against using a HELOC to fund a more expensive lifestyle.

Missing NH Girl Timeline – NBC Boston

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The case of Harmony Montgomery, the 8-year-old New Hampshire girl who has been missing for more than two years, has been closely followed by people across New England. Complete strangers, even, have become so invested in the search for the little girl that they have volunteered for an intense search in the wooded areas of Manchester.

New Hampshire authorities are expected to provide an update on the case at 2 p.m. Thursday. They did not provide details about what they might reveal about the investigation into Montgomery’s disappearance.

The case has unfolded over the past eight months with frequent developments, many of which involve legal action against Harmony’s father, Adam Montgomery, and stepmother, Kayla Montgomery.

Here’s a recap of Harmony Montgomery’s disappearance case so far.

Investigators haven’t said anything about any new clues they may have uncovered when they conducted an extensive search in New Hampshire.

Easter 2019: Harmony’s birth mother, Crystal Sorey, told NBC10 Boston that this was the last time she spoke to Harmony on Facetime.

Sorey lost legal custody of the girl in 2018 as she struggled with substance abuse issues. Harmony’s father, Adam Montgomery – who had legal custody – blocked any contact. He was living in Manchester at the time.

Sorey, who lives in Massachusetts, said she then called schools in New Hampshire, drove past homes associated with Harmony’s father and made several calls to the New Hampshire Division of Children, Youth and Families. .

October 2019: Manchester Police, Harmony was seen on a Manchester Police duty call in October 2019 at a residence in the city. This was the last time she was seen in Manchester, police said.

December 31, 2021: Manchester Police say they have received a report that Harmony Montgomery has not been seen since late 2019. “The circumstances surrounding this prolonged absence are very concerning and are being fully investigated,” the department said in a statement. a statement.

December 2021 – January 2022: Authorities repeatedly search a home on Gilford Street in Manchester, New Hampshire, which they say in a press release “is the focus of the investigation as it is the last place Harmony resided before his disappearance in 2019”.

January 4, 2022: Harmony’s father, Adam Montgomery, is arrested for notably failing to have Harmony in his care. He pleaded not guilty.

Harmony Montgomery has not been seen since late 2019, shortly after a court awarded custody to her father, Adam Montgomery.

January 5, 2022: The wife of Adam Montgomery, Harmony’s stepmother, is arrested and charged with social fraud for allegedly collecting food stamps for the young girl when she was no longer living with the couple. She pleaded not guilty.

January 8, 2022: Speaking first to NBC10 Boston, in his first public comments since the mysterious disappearance, Sorey had this message for his 7-year-old daughter: “Hi, baby. If you can see and hear me, I want you know that I’ve never stopped looking for you and I won’t stop fighting until I find you, okay? You stay strong and mom is here to defend you. I love you! “

January 9, 2022: Police are investigating the house in Gilford Street where Harmony was known to have lived in Manchester for the second day in a row.

Investigators have brought specialist equipment to the house as part of the ongoing investigation into Harmony’s disappearance. An underfloor heater was seen parked in the driveway of the house; machines typically used in the winter months to help thaw the ground. A criminal tape has sealed off the sides of the house that lead to the backyard.

January 10, 2022: Manchester Police said the multi-day search of the Gilford Street home was over and offered no further details of what, if any, had been found, citing the ongoing investigation.

Harmony Montgomery has not been seen since late 2019.

January 11, 2022: Court documents show prosecutors plan to drop a welfare fraud charge against Harmony’s stepmother, Kayla Montgomery, for collecting food stamps on her behalf and replace it with nine other charges, including theft. The cash reward amount on information deals leading to the girl reached $100,000 through donations.

January 12, 2022: New documents reveal Harmony’s birth mother’s email calls for help in getting answers about her daughter’s whereabouts. Sorey asked for help in emails with the subject “my daughter is missing/in danger and dcyf won’t help me”.

Police reports obtained by NBC10 Boston show 29 calls for service to the Gilford Street home where Harmony last lived between 2018 and 2020, including domestic incidents involving Adam Montgomery, Kayla Montgomery and other adults at the home.

January 24, 2022: The New Hampshire Attorney General’s Office said the investigation to date has narrowed the window of Harmony’s disappearance to less than two weeks in 2019, November 29, 2019 and December 10, 2019.

Harmony Montgomery’s face is now on billboards, two years after she was last seen at a home in Manchester, New Hampshire.

March 24, 2022: Harmony’s father’s girlfriend, Kelsey Small, was found dead. The police do not consider him a suspect.

March 25, 2022: Adam and Kayla Montgomery are charged with the charges originally brought against them in January.

Adam Montgomery is charged with second-degree assault for knowingly causing bodily harm to Harmony by punching her in the face. He was arrested Jan. 4 on a warrant charging him with second-degree felony assault stemming from the 2019 conduct against Harmony, as well as a misdemeanor charge of interference with custody and two misdemeanor charges of endangering the well-being of a child belonging to his daughter. .

Kayla Montgomery is facing a charge of theft by deception, alleging that she lied last year that Harmony was in her house claiming food stamps over $1,500.

April 2, 2022: Dozens of volunteers gather early on a Saturday morning to privately search a wooded area off Second Street in Manchester. According to family members, the area is known to Harmony’s father.

April 4, 2022: Authorities say Adam Montgomery is facing a series of firearms charges related to a robbery dating back to 2019.

Harmony’s mother was at the wake on Saturday and said she wanted her daughter to know she was loved.

April 6, 2022: Adam Montgomery was due back in court, facing a series of firearms charges, but dropped his arraignment.

April 7, 2022: NBC10 Boston learns that the State of New Hampshire has offered Kayla Montgomery a plea deal, as the welfare fraud case winds up in court, but her defense attorney says they are not not even close to making a deal.

April 12, 2022: Authorities announce that Kayla Montgomery is charged with two counts of receiving stolen property related to a firearms theft that took place in September or October 2019.

May 4, 2022: A report concludes that Massachusetts officials did not consider Harmony Montgomery’s well-being “on an equal footing” with her parents’ rights before releasing her into her father’s custody.

In the results of its investigation, the state’s Office of the Children’s Lawyer said a lack of focus on Montgomery’s needs versus the rights of his parents, Adam Montgomery and Crystal Sorey, resulted in “a significant placement instability for Harmony”.

May 6, 2022: Kayla Montgomery is released on bail. She had been held on $5,000 bond since January, when she was arraigned for welfare fraud.

“Clearly she doesn’t care about Harmony,” Crystal Sorey told NBC10 Boston in an exclusive interview. “She doesn’t care to let anyone know where Harmony is.”

New Hampshire officials are recommending systematic changes following Harmony Montgomery’s disappearance.

June 4, 2022: Authorities confirm that Kayla Montgomery was taken into custody by Manchester Police for perjury, for allegedly lying to a grand jury.

June 6, 2022: Kayla Montgomery drops her indictment for perjury. Bail is set at $5,000 and she is not allowed to leave the state.

June 14, 2022: A major police search is conducted at the former home of Adam and Kayla Montgomery. Officials are not revealing any new details about the search or investigation.

June 28, 2022: Adam Montgomery is charged with eight new counts. He now faces new firearms and theft charges, including two armed career criminal charges, which carry a mandatory minimum sentence of 10 years. He’s not charged with Harmony’s disappearance. He has been in prison since January and could be tried as early as November.

August 11, 2022: Authorities should provide an update on the investigation into Harmony’s disappearance. Attorney General John M. Formella and Manchester Police Chief Allen Aldenberg are due to speak at a press conference on Thursday afternoon. Their agencies work alongside federal authorities, including the FBI and the US Marshal’s Service.

You can watch this press conference live and online with NBC10 Boston.

TIMELINE: Finding Harmony Montgomery

Debt Consolidation Market Research Methodologies Deliver High Growth Business Outlook 2022-2028

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The size, status and forecast of the global debt consolidation market for 2022-2029. A comprehensive analysis has been compiled to provide the latest data on the strategic aspects of the far-reaching market.

The research report offers an in-depth look at current trends, latest expansions, market size, limitations, and major players along with their profile details. The study is perhaps an ideal balance of qualitative and quantitative information highlighting key market developments, competition industry analysis, and new available opportunities and trends within Debt Consolidation. . Additionally, this report gives Debt Consolidation size, historical and current trends, SWOT analysis, market dynamics, regulatory situations and advancements. With everyone’s help this information research report helps market contributors to develop their positions in the market. The debt consolidation market report focuses on the market opportunities of Global and regional perspectives.

The debt consolidation market should to succeed at a CAGR of 9% between 2022 and 2029.

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The distinguished PLAYERS of the Top Major are:

Goldman Sachs, OneMain Financial, Discover Personal Loans, Lending Club, Payoff, Freedom Debt Relief, National Debt Relief, Rescue One Financial, ClearOne Advantage, New Era Debt Solutions, Pacific Debt, Accredited Debt Relief, CuraDebt Systems, Guardian

Divide the world Debt Consolidation Market by Product Types and Application

By type –

Credit card debt

Student loan debt

medical bill

Apartment leases

Others

By apps –

Company

Personal

REGIONAL ANALYSIS

North America (United States, Canada, Mexico)

Europe (Germany, France, UK, Russia, Italy)

Asia-Pacific (China, Japan, South Korea, India, Southeast Asia)

South America (Brazil, Argentina, Colombia, etc.)

Middle East and Africa (Saudi Peninsula, United Arab Emirates), Egypt, Nigeria and South Korea)

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  • Global Debt Consolidation Consumption, Revenue Share and Sales of these companies/companies in these various regions of major countries/regions (2022-2029).
  • Introduction Global Debt Consolidation Market Drivers, Post COVID Effect Analysis, Porter’s Five Forces, Supply/Value Chain, PESTEL Analysis, Market Entropy, Market Analysis patents/trademarks registered in the current years.
  • Global Debt Consolidation Market Analysis and Forecast by Type and End User, and Region/Nation.
  • Evaluate leading manufacturers in the Global Debt Consolidation Market including their Competitive Landscape, Peer Analysis, BCG Matrix & Company Profile, New Project Feasibility Analysis.
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Table of Contents Debt Consolidation Market

Chapter 1: Debt Consolidation Market Summary, Drivers, Restraints & Outlook, Segmentation Summary

Chapter 2: Market competition by manufacturers

Chapter 3: Production by regions

Chapter 4: Consumption by regions

Chapter 5: Production, by Types, Revenue and Market Share by Types

Chapter 6: Consumption, by Applications, Market Share (%) and Development Rate by Applications

Chapter 7: identification and inclusive analysis of Producers

Chapter 8: Cost analysis, personnel analysis, regional production expenses.

Chapter 9: Industry chain, supply method and downstream consumers

Chapter 10: promote strategic analysis, distributors/dealers

Chapter 11: Analysis of market outcome factors

Chapter 12: Market forecast

Chapter 13: Debt Consolidation Marketing Research Findings and Conclusions, Appendix, Methodology and Information Provision.

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Finally, the researchers published data on the detailed analysis of Global Debt Consolidation. It further measures the long models and platforms that support the development of the market. The analysis report further assesses the extent of the fight. The market has been comprehensively observed through the exploitation of SWOT analysis and Porter’s 5 analyses. It further helps in managing the risks and difficulties of the business. It further includes an important analysis of sales techniques

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August 11. Kazinform Major Events Timeline

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NUR-SULTAN. KAZINFORM – Kazinform Timeline is the one-stop-shop where you can learn about historical events and dates for August 11. Learn about notable events that happened throughout Kazakhstan’s history on August 11.

EVENTS

1995 – The memorial mausoleum of Abai and Shakarim is opened in the Zhidebai tract.

2009 – The solemn opening of the Kazakh-Japanese exhibition takes place at the UN headquarters in New York.

2010 – The book “Strategy for the Radical Renewal of the World Community and Partnership of Civilizations” by the President of Kazakhstan, Nursultan Nazarbayev, is translated into Arabic and published in Saudi Arabia.

2016 – The new infrasound station for recording unauthorized nuclear tests at the test sites of the world is launched in the village of Makanchi, in the East Kazakhstan region.

2017 – Kazakh judoka Nurzat Salimbayev wins 60kg silver at the Cadet World Championships in Santiago, Chile.

2018 – The solemn opening of the transport hub – Kuryk Port ferry complex takes place in the Mangistau region.

2018 – Kazakhstan assumes the chairmanship of the CIS Tourism Council.

2019 – The Museum of Islamic Art is open at the Khalif Altai Mosque in the city of Ust-Kamenogorsk.

2020 – Bulgaria holds the official opening ceremony of a bas-relief of Abai at the Alley of Distinguished Persons in Sveti Vlas.

2021 – The collections of Abai’s Book of French Words are given to the Fund of the Royal Library of France.

2021 – A cancellation ceremony for stamps made in Spain is held at the International Turkish Culture and Heritage Fund in Baku on 175e birthday of the poet Abai.

PlugShare EV stations increase by 50%, registrations pass 5 million

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One of the best apps for EV drivers since I’ve been in and writing about the EV industry is PlugShare. It will find you charging stations of all types in your area or wherever you go — anywhere in the world. As a crowd-sourced project, EV drivers help each other by adding information and pictures about the charging stations they use, and are particularly helpful in “checking in” and sharing whether the chargers are working or not. with timestamps. If a charger is down, you can see it through the app without wasting your time going to the station. If a new station is added but not online yet, you can see it – or you can see when it’s online. Users can also add the rate (kW) at which they were able to charge, which is useful because a station’s actual charge rate is sometimes quite different from its official rating.

A Florida-centric PlugShare screenshot taken in August 2022.

PlugShare has now reached a milestone in its contribution to the life of electric vehicles: users have “registered” on the app 5 million times.

Additionally, the number of EV charging stations on the app increased by 50% from June 2021 to June 2022, from ~400,000 to ~600,000.

Additionally, the company recently reached 2.5 million registered users!

The app has been “part of the EVgo Inc. (NASDAQ: EVGO) family since mid-2021,” and EVgo has shared news of these recent milestones.

EVgo shared more about how the app works and how it helps EV drivers around the world: “As an interactive resource for EV drivers, PlugShare allows users to easily locate and navigate to chargers , filter results based on their preferred network, charging speed or connector type (CHAdeMO, CCS, J-1772, Tesla) and share real-time charging station reviews around key factors such as nearby amenities or charging equipment performance.These community feedback directly informs a station’s PlugScore, which reflects the charging experience of recent drivers. users at stations improves the accuracy of these PlugScores, providing an increasingly valuable service as millions of new electric vehicle drivers They are navigating through their first electric vehicle charging experiences.

PlugShare’s network showed that the industry’s exponential growth continued into 2022. In the first half of this year, it added almost as many EV fast charging stations as it did in 2021. Globally, the number of DC fast chargers has exceeded 100,000. That’s a 50% increase in just one year, or a doubling every two years.

In Q2, the total number of EV charging station locations on PlugShare increased by 21.9% and the total number of chargers increased by 25%. This is “the largest quarterly increase in the history of the platform”.

“Providing valuable data and tools to help improve the daily charging experience for electric vehicle drivers is critical to our business, no matter where they charge,” said Dan Wheeler, director of digital marketing at PlugShare. “Our growth in overall user numbers and engagement directly demonstrates how drivers are increasingly using digital tools to make real-time charging decisions, and we’re excited to see this influx of user contributions so that we are helping to support the growth of electric vehicle adoption around the world.”

You can now also pay for the recharge on PlugShare. “Pay with PlugShare” allows you to start a charging session directly from the app and also pay for charging.

For more on EVgo’s recent business development, see: EVgo Inc. Reports Second Quarter 2022 Results.

Or read more EVgo or PlugShare stories here on CleanTechnica.


 

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The Basic Loan Terms Everyone Should Know Before Borrowing Money

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Image of article titled Basic Loan Terms Everyone Should Know Before Borrowing Money

Photo: hello (Shutterstock)

If you want to buy a house or pursue higher education, you will probably need a loan. Thowever, there are many different types of loans, and they can be confusing. here are the big guys who you should know (and you should read this economic glossarytoo).

The basics of a loan

A loan is money (or sometimes property or other physical property) given by a lender to a borrower on the understanding that the borrower will repay it with interest. Banks usually give loans to individuals or organizations.

Here are some of the main types of loans, by Experian Financial:

  • Personal loans are loans that can be used primarily whatever the borrower wants, which differentiates them from car or education loans. They can be used for emergencies, weddings, renovations or any other major expense.
  • Car loans are designed to allow you to borrow the cost of a car you are considering buying, but they do not cover a down payment. The vehicle itself will serve as collateral and can be resumed in case you do not pay regularly.
  • Student loans are used to pay for undergraduate or graduate studies and can be granted by the federal government or private lenders. You’ll usually want a federal one, as they offer deferral, income-contingent repayment options, and other perks.
  • Mortgages cover the purchase price of a home, but like auto loans, they don’t cover a down payment. Like car loans, they come with guarantees: your home can be foreclosed on if you don’t pay regularly. Some mortgages may be guaranteed by government agencies such as the Federal Housing Administration or the Veterans Administration, depending on whether or not the borrower qualifies.
  • Home Equity Loans allow you to borrow up to a percentage of the equity in your home to use as you wish.
  • Credit-generating loans are supposed to help people with poor credit (or no credit) improve their loan the story. The lender places the loan amount in a savings account and the borrower makes fixed monthly payments for six months and two years. When the loan is repaid, the borrower gets back the money that was set aside. In some cases, you even get it with interest.
  • Debt consolidation loans are personal lines that will help you pay off high-interest debt, such as credit card debt. They help you consolidate all your debts in one place, so you only make one payment each time you pay.
  • Payday loans are usually bad news and should be avoided. You might get the money earlier than your usual payday, but tthese loans are short-term and have incredibly high fees. They must be repaid in full the next time you are paid, or you will have to renew the loan, which will incur new fees and charges. Avoid them as much as possible.

Important Loan Terminology

The following words refer to the types of loans listed above:

  • Unsecured Loans do not require collateral, but generally have higher interest rates than secured ones, as they are riskier for the lending entity. Car and home loans are not unsecured, but many personal loans are. Secured loans are those that use some type of collateral.
  • Installment loans (also called term loans) must be repaid in fixed installments over a specified period.
  • Revolving credit allows you to borrow up to a certain amount. At the end of each billing cycle, you’ll pay off what you borrowed in full or roll it over to the next month’s balance with only a minimum payment.
  • Fixed rate loans have an interest rate that will not change over the life of the loan, while variable rate loans have interests that may change.

Another sentence to know, by Forbes, is the “annual percentage rate” or APR. This is the total annual cost of taking out a loan, from the interest rate to other financial charges. Lenders must disclose the APR by law, so be sure to research it when considering a loan.

Finally, you may need to take out a loan with someone else. For example, IIf you and your partner qualify for a mortgage together, you will be co-borrowers or two people jointly responsible for repaying a loan. Lenders look at both borrowers’ credit and income to qualify, and you both end up owning the asset in question, like a house or car. If you’are the only person who gets the loan but you have bad credit or no credit, someone else with a better score can co-sign with you, which means that youthey will be responsible for loan repayments if you do not make them, and their credit is also at stake.

Irish Premiership: What can we expect from the new season?

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Linfield celebrated their fourth league title in a row in April

The countdown is well and truly on for the start of a new Irish Premiership season.

The final term delivered plenty of drama in front of much higher attendance as Linfield held off a sustained challenge from Cliftonville to claim a fourth straight league title on the final day.

Larne beat Glentoran via a play-off to clinch the only remaining place in the European club competition offered by the league as the Crusaders dramatically sealed Irish Cup glory and Cliftonville claimed League Cup honors .

This year’s campaign has all the makings of another thriller and with growing anticipation we assess the outlook for the next nine months of action.

Can anyone break Linfield’s title grip?

Robbie McDaid
Robbie McDaid has completed his long-running move from Glentoran to Linfield during the closed season

The signs are looking ominous for challengers to Linfield’s recent dominance, with the Blues now having racked up five Championship successes in the past six years.

Despite being pushed to the finish line by Cliftonville, David Healy’s men kept their composure and faced the pressure of being first and favorites, an experience that should again be very useful to them for the coming season.

The South Belfast side have won their success with a squad boasting a number of new faces, including several acquisitions during the January transfer window to help them over the line.

The champions have not rested on their laurels, making other big additions including Joel Cooper, who returns from Oxford United for his third spell at the club, one of those on loan.

Healy hopes the loss of top scorer Christy Manzinga can be made up for by snapping up Chris McKee on a permanent move from Rangers, changing Robbie McDaid from long-distance rivals Glentoran and Eetu Vertainen back on a season-long loan.

Daniel Finlayson is also on loan from St Mirren. The Blues will start as favorites to retain the Gibson Cup.

What about the North Belfast challenge?

Adam Lecky and Luke Turner should be important players for Crusaders and Cliftinville in the next campaign
Adam Lecky and Luke Turner should be important players for Crusaders and Cliftinville in the next campaign

Cliftonville and Crusaders finished the 2021-22 season with reason to feel satisfied, winning the top two knockout prizes in the home game and both qualifying for European club competition.

The Reds stayed the course and emerged as the main challengers to the defending champions, a title bid built on the foundations of an impressive home record and solid defence.

Manager Paddy McLaughlin has bolstered his squad by making the transfer of former Aberdeen defender Luke Turner permanent and signing Jamie Robinson from Chesterfield, Gerard Storey from Derry City, goalkeeper Fynn Talley on loan from Brighton & Hove Albion, the former Bohemian winger Stephen Mallon and Ronan Hale of Larne.

North Belfast rivals Crusaders ended the season on a high, finishing fourth in the Premiership and finished on a high with their Irish Cup success to return to continental competition for the first time since 2019.

Compared to their derby rivals, the Crues have had a fairly quiet season in terms of arrivals with boss Stephen Baxter signing Dean Ebbe from Welsh side The New Saints and former Northern Ireland international Rory McKeown from the side. wellingtons.

Both clubs will have realistic aspirations of taking on sustained title challenges and achieving more cup success.

Will the rejuvenated Glens and Larne be able to fully realize their ambitions?

Larne's Cian Bolger in action against Glentoran striker Jay Donnelly
Larne’s Cian Bolger in action against Glentoran striker Jay Donnelly

Both Larne and Glentoran started the last campaign with genuine hopes of challenging for the league crown, but both fell far short of their ambition.

Inver’s men failed to find the necessary consistency, but at least had the consolation of picking up some silverware in the form of the County Antrim shield.

A solid run of just one defeat in 21 top-flight matches either side of Christmas seemed to put the Glens in a strong position – only for Mick McDermott’s men to falter in the closing stages.

That disappointment was compounded by the Glens’ defeat at the hands of Larne in the season-ending European play-off – shortly after he was kicked out of the Irish Cup for fielding an ineligible player despite a long string of appeals.

The Glens have been busy in the transfer market over the summer in a bid to breathe new life into their bid for a first Irish League championship since 2009, but perhaps not so far. attracting some of the headline-grabbing names that have graced their squad. during the last years.

Their new signings include goalkeepers Oliver Webb and Mike Argyrides, centre-backs Aidan Wilson and Harry Murphy, midfielder James Singleton and forwards Ally Roy and Danny Purkis.

Larne has also been active, signing goalkeeper Jack McIntyre, defender Aaron Donnelly, midfielders Leroy Millar, Max Hutchison and Shea Gordon, and forwards Paul O’Neill and Daniel Kearns, both from Cliftonville.

The teams will play the first match of the new season at Inver Park on Friday August 12.

The “middle order” established?

Oran Kearney, manager of Coleraine
Oran Kearney’s Coleraine failed to reach the heights of his league form from previous seasons

After being league runners-up for three out of four seasons, Coleraine had to settle for a more modest sixth-place finish in 2021-22.

Manager Oran Kearney hopes his charges can improve in the position and to that end he has drafted Conor McDermott and Michael McCrudden from Cliftonville, Dean Jarvis and Lee Lynch from Larne, as well as Jack O’Mahony from Glenavon and Evan McLaughlin on loan from Derry City. .

The Lurgan Blues finished seventh again last time out and look set to challenge for a mid-table spot again, with a place in the top six after splitting a realistic target.

Among Glenavon manager Gary Hamilton’s signings are goalkeeper Rory Brown, defender Micheal Glynn on loan from Derry City, striker Eoin Bradley and former Derry midfielder Jack Malone.

Ballymena United sat eighth for the second consecutive year last season and suffered a heartbreaking extra-time loss to the Crusaders in the Irish Cup final.

Manager David Jeffrey has been busy in the transfer market, adding Sean O’Neill, Jake Corbett, Evan Tweed, George Tipton, Jordan Gibson and David McDaid to his ranks.

Among the departures from the Warden Street club was influential former club captain Leroy Millar. With mid-table placement likely again, cup competitions should once again be a priority.

Who will avoid the fall?

Jim Ervin of Carrick Rangers and Darragh McBrien of Dungannon
Jim Ervin of Carrick Rangers and Darragh McBrien of Dungannon

Dungannon Swifts and Carrick Rangers finally finished comfortably clear of the drop zone last season and will again want to give themselves some breathing room in the bottom half of the table.

Swifts boss Dean Shiels has decided to strengthen his hand by bringing in Dean Curry from Ballinamallard, John Scott from Loughgall and Brendan Barr on loan from Derry City.

Carrick’s promising start last time out fizzled somewhat and manager Stuart King mostly opted for the experience in an effort to avoid a repeat of that scenario – with Ross Glendinning, Curtis Allen and Cameron Stewart being brought in, as well. as loanees Alex Gawne and Andrew Mitchell.

Portadown came close to giving up their Premiership status after just one season with the ‘big boys’, but manager Paul Doolin will be keen to put his stamp on the club after being appointed to the full-time role.

It’s been a busy summer of arrivals and departures at Shamrock Park and Doolin will be hoping his ‘rolling and dealing’ will pay dividends with Premier League survival as a minimum target.

Darren Mullen’s Newry City return to the Premiership after being crowned Championship winners and the County Down club will be determined to extend their stay in the top flight.

North Carolina’s first black lieutenant governor says Democrats want to ‘manage’ black people and destroy dissidents

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North Carolina’s first black lieutenant governor says Democrats are trying to “manage” African Americans and seek to exterminate anyone who doesn’t share their woke philosophy.

Republican lawmaker Mark Robinson said that throughout American history, the “ideology of dominance” by Democrats against black people “has not changed” in an interview with FOX News’ Dan Bongino on Saturday.

According to Robinson, Democrats have a habit of abhorring non-conforming black people who “fight against stereotypes and all notions that are dangerous to them.”

It’s always been a control mentality, he said. “And they will hate you and try to destroy you when they can’t control you, when they can’t control your thoughts.”

He said, “It’s been done to me in several places since I started this business, and it’s nothing new.

Robinson went on to talk about a controversial sermon he gave at a Charlotte-area church in May, in which he was accused of being misogynist for saying that Christians are “supposed to be ruled by men” and asserted that he had always stood up as a man in the face of racism.

Robinson claimed in an interview with Unfiltered, “When I made remarks in a white church, they went viral and the media jumped on me and questioned me and threatened me and all kinds of bullshit.”

But the media won’t broadcast what I said in that black church.

‘Why? Because I was talking to black people, and they were overwhelmingly supportive of the idea I was talking about.

Robinson said of the mainstream media, “They don’t want to see black people challenging their stories.” “In this circumstance, that is what happened.”

On May 22, at a conference at Freedom House Church, Robinson said men should lead Christians and urged male members of the public to “put on the full armor of God” and “take the lead of your adversary in the name of God”.

Before slumping his shoulders and mocking the civil rights anthem We Shall Overcome, he said that as a Christian and black, he was tired of learning how to behave.

He said: “Not once in my life, when I encountered difficulties, did I say, ‘You know, I will overcome’.”

My God says I must first stand up as a man in the face of difficulty! MAN’

According to WRAL, Robinson then said he was “getting ready to get in trouble” – a phrase he often uses before making divisive statements.

We are called to be led, my soldiers, he said, amid cheers and some howls of agreement, according to WRAL.

God sent women to perform their duties, but when it came time for David to face Goliath, it was David who was sent, not Davita.

Not Mom Moses, Dad Moses, Robinson said, “God sent Moses to lead the Israelites to freedom.

And he said that when God created huge, hairy, unattractive men, he “knew what he was doing.”

Because they’re in the woods or in front of your kids at school, you’re supposed to scare them away.

Robinson made the comments as part of a broader attack on the social justice movement, saying too many people follow the philosophy of social justice rather than the teachings of Jesus Christ.

He said these people would “be on their way to hell”.

In the past, he has been criticized for equating instructors who discuss gender identity and sexual identity with young children with predators that prowl playgrounds.

Robinson said in another March sermon that anyone who reads to a young person about transgenderism or homosexuality “does it to twist that kid’s head” and is “just as much a groomer as that guy is in that playground.”

Robinson is now said to be considering a run for governor of North Carolina, which analysts said could be difficult given his previous comments.

According to WRAL, more than half of the state’s registered voters are women. Several GOP political gurus have previously said Robinson’s remarks could hurt his chances of winning over suburban voters.

But when news of his comments at Freedom House Church surfaced last month, Robinson released a video statement denying that he had advocated for men in leadership positions.

It is complete nonsense, according to Robinson, for anyone to insinuate that she does not believe that women can hold positions of leadership in their homes, communities, churches, states and countries.

“The remarks I made to Freedom House Church were aimed at men and urging men to come forward and also take on the position of leadership, to be leaders in their families and in their communities, in their state, in their country .”

In an email to WRAL, Freedom House Senior Pastor Penny Maxwell, who co-chairs the congregation with her husband Troy, also expressed outrage and said she was “very disgusted with the way society is treating the women”.

In a later interview, she expressed her admiration for what Robinson had to say and her belief that he would make a fantastic governor.

Robinson, according to her, “never said that only men should lead”, but rather “indicated that men should rise up and assume the roles that I believe they have abdicated”.

In encouraging women to compete with men, Maxwell said she considered the women’s liberation movement “one of the worst offenders of putting down women I have ever seen”.

She said: ‘I am shocked by the wussification of America’, saying that ‘women are losing their place in society because of this false image of toxic masculinity when in reality I believe the male heart is something after God”.

Improve Abuja in state, FCT monarchs beg FG

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The management of traditional institutions in the Federal Capital Territory expressed concern on Saturday about the “non-provocative” attitude of various administrations in the face of the agitations of their natives since 1990.

They expressed surprise at the difficulty for the Federal Government to appoint an indigenous person as FCT Minister or to elevate Abuja to statehood to allow the people to enjoy the rights and privileges associated with the office.

Traditional leaders raised their concerns during a national dialogue on the rights of FCT-origin inhabitants, organized by the Resource Center for Human Rights and Education on the theme “Building Resilience, Fostering Recovery: FCT Indigenous Peoples and the Struggle for Justice,” as part of activities to mark the International Day of the World’s Indigenous Peoples which falls on August 9.

The Ona of Abaji and Chairman of the Council of Traditional Leaders of the FCT, Adamu Yunusa, lamented the non-recognition of indigenous people as the helm of affairs in the Federal Executive Council with a call on the government to “be fair” to all.

The monarch, represented by Mansur Sule, said the natives of the FCT should be treated like any other Nigerian.

“The gift of our ancestral land to the government is remarkable for the unity of the people and the peaceful coexistence of the citizens, but we do not see commensurate appreciation from the country.

“The people should give us justice so that we get our rights. We just want to be treated like any other Nigerian is treated. It is high time we were given our right,” he said.

Kwali’s Etsu, Alhaji Shaban Audu, noted that the natives had sacrificed a lot for the FCT, adding that what they needed was equal opportunities.

He said: “We sacrificed a lot. Although we remain grateful to the government because some things have been done, there is still a lot to be done for the socio-political advancement of the people.

CHRICED Executive Director Dr Ibrahim Zikirullahi said the injustices suffered by the natives could continue due to the activities of “selfish politicians” who benefit from the current system.
He said the government must address the plight of the natives to avoid the breakdown of law and order in the capital.

Zikirullahi said, “The natives of the FCT have made enormous sacrifices to provide space for the capital of Nigeria. Therefore, the government can no longer ignore the voices of the original inhabitants. They don’t have land, they don’t have representatives in the federal cabinet, and of course, even their children don’t have a place they can call their own. They suffered from discrimination over time.

“We help them raise their voices and bring their issues to the government and the international community. They are dealing with their case legally and peacefully and maybe that is why the government is not listening. We tell the government that it must not only discuss and negotiate with those who are violent and impious. It is high time they listened to the first inhabitants.

“The constitution says the government should appropriate the land for public use, but not that it should confiscate the land and start selling it. If we are in a statement where justice works, the original inhabitants should collect land. We rarely have a tribe that is not present in Abuja and if we want to have peace we have to tackle the IO issues.

He questioned why the government has refused to obey a series of court rulings designed to respond to indigenous unrest, adding that CHRICED is considering how to enforce the rights granted to them by the court.

“We know our lawmakers are the biggest offenders in the country and we’ve seen them serve as a buffer to the executive, especially when you have a system where the government is weak and clueless. Today, the lawmakers we have are the ones who feel that the marginalization of the FCT natives has advanced their course. We ask the IOs to sit down,” he said.

The executive director of the Center for Transparency Advocacy, Faith Nwadishi, has defended the political, economic and cultural rights of the original inhabitants.

Nwadishi also said that the 1999 Constitution review process led by the National Assembly would have been a golden opportunity for the 9th Assembly to engrave their names in gold when the history of the FCT was discussed.


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Fury over triple-locked state pensions as ‘Tories betrayed Britain’s pensioners’ | United Kingdom | New

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A new Labor Party analysis of Bank of England figures has revealed that a pension worth £6,930 thirteen years ago will only see a very marginal increase to £6,934 by next March . Based on prices in 2022, this has fallen by £462 in April this year as soaring inflation – which recently soared to 9.4% – eats away at pension incomes. Shadow Work and Pensions Secretary Jonathan Ashworth said: “Having promised in the general election to help pensioners with the cost of living, the Tories then broke the triple lock.

“It means the state pension has been cut in real terms and pensioners are facing hardship. They deserve so much better.”

Mr Ashworth also took to Twitter to launch a furious attack on the Conservative Party.

He called for “urgent action to help our pensioners” as household energy bills soar and inflation continues to soar.

The shadow secretary for work and pensions wrote: “The Tories have betrayed Britain’s pensioners.

“Pensioners will only earn 8p a week compared to 2009 due to soaring inflation.

“With energy bills still soaring and inflation ravaging economies, we need urgent action to help our retirees.”

In April, pensioners received a 3.1% increase, bringing the basic pension total to £141.85 a week.

Overall, its value has gone from £7,155.20 in 2021 to the current total of £7,376.20 per year.

READ MORE: UK faces heat pump crisis as EU bows to green crowd AND bans critical gases

But Labor tore up that claim and described it as a ‘smokescreen’ so the Treasury could pocket the savings.

Dennis Reed, from campaign group Silver Voices, the membership organization for older people in the UK, warned that older people “have nowhere to turn with winter approaching”.

He also claimed ‘pensioner poverty will spin out of control’ and wants Tory leadership candidates Mr Sunak and Ms Truss to pledge to guarantee a minimum pension of £200 a week and reintroduce TV licenses free for those over 75.

Mr Reed said: “These figures disprove the notion that older people are better off than most in the face of the cost of living crisis.

“Older people have nowhere to turn with winter approaching, and pensioner poverty will spin out of control.”

A spokesperson for the Department for Work and Pensions said: ‘The total annual basic state pension is now £2,300 higher than in 2010 and there are 400,000 fewer pensioners in poverty absolute after accommodation costs.”

Larry Wallace, Former Highway Patrol Commander, TBI Director, Has Died

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ATHENS, Tennessee (WTVF) – Larry Wallace, the only person to have led both the Tennessee Highway Patrol and the Tennessee Bureau of Investigation, died Saturday afternoon at his home in McMinn County after a short battle with cancer . He was 77 years old.

Current TBI Director David Rausch remembered Wallace as a man of integrity who led efforts to professionalize the state’s criminal investigative agency during his 11 years at the helm.

“He wanted to surround himself with people who understood the importance of being honest and hardworking, and I see him in the Office today,” Rausch told NewsChannel 5.

“He wanted to see things get better and better every day. I think that’s one of the great legacies he left for the Bureau and the state.”

TN state

THP Colonel Larry Wallace, TBI Director Larry Wallace

The current commander of the THP, Colonel Matt Perry, also joined in the condolences.

“He was a great man and he loved serving this great state,” Perry said in a statement.

“Colonel Wallace set the standard for leadership.”

Wallace, a native of McMinn County, began his career in 1964 as an officer with the Athens Police Department, before being hired three years later as a state trooper.

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Larry Wallace during his tenure with the Tennessee Highway Patrol

In 1973, he was promoted to special agent of the TBI.

In 1976, Wallace took a leave of absence from the TBI to run for McMinn County Sheriff, a position to which he was elected twice. In 1979, the Tennessee Sheriff’s Association named him “Sheriff of the Year”.

Then, in 1980, he returned to the TBI and was later appointed head of the TBI’s Criminal Investigations Division.

In 1987, Governor Ned McWherter chose Wallace to be Colonel and Commander of the Highway Patrol. The following year, he was also appointed Deputy Commissioner of the Department of Security.

In 1992, McWherter appointed Wallace to a six-year term as director of the TBI.

In 1998, then Governor. Don Sundquist reappointed Wallace for a second six-year term.

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Larry Wallace was sworn in for a second term as then Governor. Don Sundquist is watching

Wallace oversaw the construction of the TBI’s current headquarters and led the TBI to become the third state criminal investigative agency to receive international accreditation through the Law Enforcement Agencies Accreditation Commission .

Wallace also pioneered the development of the highly successful TBI Most Wanted program.

“It was really necessary in that we didn’t have a big enough agency to pursue all the fugitives,” Wallace later recalled.

During his tenure, following a NewsChannel 5 investigation, Wallace ordered TBI agents to partner with the FBI in an investigation into no-tender contracts awarded to friends of the governor who reappointed to his post.

Sundquist’s friend John Stamps and another state official would later go to federal prison.

Wallace and Sundquist will not speak for two decades.

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TBI Director Larry Wallace speaks to the media

In December 2003, Wallace retired as director of the TBI, stating that he planned to “rediscover the mountains and relearn how to fish for trout”.

But, a year later, he joined the faculty of Tennessee Wesleyan University in Athens, developing a criminal justice program which he taught. He was later appointed vice president for external affairs, then vice president for administration; finally, senior vice-president.

Outside of law enforcement, Wallace was haunted by the unsolved 2001 death of a 15-month-old Maury County boy, Jeffrey Kelton Skaggs.

While the initial autopsy ruled the death an accident, medical authorities later concluded it was a homicide.

Jeffry Kelton Skaggs.jpg

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Jeffry Kelton Skaggs

Still, District Attorney General Mike Bottoms declined to reopen the investigation.

Wallace played a key role in a 2006 NewsChannel 5 investigation into the child’s death. Then, in 2014, Brent Cooper was elected district attorney, and Wallace personally went to the new district attorney to ask him to take a fresh look at Skaggs’ death.

Cooper did so, and after a thorough follow-up investigation, the prosecutor charged the mother’s ex-boyfriend with murder.

Christopher Lee Goodwin was convicted in 2020 and sentenced to life in prison. (Watch NewsChannel 5 stories about the case here.)

“Larry Wallace was one of those exceptionally rare people who not only believe in justice, but devote their entire lives to relentlessly pursuing it,” Cooper said.

“The Skaggs case is the perfect example. In this case, Larry patiently waited over 10 years for a new prosecutor to be elected to seek justice for little Kelton Skaggs.

“When Larry gets to heaven, I’d bet Kelton will be waiting for him,” Cooper said.

Arrangements are not complete at this time.

How AmOne can help you get a personal loan

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You will probably need to get a loan at some point in your life. Even the most diligent savers can run into financial difficulties and get into debt, so it’s essential that you understand the procedures required to obtain a loan. In this article, we’ll take a look at AmOne and describe how they can make it easier and faster for you to get a personal loan. Looking for an opinion on AmOne? To find out more, go here: fox17online.

What is AmOne?

With the help of AmOne, which is a free internet tool, you can find the best loan providers for your situation. By visiting their website, you quickly access a range of offers and possibilities after answering a few questions. Plus, they offer a wide range of services, such as credit cards, business loans, and debt consolidation.

What is a personal loan?

A personal loan is an unsecured loan that generally has a term of one to ten years. Your credit rating is very important, and amounts and interest rates may change. The most common reasons for getting a personal loan are travel, home renovations, medical bills, and wedding-related debt.

How does AmOne work?

AmOne’s user-friendly, fast and reliable website has been recognized in the past. By simply clicking “Continue for Options” you can start the loan application process. You’ll start by responding to inquiries about your home ownership, taxes, and any debts you may have. After that, the website will use its technology to match you with suitable loan programs and lenders almost immediately.

Because AmOne offers so much convenience, you won’t have to worry about wasting time looking for the best solutions.

Will I benefit from a personal loan?

You must be a US citizen over the age of eighteen to qualify for a loan from any of the lenders offered by AmOne. You will also need to provide proof of your financial stability and a stable source of income.

What if I don’t have a perfect credit score?

Regardless of individual credit scores, AmOne urges everyone to use its service. AmOne can immediately connect you with lenders who have the best deal available given your current situation. You no longer have to worry about switching lenders to determine your eligibility.

Presentation of AmOne:

With a simple click of the mouse, AmOne offers you a selection of reputable lenders. There is no charge to submit a loan application as it is a free service. They encourage applicants from a variety of credit backgrounds and their website gives educational recommendations. It is essential to keep in mind that to apply you must be a US citizen who is at least 18 years old. Additionally, you must demonstrate that you have a current bank account and a source of income.

That’s pretty much it, then! I wish you good luck in your lending adventure and don’t forget to ask for help if you need it. If you are able to get a loan, remember to make your payments and follow the strategy that works best for you.

Main advantages of personal loans:

Simple loan processing: You can apply for a personal loan online, using NetBanking, at an ATM, or by visiting your local branch in person. The application process is fast and little documentation is required.

Instant payout: If you are a member of HDFC Bank, you can get a personal loan in 10 seconds*. For others, it only takes four hours*.

You can use the money as you see fit: One of the main advantages of personal loans is the flexibility with which you can spend the money, whether it is for a wedding, vacation, gadget, business investment, home improvement, etc. You must use a car loan or a home loan for the specified purpose.

No need to pledge assets as collateral for the loan: Personal loans are unsecured loans, so you can receive one without pledging assets like your home or stocks as collateral.

A personal loan requires much less documentation and processing time than the majority of other loans. You can get a loan by providing ID, proof of address and proof of income. In some cases, you may not even need to submit any documentation if you have been pre-approved for a personal loan.

Easy Installments or EMI are two convenient ways to pay off your personal loan. The terms of payment are often flexible and you can choose a duration that allows you to optimize your monthly expenditure according to your situation. The EMIs offered by HDFC Bank range from Rs 2,162 per lac to 12 to 60 months. You can consult the EMI calculator for a personal loan.

Todd Ortloff Show guests this week

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PORT ANGELES — Here’s this week’s schedule for the 1-2 p.m. Todd Ortloff show on KONP 1450 AM, 101.7 FM in Port Angeles, 101.3 FM in Sequim and myclallamcounty.com on the internet outside of the Port Angeles area.

Schedule for this week:

Monday – Bruce Halstead and Phill Castell discuss the upcoming Straits Stamp Show and share some history on stamps, collecting, and more.

Tuesday – Diane Urbani de la Paz talks about her new book “All my love, a story of war and hope”.

Segment Two – Investigative Journalist/Best Selling Author Sally Denton discusses her book “The Colony: Faith & Blood in a Promised Land,” a true story based on the LeBarón and La Mora communities – fundamentalist Mormons who broke with the Church of Jesus Christ of Latter-day Saints (LDS) and settled in Mexico when the church outlawed polygamy in the late 19th century.

Wednesday – Seattle Mariners Baseball

Thursday – Clallam County Commissioner Randy Johnson with County Fair Director Shari Ioffrida and new Director of Parks, Fair and Facilities Don Crawford.



French sailor rescued after spending 16 HOURS at sea under capsized boat | World | New

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Laurent Camprubi, a French skipper, managed to keep his composure as rescuers spent several hours trying to retrieve him from under the boat. Laurent only managed to survive thanks to a 30 cm air pocket.

Salvamento Maritimo, a Spanish sea rescue service, described the rescue as “on the verge of impossible” in a Facebook post on August 4.

The 62-year-old skipper was rescued on Tuesday after his boat capsized in the middle of the qualifying race for the Route du Rhum.

Laurent was 14 miles from the small archipelago of Sisargas, off the coast of Galicia, when he triggered his distress beacon.

A search was quickly launched and rescuers found her yacht, named Jeanne Solo Sailor, buffeted by high waves.

READ MORE: Xi Jinping’s Taiwan invasion plan torn apart as Beijing navy assesses

Laurent, from Marseille, was eventually rescued and said: “I knew they were there and they would save me, they wouldn’t abandon me. It was a matter of time. I had to survive for me and my family.

Juan Ferrer, chief of operations of the rescue service, stressed that the sailor “was equipped with a special suit that saved him from hypothermia”. But he also praised his “knowledge, which allowed him to calmly await our arrival”.

The rescue operation, which involved five divers, began at 8.23pm on Monday August 1 when the alert was first received.

Juan Ferrer added: “As soon as we received the call from CCS Finisterre, a special operations technician from the strategic base of Fene, Vicente Cobelo, with the diving intervention team of the company Ardentia Marine, the company awarded the contract that provides services from the strategic rescue bases, depart”.

Laurent was transported by helicopter to Alvedro airport where an ambulance was waiting for him.

Editorial: The challenges of living on a fixed income

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An editorial from the Rutland Herald:

Research was published this week that shows how difficult it is for New England seniors to live on a fixed income. According to the Kaiser Family Foundation, more than half of older women living alone — 54% — are in an equally precarious financial situation: either poor by federal poverty standards or with incomes too low to pay for essential expenses. For single men, the share is lower, but still surprising — 45%.

That’s according to a valuable but little-known measure of the cost of living for older adults: the Elder Index, developed by researchers at the Institute of Gerontology at the University of Massachusetts Boston.

According to KFF, the Equity in Aging Collaborative plans to use the index to influence policies that affect older adults, such as property tax relief and expanded eligibility for assistance programs. medical expenses. Twenty-five significant aging organizations are members of the collaboration.

The goal is to fuel a robust dialogue about “the true cost of aging in America,” which remains unrecognized, said Ramsey Alwin, president and CEO of the National Council on Aging, a coalition organizer. Nationally and for every state and county in the United States, the Elder Index uses various public databases to calculate the cost of health care, housing, food, transportation and miscellaneous expenses for elderly, according to KFF. It represents a minimum budget, adjusted according to whether the elderly live alone or as a couple; whether they are in poor, good or excellent health; and whether they are tenants or owners, with or without a mortgage.

The results of the analyzes are revealing.

According to the report, in 2020, according to data provided by Jan Mutchler, director of the Institute of Gerontology, the index shows that almost 5 million elderly women living alone, 2 million elderly men living alone and more than 2 million elderly couples had incomes that made them economically precarious.

And those estimates took place before inflation soared to over 9% and older people continued to lose their jobs in the second and third years of the pandemic.

Nationally and in every state, the minimum cost of living for seniors calculated by the Elder Index far exceeds the federal poverty lines, which are used to calculate official poverty statistics.

According to the KFF report, the Elder