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Management Software Guide for Same Day Payday Loans

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 don’t 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 don’t 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 there’s 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, you’ll have all the information on every account at your fingertips, enabling you to identify owing accounts.

Loan Servicing

Faster loan origination means you’ll also need to expedite your loan servicing efficiently. Unfortunately, each loan is different, and you can’t 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, it’s 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.


If you’re running a lending business on legacy systems, you’re 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.

ABS student loans show delinquencies in first quarter, but do not raise alarm bells


Inflation and lack of federal pandemic stimulus aid could lead to an initial deterioration in the performance of US student loan asset-backed securities (SLABS) pools, but the effects should not be alarming in the long run. term, noted industry watchers in a recent study of SLABS performance.

ABS delinquencies from the Federal Family Education Loan Program (FFELP) increased during the first quarter of 2022, Fitch Ratings said in a May 18 update. Overdue payments over 30 days in March 2022 were 11.58%, compared to 10.17% in December and 8.52% in March 2021. Overdue payments over 60 days were 7.69% , compared to 6.43% in December and 5.54% in March 2021; the 90-day delinquency rate rose to 5.51% in March, from 4.47% in December 2021 and 3.89 in March 2021, according to Fitch.

Fitch analysts, however, insist that recent figures should not be cause for alarm.

“This is really just a normalization from the same time last year when most borrowers were on stimulus and forbearance, so they weren’t in default” , said Nicole Edwards, director of the ABS group of Fitch Ratings. “The use of forbearance at the start of the pandemic, combined with stimulus payments, has bolstered borrowers’ ability to pay and kept delinquencies and defaults low relative to historical numbers.”

Among private student loans, the 30-day delinquency rate was 3.47% at the end of the first quarter, up from 2.57% in the same period a year earlier.

Overdue payments of more than 60 days are up 1.82%, compared to 1.52% in December and 1.48% in the first quarter of 2021. Overdue payments of 90 days reached 0.99% in the first quarter, compared to 0.78% in December and 0.76% in the first quarter of last year.

Edwards said she expects a downward trend in delinquencies, similar to the increase in early-stage delinquencies in 2020, but says it could be tempered somewhat due to high inflation.

“Under these conditions, borrowers will have to prioritize spending and payment obligations, which will lead to an increase in borrowers in default,” Edwards said. “However, financially distressed borrowers do have payment options and so we will have to wait and see what happens with delinquencies and defaults.”

The trailing year steady default rate was 2.41% for the quarter, up from 2.17% in the last quarter of 2021, Fitch reported. Conversely, the trailing twelve-month principal repayment rate and the constant prepayment rate increased in the first quarter of this year, Fitch said.

Loan consolidation and borrowers applying for forgiveness under the Public Service Loan Forgiveness Program under the time-limited waiver, which allows pre-consolidation payments into the direct federal loan program have helped the increase, Fitch said.

Other industry professionals agree that student ABS shows increased delinquency rates, as well as prepayment pressures from certain government intervention programs.

BofA Global Research said in a report last month that its latest data showed delinquency rates had risen for private SLABS in school while abstention rates had fallen. He also noted that the U.S. Department of Education’s decision to move borrowers closer to the utility/income-based repayment waiver could put upward pressure on prepayments for FFELP ABS.

Theresa O’Neill, strategist at BofA Securities, says she sees some weakness in credit performance.

“In consumer debt, anything other than mortgage, we expect flat to weaker performance across most consumer sectors,” O’Neill said.

O’Neill said BofA expects refi student loans will likely see fairly stable credit performance.

Defaults on traditional private student loan asset-backed securities at school rose to 1.67% in the last quarter, from 1.57% in the fourth quarter of 2021, Fitch reported.

BofA also expects school ABS and FFELP to see moderately weaker performance, O’Neill said.

Looking ahead, everyday life becomes more expensive for students, with interest rates on student loans set to rise, not to mention inflation near a 40-year high of 8.3%, according to Jacob Channel, Senior Economist at LendingTree’s Student Loan Hero.

Get over $1,000 in wine tasting fees for just $75 with uncorkBC Wine Passport – Think Local


Kayla Bordignon fell in love with wine while visiting tasting rooms across the Okanagan.

Now she’s created a business that lets anyone explore more than 60 BC tasting rooms for a fraction of what it would normally cost in tasting fees.

Bordignon, BC wine enthusiast and local influencer, is the brains behind the uncorkBC brand. She is also the founder of the uncorkBC Wine Passport, an exclusive, self-guided program offering free tastings at 66 hand-selected stops in the Okanagan, Similkameen and Thompson valleys. The program includes tasting experiences at most wineries, plus six craft cider houses, a distillery, and is loaded with other amazing perks and discounts.

The UncorkBC Wine Passport costs $75 and offers an incredible value of $1,100. As many local wineries move away from free tastings or waived fees – when tasting fees are waived with a purchase – there’s no better time to pick up a passport for yourself or as a gift for the wine lover in your life.

“New this year, the Passport stops at the District Wine Village, Canada’s first and only wine village located in Oliver, offering a $110 tasting value for this region alone,” Bordignon said. “Consider that this passport has paid off after your first visits. It’s an amazing opportunity to explore British Columbia’s wine country like never before.

The uncorkBC Wine Passport, which is a real book, has a reservation details section, which outlines walk-in wineries and those you need to book in advance. “It’s easy for wine lovers to get a passport, plan their day in the region they want to explore, and have exclusive access to benefits right at their fingertips,” says Bordignon.

Thirty-one of 66 wineries offer tastings for two or more, so the Passport is perfect for you and your partner or you and a friend to enjoy a great day in the Okanagan with the best the valley has to offer. has to offer.

And when you visit each winery, not only do you receive a free tasting experience, but you’ll also receive a stamp to show you’ve been there. Bordignon says passport holders have fun collecting stamps throughout the season.

“Some stops offer extra perks like winery tours with a winemaker, premium tastings, charcuterie and cheese pairings, and even wine discounts,” says Bordignon. “People travel the world to get these kinds of wine country experiences and it all happens right here in our own backyard.”

The wineries involved in the uncorkBC Wine Passport are a who’s who of Okanagan wine, and they were quick to get back on board in 2022.

“We are thrilled to be part of BC’s Wine Passport for the second year in a row,” O’Rourke’s Peak Cellars said in a statement. “This is a great program to attend and a very valuable book to have if you enjoy touring the Okanagan wine region. We all love the new faces we meet when they arrive with their passports.

While the uncorkBC wine passport is a dream come true, Bordignon is equally passionate about supporting the community.

“It’s time to get out there and support local wineries, growers and farmers,” she says. “I recommend using the discounts included in the passport and buying bottles you enjoyed along the way.”

The passport allows you to explore new wineries, spend quality time with loved ones and discover what makes British Columbia wine so special.

You can purchase your passport on the uncorkBC website or in person at select interior locations.

This article is written by or on behalf of the sponsoring client and does not necessarily reflect the views of Castanet.

Southwest Virginia roundup: Spartans overtake Blue Devils | Sports


NORTON — It was all about offensive overload in Tuesday’s Cumberland District baseball semifinal between Eastside and Castlewood.

The Spartans scored three times in the bottom of the seventh inning to claim a 17-16 victory in a game in which the teams combined for 33 runs and 27 hits.

Clay Ward had a two-run double and one out to fire Eastside even in the seventh. The throw took Ward to third base. Following an inside fly-out and a one-shot, he ended the contest scoring on a passed ball.

Jeremy Sexton paced a 17-hit Spartans onslaught by going 4 for 4, adding four RBIs and two runs in the process. Eli McCoy tripled and doubled in a 3-for-5 and 5 RBI performance that included three runs. Ward was 3-for-5 with two runs and a pair of RBIs.

Eastside, which overcame a 6-0 first-inning deficit, had two hits and two RBIs from Blake Jones and Tanner Perry. Will Johnson added two hits and a pair of runs.

Coleman Cook had two of 10 hits for the Blue Devils. Kaden Lasley and Ryan Salyers both had three RBIs and two runs with Robert Dishman at the wheel as a pair.

Castlewood broke a 14-14 tie with two sixth-inning runs.

Wednesday’s championship at 5 p.m. will pit Eastside against tournament host JI Burton or Rye Cove. A consolation game is scheduled for 11 a.m.

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Abingdon 9, John Battle 2

ABINGDON — Ethan Gibson has put his stamp firmly on this one.

Going 3 for 4 with two doubles, a home run, four RBIs and

two runs, Gibson also threw six solid innings as the Falcons got the job done in the Mountain 7 District Championship.

Gibson’s three-run home run gave his team a 6-1 advantage in the second inning. Additionally, he struck out six batters and limited John Battle to an earned run.

Abingdon’s Cole Lambert shone offensively, connecting for a home run in a 3-for-3 effort and 2 RBIs. Jack Ferguson, who scored twice and hit two runs, and Luke Bedwell each added two hits to the winning cause.

The Trojans received 3 for 4 screenings from Landon Odum and Will Purifoy.

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Holiday warning for Brits traveling to Portugal this summer


BRITS traveling to Portugal this summer are warned to check their passports when leaving the country.

Portugal recently confirmed that British travelers will be able to use their electronic gates when entering and leaving the country.


Portugal has opened its electronic doors to the British – but the UK Foreign Office has since updated its adviceCredit: Getty

It is the first EU country to allow the UK to do so since leaving the EU, with gates being a much faster and similar option to the UK.

However, the UK Foreign Office has warned holidaymakers to be aware that they will still need to have their passports stamped when leaving the country or face problems later.

The Foreign Office website says: “Electronic gates are in operation at Lisbon, Faro, Porto and Funchal (Madeira) airports for use by UK passport holders and certain other non-EU countries.

“Check that your passport is stamped by the border agent when entering and leaving Portugal as a visitor.

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“If the relevant entry or exit stamps are not in your passport or not visible to a border official on the computer system, a border official may assume that you have exceeded your visa exemption limit. “

Passports must be stamped to show you comply with the new 90-day visa-free travel rules.

If you don’t get it stamped, you could be banned from entering the country again.

Last year, Brit Linda was barred from entering Spain because her passport lacked a Spanish exit stamp from a previous trip.

When she attempted to visit again in September, she was prevented from traveling as she was considered an “overstay person”.

This is despite the fact that she has proof of UK boarding passes and banking activity.

You should also check your passport dates before traveling as there are also new rules.

It also must not be more than ten years since its issue and it will take you at least three or six months to enter many destinations.

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Brits have been warned of three essential things to check in your passport immediately, to reduce the likelihood of a wasted holiday.

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Why stamp collecting has become a popular financial investment


John Lowe of MoneyDoctors.ie explains how the humble postage stamp delivers returns that can’t be licked up.

On March 1, 2022, the rate for first class postage stamps was increased to €1.25 for a standard letter, but one day in the future these same stamps might be worth keeping as an investment. You may think stamp collecting is a useless, uninteresting, or even boring hobby, but you’d be wrong.

Quietly, as befits such a sedentary activity, philately has become one of the hottest and trendiest hobbies in the world. Postage stamps are the third largest category traded on eBay and it is estimated that over 30 million people now consider themselves active collectors.

Photo: Getty

Specifically, stamps have proven to be an excellent medium to long-term investment with average returns not so different from real estate or stocks and shares. With everything going on in the world right now, this alternative form of investing also has many benefits to incorporate into a balanced portfolio.

In terms of weight, stamps are the most valuable commodity you can buy. A well-balanced stamp collection will obviously not produce income, but should provide substantial capital growth.

Two stock market indices – the SG100 Stamp Price Index and the GB30 Rarities Index – are tangible proof of this. Both track average prices and have shown an annual increase of nearly 9.5% over the past 10, 20 and 50 years.

Moreover, postage stamps have always performed well in times of economic uncertainty. If you study the performance charts of the last five decades, you will notice that there are no dramatic market corrections. Prices can stagnate for periods, but they rarely drop.

There are four reasons stamps are such a wise investment. The first is growing demand. This comes from a variety of sources including:

  • An aging population in the developed world with the income and time to devote to a hobby like stamp collecting.
  • Growing interest in countries experiencing new levels of wealth such as Brazil, Russia, India and China.
  • Investors who use stamps as a hedge against risk. A good example of this was before China took over Hong Kong when wealthy Hong Kong residents bought stamps because they were portable and valuable.

The second is, undoubtedly, the scarcity of supply, as there is clearly a limited number of a given stamp. Third, the market is international and liquid. This is all the more true thanks to the Internet which allows collectors to buy and sell quickly and easily. Fourth, with shrewd purchases, it is possible for the enthusiastic philatelist to beat market indices and produce even higher returns.

How to go about investing in stamps?
It would be unwise to begin without familiarizing yourself with the history of post and postage stamps. You would also be well advised to understand how stamps are valued as well as how to care for them.

Finally, you need to think about what kind of collection you want to build. Are you interested in stamps from a particular country, airmail stamps, stamps that deal with a particular subject? Would you be more interested in envelopes (where the stamp is still attached to the envelope) or unused stamps or commemorative issues?

An obvious area of ​​interest to readers of this publication is that of collecting Irish stamps. Between 1840 (when the first of 72 million “Penny Blacks” were printed in the UK) and 1922 we used British stamps, called “GB Used in Ireland”.

Photo: Getty

The stamps most sought after by Irish collectors were British stamps which were overprinted for Irish use, first printed in February 1922 and last printed in 1935. Between 1922 and 1984 Ofig an Phoist took responsibility for the printing stamps, after which it moved to the new created post.

Ireland’s 166 years of post provide hundreds of collectible opportunities such as the 1865-1867 Fenian Issue, produced by Irish veterans of the American Civil War; the banned “propaganda labels” issued between 1907 and 1916 by Sinn Feinn; and as already noted, overprinted British stamps used as a temporary measure by the Rialtas Sealadach na hEireann (provisional government in Ireland) in 1922.

For more information on Irish stamps you can contact An Post or Philatelic Services.

Whatever field you decide to invest in, a stamp collection should offer hard-to-lick returns.

Top Stamp Investing Tips:

  • If you are buying for investment purposes, seek advice from an experienced auction house, dealer or philatelist.
  • Before you buy, determine your investment goals and decide on a strategy. It makes sense to build a diversified portfolio of stamps the same way you would build a diversified portfolio of stocks.
  • A low risk strategy would be to collect in an established and popular area – avoiding anything that might be subject to speculative influences.
  • A higher risk (and potentially higher reward) strategy would be to anticipate future demand. For example, you might decide to invest in stamps from an emerging economy where philately is still in its infancy.
  • If you are passionate about philately, you could try to conquer a new market and thus raise prices. To do this, you need to find an area that is unpopular, esoteric, or otherwise overlooked. Build up a collection of high-quality examples at a relatively low cost, then publish a definitive guide to the subject and hopefully watch the price rise.
  • Always buy the best examples you can afford.
  • Ask about your purchases. Understand what you are buying and why it is valuable.
  • Remember that stamps are alternative investments. You should invest in more traditional sectors first, such as the stock market and real estate. Be very aware of the risks involved and always seek professional advice.

Useful contacts

Irish Philatelic Dealers Association, 102 Leinster Road, Dublin 6, Ireland. Tel: 01 4977449.

STAMPA – annual membership costs only €25. PO Box 2723, Cardiff Lane, Dublin 2.

The Irish National Stamp Exhibition – takes place 14-16 October 2016 at the Griffith Conference Centre, Griffith College, South Circular Road, Dublin 8.

Irish Philatelic Society and Dublin Stamp Society – meet at Ely Place (Knights of Columbanus) but there are no meetings during the summer. Contact Declan O’Kelly (Cathedral Stamps, Dublin. Tel: 01 8786384).

IrelandStamps.com, 5 Rathgar Place, Dublin 6. Tel. : 01 497 2520.

Raven Stamps Ireland, 12c Washington St. West, Cork, Ireland. Tel: 021 427 1750.

For more information, click on John Lowe’s profile above or on his website.

The views expressed here are those of the author and do not represent or reflect the views of RTÉ.

NJ loan forgiveness: Phil Murphy highlights program


NEW JERSEY – Governor Phil Murphy and federal officials gathered at the College of New Jersey on Monday to highlight a unique pandemic-era waiver that allows public service employees to pay their debt. federal student against their years of full-time employment.

During the visit to Ewing College, Murphy shed light on the Federal Civil Service Loan Forgiveness Program for civil servants and encouraged more to apply and benefit from it.

“The cost of college loans is one of the starkest examples of the affordability challenge facing our state and our nation more broadly,” Murphy said, calling the program a “hidden gem.”

The one-time exemption will allow anyone who has worked full-time in eligible public service employment since October 2007 to qualify for loan forgiveness. That includes people who were previously unqualified, Murphy said.

More than 2,500 state residents now have $167 million in debt forgiven with an average forgiveness of more than $65,000 per person, Murphy said. About 31,000 New Jersey residents are enrolled in the main public service loan forgiveness program.

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Murphy and federal officials encouraged teachers and nurses to apply for the program, created in recognition of the extraordinary risks and responsibilities that public employees have assumed during the COVID-19 public health emergency, before the October deadline. .

The Biden administration overhauled the civil service loan forgiveness program in October. For years, thousands of borrowers had applied for forgiveness under the program, but nearly all were turned down by the federal government.

Students and government officials participated in the discussion with the Governor, US Undersecretary of Education James Kvaal and Director General of Federal Student Aid Richard Cordray.

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The town hall meeting at the college comes amid speculation that President Joe Biden will use his executive power to write off some federal student debt, and months before November’s midterm elections.

In April, Biden said he would have an answer on student debt forgiveness after a ‘Hard look’ at further debt forgiveness. Biden promised during his run for president to forgive $10,000 of debt per borrower. He also said federal student loan debt reform would be a priority for his administration.

Clearing federal student debt for public employees — including public school teachers — is a priority, Biden said.

New Jersey is exploring options to streamline the federal program for its 61,000 state employees, Murphy said. One of these avenues is to automatically enroll them in the program, as a way to increase participation.

Public employees can refinance their private loans into the federal program to qualify for the loan forgiveness program.

Who is eligible for student loan forgiveness?

The government had limited eligibility for the Civil Service Loan Forgiveness Program to certain types of federal student loans and specific repayment plans.

But through October 2022, borrowers who have made 10 years of payments while working in eligible jobs — like in federal, state or local government, nonprofits, or the U.S. military — will now be eligible. to loan relief, regardless of the type of federal government. loan or repayment plan they have.

Repayments of past loans that were previously ineligible will now be considered, bringing some borrowers closer to forgiveness. This should be especially helpful for borrowers with federal home education loans.

Among other changes, the department will allow service members to count active duty time toward 10 years, even if they pause their payments during that time.

How do I know if my past or current employer is eligible for the PSLF?

Use this help tool from the Federal Student Aid website to check if you work for an eligible employer: studentaid.gov/pslf.

It provides information on employers who meet the requirements of the Civil Service Loan Forgiveness Program.

How can I check which federal loans I have?

If borrowers are unsure of the type of loan they have, they can ask their loan officer for this information or they can check the federal government’s website for financial assistance, said Betsy Mayotte, president of the Institute of Student Loan Counselors.

If you’re not sure what type of federal loans you have, you can find out by logging into your account on StudentAid.gov, going to the My Aid page, and scrolling down to the Loan Breakdown section.

If I am eligible, what steps should I follow?

The changes to the Loan Forgiveness Program will take place in two parts.

The agency will first relax some of the rules that had prevented eligible borrowers from paying their loans, via a limited waiver. The government, for example, will allow payments on one of a person’s loans to count toward the total number required for forgiveness.

The civil service loan forgiveness waiver will be available to borrowers who have direct loans, federal home education loans and Perkins loans.

Parent PLUS loans not eligible under the limited waiver

The ministry said it will automatically credit borrowers who already have direct loans and have proven they work in an eligible field. Others who did not enroll in the program or have ineligible federal loans will need to apply for forgiveness, which may require them to consolidate their loans. Borrowers will have until October 2022 to apply.

To learn more about credit consolidation, go to https://studentaid.gov/manage-loans/consolidation.

The Department of Education also plans to review all denied civil service loan forgiveness applications and provide federal employees with automatic credit for the forgiveness.

Other changes will happen more slowly via regulations created by “rule-making”, a long and complicated bureaucratic back and forth between government and other stakeholders.

For more information, visit StudentAid.gov/PSLFWaiver.

This article contains material from USA TODAY.

Mary Ann Koruth covers education for NorthJersey.com. To get unlimited access to the latest news about schools in New Jersey and how it affects your children, please subscribe or activate your digital account today.

E-mail: koruthm@northjersey.com

Twitter: @MaryAnnKoruth

Ricky Kej calls immigration at Bangalore airport ‘pathetic’


Immigration at Kempegowda International Airport (KIA) has recently come under criticism. A month after top biotech boss Kiran Mazumdar-Shaw criticized KIA immigration, Grammy winner Ricky Kej on Sunday called airport immigration “pathetic.”

The music composer took to social media to share his heartbreaking experience after landing at the airport in the early hours of Sunday. He tweeted: “Pathetic state of Immigration at Bengaluru International Airport. I have been in line for over an hour now. Currently over 1000 people are waiting, all counters are not working, staff are distraught and inefficient. @BLR Airport why have so many flights, when there is no capacity?’ He also shared a video of a long line of flyers waiting for immigration. The post was widely shared on the social media platform.

In another tweet, Mr Kej said: ‘How can we build Brand India if this is the welcome everyone gets at airports. The first impression of India for foreign travellers. The music composer said that there are several lines for immigration check at the airport including Air Suvidha, immigration, check if immigration stamp is correct, baggage check, collection bags and customs carry out an additional check. He asked the authorities to reduce the steps.

In April, Ms Mazumdar-Shaw, executive chairman and founder of Biocon, criticized the immigration process at the airport, calling it a nightmare. In a social media post, she said the process had to be smart and digital. She advocated for the use of facial recognition technology to effectively enter and exist. Responding to Mr Kej’s tweet on Sunday, she said: “Unfortunately the handling of immigration is pathetic since BIAL was ordered not to interfere by central and state authorities. If you recall when BIAL started NRN [N. R. Narayana Murthy] succeeded in convincing the government to accept that immigration officers be computer trained — now that is no longer possible”. She tagged Union Civil Aviation Minister Jyotiraditya Scindia asking him to look into the matter. “We can’t make our airports international hubs unless we fix immigration. While the capacity building is important, the traffic flow is pathetic. Please consider biometrics to speed things up,” she said.

However, many commuters also disagreed with Mr Kej. For example, Shravan Shetty tweeted: “I disagree with you. I came to Bengaluru airport 16 times. Had immigration been delayed maybe twice, many flights landed at the same time. It’s the same even in American airports. Mr Kej later added that he did not single out the management of BIAL, but complained about the system itself, whoever was involved – for poorly managed and complacent immigration, and too many flights above capacity.

Bangalore International Airport Ltd., the airport operator, did not comment on the matter. A source at the airport said: “There was a long queue as three international flights from Middle Eastern and European countries landed during these hours. This could have caused more delays in immigration.

From Kohinoor Replica to Optical Maze, Jaipur’s Gems and Jewelery Museum to Open Soon


By Archana Sharma

Jaipur, May 22 (IANS): Are you a frequent traveler in Jaipur trying to explore something new in the city? Have you visited forts and palaces many times and now want something exciting and unique?

If yes is the answer to these questions, here is India’s first international gem and jewelry museum set to open its doors to tourists by mid-June in Jaipur. The first museum of its kind will include the Optical Glass Maze, where you will feel mesmerized as you experience true optical illusions.

Additionally, you will experience awe as you gaze at the replicas of the “Floating Stones” used by Lord Ram and his army to build the pontoon bridge, “Ram Setu”, to Lanka.

Bird lovers can see and learn about a variety of birds including beautiful peacocks in the natural surroundings of Khazana Mahal.

This museum located at Gurjar Ghati near Jalmahal, Jaipur will take you through a magical journey of gems, jewellery, handicrafts, heritage, history, folklore and tradition in the century-old heritage Haveli located in the pristine hills of Aravalli.

You will be able to see replicas of the Kohinoor diamond, a dinosaur bone, shark teeth, large diamonds and the “Floating Stones” used by Lord Ram and his army to build the “Ram Setu”, in Lanka.

The largest ring in the world, a piece of a real shooting star, the incredible floating stones, the world’s largest and most unique collection of stamps and postcards commemorating a gem or a piece of jewelry have been exhibited here.

Due to the valuable, rare and expensive display, strict security measures have been taken.

According to Anup Shrivastav, who designed the museum with the founder of the Federation of Gems and Jewelery Museum, Dr. Rajnikant Shah, “This is located close to the famous Parshuram Dwar, where the Ashwamedha Yagya was performed initially by Lord Ram and then in 1734 by Raja Sawai Jai Singh the second Khazana Mahal features over 2000 pieces of real and rare gemstones and jewelry in over 50 different types and categories.

Each of them, whether it is a historical artifact, a rare find, an ancient statue, a fascinating painting or an exquisite piece of jewelry, comes with a story and a history that define the character of each unique piece. These range from myths, historical facts and even their use and importance in Bollywood.

The museum gives visitors the opportunity to dress like a real queen or king with its replica royal dresses.

We have established links with travel agents and will soon partner with Rajasthan Tourism as well, Shrivastav said, adding, “As the collection is exquisite, expensive and unique, we will only allow 21 people to visit the museum at the time. time”.

“The entry fee for Indian tourists is Rs 500 while Rs 1500 will be charged to foreign tourists,” he said.

Asda announces new cut for NHS, social and care workers and more


Asda has announced a brand new discount for some workers to get a 10% discount across all UK stores.

NHS, emergency services, social services and social workers, as well as members of the armed forces, will be able to take advantage of the discount if they have a Blue Light Card.

A blue light card offers members of the NHS, emergency services, social care and armed forces discounts at retailers.

READ MORE – Scottish travelers to Spain have issued an urgent ‘extreme heat’ warning as temperatures soar

The 10% Asda discount includes George and Optical and is open to UK residents aged 16 or over, although it is only available in store.

It cannot be redeemed on any of the following: Asda tires, fuel, alcohol, tobacco, lottery products, gift vouchers and cards, baby formula, cash back, fireworks, online games and instant tickets, printing photos, discount stamps, postage stamps, “rechargeable” mobile phone cards, any other online financial services and insurance, or pharmacy and separate concessions.

Blue Light cardholders will also be required to provide identification which will be verified at checkout to validate that they are the Blue Light cardholder.

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Taking to Facebook to share the news, Asda wrote: “We are pleased to announce that from midnight tonight (May 20) workers in the NHS, emergency services, social services, social care sector and the armed forces will be able to get a 10% discount at all Asda stores in the UK when they present their Blue Light Card.

“Food and non-alcoholic beverages, George clothing and household goods, toys, gifts and optical are all included in the offer. Blue Light cardholders will receive their discount by presenting their card and proof of payment. photo ID at checkout.”

More information can be found on Asda websiteand the blue light card website.

Who is eligible for a Blue Light Card?

  • 4×4 response
  • ambulance service
  • blood bikes
  • border force
  • British Army
  • Rescue in the cave
  • Community First Responders
  • Firefighters
  • England Motorways Traffic Officer
  • SM Armed Forces Veterans
  • HM Coastguard
  • Her Majesty’s Prison Service
  • Immigration Law Enforcement
  • Lowland search and rescue
  • Ministry of Defense Fire Service
  • Department of Defense Police
  • mountain rescue
  • NHS
  • Police
  • Red Cross
  • Reserve Armed Forces
  • RNLI
  • Royal Air Force
  • Royal Marines
  • Royal Navy
  • Search and rescue
  • Social workers
  • St. Andrew’s Ambulance
  • St. John Ambulance
  • UK visas and immigration

Food drive resumes after 2 years hiatus


Volunteers sort through bags of non-perishable food donated by the Grand Island community to the Neighbors Foundation as part of Stamp Out Hunger.

Sat, May 21, 2022 7:00 AM

Story and photo by Alice Gerard

At the annual Mail Carrier Hunger Food Drive, held on Saturday, David Conboy of the Grand Island Neighbors Foundation announced that the organization is unveiling its new logo.

“One of the things that’s different is that after 50 years with our original logo which was developed by those who founded the organization, we’ve updated the logo,” he said. . “What we’ve tried to do is update it, freshen it up and make it more inclusive. The old logo was great, but it looked like two businessmen shaking hands. We tried to make it more inclusive in terms of size and shape and how the hands were represented.

“It can be any nationality, male or female, because we are neighbors helping each other, and it comes in different colors, shapes and sizes. We hope it will guide us through the next 50 years and serve us well. The theme we put on our logo is neighbors helping each other. That’s the whole story. At any time, each of us can find ourselves on one side of this equation of being someone helping a neighbor, or even in need at some point, so we recognize that we all stick together .

“This is the 30th annual event,” he added. “The last two years have been interrupted because of COVID, so everyone is excited to start. Chris Amato from the post office was great in terms of coordinating and organizing things. I can’t say enough about everyone. Postmen, for what they do on a daily basis. But, certainly today, bringing the food to the pantry.

Conboy said the need for food has changed over the past few years: “We’ve seen an increase in need, as people struggle with the economy and jobs and the whole COVID situation. We have certainly seen an increase in requests for food. Fortunately, we have also seen an increase in generosity from neighbors on Grand Island, especially with financial donations.

On May 14, a group of volunteers from several organizations, including Grand Island High School, the Kiwanis Club and the Post Office, went to the basement of the old St. Stephen’s Church, which houses the warden. -eat from the Neighbors Foundation, to sort and organize donations.

“It’s a big event. We have volunteers from the school, from the Kiwanis club, from our organization, so it’s a great opportunity for us to restock our shelves that were empty. to the next collection,” Conboy said.

Three of the volunteers were seniors from Grand Island High School who were doing volunteer hours required by the school. Michael Greer, a member of the Grand Island High School varsity hockey team, explained, “We sorted the cans by year and put them in the pantry. We sorted out expired goods. It’s just a good way to help the community.

Joe Geyer, also a member of the school’s varsity hockey team, said he felt good organizing the food: “It’s a great cause for the kids.

Ethan Lysarz, a snowboarder, added: “We are organizing canned food and other non-perishable items to help the community. It means something.

Steve Kopf, president of the Kiwanis Club of Grand Island, spoke about the club’s participation in the food drive.

“It’s good. I’m glad we’re able to help,” he said. “Coming together to help families in need and working with the Neighbors Foundation is going to be a good partnership that we have. It’s a really great event for everyone to come together on Grand Island, participate and donate to those in need.

Kopf added that the Kiwanis Club of Grand Island is always looking for new members.

“We have a Facebook page (https://www.facebook.com/gikiwanis),” he said. “We also post things on the Isledegrande website. We will also post our meeting times there. My contact information is up there so they can reach me.

The Grand Island Post Office Supervisor, who identified himself as Jeff, said: ‘We’re going around right now, collecting what we can that’s currently out, and whatever our carriers out there right now can bring back here and help the people of Grand Island. It’s giving back. We are there every day. We see a lot of the community. Sometimes you don’t see how everyone is. There is a real need throughout the community to help out and give back a little, so to be able to provide that – even if only today – is huge. It helps a ton.

“For the past two years, COVID has put a damper on (the Stamp Out Hunger food drive). It’s good to be back and finally doing this again. I know many of our letter carriers were very excited to get out there and start helping with the collection today.

“I just want to thank all of our carriers and all of the volunteers here who are helping with this. It’s great to see this come to fruition every year, and I’d like it to continue without any interruptions. I just want to thank everyone who does the hard work.

Part of the hard work is sorting through donated food and removing any expired food.

When asked what happens to expired food, Conboy said: ‘Expired food is sent to another pantry off the island that is able to accept expired food. We want to make sure that we sort the food and that what we offer here is not expired and is healthy.

Conboy also asked to express his gratitude to the community of St. Stephen for hosting the Neighbors Foundation.

“St. Stephen has been wonderful,” he said. “They’ve done various food drives to collect food, and they give us space in the basement of the old church, we so we are very grateful to the community of St. Stephen’s, all the churches and organizations on the island step in and help the Neighbors Foundation, so we appreciate that they focus on us when they donate food and money and we just ask people to continue to do so and keep in mind that every dollar donated to the Neighbors Foundation goes directly to helping our neighbors None of the board members are paid or remunerated in any way We are all volunteers and are always looking for more people to help us and ensure the future of the Neighbors Foundation.

Swashbuckling McCullum coaching to the bank


OPINION: Dollars and common sense make the world of cricket go round.

This comment was inspired by a message from former Manawatū cricketer Paul Mochan from Shropshire, near the Welsh border, where he resides with his family.

He says he left Brendon McCullum for forging his alliance with England as a Test manager and would have taken £500,000 a year, thank you old folks.

“And imagine his first series being against New Zealand! ”

* Former England captains Mike Atherton and Michael Vaughan pay tribute to Brendon McCullum
* Brendon McCullum leaves the scene as one of the best leading men in the game
* Brendon McCullum will make a batless appearance at Lord’s

Agree with both sentiments Paul. We would all have preferred to see McCullum with the Black Caps, but on the face of it our coach Gary Stead’s package could be $250,000-$300,000 a year at best.

McCullum and Stephen Fleming probably earned as much for their few months training in the Indian Premier League with Kolkata and Chennai respectively.

To digress, Mochan played cricket with nasal fury. He already scored a hat trick while playing for Palmerston in 1984-85 taking the last three wickets of the day to beat Kia Toa-University and win the championship.


Needless to say, there’s a lot of excitement – and questions – about the former Black Caps captain’s new role.

Meanwhile, while Stead might be on a good wicket, we can assume that England’s McCullum will win three to four times that and deserve every penny trying to resuscitate England’s moribund stick.

He can’t make it any worse after they died out in the Ashes series in Australia, even though our Black Chaps did last time they played Tests there.

While we won’t easily forgive McCullum if England toppled their compatriots, that’s the way of the professional world. Josef Schmidt has been cleared across the New Zealand border after guiding Ireland to unforgivable victories against the All Blacks.

McCullum has not been near Test cricket since 2016 and has never coached first-class cricket. However, he was our innovative Test captain, played 101 Tests and his new captain is Kiwi expat Ben Stokes.

McCullum also gets along well with the fickle Fleet Streeters and with former England captain, Ireland’s Eoin Morgan, who could have been the conduit for McCullum to get the big gig.

He described himself as “hotheaded, confident and positive”. Maybe it will work as long as he and Stokes are compatible.

Presumably, McCullum can already comfortably put Weet-bix on the table in Matamata where he has his racehorse syndicate business, Vermair Racing Ltd. He has been involved with sports radio SENZ and does occasional commentary with Spark Sport, which would hardly be a big ticket given his paltry following.

McCullum had once wanted to be an All Black and made the South Island Schools team as the top five ahead of Daniel Carter. Cricket probably turned out to be his best income.

Meanwhile, New Zealand will need England captain Kane Williamson. He is having his worst season with Sunrisers Hyderabad, averaging just 19 years at bat, perhaps still plagued by his chronic elbow injury.

He missed most Black Caps games for over a year because of it and still agreed to his $2.7 million IPL contract.

With Sunrisers unlikely to reach the playoffs, the bonus is that he should be able to play both warm-up games in England, elbow tendon permitting.

Either way, a Kiwi will be out there under the torch.

Selica is a stayer

A brief encounter with Manawatū women’s rugby phenom Selica Winiata on Saturday revealed that she left to referee in Toulouse, France this week and intends to play for at least two more years.

While playing for Kia Toa, she is regularly called upon to officiate World Sevens tournaments, as she did last year at the Tokyo Olympics.

Selica Winiata comes in for a try during the Women's International Test match between New Zealand's Black Ferns and Australia's Wallaroos at Eden Park in 2016.

Phil Walter/Getty Images

Selica Winiata comes in for a try during the Women’s International Test match between New Zealand’s Black Ferns and Australia’s Wallaroos at Eden Park in 2016.

His ambition is to play 100 games for the Manawatū Cyclones. She already holds 10 of 12 individual records for them, including most appearances (90) and reckons the ton will take her two more seasons.

If she was a ‘guy’, she guesses she probably would have played double that number.

NRL seduces Palmy products

Jackson Ferris is one of three former Palmerston North Boys high school products trying to make their way into rugby league in Australia.

The 24-year-old went as far as the Cronulla NRL side for one game in 2020 and scored a try in the win over the Brisbane Broncos, only to injure his knee.

Jackson Ferris is congratulated by his Cronulla Sharks teammates after scoring a try on his NRL debut against the Broncos in 2020.

Bradley Kanaris/Getty Images

Jackson Ferris is congratulated by his Cronulla Sharks teammates after scoring a try on his NRL debut against the Broncos in 2020.

We learn that he then broke a bone in his foot in the first round last year. Two surgeries ruined his season, and now he’s back on a training and trial deal with Cronulla, hoping to get back on the pitch with feeder club Newtown.

Also in Sydney, with the Roosters, is 17-year-old prop Javahn Stevenson, who was scouted at a league tournament in New Zealand and is the son of former rugby prop Manawatū Talau Hala .

Kylem Vunipola left Boys’ High in year 12 and is at Marsden State High School in Logan, Brisbane, a school which has produced Cameron Smith and Israel Folau.

PH marks sovereignty over the islands of the Western PH Sea


Coast Guard Admiral Artemio Abu. Picture file

The Philippine Coast Guard (PCG) continues to expand the country’s maritime domain awareness in the Western Philippine Sea (WPS), this time by establishing Command Observation Posts (COPs) on Likas Island, l Lawak Island and Parola Island.

Coastguard Admiral Artemio Abu said the PCG’s Kaligtasan sa Karagatan task force had built a smart house and installed radio communications on the three islands.

Construction was carried out with the largest WPS Coast Guard contingent installing the five COPs, 30-foot-long navigational buoys, on critical islands in the region from May 12-14.

Abu said these COPs will optimize the strategic deployment of PCG assets by monitoring the movement of merchant vessels in the surrounding waters and communicating maritime incidents to PCG’s national headquarters in the port area of ​​Manila.

“Through these COPs, we are improving our capabilities to promote maritime security, maritime search and rescue and the protection of the marine environment,” he added in a statement released on Friday.

Abu said the activation of these COPs is in line with the directives of President Rodrigo Duterte and Department of Transportation Secretary Art Tugade to support the country’s shipping and shipping industry by promoting maritime safety and security.

Likas Island, Lawak Island and Parola Island are all administered by the Philippines as part of Kalayaan, Palawan.

They are located a few kilometers from the island of Pag-asa, the largest island occupied by the Philippines in the Western Philippine Sea and where Filipino soldiers are stationed.

The islands are also claimed by the People’s Republic of China, Taiwan and Vietnam.

The installation of the navigational buoys is a notice to the rest of the international community that the Philippines is asserting its sovereignty over the Kalayaan Islands Group (KIG), according to the Commission on Human Rights (CHR).

The statement by CHR’s Executive Director, Jacqueline Ann de Guia, was made on Friday as she praised the PCG for installing the buoys in a bid to ensure safer navigation of ships and assert the sovereignty of the countries on disputed waters in the WPS.

The navigational buoys were put in place by the Barko ng Republika ng Pilipinas Corregidor (AE-891), BRP Bojeador (AE-56), BRP Suluan (MRRV-4406), BRP Capones (MRRV-4407) and Tug Boat Habagat (TB-271).

Quoting a Supreme Court decision, de Guia said: “Although the Philippines has always claimed sovereignty over the [disputed territories] for several decades, these peripheral areas have been located at an appreciable distance from the nearest coastline of the Philippine archipelago.

China continues to claim sovereignty over the territory, including three other areas.

The Permanent Court of Arbitration (PCA), however, in a 501-page unanimous award and an 11-page press release, had declared that the Philippines had sovereign rights over the Panganiban or Mischief Reef, Ayungin or Second Thomas Shoal and Recto or Reed Bank of Palawan.

These were assigned to the Philippines because they are part of the Philippine Exclusive Economic Zone and Continental Reef.

De Guia said the APC had ruled that China had no historical rights to the resources of the South China Sea and that those rights were extinguished to the extent that they were inconsistent with the exclusive economic zones provided for in the Convention. of the United Nations on the Law of the Sea (Unclos).

She added that China had no legal basis for invoking the “nine-dash line” to assert its claim to the disputed territories.

“The CHR commends the efforts of the Philippine Coast Guard to assert Philippine sovereignty over disputed territories where China has built artificial islands and interfered with Philippine fishing activities,” de Guia noted.

“No state should deprive our Filipino fishermen of their livelihood in our national territories. The installation of navigational buoys is a notice to the rest of the international community that the Philippines asserts its sovereignty over the Kalayaan group of islands” , she said.

The newly installed buoys are among 10 floating markers purchased from Spain.

These buoys, which arrived in Cebu from Valencia on May 7, are equipped with modern marine lanterns to aid navigation and specialized mooring systems.

They also have a remote monitoring system that uses satellite technology to transmit data to PCG’s national headquarters in the port area.

Earlier on Thursday, the Armed Forces of the Philippines (AFP) Chief of Staff, General Andres Centino, visited one of the country’s most remote detachments in Palawan and urged troops to further reinforce security operations in the region.

In a statement also on Friday, AFP said Centino flew to Bugsuk Island in Balabac, Palawan, as part of his regular troop visits, especially to remote military bases and detachments.

The military leader thanked the troops guarding the detachment in Singkab Port for their dedication to keeping the country safe.

Centino commended the soldiers for their contribution to the holding of safe and secure elections on May 9 in the municipality of Balabac.


Surf to the Auction House


Randy Bloom considers the late Greg Noll the Picasso of longboard shaping. “Whatever he did with this board – balsa, ash, alder – it was all about finding the best wood,” he says of the California big wave surfer. If Noll was nicknamed “Da Bull” for his fearless way of attacking the waves of Hawaii, when he entered the workshop, he was all finesse. “His collages [the joins], the way he cut into the wood – everything was precise,” says Bloom. “Man, you look for flaws, you can’t find them.”

Duke Kahanamoku (left) and Greg Noll in 1966 © Capital Pictures

1966 Miki Dora

1966 Longboard Miki Dora “Da Cat” by Greg Noll, POA, surfboard hoard.com © Surfboard Hoard

1981 ATV board with Phil Roberts mural, $25,000, surfboardhoard.com

1981 MTB board with mural by Phil Roberts, $25,000, surfboardhoard.com © Surfboard Hoard

Bloom, now 75, grew up in the California and Hawaiian surf scenes and has been collecting surfboards since the 1960s. He’s bought — and sold — too many to count, browsing Google and occasionally visiting dumps in search of forgotten gems. Of the 10 to 15 boards hanging in his San Clemente office, the star is a 7-foot-6 beauty sculpted by Noll from rare black walnut. Although made in the 1990s, it is a 60s style design, with a single fin, pointed nose and tail, and neon orange yellow logo. “People look at it and say, ‘It’s not a surfboard, it’s a sculpture,'” Bloom explains. But he still treats his collecting like a business. The Noll is worth at least $15,000; he bought another board from the 60s for a few hundred dollars and resold it for $28,000. “There’s a lot of money to be made.”

1980s Owl Chapman Surfboard, POA, surfboardhoard.com

1980s Owl Chapman Surfboard, POA, surfboardhoard.com © Surfboard Hoard

Mid 1970's Gerry Lopez Lightning Bolt Rocky Point Model Surfboard, POA, surfboardhoard.com

Mid 1970’s Gerry Lopez Lightning Bolt Rocky Point model surfboard, POA, surfboardhoard.com © Surfboard Hoard

And “a lot of demand,” according to O’Neil Thompson, founder of Hawaii-based vintage online platform Surfboard Hoard, whether for longboards (the most popular style) or paddleboards. The number of sales from the site has more than doubled over the past year. And while a decent collectible now costs around $2,500, he recently sold surfboards for $22,000 (a 1960s longboard) and $31,500 (a 1930s paddleboard). “Record prices have increased significantly.”

While the increase matches a general increase in demand for vintage goods like sports cars, Thompson also attributes it to the inclusion of surfing in last year’s Olympics for the first time. “Millions of people have been able to see the sport in a new light,” he says. There’s a “widening pool of wealthy surfers,” acknowledges Scott Bass, executive director of the prestigious California Gold Surf Auction. “The clientele is much larger than it was in the early 2000s.”

Two Takayama boards belonging to Financial Times CEO John Ridding

Two Takayama boards belonging to Financial Times CEO John Ridding © Courtesy of John Ridding

The appeal of retro surfboards is easy to grasp. “You don’t have to be a good surfer to appreciate the design,” says John Ridding, CEO of FinancialTimes, who has owned eight longboards since the 1950s. They are “simple” and “streamlined”, he says, combining “usefulness and grace”. And they remind us of the sexy, sunny world of films such as gadget (1959) and endless summer (1966). “It’s a fun culture to be around,” says Bass. “Surfboards are a little more fun than stamps.”

The most valuable boards are those made – and signed – by legendary shapers such as Noll, Gerry Lopez, Pat Curren, Dick Brewer and Donald Takayama. Ideally they are in pristine condition with a good story behind them. “The characters in our culture determine the value of boards,” says Bass. Surfboard Hoard currently sells a redwood board from the 1920s with “DUKE” engraved near its nose: it was the personal board of legendary Hawaiian Duke Kahanamoku (1890-1968), who became the “father of modern surfing” when he popularized the sport in the world. early 1900s performing graceful exhibitions around the world. “It’s museum quality,” says Thompson, estimating its value between $50,000 and $75,000.

Council maker and restorer Wayne Winchester outside his shed on the south coast of Western Australia

Boardmaker and restorer Wayne Winchester outside his shed on the south coast of Western Australia © Matt Goodall

Redwood Board by Duke Kahanamoku, POA, onboardhoard.com

Duke Kahanamoku’s own redwood board, POA, surboardhoard.com © Surfboard Hoard

Seeking to “revisit their youth,” collectors like to grab boards that date back to their teenage years, Bass says. It could be freewheeling from the late 60s and 70s, when there was a “tremendous amount of experimentation” with designs, says Wayne Winchester, who displays 80 of his personal collection of 200 in his gallery of ‘Western Australia. Right now, though, the 1980s are hot because it was the coming-of-age era for the new class of collectors: guys in their mid-40s – including a sizable cohort of Silicon Valley. “Really loud” foam and fiberglass concoctions with airbrushed murals and quirky neon airbrushed twin fins can fetch upwards of $10,000, says Thompson.

Waikiki board in poplar and redwood by Tom

Poplar and Redwood Waikiki Board by Tom “Pohaku” Stone, POA © Anne Stone

Although the majority of collectors buy boards for display, not for surfing, Ridding likes to kick things off. His motorized “Bloomingdale’s Jetboard” – an innovative design created by the heir to the department store fortune in the 1960s – is admittedly too “clumsy” for the waves, but his cream and green Takayama noserider “will take to surfing the spots near Biarritz on the roof of my car in the summer,” he says.

Tom “Pohaku” Stone, born and raised in Hawaii, makes models based on the models his ancestors rode in the 17th, 18th and 19th centuries. He also thinks surfboards should be covered in salt water. He carves round-nosed creations in his Oahu garden from precious woods like breadfruit before selling them to collectors — and museums — for more than $35,000. He likes to take everyone surfing before sending them away. “I see them as functional parts of my culture,” Stone says. “It’s not just a piece of wood hanging on your wall, it’s a story: someone took it to the ocean and caught a wave on it.”

What is debt consolidation? | Accelerate lending


The Easiest Debt Consolidation Methods

There are several types of debt consolidation methods you may want to use to lower your payments, lower your interest rates, and more. Take a look at some of the easiest debt consolidation methods available to you below.

Balance transfer

A balance transfer is a type of credit card transaction that occurs when debt moves from one account to another. This type of debt consolidation is generally only used for credit card debt. It can be beneficial to know that you’ll get a lower interest rate that doesn’t go up later.

Home Equity Line of Credit (HELOC)

A home equity line of credit (HELOC) is a type of second mortgage that lets you borrow against the equity in your home. You receive a revolving line of credit, which can be replenished once you reach a predefined credit limit, but only as long as you make interest or minimum payments throughout what is known as your drawdown period .

When you reach the end of your draw period, you enter repayment mode and must make full payment of interest and principal. A lender typically lets you borrow about 80% of your home’s equity.

However, it should be noted that HELOCs use your home as collateral for the loan. This means you must have equity in a home to get one, you could also lose your home if you stop paying back the amount you borrowed.

This type of loan can be beneficial for homeowners who know they are in a strong financial position to make their payments, who will also benefit from a lower interest rate and pay less overall.

Please note that Rocket Mortgage® does not currently offer HELOCs.

Home Equity Loan

A home equity loan is also a second mortgage and debt consolidation strategy that allows you to tap into the equity in your home. Lenders typically allow you to borrow around 80% of your home’s equity with a home equity loan. You will receive a lump sum which you repay with a fixed interest rate based on a fixed payment schedule. Just like with a HELOC, you will be putting your home up as collateral for a home equity loan.

Similar to a HELOC, it’s a good idea to have confidence that you can make your payments throughout the life of your loan and that you’re okay with the debt consolidation for mortgage strategy. Plus, you’ll want to make sure you pay less over time with this option than if you kept all your loans separate.

Please note that Rocket Mortgage does not offer home equity loans at this time.

Cash Refinance Loan

A cash refinance is an option that replaces an old mortgage with a new one whose amount is greater than the amount originally due. It is a method of debt consolidation reserved for mortgage holders. You’ll be tapping into the equity in your home when you opt for a cash refinance.

If you want to transfer to one convenient payment and are comfortable with the idea of ​​borrowing against the equity in your home, a cash-out refinance might be a good decision.

My condition hampers my interpretation of headlines and signs


Content of the article

I was recently self diagnosed with LTD: Lateral Thinking Disorder. I define this condition as: A chronic habit of misinterpreting information from seemingly unrelated angles.

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According to the Canadian Institute for Lazy Psychoanalysis (CILP), extensive clinical studies prove unequivocally (if CILP was not invented by me) that I am making this all up, that there are two forms of brain-triggered logic:

Left-brain, “vertical” logic: the classic approach to interpretation using step-by-step procedures from clear data. (IE.Sane)

Right brain, “horizontal” logic: Lady Gaga.

As I get older (in the words of embalmed living Keith Richards), I want to grow old and I constantly find myself looking at things from seemingly derailed frames of reference. I first noticed my ILD symptom a few months ago while staring at a STOP sign: I sat in my car thinking, “Stop what?” This was shortly followed by a widespread inability to discard any packaged food item labeled “best before (date)” because I wonder if that just means it’s “not as good but still okay after ( date).” (Why can’t he just say, Throw it away?)

Every time I pass a train of cones with no road workers and come to a sign that says END OF CONSTRUCTION, I mumble, “Yeah. | Why don’t you?”

The most serious manifestation of my imagined sickness is an increasing difficulty in correctly interpreting headlines. For example:

“To what extent should the electric train project be transparent? – Well, not so much that you can’t see the trains coming and going. And you shouldn’t be able to see through the stations either.

“The city’s fall leaf collection starts today” – Why would anyone collect leaves? It’s a boring hobby, especially at this time of year when they’re so fragile. It would make more sense to collect them directly from the trees while they are fresh. Also, some newer developments don’t have as much variety there. Anyway, even philately is more interesting (although I’d rather stick a nail in my nose.)

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My LTD has become particularly chronic over everything written about dog parks:

“Retarded Local Dog Pen” – Why would anyone bother slowing down a dog?

“The city won’t make its parks dog-free zones” – Although it’s a good idea, you can get free dogs at any shelter.

“The city is going to have a new dog park” – What about old dogs, should they be discriminated against? What is the age limit and how will it be enforced?

“A large dog park is opening soon” – And small dogs, what is chopped liver?

Generally speaking, why do we need dog parks? I can see it with cars, but why park a dog and then leave it unattended? And forget the cat pens, let alone trying to herd them.

My friends tell me that I just torture them with pointless puns. Then they roll their eyes and say what my wife and my readers have been saying for years: “You’re not funny.” Although my better half has a more nuanced explanation for my LTD: “You never listen.” Although I disagree with her because I don’t listen to her when she says it, I have noticed an increase in marital “episodes” such as:

Her: “Have you thought about taking the cat out?”

Me: “I didn’t even know I was fighting with it.”

Her: “You’re not funny.”

City Life Org – National Postal Museum Announces Postal History Scholarships


Professional and graduate student awards given for 2022

The Smithsonian’s National Postal Museum sponsors biennial awards for recent scholarship in the history of the postal system in the United States and its territories and their antecedents. The US Postal Service launched these awards in 2007 to honor its first historian, Rita Lloyd Moroney. These awards—now the National Postal Museum Awards for Scholarship in Postal History—are designed to recognize scholarship in the history of the U.S. postal system and to raise awareness of the importance of the postal system in American life. Work by scholars and professionals (faculty members, independent scholars, and public historians) is eligible for a $2,000 award, graduate student scholarships are eligible for a $1,000 award, and public history presented online are eligible for a prize of $1,000.

The 2022 winners are:

Professional price

Cameron Blevins, Paper Trails: The US Post and the Making of the American West. New York: Oxford University Press. (2021)

In Paper Trails: The U.S. Post Office and the Making of the American West, Cameron Blevins, Ph.D., collaborates with disparate and fascinating sources to bring a critical institution, the U.S. Post Office, to the forefront of 19th-century American history, particularly as it relates to the rapid colonization, conquest and dispossession across America. West. Its narrative smoothly transitions from intimate family histories to a larger statecraft project to demonstrate how individuals were closely tied to the federal government through the United States Postal Department. It also examines the administrative and logistical flexibility essential to the department’s creation of a rapidly evolving western communications network. The book’s companion website visualizes both this rapid change and adaptation through accelerated digital maps and the enormous scope of the department’s presence compared to those of other federal agencies. paper traces makes a significant contribution to postal history and to American history more broadly.

Blevins is an associate professor, clinical teaching track in the Department of History at the University of Colorado at Denver.

Graduate Student Awards

Efrat Nechushtai, “Making Messages Private: The Formation of Postal Privacy and Its Relevance for Digital Surveillance.” Information & Culture: A Journal of History, 54, no. 2 (2019): 133-158.

“Making Messages Private: The Formation of Postal Privacy and Its Relevance for Digital Surveillance” by Efrat Nechushtai, Ph.D., draws on a wide range of understudied primary sources to convincingly demonstrate that the legislative decision to prohibiting the opening of letters, which was enshrined in the Post Office Act of 1792, resulted from political and, above all, commercial considerations. These ranged from the belief that a republic should not monitor the mail of individuals to providing merchants with reliable and confidential networks for correspondence. An expectation developed that an individual’s personal communications were confidential. As the author shows, this expectation is challenged in today’s debates about an individual’s rights to privacy in their digital lives that echo, but also differ in important ways, from discussions about postal confidentiality at the end of the 18th century. This essay is therefore a valuable contribution both to historical scholarship and to today’s pressing debates about the regulation of digital media networks.

Nechushtai completed her doctorate in communications at Columbia University in 2020 and is now an assistant professor at George Washington University’s School of Media and Public Affairs.

The National Postal Museum congratulates Blevins and Nechushtai and thanks everyone who submitted material. Their diverse work advances postal history research in new and exciting directions that demonstrate the centrality of American history to the Postal Service and the mail it carries.

More information is available on the rewards.

About the Smithsonian’s National Postal Museum

The National Postal Museum is dedicated to showcasing the colorful and captivating history of the national postal service and displaying one of the largest and most comprehensive collections of stamps and philatelic material in the world. It is located at 2 Massachusetts Ave. NE, Washington, DC, across from Union Station. For more information about the Smithsonian, call (202) 633-1000 or visit the museum’s website at postalmuseum.si.edu.

Read Before You Burn: What Happens If You Try Cannabis And Don’t Like The Effects? | Weed News | St. Louis | St. Louis News and Events



The cannabis high can be subtle and affect you in unexpected ways.

Let’s say you smoke marijuana – maybe for the first time. What do you do if you just don’t like it?

Maybe you tried it and didn’t get high. If this is your first time using THC, this could be it. It sometimes takes two or three tries to integrate the human cannabinoid receptors and reach their maximum capacity.

Another reason not to feel the buzz is that you just might not recognize it’s happening. Some people expect it to feel like they’re drunk or like some other drug they might have taken. The marijuana high can be subtle and affect you in unexpected ways. For example, instead of getting loud and noisy, you might suddenly be fascinated by the weaving of your clothes or the taste of the best peach you’ve ever eaten.
Another reason you might not feel high is that you have a weed. This happens less often these days, but it is a possibility. Or you may not have taken or smoked enough. Wait a bit and see what develops. Do not rush to take more and more. For one, your high may have been delayed and the extra THC in your system will make you way too high. If you’re still not getting high, maybe it wasn’t meant to be. Try again on another occasion.

If you’re high and you don’t like the feeling, you might not care about that feeling of getting a little out of control, drifting, and falling into a time warp. Other feelings can be anxiety or paranoia, which can be very serious. However, these feelings can be managed by employing one or more of the following strategies:

1. Go to sleep. Chances are, when you wake up, you won’t be stoned anymore, or at least not as stoned as you used to be. You can sleep for a very long time and that’s normal. You may also have strange dreams. But aren’t all dreams a little weird?

2. Relax and know it will be over soon. The peak of a smoked or vaped marijuana high comes just minutes after ingestion, and it’s a slow decline from there. If you ate it, the experience will last longer, maybe six hours or more, but in the end you will slowly come back down.

3. Go to the bathroom. Unless you are in a really strange place, everything there will be very familiar to you and the solitude might relax you. Maybe there will be plenty of fresh white china and you can rub your hands on it. Maybe you can open a faucet and listen to the water. Don’t be surprised if someone knocks on the door asking why you’ve been there so long.

If it’s your own bathroom, a long, warm, relaxing soak might be just what you need. Chances are you won’t pass out and drown in the tub. And no matter how much you might want to think about this possibility, you can’t swirl down the drain with the water. (If there is a bidet inside, consider that you may have transported it to France.)

4. Speaking of water, if you’re near a lake, river or stream, go sit and watch the water flow. Science tells us that looking and listening to water induces a flood of neurochemicals that relax us. That’s why we love the beach so much or find the fishing to be so meditative, even when no fish are caught. If you become fascinated by this idea, check out the book Blue Mind: The Startling Science Showing How Being Near, In, On, or Under Water Can Make You Happier, Healthier, More Connected, and Better at What You Do.

Water is a very powerful force and affects the human psyche in mysterious and generally good ways.

5. Listen to music you like. Like water, music affects us powerfully and deeply. It improves your mood, relieves symptoms of depression, inspires you and entertains you. While listening to music, you could try dancing. Being part of a group doing the electric slide can give you a sense of organic integrity with the rest of humanity. If you don’t like music or dancing, then maybe you should leave marijuana alone.

6. Find your friend who gave you the marijuana and let them know how you feel. Maybe you should all take a long walk together in the park. As you commune with nature, not only will the natural environment be soothing, but the physical exertion will help your body settle into a familiar rhythm and get you out of your head.

7. Eat something really good. They don’t call it comfort food for nothing. You will find the good taste of food and the well-being provided by a full stomach. Hot, freshly baked goods are some of the most comforting things you can eat.

8. If you have a hobby like stamp collecting or building ships out of bottles or mixing music in your basement studio – something that gets you lost in the details for hours – then do it. You’ll probably forget you’re stoned.

9. Sometimes you just have to get by. Remember, no one has ever died from a marijuana overdose, and you haven’t irreparably damaged your blood circulation, your body, or your brain.

10. There’s always physical contact, like holding hands, hugging a friend, or getting a massage. These warm, physical assurances of human connection might be just what you need. Sex may be appropriate at some point, but if you don’t feel in your comfort zone, trying something sexual could bring up issues you don’t want to deal with right now.

Before trying anything new, especially anything involving concentrates or extracts, be sure to read the information on the package. Remember, you shouldn’t eat the whole 100mg THC chocolate bar at once. (Aim for 10 mg or less, and increase from there after waiting about an hour.)

Cannabis is a beautiful thing that affects different people in different ways and varies from situation to situation. Be safe, be with friends and be well.

Travel: answers to 7 questions about passports


After months of vehement representations of The Independentthe Foreign Office has now aligned its travel advice with European Commission rules on passport validity for British visitors to the EU.

The change follows similar moves by the two major low-cost airlines, easyJet and Ryanair.

Many readers have contacted The Independent seeking clarity on the rules. These are seven of the key questions.

Q: My passport was issued on 29th May 2012 and is valid until 29th February 2023. Will I be allowed to travel to France with Irish Ferries on 28th May?

Samantha Morris

A: Great time. According to European Union rules, you will travel on the last possible day that your passport will allow you to travel to most of Europe.

The entry requirements for a UK passport holder into the EU (and the wider Schengen area, including Iceland, Norway and Switzerland) are as follows:

  • Date of issue less than 10 years ago on the day of entry into the EU.
  • Expiry date in at least three months from the expected day of return.

You fulfill the first condition of a single day – which is sufficient for the European authorities – and the second of six months.

An irritation is that Irish Ferries’ online advice on the subject seems to be ancient history. It says: “In the event that the UK leaves the EU without a deal, UK passport holders traveling to France should note the following:

“On the day of your trip, you will need your passport so that you have at least six months left [and] be less than 10 years old (even if they have six months or more left).

The first of these conditions is false, but you pass it anyway. Have a good trip.

Q: I am traveling to Portugal on June 23 for a week. My passport was issued on September 21, 2012 and expires in February 2023. Will I be allowed entry? I keep reading conflicting advice and Ryanair is unclear on this.

Ben S

A: Over the past six months, the European Commission has been crystal clear on the two rules applicable to British visitors to the EU. But many travel companies have been slow to correct their policies and online information to comply with the rules.

Ryanair changed its terms and conditions last week, but I understand that during the check-in process passengers must still tick a box indicating they have at least six months to run on their passports.

This is an unenforceable clause and you can safely ignore it if your passport complies with the above rules. In your case, you can enter Portugal any day until September 20 and stay there for up to 90 days (another EU rule we asked to be subject to).

Please don’t renew your passport unnecessarily early – this only adds pressure to the HM Passport Office and slows down the process for people who really need new documents.

Q: I just wanted to confirm that as long as I have more than six months on my passport but less than 10 and you’re not going to a European country (in my case I’m going to Turkey) then I’ll be okay for travel?

Jen P

A: Are you going somewhere other than the EU and the Schengen area? Ignore the date your passport was issued. Focus only on the expiration date. And while it’s good to have six months for Turkey, forget everything you’ve been told about a mandatory six-month validity requirement worldwide.

My colleague Lucy Thackray has written a very helpful article on passport expiration requirements around the world.

As she says, each country sets its own rules on how long it requires before your passport expires. Many of them – including Argentina, Australia, Barbados, Japan, Mexico, Tunisia and the United States – allow you to stay there up to and including the expiration date of the passport. Cleverly, Costa Rica says your passport must be valid for at least one day from the date of your departure – this means you should be able to return home with no problem.

Around the world, there is little agreement: Cuba wants two months left when you leave the island. The European Union wants three months left on the day you leave the EU, and it’s also the only part of the world that cares about when your passport was issued (it must be less than 10 years ago the day of your entry into the European Union).

Many popular countries including Dominican Republic, Egypt, Israel, Kenya, Peru, Singapore, Sri Lanka, Thailand and United Arab Emirates (including Dubai) want six months left on the day you intend to leave their country.

In the case of Turkey, the rules are more complex, but it is best to follow the advice of the Ministry of Foreign Affairs, which states: “Your passport must be valid for at least six months from the date of your arrival and there must be a complete blank page for entry and exit stamps.

And for the avoidance of doubt: there is no illusionary “new” expiration date 10 years after issuance. Many people’s passports will be valid for exactly one decade, but if you’re lucky enough to have longer than that, only the printed expiration date matters.

Q: My children have passports issued in November 2017 which are valid until April 2023. We are going to Cape Verde in August will they be valid or do we need to renew?


A: Yes, they are fine. Cape Verde is one of those countries where you need six months validity from the date of entry. As mentioned above, the date of issue is irrelevant for locations outside the EU. (And of course, all children’s passports pass the European test issued within the last 10 years.)

Q: Do you have any idea of ​​the latest news on the border between Gibraltar and Spain? We are passing through Gibraltar to stay in Spain at the end of the month. We have heard of issues where you need to prove that you have accommodation/return flights/sufficient funds for your stay. My in-laws were held for several hours a few weeks ago.


A: What your in-laws went through was exactly what the UK asked for. The Withdrawal Agreement negotiated after the Brexit vote called for British passport holders to be considered ‘third country nationals’.

As such, border officials are obliged to ensure that arrivals from the UK will not become a burden on the state and will not illegally overstay.

Many border crossings do not strictly enforce the rules; but conversely, Spain may have its own political reasons for making a point.

Gibraltar may become part of the Schengen area, which will be politically interesting – but practically very useful, without fixed border controls between the British Overseas Territory and Spain.

Q: I have a UK passport which was issued on 1 October 2012 and has an expiry date of 1 April 2023 which makes it valid for 10 years and six months. Is my passport valid for travel to Thailand in August?

So confused with all the news articles and can’t get to the passport office.

Gill P

A: Trust what I say – your passport is valid to enter Thailand until October 1, 2022; it happens to be coincidentally his 10th birthday, but that doesn’t matter. What matters is that on the day of entry there are at least six months left on your passport.

To reaffirm: the only places on earth that care about when your passport was issued are countries in the European Union. All other countries just want your expiration date to be compliant.

There is no need to contact the Passport Adviceline: they are not qualified to answer questions about the rules of nations around the world.

(Gill replies later: thank you, someone finally understood. The passport office didn’t answer, the Thai embassy told me to ask the airline, they just circled around!)

Q: I’m still freaking out about my passport. Ends September 2022. He will have three months back in the UK from Ibiza. Are you OK ?


A: From the information you provide, I can’t say – but you may well be ineligible to travel within the European Union, I’m afraid.

I take it that your passport was issued between December 2011 and September 2012 and that you are traveling for a break of a week or two in May or June 2022. It is clear that your passport meets the expiry date condition – but I’m afraid it won’t pass the issue date test.

If your departure date is on or after the 10th anniversary of the passport, you will not be able to travel. However, if you’re just a few days off (for example, your passport was issued on June 1, 2012 and you’re due to travel on June 2, 2022), it might be worth changing your flight for May 31 (or buy a completely new one). You will be able to enter Spain legally; spend a few days in a local hotel; then begin your actual vacation.

If, however, the dates don’t work, you’re in a tricky position: HM Passport Office has priority options, but these are hopelessly oversubscribed. With three weeks to go, it’s worth applying online for a renewal; if you get the right application (and especially make sure the photo is correct), chances are you’ll get a new document by the end of the first week of June. I hope it’s in time.

Do you have any topics you would like to see an expert host a ‘ask me anything‘ on? Let us know your suggestions in the comments below.

The Value of Imperfection – South Platte Sentinel

Ken Frantz

What a curious thing among collectors, the tendency to value imperfection, error and error over perfection. This is especially true of those who collect postage stamps, coins and coins. A much higher value is found in those few elements among the millions of others which are the exception to the rule, the abnormal, the unique. With postage stamps, errors fall into three general categories: misprints, typos, and non-perfs. Printing errors are just that, printing efforts that fail, are misaligned, or even omitted entirely, including colors, lettering, and naming. Some of the most valuable misprints have reverse printing, letters or images that are upside down.

Errors and non-perforations describe the misplacement or omission of the correct perforations between stamps, perforations that allow them to be separated easily. These more often end up on spools or rolls of stamps if the machine creating the perforations is misaligned. Imperfections attract our attention. We display them proudly, and because there are so few instances of them occurring in automated processes, they create value in themselves. Fake-perfs and non-perfs range from $10 to $30 or $40. Printing errors can exceed several hundred dollars depending on the particular error involved.

How curious that society apparently values ​​compliance over non-compliance, the spirit of the status quo rather than challenging it. By philatelic standards, one would think the opposite would be true. If justice in an unfair environment is so rare, why isn’t it more embraced? We are hesitant even within our churches to think outside the box and explore questions and concerns that no one has dared to ask. What will others think? Will they condemn me if I don’t speak, act, and believe in exactly the same way they do, or the way the church expects of its members? There is a long list of imperfections to choose from!

And what if a personality lands near the hallowed altars of respectability and religious sameness, and we identify them as a misprint or an error or a misperf? Will we find ways to reject them or come to a new understanding of their value and think about all the ways they should be highly valued? How exciting would it be to look for the imperfect rather than starting with the assumption of perfection? As with stamps, this could turn into one hell of a treasure hunt.

God’s gifts and God’s call are fully guaranteed – never cancelled, never cancelled… God ensures that we all experience what it means to be on the outside so that he can personally open the door and welcome us to new. like this extravagant generosity of God, this deep, deep wisdom? It is way over our heads… (Romans 11:29, 32-33, The Message).

It’s as exciting as discovering imperfections while rummaging through the dab drawer! It is time to recognize the value of imperfection in other places as well, including in our own church communities.

Want student loan forgiveness? To qualify, borrowers may need to do this first


The Biden administration has unveiled two sweeping temporary extensions to student loan forgiveness programs. The Ministry of Education has indicated that millions of student borrowers could ultimately benefit, many of them automatically. But other borrowers will first have to take a critical step to qualify for student loan forgiveness: direct loan consolidation.

Here are the details.

PSLF Student Loan Forgiveness

Last October, the Biden administration announced a broad initiative to expand access to the Public Service Loan Forgiveness Program (PSLF). PSLF offers student loan forgiveness to borrowers who work at least 10 years for eligible nonprofit or public organizations. But until Biden’s announcement, the PSLF program had very strict eligibility criteria and was plagued with administrative problems, leading to a refusal rate of up to 99%.

Through the new “Limited PSLF Waiver” program, the Biden administration is temporarily relaxing several basic PSLF eligibility rules to allow many more borrowers to qualify, albeit temporarily. Under the waiver, the Ministry of Education will be able to count past loan repayment periods that would have been rejected under the original PSLF, including payments made under ineligible repayment plans or on types of ineligible federal student loans.

Student borrowers who already have direct program federal student loans — which are loans issued and held directly by the federal government — may not have to do much to qualify, other than submit PSLF employment certificate forms that confirm the borrower’s qualifying employment dates.

But for borrowers with student loans from the FFEL program — an older program where commercial lenders issued federal student loans that were backed or guaranteed by the government — an extra step is required to qualify for the PSLF waiver. limited. The same goes for federal Perkins loans, which are student loans issued by colleges and universities that are also backed or guaranteed by the government, and other non-direct federal student loans.

“If you have Federal Family Education Loans (FFEL) program loans, Federal Perkins loans, or other types of federal student loans that are not direct loans (for example, those from former loans, such as federally insured student loans [FISL] or National Defense Student Loans [NDSL]), you must consolidate these loans into the Direct Lending Program by October 31, 2022,” the Department of Education states. The limited PSLF waiver ends on this date – so to qualify, these borrowers must consolidate into the direct lending program by then.

Student Loan Forgiveness Through Income-Oriented Repayment

Just weeks ago, the Biden administration went even further than the limited PSLF waiver and announced a massive “fix” to income-contingent reimbursement (IDR) plans. IDR programs — which include individual repayment plans such as Income-Based Repayment (IBR) and Pay As You Earn (PAYE) — use a formula to provide borrowers with affordable student loan payments tied to their income.

IDR plans are a mandatory component of the PSLF under the original PSLF program rules. IDR plans also have their own student loan forgiveness (regardless of the borrower’s employment) that takes effect after 20 or 25 years, depending on the specific IDR plan.

But just like with PSLF, IDR program requirements have always been poorly communicated to borrowers. And the government has done a poor job overseeing the program and tracking borrowers’ progress. As a result, according to Ministry of Education statistics, only a few dozen borrowers were eligible for student loan forgiveness under the IDR.

To address these issues, the Biden administration announced a broad “IDR adjustment” whereby many past repayment, forbearance, and deferment periods that otherwise would not count toward the repayment term of a borrower can be counted retroactively. This will benefit millions of borrowers who have been in IDR plans or simply been in repayment for many years, as well as borrowers applying for student loan forgiveness through the PSLF.

But just like with the limited PSLF Waiver program, borrowers with FFEL loans would need to consolidate to benefit. “If you have FFEL loans held for commercial purposes, you can only benefit from the IDR account adjustment if you consolidate before the end of the implementation of these changes, which is estimated at the earliest on January 1, 2023 “, says the Ministry of Education of published guidelines.

Biden eyes broader student loan waiver

President Biden is also reportedly considering broader student loan forgiveness initiatives. Although he was ruled out for $50,000 or more in student loan forgiveness, he is considering smaller student loan forgiveness amounts. White House officials are debating whether to include income-based eligibility restrictions, which could lead to a formal application process borrowers would have to endure.

While it is too early to know whether FFEL borrowers would need to consolidate into the direct consolidation program to benefit from it, it is certainly a possibility, in light of how the administration is implementing the limited PSLF waiver. and IDR adjustment.

Next steps for borrowers applying for student loan forgiveness

Borrowers who are interested in the Biden administration’s latest student loan forgiveness initiatives should review current Department of Education guidance and determine if action is needed:

As part of the limited PSLF waiver and IDR adjustment, the Ministry of Education has indicated that periods prior to loan consolidation may be considered for loan forgiveness, which has not always been the case.

Note that the Federal Direct Consolidation Loan process can take 30-60 days, so borrowers should not wait until the last minute to proceed. Direct loan consolidation may not be the right decision for all borrowers, so it is important to understand how each initiative works before consolidating.

Further Reading on Student Loans

40,000 student borrowers will automatically get ‘immediate debt cancellation’ – but questions remain

Thousands of Jobs Qualify for Expanded Student Loan Forgiveness Program

Who qualifies for student loan relief under Biden’s huge new income-based repayment expansion

Student Loan Forgiveness: Department of Education Launches Appeals Process for Civil Service Borrowers

In the news on this date: May 16 | News, Sports, Jobs


local history

50 years ago: May 16, 1972

The Young Men’s Shop and Jack Beasley Ford have teamed up to offer two couples each from Altoona Area, Bishop Guilfoyle and Hollidaysburg High Schools a chauffeured Lincoln Continental ride to their proms and then back home.

25 years ago: May 16, 1997

The Altoona Police Department, using $40,000 in federal funds, began a two-man night patrol effort in areas called “hot spots” from the city. Gerald F. McCaulley and Lt. Janice Freehling were the first pair for the new summer patrol effort. Thirty officers had volunteered for the program.

10 years ago: May 16, 2012

Coroner Patricia Ross announced Blair County will begin collecting a $25 cremation fee, as permitted by state law. There were 508 cremations in Blair County in 2011, which reportedly raised $12,700.

— Compiled by Tim Doyle

The history of the world

Today is Monday, May 16, the 136th day of 2022. There are 229 days left in the year.

Today’s highlight in the story:

On May 16, 1943, the nearly month-long Warsaw Ghetto Uprising ended when German forces crushed Jewish resistance and blew up the Great Synagogue.

To this date :

In 1770, 14-year-old Marie Antoinette married the 15-year-old future King Louis XVI of France.

In 1866, Congress authorized the minting of the first five-cent piece, also known as the “Nickel Shield.”

In 1929, the first Oscars were awarded. “Wings” Won “best workmanship” while Emil Jannings and Janet Gaynor were nominated for Best Actor and Best Actress.

In 1939, the federal government launched its first food stamp program in Rochester, New York.

In 1957, Federal Agent Eliot Ness, who organized “The Incorruptibles” team that faced mobster Al Capone, died in Coudersport, Pennsylvania, at age 54.

In 1960, the first working laser was demonstrated at Hughes Research Laboratories in Malibu, California by physicist Theodore Maiman.

In 1966, China launched the Cultural Revolution, a radical and murderous reform movement aimed at purging the country of “counter-revolutionaries”.

In 1990, the death claimed the life of artist Sammy Davis Jr. in Los Angeles at the age of 64 and “Muppets” designer Jim Henson in New York at age 53.

– The Associated Press

Today’s breaking news and more to your inbox

Studio Seitz brings Swiss craftsmanship to New York


Kevin Seitz and Rob van Wyen launched Studio Seitz in 2019 with the mission of regenerating declining specialist craft businesses, especially those they had first-hand knowledge of. “We had this desire to keep these niche but dying crafts alive, working with individual artisans,” says Seitz, who comes from generations of Swiss makers in Berneck, known for its ceramics.

Designed by necessity, built to last

“Creating things out of necessity,” they say, is the centerpiece of their range of furniture and lighting, which includes a wooden bench, stool, chest of drawers, brass sconces, desk lamp in mouth-blown etched glass and more. Their new “Wall Mirror” references a traditional Alpine milking bucket. The carving of the wooden frame is done by Reto Mösli – one of only four experts in the world who still carve using this technique, according to Seitz.

‘Stabellenstuhl’ by Studio Seitz, bedside table and wall mirror. “The sculpted details and hand-stamped metal are inspired by the traditional attire of Swiss farmers, who took cattle to the mountains in the spring and brought them back in the fall,” says Kevin Seitz.

Understated and uncluttered, Studio Seitz designs are shaped by purpose. “We place a high value on cultural objects that may be ubiquitous or often overlooked,” says Seitz. “The greatest reward for us is finding a way to redefine the way we can look at a seemingly mundane and sometimes dying tradition – by reinvigorating its purpose and appreciation.”

Nevertheless, the minimal aesthetic belies a deep consideration. The couple’s teapot, for example, was an evolution of Seitz’s university thesis, which he wrote about third-culture children: children who grow up outside of their parents’ culture. Seitz, who has a Swiss father and a Malaysian mother, was born in Spain and lived in Manchester before moving to the United States at the age of ten. ‘For me, being Swiss-German and Chinese Malaysian is like a very big part of who I am. I wanted to create a physical object that represents the conceptual space of in-between, dual cultures that are usually at opposite ends. It was therefore a question of marrying the Chinese customs of tea and the ceramics of my grandfather.

Kevin Seitz comes from a long line of ceramists. The artisan teapot is inspired by Chinese tea customs as well as its Swiss heritage

Collaborative know-how

Collaboration with the Swiss maker community is at the heart of Studio Seitz’s work. “A lot of people we work with are actually family members, friends, or people who have worked with our family before,” says Seitz, whose great-grandfather was a noted ceramist. Those who are not blood relatives have become family through the collaboration of their work, sharing their particular techniques honed over the years, even generations.

Adalbert Fässler, a sixth-generation metalworker, hand stamps the ornate brass handles of the chest of drawers and bedside table; fourth-generation master carpenter Urs Mätzler (“his craftsmanship is the benchmark by which all other craftsmen are judged – honesty infused with passion and care that can never be duplicated in mass manufacture”, say Seitz and van Wyen) creates much of the carpentry; The family workshop of fifth-generation craftsman Thomas Seitz produces the candle holder, pendant lamp, desk and table lamp and hardware for the chest of drawers and bedside table.

The duo held a photoshoot at a house in Ghent designed by Thomas Phifer and Partners. “It was very brutalist, all concrete,” van Wyen says. “Architecturally it was very simple and clean, but also welcoming and warm with lots of wood”

Responsible manufacturing

Reflecting the simple mountain life led by the original Swiss makers, Seitz and van Wyen use only locally available natural materials, often doing away with nails and screws (their popular ‘Stabellenbank’ stable bench is designed to be maintained only by the position of his feet and his own weight). They favor solid European ash, grown nearby in eastern Switzerland. “They are very strict in Switzerland when it comes to regulations, especially with the laws on cutting down trees and things like that. For us to be certified “Swiss Made”, it took six months,” explains van Wyen. “They interview everyone we work with, they track every piece of hardware you use.”

Seitz agrees: “We only use solid wood. We want to make legacies. The idea is that something lasts forever and you pass it on.

A new location in Williamsburg for Studio Seitz

This summer, the duo will open their first showroom: a 120 m² former babka factory, built in 1912, which they themselves have renovated with ambition and meticulousness over the past five years. The space, which is also their home, will provide an environment to show how their creations fit into everyday life. Every detail is thought out, like the stainless steel ramp that echoes the kitchen cabinets.

The space will also house a collection of design elements from Swiss and Danish brands with which they have an affinity, including Finn Juhl ceramics, Reform kitchen and cupboards, pieces by Vipp, Ferm Living, Sonnhild Kestler textiles and craftsmanship from Appenzeller.

Studio Seitz co-founders Kevin Seitz (left) and Rob van Wyen (right) are married. They live and work together in their Williamsburg home and showroom, a renovated 1912 babka factory, which will open this summer

On demand

While some of the popular pieces, such as the bench, are in regular production, each piece is made to order. This allows the pair to administer design modifications, such as creating a different size or finish. Proponents of slow living, they operate the same way they want their furniture to be appreciated.

“We like to take our time. As if something didn’t quite work out at the time, we would just wait to find the right person, the right thing, the right vibe,” they say. “We don’t want to do things for the sake of doing things. Every piece should be special and we want to make every person happy.

The solid ash chest of drawers with hand-stamped metal handles and hand-blown frosted glass desk lamp

The ‘Stabellenbank’ stable bench is inspired by the traditional simple benches found in taverns and alpine farms. Four hand-turned legs are designed to exist without screws or nails, the bench being held together solely by its own design and weight

The solid ash ‘Stabellenstuhl’ is compact and versatile, ideal for use at the table, as a side table, or in the bedroom or bathroom

“We only use solid wood. We want to make legacies. The idea is that something lasts forever and you pass it on,” says Kevin Seitz

Each of the pendant’s concentric frosted glass shades are individually cut with patterns inspired by traditional Swiss ceramics

“I think there are only four families left in Switzerland, in the world, who do this type of carving,” says van Wyen, of the intricate strip of wood that surrounds the “Wall Mirror.”

Made of solid brass, the candle holder is reversible, its shape is inspired by the traditional milking buckets of Appenzell

Shipping Software Market Size, Trends and Forecast to 2029


New Jersey, United States – The Shipping Software Market report includes the upcoming challenges and opportunities in the market. It ensures a strengthened market position and a growing product portfolio by providing all the important details related to the market growth. It reveals some of the key insights and focuses on the impact of the COVID-19 crisis on different sectors of the economy. Identifying key business areas is the single most important factor in improving those areas and generating greater profits. This living market research provides an in-depth understanding of how new product offerings can fit into the market. It acts as the best guide and plays the leading role in almost all phases of the business cycle. It also becomes easy to effectively target customers to easily launch new products. This Shipping Software market reports another key focus is to provide manufacturing solutions at all provincial and global levels.

A comprehensive overview of market conditions and various business-related elements is covered in this Shipping Software Market research report. It enables business actors to reach target groups and provides all important details about customers and competitors. Quantitative research methods are used to conduct this market research to provide accurate market data and problem solving. The Shipping Software Market report helps to identify major regions such as Asia-Pacific, North America, Europe, Middle East, Africa and Latin America where new actors and merchants can develop their activities. Moreover, it performs in-depth analysis and provides market size, market dynamics, and market share.

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Key Players Mentioned in the Shipping Software Market Research Report:

Malvern Systems Inc, 2Ship Solutions, Megapack, Epicor Software Corporation, Pitney Bowes, ReadyCloud LLC, Logistyx Technologies, ShipHawk, V-Technologies, Stamps.com Inc.

Shipping Software Market Segmentation:

Shipping Software Market, By Deployment

• On the site
• Cloud-based

Shipping Software Market, By End User

• Retail and e-commerce
• Contract logistics
• Courier and postal services
• Air and maritime transport
• Others

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UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
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Answers to key questions in the report:

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3. Which products and applications will capture the lion’s share of the shipping software market?

4. What are the Delivery Software Market drivers and restraints?

5. Which regional market will show the strongest growth?

6. What will be the CAGR and size of the delivery software market throughout the forecast period?

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About Us: Verified Market Research®

Verified Market Research® is a leading global research and advisory firm that for over 10 years has provided advanced analytical research solutions, personalized advice and in-depth data analysis to individuals and businesses seeking accurate research, reliable and up to date. data and technical advice. We provide insight into strategic and growth analytics, the data needed to achieve business goals, and help make critical revenue decisions.

Our research studies help our clients make superior data-driven decisions, understand market forecasts, capitalize on future opportunities, and maximize efficiency by working as a partner to deliver accurate and valuable insights. The industries we cover span a wide spectrum, including technology, chemicals, manufacturing, energy, food and beverage, automotive, robotics, packaging, construction, mining and the gas. Etc.

At Verified Market Research, we help in understanding holistic market indicator factors and most current and future market trends. Our analysts, with their deep expertise in data collection and governance, use industry techniques to gather and review data at all stages. They are trained to combine modern data collection techniques, superior research methodology, subject matter expertise and years of collective experience to produce informative and accurate research.

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Postal workers collect for the Stamp Out Hunger Saturday food drive


BIRMINGHAM, Ala. (WBRC) – The 30th annual Stamp Out Hunger food drive is taking place on Saturday, and the Community Food Bank of Central Alabama is encouraging participation.

The food bank received 1.2 million pounds of food in April, but distributed 1.4 million. Lately they have given more than they have received, so they need help.

Although it’s an annual food drive, Ginger Pegues says it’s especially needed right now due to inflation and supply chain disruptions. She is acting director of development.

The food bank started seeing a lack of donations a few months ago and now some shelves in their warehouse are completely empty.

Pegues says they don’t want anyone going hungry and they need the public’s help to make that happen.

“It’s really critical right now because even when we have the donations to buy food, it takes weeks or even months to get them,” Pegues said. “So if we all come together, and again – stop by the store tonight or even look in that pantry – we can really make an impact on our neighbors facing hunger.”

All you have to do is leave non-perishable items like canned meat, canned vegetables, pasta, and peanut butter in a bag near your mailbox. For those who live in an apartment complex, you can leave them where the mail is picked up. The USPS will pick up the items and deliver them to the food bank.

Pegues says they are also always looking for volunteers to help collect and organize all the donations on Saturday. They will need help between 10 a.m. and 10 p.m. at the warehouse. She says if you are interested in help, you can sign up on their website.


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Top 10 Places to Get a Personal Loan Online


Economic times have been difficult for most of us. It is often difficult to make the salary spread from one pay period to the next. When an unexpected event blows your budget for the month, you may wonder what to do to fill the void. One solution is to take out a personal loan online to help you through the tough times. It is essential to avoid predatory loan providers so as not to pay hundreds of percentage points on small loans. If you need to take out a personal loan online, it is essential to compare interest rates and contact the financial company that offers the most competitive rates. Most people with decent credit scores can save by comparing. Even if you have bad credit, but are employed, there is a loan for you. Here are the top 10 places to get a personal loan online.

10. Achieved

  • Rating: 4.5
  • Minimum credit score: None
  • APR: 5.39-35.99%

Nerd Wallet recommends Upstart for people with bad or no credit. Upstart offers online personal loans from $1,000 to $50,000. It is one of the best options for applicants with a short credit history. This is good for borrowers trying to build their credit. Upon approval, funds may be available within one business day. You can also use this company to consolidate your debts or send direct payment to creditors. You can also choose the repayment date for your loans or change the repayment date. The company charges an assembly fee. You must have a minimum gross income of $12,000 with full-time or part-time employment for 6 months or other regular income. You must be a resident of the United States with a valid mailing address, bank account, and valid email address. Loan terms vary from 3 to 5 years. At 36 months a 5.39% loan will cost you €2,285.74 for €1,000.

9. Lending Club

  • Rating: 4.5
  • Minimum credit score: 600 or higher (good to fair)
  • APR: 6.34-35.89%

Lending Club offers online personal loans to applicants with a credit score of 600 or higher. Loans range from $1,000 to $40,000. The company does a soft credit check when you pre-qualify and offers joint loan options if you have a co-signer. You can change the payment date to the most convenient due date. The company charges a set-up fee and you have two options of repayment duration. Lending Club is a reputable finance company with high ratings in the online personal loan industry.

8. Flow of light

  • Rating: 5.0
  • Minimum credit score: 660 or higher (good or excellent credit)
  • APR: 4.99-19.99%

Lightstream offers loans from $5,000 to $100,000 to people with good or excellent credit. The advantages of Lightstream loans are low interest rates with 0.5% discount for automatic payments and no fees. On the other hand, you must have a credit history of several years with no prequalification option on the website. It does not offer direct payment to creditors for consolidation loans. It is one of the best and cheapest loans for applicants with good to excellent credit.

7. Loan Point

  • Rating: 4.0
  • Minimum credit score: 600 or more
  • AVR: 7.99-35.99%

Lending Point is an online personal loan choice that is recommended for applicants with bad credit who need funds quickly. The interest rate is based on your credit score. The company offers loans ranging from $2,000 to $36,500. They do a credit check after pre-qualification and offer the option to change your payment due date. Funds may appear in your account one day after your loan is approved. The APR is high, so it’s not the best option for applicants with good to excellent credit. It is best for borrowers with bad credit or limited credit history. This company does not participate in co-signed or joint loans.

6. Find out

  • Rating: 4.3
  • Minimum Credit Score: Not listed on website
  • AVR: 5.99-24.99%

Investopedia recommends Find out as the best online personal loan provider for debt consolidation. The APR is reasonable compared to other online personal loans and you can receive your funds as soon as a day after approval. The company provides loans from $2,500 to $35,000. They advertise that the apps have no impact on your credit rating, so we assume they have no influence on your credit rating. They do not charge origination fees or administrative fees and they send payments to creditors on your behalf or deposit funds into your bank account. Loan terms range from 36 to 84 months.

5. Upgrade

  • Rating: 4.3
  • Minimum credit score: 550
  • APR: 5.94-35.97%

Upgrade is a lender that offers personal loans online to people with bad credit, who have a minimum credit score of 55 or higher. Loan amounts range from $1,000 to $50,000. The APR is based on your credit score. The company charges an origination fee of between 2.9 and 8% of the loan amount, but offers discounts for automatic payment. They also offer direct payment to creditors. Most loan funds are released within a day of loan approval.

4. Rocket Loans

  • Rating: 4.2
  • Minimum credit score: 580
  • AVR: 5.97-29.99%

Rocket Loans offers loans to applicants with a secure monthly source of income and a minimum credit score of 580. Loans of $2,000 to $45,000 are available, with most loan funds approved being released on same day. Rocket Loans are available to applicants in most states. The company charges origination fees of between 1 and 6% of the loan and does not send funds directly to creditors. They don’t offer a co-signer or joint program, but they are one of the fastest lending companies for those with bad to excellent credit.

3. Loans below 36%

  • Rating: 4.8
  • Minimum credit score: None
  • AVR: 5.99-35.99%

Loans Under 36% is a lending company that provides online personal loans to people with bad credit, limited credit history or those with excellent credit at competitive rates. The loans offered are based on personal income and can be up to $35,000. Borrowers can choose from loan terms between 3 to 72 month repayment plans, depending on the loan amount.

2. Loan Tree

  • Rating: 4.6
  • Minimum credit score: 350
  • APR: 2.49-35.55%

Top 10 Personal Loans recommends Lending Tree as one of the best loan providers compared to the sea of ​​lenders in the financial market. They are a lender that helps borrowers with bad to excellent credit, offering the most competitive rates based on credit history. Borrowers can choose from loan amounts up to $50,000 based on personal income with loan terms from 12 to 144 months. The company offers online personal loans to eligible individuals.

1. Credible

  • Rating: 4.9
  • Minimum credit score: 600
  • APR: 3.49-35.99%

Credible offers loans up to $100,000 for applicants with a stable source of income and a minimum credit score of 600 or higher. Submit a request to receive multiple offers from lenders. Loan terms range from 12 to 84 months. Interest rates are competitive and best for those with excellent credit ratings. Loans taken out through Credible do not affect your credit score. The application process is simple and upon approval, funds are released within 24 hours.

The Queen’s £10million hobby she learned from her father and grandfather


The royal family is famous the world over for their weird and wonderful habits and pastimes, some of which date back hundreds of years of history. Whether it’s playing polo, driving horse-drawn carriages or hunting grouse, members of the royal family have very exclusive and classy hobbies.

But did you know that even some of the most privileged people in the world enjoy the same comforts as us? It seems stamp collecting has proven to be a therapeutic hobby for many royals throughout the ages. As normal as it sounds, in royal fashion, the family’s stamp collection is valued at £10million.

The Queen is the fifth royal to be added to the famous royal philatelic collection, following its inauguration by Queen Victoria’s son Prince Alfred in 1864. The prince sold his collection to his brother, the future King Edward VII, who at in turn gave to his son, King George V, then passed on to King George VI and finally to the Queen.

READ MORE: Prince George and Princess Charlotte’s lunches at posh London school are the stuff dreams are made of

The Queen loves philately

Stamps first came into circulation on May 6, 1840 at the start of Queen Victoria’s reign, when it only cost a penny to send a letter that weighed less than half an ounce. Of all the royal keepers, King George V was very dedicated to maintaining and growing the collection.

While still Duke of York, Prince George was made Honorary Vice-President of what was to become the Royal Philatelic Society of London in 1893. He also received a book containing 1,500 stamps on the occasion of his marriage to the princess. Mary of Teck from her fellow society members.

Universal History Archive/Universal Pictures Group via Getty Images
King George V was famous for his love of stamp collecting

King George V’s dedication to his hobby knew no bounds, and he even set the record for the highest price ever paid for a stamp. In 1904, a courtier asked the prince if he had seen “that some damn fool had paid as much as £1,450 for a single stamp”.

George replied, “Yeah, I’m that damn fool.” The pleasure of philately has passed from grandfather to granddaughter. Queen Elizabeth – who called King George V “Grandfather of England” – inherited his 328 stamp albums.

King George V was known as ‘England’s Grandfather’ to his young granddaughter

Royal expert Phil Dampier told Fabulous Digital: ‘The Queen loves to show visitors her stamp collection, heads of state who stay at Buckingham Palace say. It is one of her prides and joys, not only because she owns some of the most valuable stamps in the world, but also because she has built on a family treasure and feels a sense of to have done the pride of his father and of the former monarchs who owned it.

The Queen not only left the collection as it was, she added to it. The rarest and most expensive addition was a Mauritius stamp worth £2million. It was featured in a traveling exhibition to celebrate the Queen’s Golden Jubilee in 2002.

Richard Stonehouse - WPA Pool/Getty Images
The Queen left her mark on the collection

The stamp is one of the most prized in the world and was issued by the Colonial Post Office of Mauritius in 1847. The Queen also spent £250,000 on a unique set of 10 Penny Blacks dated the first day they were put into circulation. , May 6, 1840.

Do you think we should cover a story? Email rebecca.russell@reachplc.com.

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We saw the black hole called Sagittarius A* in the middle of the Milky Way. Now what?


There’s a monster swirling around the center of our galaxy, and its portrait has finally been revealed.

Overnight, the international crew of the Event Horizon Telescope (EHT) revealed an image of superheated gas flowing and falling into Sagittarius A* or Sgr A*, the supermassive black hole at the heart of the Milky Way.

It is the culmination of five years of simulations and data processing.

And while it may look a bit like a glazed donut, the new image has more to offer than meets the eye.

Space to play or pause, M to mute, left and right arrows to search, up and down arrows for volume.

Scientists reveal the image of a huge black hole in the center of the Milky Way.

On the one hand, it tells us that the black hole is 4 million times the mass of the Sun – a figure that physicists suspected, but has now been confirmed.

The black hole is also rotating, but it is oblique – slightly tilted in front of us.

But despite this veritable wealth of information about our galaxy’s black hole, there is still much to discover.

What’s so special about Sgr A*?

Well, on the one hand it is our a supermassive black hole.

“This is my home,” said Jessica Dempsey, an Australian astrophysicist and member of the EHT team.

“That’s why this one is special to a lot of people. The hunt to figure out what’s going on at the center of our galaxy goes back hundreds of years.”

And while it may not be the biggest black hole, Sgr A*’s proximity means it’s our best bet for understanding how it and its counterparts behave.

“As our instruments on the ground and in space improve our understanding, the Milky Way’s black hole will go a long way in unpacking general relativity and how it works with quantum mechanics,” said Dr. Dempsey, former deputy director of the ‘East -Asian Observatory in Hawaii.

Knowing more about the heavy heart of the Milky Way may give clues to the formation of our galaxy.

“And maybe what we can learn from Sgr A*, we can start looking…in other galaxies,” she said.

An energy giant

One of the biggest ongoing questions in black hole physics is exactly how they collect, ingest, and expel materials that orbit them at near-lightspeed in a process called “accretion.”

This process is fundamental to the formation and growth of planets, stars and black holes of all sizes throughout the universe.

Despite the glowing spiraling gas and dust in the image, Sgr A* wasn’t “eating” as much material as the team had expected.

While some black holes can be remarkably efficient at converting gravitational energy into light, Sgr A* traps and clings to almost all of that energy.

“It only converts 1 in 1,000 parts to light,” Dr. Johnson said.

And unlike the gargantuan black hole in the galaxy M87, an image of which was released in 2019, Sgr A* isn’t sending a huge burst of X-ray energy out into space.

A hazy red-orange ring with a black spot in the center.
The supermassive black hole at the center of M87 is larger and brighter than the black hole at the center of our galaxy.(Provided: Event Horizon Telescope)

But it might have a weak jet, Dr. Dempsey said, based on as yet unexplained peculiarities in the way it spins and accretes matter.

If a jet is there, the EHT can’t see it yet, but research published late last year suggests a weak jet may be presentt.

While the EHT watched the black hole, three X-ray telescopes also watched it. They spotted X-ray flares – or explosions – of Sgr A*. Signs of a jet? Perhaps.

Blank black holes to fill

James Miller-Jones, an astrophysicist at Curtin University and the International Center for Radio Astronomy Research, said measuring polarized light emitted from the black hole’s surroundings would tell us about its magnetic field.

It’s something that The EHT team reported, last year, about M87.

“Sgr A* appears to have a strong and dynamically significant magnetic field, meaning it’s a strong enough magnetic field to affect the motion of the plasma around the black hole,” Professor Miller-Jones said.

Alister Graham, an astrophysicist at Swinburne University of Technology, hoped to find out how fast Sgr A* was spinning.

“Black holes can spin at significant fractions of the speed of light, but I felt [the EHT team] was unable to get an accurate reading on this.”

Another unsolved mystery involves locating the launch site of the plasma jets that blew up the Milky Way’s colossal twin bubbles, he added.

Fermi bubbles on the image of the Milky Way
Huge bubbles of X-rays and gamma rays rise above and below the center of the Milky Way.(Provided: NASA Goddard)

So how are we going to answer these questions? First, let’s see how astrophysicists managed to peek through a cosmic curtain of stars and gas to our galaxy’s black hole.

Lights (radio), camera (telescope), action!

On a handful of nights in April 2017, when skies were clear, eight observatories from Antarctica to Europe simultaneously focused their gaze on the center of our galaxy, each tuned to record light with a length of wave of 1.3 millimeters.

These are radio waves – invisible to our eyes, but spit out in abundance by the incredibly hot and turbulent gas swirling and falling into the black hole, which produces the doughnut-shaped image.

Because the EHT observatories were separated by great distances, each telescope received the same radio signals from the center of the Milky Way at slightly different times.

A giant telescope with people walking in front on the snow.
The 30-meter IRAM telescope in Spain was one of eight that collected data for the EHT in April 2017.(Provided)

Each data point of the radio signal was “stamped” at his telescope by an atomic clock so precise that over the course of 100 million years it would only lose a second.

When it was time to combine the data, these timestamps allowed physicists to synchronize the multitude of signals and generate a cleaner picture.

This linked telescope technique, called very long baseline interferometry, essentially produces a planet-sized telescope – and one with such high resolution that it could, in theory, spot a ping-pong ball on the surface of the moon.

So how can it be improved? It’s funny that you ask…

Did someone say more telescopes?

The EHT trained its radio-ready eyes again on Sgr A* – and even more objects – in the years since its first sightings in 2017.

Other observatories have since joined the EHT network, which is already making a “really huge” difference, Dr Dempsey said.


More “eyes” means the EHT can collect more light, increasing its sensitivity and ability to spot weaker features.

“The more elements we bring in, the more sensitive we become, and the more certain we can be that we fit what we see…to the model,” Dr. Dempsey said.

“And the most critical part for Sgr A* is that we can do those snapshots faster.”

This means the team will eventually be able to take images on the timescales they need to produce a movie that captures dynamic features such as the rotation of the black hole and the gases collapsing around it.

Already, the EHT has a spatial resolution around 5,000 times better than the Hubble Space Telescope, giving the EHT a “tremendous improvement” in the ability to spy on objects at great distances, Prof Graham said. .

But to do finer details, we will need more telescopes. Not on Earth, however.

“Having a radio telescope in space will provide additional resolution gains, just like having one on the Moon,” Professor Graham said.

Indeed, the further away the telescopes in the network are, the better their spatial resolution.

Plans are underway to send a 10-metre-wide radio telescope dish some 1.5 million kilometers into space, where the gravitational tug of Earth and the Sun will hold it in place.

When integrated into the terrestrial array, the telescope – called the Millimeter Space Observatory – is expected to give the EHT a 150-fold improvement in resolution.

The mission is led by the Russian Academy of Sciences and is currently scheduled for launch in 2030.

See in a different light

Tuning the EHT’s radio dishes to pick up light of different wavelengths will also give astrophysicists different representations of the black hole.

Detecting shorter wavelengths – less than a millimeter – should provide a sharper view across our galaxy’s disk, Professor Miller-Jones said.

Comparing the brightness of the black hole’s gaseous ring at different wavelengths – for example, whether it appears brighter in one wavelength than the other – could reveal some of its physical processes.

“With the next generation [EHT] installation, it will be very exciting to test our models of the environment around the black hole and what we understand of the gas flow processes around it,” said Professor Miller-Jones.

“All of this will be very, very interesting in the years to come.”

So there will no doubt be plenty more never-before-seen information about some of the universe’s most mysterious phenomena, including our galaxy’s black hole.

“Personally, I like results that open up more questions than answers – and that [new image] is definitely one of them,” Dr. Dempsey said.

Post , update

Can you get a jobless loan? Here’s what you need to know


Getting a loan can help you in many ways when you are in a tough financial situation, however, for some getting a loan is not as easy as it is for others. Many people who need a loan cannot get a good deal because of their credit score or even because they are unemployed.

So what can you do if you are unemployed? Well, the bad news is that you may not be able to get a loan if you are unemployed. The majority of lenders will want you to have a permanent and regular stream of income, as this ensures that you have the funds to pay back.

However, this is not the case for everyone. Instead, you might find yourself able to get a loan from one or two lenders even if you’re unemployed, but the loan won’t be as good as if you were employed.

So how does it all work? Are you stuck vying for no credit check loans or do you have other options?

Can you get a loan while you are unemployed?

You can still qualify for a loan, even if you are unemployed. However, if this is your case, you will need either strong credit or another source of income to support you in this endeavor.

Unemployment can arise unexpectedly or by choice, as would be the case with retirement, lenders will still sometimes consider lending to you, as long as you are able to persuade them that you will be able to make regular payments on time.

This is the main concern of the lender.

A lender will generally want to see three things on an application. These include a good and solid credit history, a good credit rating and regular income.

A strong credit history means you have a good history of paying loans or credit on time with little to no late payments, especially recently.

Your credit rating should be as high as possible, the higher the better. Some lenders will have a minimum score that they accept. The higher your credit score, the lower your APR, the lower your credit score, the higher your APR.

Lenders should also know that you can make repayments every month. Technically, this doesn’t have to come from a paycheck, however, you should at least have a reliable source of income that will be enough to cover expenses on a monthly basis and to cover loan repayments.

What should you think about?

There are many types of loans you can get, but probably the most popular are personal loans. With these loans, you should consider the same things you should consider with any other type of loan.

There will be short and long term financial factors and consequences of taking out a loan that you should be wary of.

Here are some things you should think about.

Can you make payments on time?

First, if you’re unemployed, or even employed, being able to make payments on time is a big deal.

You should always ask yourself if you can make the minimum payment on time every time. Late payments will not only affect your credit score, but they can also lead to late fees. If you can’t repay the loan, your lender may even go further.

This means debt collection agencies and a negative credit report, if your loan is secured they can take your property, or you can even be sued.

Understanding these factors is very important to ensure you get what you need from a loan and that a loan won’t be a bad idea for you.

What are the loan terms and risks?

It is wise to make sure you understand the terms of the loan. Read the fine print and write down the important things. This includes payments, fees, penalties, interest, etc.

However, also be aware of the risks, consider the best-case scenario, then consider the worst-case scenario, and don’t go for it unless you’re happy with both.

Consider if this loan is really the best thing for you, what might happen if you are unable to make the payments, and the interest rate, what this will mean for your actual total payment.

Don’t forget to consider the consequences if you don’t repay the loan, could you end up losing your house or your car?

What are lenders thinking?

Remember that each lender will have different credit policies that they will use to determine if the borrower is most likely to repay the loan. It is a risk assessment.

So even if you don’t have a job, some lenders accept alimony, disability benefits, unemployment benefits, social security payments, pensions, child support, interest or dividends, etc.

What types of personal loan can you get?

If you are employed, you could get a secured or unsecured loan. Secured loans are tied to an asset of yours and you risk losing that asset if you do not repay the loan in full. Unsecured loans do not have this risk but usually have a higher interest rate.

You could also get a payday loan (although risky) as well as cash advance or debt consolidation loans!

DC 911 operator furloughed after sending EMS to wrong address


A The 911 operator in Washington, DC, was furloughed after sending an EMS to the wrong address on Monday.

The error delayed the emergency response to the correct address by minutes, where a woman was pronounced dead at the scene, said Christopher Geldart, deputy mayor for public safety and justice for Washington, DC. Washington Post.


“We don’t believe the delay contributed to his death,” Geldart said.

The call came in around 10:05 a.m. for a person who “was unconscious or not breathing and could not be awakened,” said Kelly Brown, chief of staff for the Office of Unified Communications, which handles all calls related to the 911 and 311. .

The dispatcher then dispatched emergency responders to the address of 122 I Street, SE, more than a mile from the actual location of 1222 I Street, SE.

The correct address was learned at 10:13 a.m. and first responders were redelivered at 10:16 a.m., according to time stamps Dave Statter obtained by the outlet.

The deceased has been identified as 54-year-old Joyce Robertson, her mother, Patricia, told WUSA9. Robertson said he called 911 Monday morning when his daughter went into cardiac arrest.

The incident prompted an investigation by the Unified Communications Office.

The incident echoes similar complaints that prompted a 2021 audit of the city’s 911 system to address areas that could be improved to increase response time as the agency fell below national standards.

Some of the areas of concern included “inadequate oversight of call answering and dispatch operations, inconsistent or ineffective use of call scripting protocols, inconsistent use of location determination technology tools to determine locations “wrote Kathleen Patterson, auditor for Washington, DC, in the 114-page report.


Earlier this year, the former head of the Office of Unified Communications was reappointed after resigning last year following accusations that the agency’s 911 system was wasting precious seconds trying to identify callers.

the Washington Examiner contacted the Office of Unified Communications and the Deputy Mayor’s Office for Public Safety and Justice for comment.

Top Gun: Maverick Review: Tom Cruise Takes Audiences On A Satisfying Journey To The Danger Zone


Structurally, this film is almost exactly the same as the first film: a group of talented pilots spend the majority of “Maverick” participating in training exercises, vying for power and position, and learning the skills that they will need later. The biggest difference is the final mission. In the original, Iceman and Maverick are literally called into action at their graduation ceremony for a mission they never knew was coming. Here, the mission looms over the entire film – everyone knows exactly what is expected of them and how impossible it seems. The objective is to destroy a highly guarded and unauthorized uranium factory before it becomes operational. Pilots must enter enemy airspace, fly through a long flying canyon at a maximum height of 100 feet to avoid appearing on radar, and use missiles to essentially fire a “Star Wars” by blowing up a hatch of venting to an underground bunker, then blasting the planter to smithereens before anyone knew they were even there.

“Top Gun: Maverick” writers Ehren Kruger, Eric Warren Singer, and Christopher McQuarrie present it all as a heist movie, with detailed visual breakdowns of the canyon and a practice course that mimics the exact layout. Watching the pilots try again and again to complete this course is one of the oldest tricks in the storytelling book, building suspense and showing just how difficult the parameters of this mission really are. Ultimately, though, you know where this is all heading: if you think Maverick is going to sit on the sidelines as a teacher for the entire movie, you probably haven’t seen a Tom Cruise movie since the Original Top Gun.

Speaking of the original, the overall structure of this sequel isn’t the only way it tries to replicate the vibe of the first movie. The opening credits sequence is a modern update on the 1986 film’s memorable intro, with lovingly fetish shots of jet planes preparing for takeoff on an aircraft carrier runway and the epic instrumental theme song of Harold Faltermeyer growling in the background. For those who haven’t seen the original in a while, it might seem like a shot-for-shot recreation of that footage. But directors Joseph Kosinski and Tony Scott have very different ideas about the stylistic details of a film like this. Scott, who was long attached to returning to direct a sequel before he died in 2012, drenched his opening sequence in an unreal smoky yellow color, almost as if it were a scene from “Apocalypse Now.” . The original “Top Gun” is full of heightened silhouettes and colors to stylize the drama – characters were frequently bathed in purples, reds and neons, and they were drenched in sweat in cockpits or control rooms. Kosinski, on the other hand, is more committed to realism — his film is made up of deep blacks, tech-tinged greens, and dull grays, and he’s more interested in capturing clean lines and clean visuals than putting it all together. highlighting situations with flashy colors. This cleaner, more uniform approach matches the precision of the action scenes but leaves the rest of “Top Gun: Maverick” a little barren by comparison.

WTSA News For Your Thursday May 12:


WTSA News For Your Thursday May 12:

A Vernon man remains behind bars after pleading not guilty to killing his mother in an inheritance scheme. Nathan Carman, 28, was arrested at his home on Tuesday. An 8-count federal indictment includes charges of allegedly killing his mother Linda, while the two were on a fishing trip in 2016, and then of financial wrongdoing related to the estate of his late grandfather. -dad.

As the US Senate prepares for a procedural vote on an abortion rights bill. Vermont Senator Patrick Leahy talks about protecting a woman’s right of choice. Leahy says every woman’s right to receive the health care she chooses and seeks should be important to all of us. The bill failed to get the necessary votes, and Jeanne Shaheen of New Hampshire said now It’s time for us to stand up and make it clear that politicians have no place to interfere in the most intimate and private decisions a woman can make.

Vermont health insurance plans will begin covering hearing aids in 2024. Vermont Governor Phil Scott announced Wednesday that he has signed the bill, which will cover plans through the exchange state health insurance, most private insurers and prescription drugs. Self-insurance plans and the federal Medicare program would not be subject to the new law. The coverage would allow for one new hearing aid per ear every three years.

The fourth installment of 2021 Brattleboro estate and property taxes will be due May 16, 2022. Payments made after May 16, 2022 will have an additional 1% interest, as well as an 8% penalty added to the outstanding balance. Brattleboro utility bills are also due May 16, 2022. Payments made after May 16, 2022 will incur an additional 1% interest, plus an 8% penalty added to the outstanding balance. Payments can be mailed to the City of Brattleboro, 230 Main Street, Suite 111, Brattleboro VT 05301. An official postmark of May 16, 2022 will be considered payment on time. Payments can also be made by dropping an envelope containing your check (no cash) in a locked “mailbox” in the parking lot behind the Civic Center.

The Stamp Out Hunger Food Drive, the largest one-day food drive in the United States, is back this year. The campaign is organized by the National Association of Letter Carriers and supported by other postal unions and the US Postal Service. On Saturday, May 14, letter carriers from Brattleboro, Putney, Vernon and Dummerston will join carriers across the country in once again collecting food to fill local pantries. Neighbors are asked to leave a bag of non-perishable food near their mailbox.

Representatives of the Vermont National Guard and the Republic of Austria officially entered into a partnership. Over the next few years, the two militaries plan to conduct numerous exchanges to improve each other in areas such as cyber defense, information operations, military mountaineering, and humanitarian response and disaster assistance. disaster. Since 1993, the National Guard State Partnership Program has linked more than 90 countries to the respective national guards. In October 2021, the Department of Defense officially notified the Vermont National Guard of its selection to partner with the Republic of Austria, making Vermont one of five states with three state partnerships.



TRI STATE PICK 4 6-5-2-0

TRI STATE GIMME 5 8-11-20-33-34



MASS BOX 3-4-24-25-31


The Milwaukee Bucks came back from a 4and 14-point deficit to beat the Celtics 110-107 in Game 5 of their play-off series. Jayson Tatum led Boston in scoring with 34 points as the series returns to Milwaukee for Game 6 on Friday.

Orlando Arcia hit a home run as the Braves beat the Red Sox Wednesday 5-3. Boston has the day off before starting a series in Texas against the Rangers on Friday.

Gleyber Torres had 5 RBIs leading the Yankees ahead of the Blue Jays on Wednesday, 5-3. The Yankees are in Chicago tonight, the first pitch against the White Sox is at 8:10.

Goal and highlights: Wolverhampton 1-5 Manchester City in the Premier League | 05/11/2022

17:09 7 hours ago

Upcoming Games

Both teams will take to the field on Sunday (15) for the penultimate round of the Premier League. At 9 a.m. ET, Wolverhampton take on Norwich, while Manchester City take on West Ham at the same time.

17:08 8 hours ago


With this victory, leaders Manchester City reach 89 points and once again open a three-point lead over Liverpool. Guardiola’s side need a victory in the next round to be champions. Wolverhampton, on the other hand, are in eighth place with 50 points.

17:03 8 hours ago


Hwang enters the box, hits a cross. Ederson makes a great save

17:02 8 hours ago


De Bruyne’s long shot hits the post

17:01 8 hours ago

85′ Substitution for wolves

16:58 8 hours ago


Ederson makes a direct connection. The ball goes to Grealish, who leaves it to Cancelo to cross. Sterling appears alone and extends the advantage

16:55 8 hours ago

81′ Substitution in the city

16:51 8 hours ago

77′ Yellow card for City

De Bruyne

16:50 8 hours ago

77′ Substitution in the city

16:50 8 hours ago

76′ LOST

Foden crosses to the far post. Sterling tangles and drills in one shot

16:45 8 hours ago

71′ Substitutions for wolves

16:42 8 hours ago


Jiménez shoots away. Ederson sprawls

16:41 8 hours ago


De Bruyne finds Foden alone. He dominates and stamps the crossbar

16:35 8 hours ago

61′ Substitution in the city

16:34 8 hours ago


After a good exchange of passes, De Bruyne releases Foden in the box, who crosses. The ball deflects from the defence, stays with the midfielder, who hits a dish

16:30 8 hours ago


Pedro Neto takes a corner. The ball is deflected in the middle of the surface, on the left towards Coady, who hits it with the first shot. Ederson falls and saves

16:27 8 hours ago


João Moutinho takes a free kick into the box. Ederson hits it

16:24 8 hours ago


Laporte is treated after a collision with Raúl Jiménez

16:22 8 hours ago


Sterling is recovered by Cancelo, invades the surface and touches Sá’s pass. The deputy raised the flag for offside

16:19 8 hours ago


Foden receives a touch at the far post. Boly pushes back for a corner

16:03 9 hours ago


The first half ends

16:02 9 hours ago


De Bruyne finds Sterling in the box. He falls to the ground after Aït Nouri made a tackle. The striker claims a penalty, while the full-back is carded for simulation. The referee sends the match to

15:56 9 hours ago


Chiquinho robs Zinchenko, risks a cross kick from the box side. Ederson falls to save

15:54 9 hours ago


Cancelo receives from Sterling, invades the box and sends a shot over the goal

15:49 9 hours ago


Chiquinho flies quickly on the left, competes for space with Zinchenko. Number 11 takes it under and gives way to a corner

15:45 9 hours ago


Pedro Neto arrives at the edge of the area and is disarmed by Fernandinho

15:40 9 hours ago


HAT TRICK! De Bruyne gets rid of the marking of Reuben Neves and Coady, charges in the middle and shoots from the edge of the box, hitting the corner of Sá

15:32 9 hours ago


Zinchenko launches De Bruyne. The midfielder plays a first pass into the box. Sterling appears alone, but Sá makes a good save. However, the Belgian picks up the remains

15:30 9 hours ago


Magnifying glass on the score line, while City exchange passes from all sides of the field

15:27 9 hours ago


Raúl Jiménez sets up a fast counterattack, opens with Pedro Neto, who crosses low. Dendoncker comes from behind and completes towards the goal

15:23 9 hours ago


City unmask in midfield, De Bruyne tables with Bernardo Silva, who returns it to the right extent inside the box, and the shirt hits a cross for the first time

15:22 9 hours ago


Chiquinho is released in the attack, argues with Zinchenko. The ball falls on Ederson

15:17 9 hours ago


Sterling gets rid of his marker, sets up De Bruyne, who crosses from the back line. Foden tries hard but can’t get there in time

15:11 9 hours ago


Field teams

14:53 10 hours ago

City reserves

Steffen, Ake, Jesus, Grealish, Mahrez, Egan-Riley, Mbete, Palmer, Lavia

14:51 10 hours ago

city ​​programming

Ederson; Cancelo, Fernandinho, Laporte, Zinchenko; Rodri, Gundogan; Bernardo Silva, Sterling, De Bruyne; Foden

14:47 10 hours ago

Wanderer’s Bank

Ruddy, Hoever, Marcal, Mosquera, Toti, Cundle, Fabio Silva, H.-C. Hwang, Trincão

14:45 10 hours ago

range of wolves

Jose Sa; Boly, Coady, Dendoncker; Jonny Otto, João Moutinho, Ruben Neve, Aït Nouri; Chiquinho, Pedro Neto; Raul Jimenez

14:31 10 hours ago

Great invincibility

Manchester City is a boring visitor. The team has a 16-game unbeaten streak in away matches in the Premier League. They have 13 wins and three draws. It is the longest unbeaten streak in their league history, with the 4-0 win over Leeds United taking them to a 15-game lead under Joe Royle between December 1998 and September 1999.

14:27 10 hours ago

Watch the challenge

Wolverhampton will have a challenge ahead of them: to score against Manchester City. Guardiola’s side have not conceded a goal in their last five Premier League away games. Only three teams have managed to top five in a row: Chelsea (seven in a row, 2008), Manchester United (seven in 2008/09) and Liverpool (six in 2014/15)

14:22 10 hours ago

Video arbitration

14:12 10 hours ago

How and where to watch Wolverhampton vs Manchester City live?

14:07 11 hours ago

What time is the Wolverhampton vs Manchester City match for the Premier League?

14:02 11 hours ago

Speak, Guardiola!

13:57 11 hours ago

Probable line-up for Manchester City

Ederson; Cancelo, Fernandinho, Laporte, Zinchenko; Bernardo Silva, Rodri, De Bruyne; Mahrez, Gabriel Jesus, Sterling.

13:52 11 hours ago

City dwellers status

Pep Guardiola has the same deductions: John Stones, Kyle Walker and Ruben Dias, who will miss the remaining weeks of the season due to injury.

13:47 11 hours ago

Speak, Cachada!

13:42 11 hours ago

Probable line-up for Wolverhampton

HER ; Boly, Coady, Saiss; Jonny, Neves, João Moutinho, Dendoncker, Aït-Nouri; Trincão, Jimenez.

13:37 11 hours ago

Situation of vagrants

13:32 11 hours ago

How comes the city

Without losing in the league since February, against Tottenham, and with three consecutive victories, Manchester City is close to the title, but must remain vigilant. Leaders, they have 86 points, three ahead of second-placed Liverpool.

13:27 11 hours ago

wolf sequence

Located in eighth place, Wolverhampton has 50 points. Wolves haven’t won in four games. Currently, they have three losses, one draw and one win.

13:17 11 hours ago

Welcome to VAVEL.com’s coverage of the Premier League match: live updates from Wolverhampton vs Manchester City!

Here’s who qualifies for automatic student loan forgiveness under new Biden programs


Over the past year, the Biden administration has passed a series of student loan forgiveness initiatives. By targeting existing student loan relief programs for expansion and improvement, the Department of Education estimates that nearly $17 billion in student debt will be forgiven for at least 725,000 borrowers, many of them automatically.

The debate over broader student loan forgiveness continues, and there are indications that Biden is considering other student loan forgiveness initiatives. But as of today, here’s where things stand.

Student Loan Forgiveness for Public Service Borrowers

One of the Biden administration’s most significant initiatives has been to expand relief under the troubled Public Service Loan Forgiveness (PSLF) program. PSLF can eliminate federal student loan debt for borrowers who commit to working 10 or more years for government or nonprofit organizations. But the program has been difficult for borrowers to navigate, and the Department of Education has consistently done a poor job of managing the program and overseeing its contracted loan officers who administer it.

By relaxing key eligibility criteria, the Department of Education will now be able to count past loan periods that would otherwise have been rejected under the PSLF – including payments made under “non-eligible” repayment plans. and other payments rejected due to technicalities. The new initiative is called the Limited PSLF Waiver program, and one million borrowers could eventually benefit from the program.

According to the Department of Education, borrowers who already have direct program federal student loans and who have submitted PSLF employment certification forms will have their PSLF payment account automatically adjusted, resulting in automatic student loan forgiveness. for borrowers who reach 120 or more “eligible payments” after the changes.

However, other borrowers may need to take certain steps to qualify, and the deadline is October 31, 2022. Borrowers with FFEL loans or Perkins loans should consolidate their loans through the Federal Direct Consolidation Loans Program . And borrowers who have not certified their employment in the public service by submitting PSLF employment certificates should do so.

Borrowers can learn more about the PSLF Limited Waiver Program here.

Student Loan Forgiveness Through Income-Oriented Repayment

An even more recent — and potentially more sweeping — move by the Biden administration is a landmark solution to income-contingent reimbursement (IDR) plans. IDR programs allow borrowers to repay their loans based on their income, and staying in the program can ultimately result in student loan forgiveness after 20 or 25 years, depending on the plan.

But as with the PSLF, the IDR program has been plagued by poor administration and oversight. Advocacy groups and government regulators have accused managers of forcing borrowers to forbear, rather than IDR plans. And recent investigative work revealed that the government is not adequately tracking the progress of borrowers toward student loan forgiveness.

To address the shortcomings of the IDR program, the Biden administration announced sweeping fixes that will allow many past repayment, forbearance, and deferment periods to count toward a borrower’s IDR repayment term. The Department of Education will automatically adjust the number of eligible payments a borrower has for loan forgiveness, and officials said borrowers who have been repaying for 20 or 25 years may see automatic student loan forgiveness. The Department also estimates that 40,000 borrowers on track for the PSLF will receive automatic student loan forgiveness as a result of the IDR adjustments.

As with the limited PSLF waiver, the Department of Education indicated that borrowers with FFEL loans would need to consolidate through the Federal Direct Consolidation Program to qualify for the IDR adjustment.

Borrowers can learn more about the IDR Adjustment Initiative here.

Student Loan Forgiveness for Disabled Borrowers

The Biden administration has also initiated changes for borrowers seeking student loan forgiveness due to disability.

The Total and Permanent Disability Release (TPD) program can eliminate federal student loan debt for borrowers who are unable to maintain substantial gainful employment due to a medical condition, whether physical or psychological. Previously, TPD discharge rules required borrowers to submit a formal TPD discharge application certifying that they met the legal standard for discharge through proof of a military service-related disability, a signed application form completed by the borrower’s doctor or proof of receipt from Social Security. disability benefits with a benefit review period of at least five to seven years.

Last year, the Biden administration announced it would eliminate red tape for hundreds of thousands of disabled borrowers and provide automatic relief. Thanks to a data-sharing initiative between the Social Security Administration and the Department of Education, the Biden administration was able to automatically forgive $7 billion in federal student loan debt for 350,000 borrowers with disabilities, without requiring them to submit a demand. The administration also canceled loan reinstatement for thousands of additional disabled borrowers whose previous TPD discharges had been canceled due to their alleged failure to submit required annual documents during a post-discharge monitoring period.

Borrowers can learn more about the TPD waiver program here.

Student loan forgiveness for borrowers defrauded by their school

The Biden administration has also taken steps to automatically forgive student loan debt for borrowers who have been harmed by misleading and deceptive school practices. The Department announced $1.2 billion in automatic student loan forgiveness under the Closed Schools Release Program for borrowers who attended ITT technical institutes before the for-profit school chain collapsed, leaving tens of thousands of borrowers with worthless degrees.

The administration also announced a total of $2 billion in student loan forgiveness under the Borrower Repayment Defense Program, which allows borrowers to seek loan forgiveness if a school has made serious misrepresentations about the key elements of a degree program. In particular, the administration reversed a Trump-era policy that allowed the Department to award partial relief for approved borrower defense claims.

Borrowers can learn more about school-related student loan release programs here. Although much of the relief granted thus far has been automatic, most borrowers seeking a closed school discharge or a borrower’s defense against repayment should submit a formal request.

Further Reading on Student Loans

40,000 student borrowers will automatically get ‘immediate debt cancellation’ – but questions remain

Thousands of Jobs Qualify for Expanded Student Loan Forgiveness Program

Who qualifies for student loan relief under Biden’s huge new income-based repayment expansion

Student Loan Forgiveness: Department of Education Launches Appeals Process for Civil Service Borrowers

Airport Schools Host Event in Honor of Mental Health Awareness Month

Wagar Middle School grade 6 Jayne Dobbertin plays with a rain stick with her mother, Katie Dobbertin, who is also the Airport Community Schools District Nurse.  The rain stick and other musical instruments were displayed by a music therapist from the Monroe County Middle School District during the airport "Raising awareness around the world" Event.
Airport Community School students pet a bird guarded by a member of the Airport Secondary School FFA.  The FFA group held a petting zoo during the "Raising awareness around the world" event held Wednesday at AHS.

CARLETON – Mounds of glitter bubbled to the surface as students from airport community schools shook jars filled with unique blends of varying colors, shapes and textures.

In an effort to get the perfect concoctions, students made selections to customize their “Bottles of Calm,” an activity offered at the district’s recent “Awareness Around the World” event. In honor of Mental Health Awareness Month celebrated in May, the Monroe County Intermediate School District (MCIDD) has empowered young people to create tools to help them regulate their emotions.

“When you’re overwhelmed, your thoughts are everywhere, so if you shake the jar and watch until the bottle empties, it helps calm you down…taking a minute to clear your brain and regroup” , explained Angie Hodges, MCISD social worker.

The still bottles were just one step in the visitors’ figurative journey through the world of services offered by the Airport Community Schools and the community to support struggling students. In partnership with the Airport Parent Support Committee and MCISD, the event was intended to celebrate struggling students and the services offered by the district to support these varying abilities.

Previous report:May 4 family event focuses on people with difficulties

Through 20 interactive and informative stations, attendees earned a series of passport stamps while learning more about district and community resources ranging from therapy options, mental health supports, and other health services. special education.

“I think it’s a fun event and brings some of the community together to tell them about students with special needs,” said Yvette Vajcner, parent of three students from Wagar High School. “It really opens up that dialogue between families. I had never heard of these types of resources until I had a child with special needs myself. »

Families were drawn to the event by a petting zoo located outside the airport secondary school, organized by the school’s FFA. Horses, sheep, goats, rabbits and ducks were among the animals on display, many of which are commonly used in pet therapy for children with special needs.

Inside the high school gymnasium, interactive stations were hosted by many airport and ISD staff, including assistive technology consultants, resource room teachers , early childhood staff, speech language pathologists, social workers, occupational therapists, food service staff and others.

Community partners from Michigan Rehabilitation Services, Monroe Autism Collaborative, Monroe Mental Health Authority, Family Medical Center, MCISD Transition Center, Monroe County Court Appointed Special Advocates, and Mimi Mission were also involved.

In addition to providing information material, the organizations offered a sensory trail, games, snacks and the possibility of winning prizes.

The high school PILOT program, for example, offered “Minute-to-Win-It” games, mirroring activities that the peer group often enjoys during their weekly meetings. PILOT stands for Peers Investing in the Lives of Other Teens, and the group is used to teach typically developing peers ways to interact with, help, and build friendships with students with disabilities.

The airport’s food service provider, Chartwells, also manned a stand with snack options suitable for those with food allergies or sensitivities.

“I will definitely do my part to help and spread awareness of all the valuable resources that are available,” said Michelle McCoy, a math teacher from Wagar who attended the event. “I personally wish I had time to stay longer because I think there would have been resources there that I would have liked to speak with.”

Caitlin Boron is Communications Coordinator with Airport Community Schools.

Mandatory jobs and training programs could boost US GDP by $160 billion


“State lawmakers need to enact policies that equip those able-bodied adults who collect food stamps with the tools to help them get off the sidelines,” said FGA senior researcher Jonathan Bain.

A recent report by the Foundation for Government Accountability (FGA) explains how lawmakers can boost the national gross domestic product (GDP) by nearly $160 billion by requiring participation in mandatory employment and training (E&T) programs for able-bodied adults collecting food stamps.

At the height of the pandemic, federal lawmakers suspended common sense work requirements for able-bodied adults on food stamps, leading many states to see an increase in food stamp sign-ups and a reduction in the workforce. Today, the latest data available shows that most able-bodied adults on food stamps do not work at all.

An updated economic model—similar to that used by the United States Department of Agriculture (USDA) after work requirements were adopted in 1996—shows that making E&T attendance mandatory for valid adults in coupons food can strengthen the workforce, and boost the national economy, increasing the country’s GDP by nearly $160 billion.

“States already have well-funded E&T programs in place, but these programs lack uptake, which wastes taxpayers’ money,” said Jonathan Bain, lead researcher. “As the Biden administration continues to push policies that discourage work and handcuff the American economy, state lawmakers must enact policies that equip these able-bodied adults who collect food stamps with the tools to help them get out of the sideline.”

By making E&T participation mandatory, states can do what federal lawmakers won’t: enact policies that spur change, address critical worker shortages, and strengthen the economy.

The Foundation for Government Accountability (FGA) is a nonprofit, multistate think tank that promotes public policy solutions to create opportunities for every American to live the American Dream. To learn more, visit TheFGA.org.

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British tourists can use electronic passport gates at three Portuguese airports to travel faster


Three Portuguese airports popular with British tourists now have electronic passport gates that British travelers can use to cross the border faster.

Prior to Brexit, British passport holders could use electronic gates at European Union airports. But their rights have changed since the UK officially left the EU at the end of 2020.

With the easing of coronavirus restrictions across Europe, many British tourists will be soaring in the coming months. Portugal is a particularly popular choice, with many low-cost flights from Jet2, TUI, EasyJet and Ryanair flying from airports around the country, including regional airports like Manchester, Newcastle, Glasgow, Edinburgh, Liverpool, Birmingham and East Midlands. .

Read more:Mask rules in Spain, Portugal, Greece, France and Italy

While UK passport holders can no longer use EU e-gates, three Portuguese airports have installed new sets of e-gates which UK passport holders can now use. The gates have been operational since April 2022.

“The new system provides faster and more efficient border control on arrivals from the UK, Japan, Australia, New Zealand as well as Singapore,” reports SchengenVisaInfo.com.

Airports in Portugal British tourists can use electronic passport gates

Electronic passports allow travelers to scan their documents to enter a country. The other option is to walk to the manned border control and have your passport checked by an official. Electronic gates are generally faster than the old fashioned method.

electronic gates for British passport holders are now operational at Lisbon Airport in the Portuguese capital; Faro Airport, in the Algarve; and Funchal Airport in Madeira.

The UK’s Foreign and Commonwealth Office (FCO) says: “When arriving or departing, check that you are authorized to use the electronic gates and that you are in the correct queue. When you use an electronic door, your entry/exit is recorded on a computer system. A border agent can also stamp your passport after you pass through the electronic gate; this for operational reasons of the airport.”

If you use an e-gate, you do not need to stamp your passport, as the e-gate will register that you have entered the EU. If you are not using an e-gate, it is important to have your passport stamped, so border officials cannot charge you with overstay. After Brexit, UK passport holders are allowed in the EU for three months without a visa.

The FCO adds: “Border guards use passport stamps and electronic gate registrations to verify that you are complying with the 90-day visa-free limit for short stays in the Schengen area. If the entry stamps or relevant exit information is not in your passport or visible to a border official on the computer system, a border official will assume that you have exceeded your visa exemption limit. You can prove when and where you entered or left the Schengen area, and ask the border official to add that date and location to your passport. Examples of acceptable evidence include boarding passes and tickets.”

How long do you need in your passport to travel to Portugal?

To enter Portugal as a tourist, the date of issue of UK passports must not be more than 10 years from the day the passport holder enters Portugal. There has been some confusion over this, with some airlines requiring passenger passport issue dates not to exceed 10 years throughout their stay in the EU.

Passports must also be valid for at least three months after the day the passport holder plans to leave Portugal or the EU.

Portugal’s latest Covid-19 entry rules for fully vaccinated and non-fully vaccinated people

British tourists can enter mainland Portugal and the Azores islands without needing to take a Covid test if they are fully vaccinated or have fully recovered from Covid within the last 11 to 180 days. Those not fully vaccinated must present either proof of a negative PCR test taken no later than 72 hours prior to boarding or a rapid lateral flow test taken no later than 24 hours prior to departure.

There are no Covid-19 entry requirements for Madeira.

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Australia’s 13 most interesting stamps – sorted | Stamps


Spad printing is quietly enjoying a moment. Lockdowns have inspired stale collectors to dust off their albums. Generation X, heir to boomer collections, has sometimes resisted its natural instinct to sell them on eBay. For a younger audience, the stamps really stand out on Instagram; there are philatelic influencers, bloggers, YouTubers, even TikTokers now.

Postage stamps are underrated as pop culture artifacts. They can be issued by governments, but they must please the people. They are temporary and disposable, but they forever capture the looks and priorities of their time; they broadcast the self-image of a nation.

So I’m here to bring you the greatest Australian stamps of all time. These are not all conventional classics. Some popular themes are missing altogether, and I only list post-federation stamps. (I’ll tell you about some colonial-era gems when you invite me to your party.) These are simply our greatest stamps in my 100% correct and foolproof opinion.

13. Kangaroo and 1913 map

Australia’s first postage stamp: a country-sized kangaroo. Photograph: Australia Post/Punk Philatelist

Let’s start at the very beginning. Our first postage stamp was incredibly modern in its time and widely mocked. Maps were almost unheard of on stamps; the kangaroo hero was “a grotesque and ridiculous symbol”, shouted the Argus. More scandalously, WHERE WAS THE MONARCH? Of course, he was 10,000 miles away, unlike this kangaroo. Provoking Australia in a time of king and empire, this humble stamp represents nothing less than the first shot of revolution.

But wait – what is it? There is some evidence to suggest that the mainland’s white color may have been deliberately chosen in line with government policy. Yes it is literally a white Australia. Sorry, Republican Kangaroo, but appropriately enough, I can’t let you in because of your past. You are no longer on the list! It’s not a good start.

Most “Roos” collectors don’t know his dirty secret, which has been swept under the rug and buried in the Hansard archives. How Australian is it?

12. Side face of King George V of 1914

King George V stamps
Photograph: Australia Post/Punk Philatelist

The list REALLY starts here, when King George V finally gets his cup on our stamps. Politics aside, the design beautifully exemplifies the ancient art of engraving, with intricate lines providing depth and shading. Issued in rich colors and many denominations, KGVs are the finest of a gang, as pictured here. They evoke Warhol’s screen-printed Marilyn, but more bearded. Treasure hunters fetishize the bewildering number of tiny variations in KGVs or ‘Roos. If they find the right detail, they could retire tomorrow, which would be a more exciting prospect if most of them hadn’t already retired 20 years ago.

This is the last royal appearance on the list, as Australian stamps are obviously a ridiculous platform on which to honor European aristocrats.

11. 1938 Koala

1938 Koala.
Photograph: Australia Post/Punk Philatelist

Koalas are fame-seeking little publicity pigs whose diva requests for stardom regularly see them appear on our stamps. But none have ever topped Mr. Koala 1938. Look at his plush teddy bear and oddly heavy smile. Moreover, it is a green stamp, which everyone knows is the best color.

10. 1950 Gwoya Tjungurrayi, or ‘One Pound Jimmy’

1950 One pound Jimmy.
Photograph: Australia Post/Punk Philatelist

The “noble savage” subtext to this stamp isn’t great – but there is a subversive touch. Until the 1997 Australian Legends stamp series, the only identifiable living people who could appear on our stamps were members of the Royal Family. Yet this 1950 stamp unmistakably depicts the Walpiri-Anmatyerre man Gwoya Tjungurrayi, a survivor of the 1928 Coniston Massacre. Known during his lifetime as One Pound Jimmy, you may recognize him today as the name of The Bloke From The Two-Dollar Coin. So we can arguably celebrate Tjungurrayi as the first identifiable living Australian to appear on a postage stamp. Suck that, 1997 Aussie legend Don Bradman! In a nice postscript, a 1988 stamp featured artwork by Tim Leura Tjapaltjarri, one of Tjungurrayi’s sons.

These days, Australia Post throws anyone alive on a stamp if there’s money in it.

9. 2021 Nature’s Mimics: Leafy Seadragon

2021 Nature's Mimics - Leafy Seadragon Stamp
Photograph: Australia Post

This stamp is from a great wildlife camouflage issue so recent you can buy it today and throw it on your mail. Because you can, You know? You are totally allowed to demand stamps and cover this package with vibrant images to delight others. Or, accept the dreary barcode label. The post office staff may hate the inconvenience of getting the stamps out for your mail, but just think of it as your revenge for being carded by the postman when you’re home.

8. 1996 Precious gems: Diamond

1996 Precious Gems - Diamond Stamp.
Photograph: Australia Post/Punk Philatelist

Some tampons come with gimmicks: scents, weird shapes, pieces that look like 3D. The diamond on this stamp is a variable optical device – call it a “hologram”, everyone does. It works beautifully (trust me), reflecting and refracting all the colors of the rainbow. It didn’t cost more than face value and it looked fantastic on an envelope. The surrounding design is a bit 90s, but you don’t care, because you wave the diamond in the sun and say “Whooaaah!”

7. 1971 Sydney Stock Exchange Centenary

Sydney Stock Exchange centenary stamp from 1971
Photograph: Australia Post/Punk Philatelist

Highlighted by its shiny silver border, this eye-catching little number showcases the colorful conceptual designs enabled by new printing techniques. They are lucky that the centenary of the Sydney Stock Exchange has not taken place a few years later, otherwise the lines would collapse.

Incidentally, decimal stamps are usually plentiful and can often be purchased for less than face value, which is why your old collection stashed in your mother’s garage probably isn’t “worth a fortune now.”

6. Marine Life of 1985: Pineapple Fish

1985 Marine Life - Pineapple Fish Stamp
Photograph: Australia Post/Punk Philatelist


5. Street Art 2017: Rutledge Lane

2017 Street Art - Rutledge Lane Stamp
Photograph: Australia Post

Australia Post can surprise fans of philatelic culture with bold thematic choices. In 2017, street art joined the pantheon of artistic styles showcased on these tiny canvases. Forever Curious by Rone and Phibs is probably the only Australian artwork chosen to appear on a stamp that was repainted at the time of the stamp’s release. A beautiful image, and a beautiful subject for a stamp issue. Congratulations, Aussie Post! Now please find and deliver the package that was sent to me across town two years ago.

4. Christmas 1977: Santa Surfer

Christmas 1977 - Santa Surfing Stamp
Photograph: Australia Post/Punk Philatelist

In 1976, Australia’s first non-religious Christmas stamp was reasonably cautious: tree, bauble, koala diva. But a year later, the jolly Surfing Santa received a huge backlash from people who thought it was disrespectful. Can’t they see that he went to the trouble of holding holly while maintaining his shaka? Very fun and irreverently Australian, this stamp received its own tribute stamp in 2007. Nobody complained.

3. 2006 Dangerous Australians: Redback Spider

2006 Dangerous Australians - Redback Spider Stamp
Photograph: Australia Post/Punk Philatelist

The theme was Dangerous Australians, and Bessie here was in the frame with octopuses, snakes and other killers. But that design was pulled after someone realized that a stamp-sized red back was also a life-size red back, and that people opening their mailboxes could have heart attacks. Nevertheless, this unperforated version was issued in a limited edition sheetlet to the milk revenue of stamp collectors (which essentially accounts for 90% of a stamp’s work these days).

2. Browsing History 2020

2020 shipping history stamp
Photograph: Australia Post

Predictably, the bicentenary of James Cook’s arrival in 1970 was marked by white men raising flags and “discovering” things. Well, the 250th anniversary brought us this souvenir sheet consisting of five extra-long stamps. Co-designed by Australian Aborigine Jenna Lee and first-generation Australian Niqui Branchu, it replaces “discovery” with “encounter”. The theme of each stamp – botany, for example – is told from the stories of Aboriginal culture and the Endeavor voyage. The value of each stamp is divided between its two halves, giving the stories equal value. And I love non-traditional colors. It was a mature and intelligent treatment of a sensitive subject; they dropped the folder from the park. These stamps should have been distributed at the counter to start conversations, but unfortunately the problem remained very discreet. It was hard to find in post offices and marketed mainly to collectors as a novelty. Word on the street is that he was seen as potentially too confrontational for flag-planting Cook fans. (Yeah, you heard right, I treat in the street. Stamps, that is. Are you continuing?)

1. 2012 Living Australian: Lunch on the Harbor

2012 Living Australian – Lunch on Harbor Stamp
Photograph: Australia Post

Here it is: the largest Australian stamp of all time. The Living Australian series featured photos submitted by the public. A brave choice from Australia Post, Damian Madden’s Lunch on the Harbor depicts the gutting of a nation built on flight, where greed, corruption and manipulation by the powerful end up wearing down the ordinary people who are just trying to feed their families.

No, it’s probably just a picture of a seagull. But the stamps serve as ambassadors to the world, and given that our early messages involved probable racism and a distant king, it’s reassuring that we are now broadcasting such images of accessibility and self-confidence. “This is Australia”, says this stamp. “Come on, give us a chip.” Bludging at the beach: what could be more Australian than that?

Student voices: social and emotional learning can create a culture of understanding in schools


Editor’s note: This essay is part of the Seattle Times’ Student Voices program for young writers. Meet the authors and read other 2022 essays at st.news/studentvoices2022.

For most of my life, I believed that difficulties were something to hide.

Living in a poor family, I grew up in a moldy house with rotting wood, infested with rats and insects. Money came and went, but over the years it only seemed to do the latter. My family lived on food stamps and poverty wages, never knowing how long they would last. I was 5 years old when my brothers were placed in foster care, 7 years old when my father lost his job. Three years later, our house was seized; we were expelled. I was 10 when my family was three days away from the street.

My sense of worth and safety crumbled as my home environment crumbled. With no caring family to rely on, I felt isolated, unsupported and scared. With no one to confide in and no space to express vulnerability, school only cemented my feelings. From an early age, I felt compelled to maintain a trying front of normalcy in school as I silently withered from within. Since the vulnerability was barely revealed by others, I thought it was forbidden.

If my schools had successfully implemented a social and emotional learning program, I would have learned valuable skills in processing my emotions and felt encouraged to seek help in a more compassionate environment. SEL teaches students how to manage their emotions, set goals, build healthy relationships, and make decisions to prepare them for success in school and in life.

Unfortunately, my school did not offer this program.

Five days a week, I was immersed in a class of students and educators who didn’t know what poverty entailed or how mental illnesses, like depression, affected children. Although I experienced both, I lacked the vocabulary and understanding of my dire situation to learn how to cope.

Once, in third grade, shortly after my father lost his job, family tensions became unbearable. Our television and internet had been cut off, and my siblings and I had spent our days cooped up inside. I would nap all day to pass the time, finding little joy in the hobbies I loved. In addition to food stamps, we relied on our local food bank for many of our meals. Often receiving rancid foods, we selected their edible parts.

Driven by a sense of inadequacy, I lost engagement in class activities and started talking to my second-grade teacher. I still remember the first time I deviated from my complacent attitude and made a sarcastic remark during his instruction. After class, she pulled me aside to speak in an unempathetic tone that, to this day, sends shivers down my spine: “Your behavior today was rude and disrespectful.” After scolding me, she left without asking why I had acted as I had done, revealing no trace of concern.

Later that year, similar cases brought me to the school counselor’s office where adults tried to tell me how I felt with picture books and feeling charts that oversimplified the complexity of my experiences.

I was never simply asked if I was okay. I never felt safe to honestly voice my concerns or ask for the support I needed. Over time, I closed myself off, attending class dispassionately and holding my misery from within. Throughout my childhood, school treated me like a problem. It never helped me find a solution.

When students enter educational institutions, we cannot leave behind our outer lives. Even if all classes were taught the same, setting equal expectations and standards for all, it would not account for the disparate experiences outside of school that foment inequity from within.

If schools expect students to care about learning, they must care about our well-being. We must abandon the idea that personal life is independent of academic life. Researchers have documented how poverty and classroom engagement are interconnected.

There needs to be genuine and ongoing efforts by schools to explore methods of integrating social and emotional learning into school culture and outreach. SEL techniques can help students recognize their emotions, manage them, develop social awareness, make responsible decisions, and build healthy relationships.

To begin with, teachers need extensive training in SEL and should regularly model and encourage students to use these skills. By normalizing communication and vulnerability, teachers can build rapport with students, helping them feel comfortable doing the same.

One such positive SEL role model is my wonderful teacher, Mrs. Haines. By connecting with each of her students and seeking to understand their identity, Ms. Haines creates a nurturing environment where her students feel safe to express themselves and seek support.

Recently, our class started student-led conversations where my classmates and I anonymously ask questions through a form and discuss them as a whole. Ms. Haines also participates in these conversations, sharing her honest opinions and reflecting on those of others, which has encouraged us to reciprocate. In activities like these, we address uncomfortable topics such as mental health, racism and misogyny in our community and in the world at large. These discussions helped me gain comfort and confidence in solving pressing problems inside and outside the classroom and inspired me to seek solutions.

SEL practices also help educators manage each student’s unique schedules and challenges. They can recognize and help young people caring for family members, working after school, and struggling with mental health issues by offering one-on-one tutoring or time extensions.

To ensure that implementation is going well, schools should regularly survey and discuss with students which SEL components are effective and where efforts should be focused for districts, schools, and even students themselves.

An unsuccessfully integrated and targeted SEL can be unproductive or harmful. Some of my early SEL experiences in school involved oversimplified lessons that trivialized the complexity of mental health and real-life conflict. For years I thought my depression was just sadness, my anxiety was just nervousness, that I was making something out of nothing. To avoid fomenting these views in students, schools must abandon the misguided idealism that SEL administered in any form is “a cure for all.”

Just as hardship hinders the lives of students, SEL, when explored collaboratively, fosters a vital means of advancement. What works in one school may not work in another. We should not wait for a solution to present itself, but rather seek our own collaboratively by implementing and reviewing new methods as school communities.

SEL skills are applicable to all facets of life: both personal and academic, to ourselves and to the world. Above all, social and emotional learning is applicable in our schools.

It’s time to give SEL a chance.

Richard J. Lareau, ‘Mr. Point Loma,’ 1927-2022


Architect Richard J. Lareau lit up bank board meetings with jokes. In high school, he maintained his interests in photography, tennis, coin and stamp collecting, then took up sailing and golf.

His decades-long service on the boards of the Point Loma Association and the Peninsula Bank and in various neighborhood causes has earned him the unofficial title “Mr. Pointe Loma.” And he was a prodigious fundraiser for Balboa Park institutions.

But it’s his mid-century modern architectural work that is a permanent legacy – custom wood-and-glass homes and circular-shaped public buildings, like churches and the Mission Bay Visitor Center, in an assortment of public libraries, school buildings and naval installations.

Lareau died April 10 of complications from a stroke. He was 94 years old.

Fresh out of architecture school, he worked on the design of the glass elevator for the El Cortez Hotel in the mid-1950s. A decade later, he was designing his Sigma Alpha Epsilon fraternity house in San Diego State University, where his two lion statues still guard the entrance. He was also the architect for the campus of California Western University, now Point Loma Nazarene University, and designed the Barnes Tennis Center in Ocean Beach.

Like so many successful architects, he knew how to market as well as design. Once, while seeking planning permission for a university campus in Nairobi, Kenya, he failed to correct an official who, looking at Lareau’s business card bearing the words “president” and “California,” called him the “President of California”. .” The official handed over the permit in front of 50 other people in line.

“Prototypically after the war, he started his own little business, got some cool clients, and did a significant amount of work,” said Keith York, who runs the ModernSanDiego.com website as a guide for architects in post-World War II.

Former County Supervisor and architect Ron Roberts met Lareau at SDSU while the SAE fraternity house was being planned and interned at Lareau’s business in the late 1960s. The city and county declared “Day Richard John Lareau” in 2014 in recognition of his decades of civic service and contributions.

“To me, he’s become a lifelong mentor and friend,” Roberts said.

Born October 17, 1927 in Bremerton, Washington, Richard John Lareau moved to Chula Vista with his family when he was 4 years old. At Sweetwater High School, he was the school photographer, played on the tennis team and delivered what was believed to be the longest bike path in the hilly region for The Union-Tribune .

After a V-5 flight training program in the Navy after World War II, he studied at the University of New Mexico and SDSU before transferring to UC Berkeley, where he earned a bachelor’s degree. and a master’s degree in architecture in 1955. His master’s thesis was on Mission Parc de la Baie.

“The park should have a unique concept,” Lareau told the Mission Bay Park Commission later that year.

His first jobs were at the San Diego companies Kitchen and Hunt and Paderewski, Mitchell & Dean, where he worked on the now defunct El Cortez glass elevator.

In 1957 he founded Richard Lareau & Associates and increased his staff at his Nimitz Boulevard office to a peak of 15. His “Pan-Pacific House”, still standing in Del Cerro, was featured in the “Parade of Homes” of 1958 for its incorporation. many indoor-outdoor spaces.

Beginning in 1959, he designed many buildings, including the gymnasium, stadium, library, and dormitories at Cal Western, later renamed US International University. He was also master architect of the Scripps Ranch campus of USIU, now Alliant University.

“Dick was an early architect,” Point Loma Nazarene President Bob Brower said. “His creativity and vision coupled with his sincere desire to serve his community has made him a friend to all.”

Lareau’s wife, Vickie, said USIU President William Rust tasked him with planning campuses around the world, asking him to take an international flight on the spur of the moment.

“Dick would find a way to comply,” she said, “and with USIU paying for transportation, got to see a lot of very interesting places and whet our appetite for travel in the world.”

In an obituary interview earlier this year for fellow mid-century architect Hal Sadler, Lareau recalled how on one of his many trips to USIU he convinced Kenyan officials that timber construction rather than stone was an acceptable approach.

“They gave me a desk in the office and I designed what I knew their (national) president would like to have,” recalls Lareau – an African rather than British colonial motif. “We built it and Africans loved it.”

Perhaps Lareau’s most significant project was the Mission Bay Visitors Center, a 4,500 square foot building with an observation tower, which opened in 1969 at the foot of Clairemont Drive. Lareau compared it to a “sculptural seashell”, inspired by Frank Lloyd Wright’s Guggenheim Museum in New York.

“It really is the center of San Diego,” said Bradley Schnell, an architect who is restoring and transforming the building into Mission Bay Beach Club, a restaurant and retail space.

The Barnes de Lareau Tennis Center, which opened in 1995 at the western terminus of Interstate 8, is also visible to freeway motorists and is dedicated to training young tennis players.

“I would say he was very, very visionary in the way he planned and designed the buildings,” said Kathy Willette, who chaired the board in its early days. “We had wonderful, joyful conversations about what would be there and what we could afford.”

In addition to his architectural work, Lareau has served on the boards of the city’s Board of Historic Resources, the Peninsula Bank, the Point Loma Association, the San Diego Air & Space Museum, and the Balboa Park Committee. He co-founded the Junto group of local leaders and captained the San Diego Yacht Club’s Cal 25 racing fleet.

“It was his selfless dedication and human warmth that endeared him to all who met him,” said museum executive director Jim Kidrick. He dubbed Lareau “the grinder” for tirelessly seeking donors for museum projects. He co-chaired the annual golf tournament for over 20 years.

At the Point Loma Association, Lareau is remembered for his annual slide shows and at the bank for his light-hearted jokes, taken from Playboy magazine.

Lareau is survived by his second wife Victory and their children, Lisa Traylor and Mark Lareau; and two children by his first wife, Jeanne Doyle, Vikki Lane and Lance Lareau; and nine grandchildren.

A celebration of life is scheduled from 4-7 p.m. May 17 at the Air and Space Museum in Balboa Park. The family offers donations in his memory to the Barnes Tennis Center or the museum.

Roger Showley is a freelance writer for UT.

5 Smart Tips for Effectively Managing Multiple Loan Accounts, from Apnapaisa


These days, it is quite common for people to take advantage of multiple credit facilities within the family. In fact, there are a number of families who have a home loan running at the same time as a car or car loan, and if necessary, they are provided with a personal loan for any emergency or hobby. Most home and auto loans are secured while the are unsecured. With all these loan accounts running at the same time, it sometimes becomes difficult to manage EMIs with additional expenses for the month. You need to have a clear plan and strict execution in order to stay within limits and not miss any of the payments.

Personal loans attract a higher interest rate because they are unsecured, carry additional risk for the lender, and to keep borrowers on their toes, they come with a flexible repayment term. Most personal loans are considered an alternative to a credit card as they offer a lower interest rate and flexibility in repaying the amount. As a result, the market today is filled with a host of lenders offering instant and easy personal loans at competitive rates, allowing aspiring borrowers to access funds in no time.

For anyone who manages multiple loan accounts and finds themselves immersed in a relentless mass of debt, we have offered some tips that will help you manage these IMEs and close them effectively. With powerful management, one can easily prevent oneself from this vicious cycle of debt and eventually get out of it.

Let’s discuss these proven tips for managing multiple credit facilities:

1. Pay your loan EMIs before your outstanding credit card bill is paid

As a first step, it is strongly advised to pay the monthly repayment amount due on a personal loan before paying the credit card bill. The reason for this is that defaulting on a personal loan has a greater impact on credit rating than defaulting or delaying credit card bill payment. Thus, when an individual defaults on the repayment of a personal loan, this is considered a serious act and can reduce the credit rating by around 50 points, which is quite heavy. With multiple loan or credit accounts, it is possible to run out or run out of funds to handle payments within the stipulated time frame, so it is advisable to prioritize monthly repayments accordingly.

2. Avoid accumulating additional debt on your credit card

The importance on the pitch of keeping this under control cannot be underestimated compared to the previous one. If a person continues to accumulate additional credit card debt without clearing the existing one with multiple loan accounts, it could have serious consequences in terms of credit score and interest charges. Typically, credit card interest rates hover around 40% per annum, and in the event of continued accumulation, increased debt would mean an additional interest charge and higher repayment amount, leaving an individual in a debt trap with no money in his pocket.

3. Plan accordingly and cancel the debt with the highest interest rate

An option to go for a foreclosure will mainly depend on the nature and number of credit facilities one has taken advantage of. A pre-closing has a cost in itself, if there are two or more accounts operating simultaneously, attention should be paid to the cost of prepayment on all accounts. Emphasis should be placed on the account where the interest rate is higher and the cost of prepayment is higher compared to others. Between managing loan accounts and outstanding, work on closing loan accounts first, followed by credit card debt, as pre-closing the loan can give a significant boost in rating credit.

4. Schedule a debt consolidation or loan balance transfer

In addition to priority-based planning, the most cost-effective way to clear all existing debt is to use a foolproof debt consolidation plan, by doing so, one can direct all small debt accounts into one. and start paying a single EMI in reimbursement. One should get in touch with their existing lender with whom they have the greatest credit facility and ask for options to consolidate their existing debt into one loan account. Most of the debt consolidation products offered attract a relatively higher interest rate and the feature is not available with almost all banks, only the biggest ones. A separate debt consolidation loan will have different eligibility constraints, which could include job stability, existing credit history and others.

5. Resist using extra small loans

Most of the time, under influence or guidance, most borrowers resort to a small, short-term loan to pay off their monthly repayments, instead of managing them from their savings. If a person is already burdened with multiple debts, they should prioritize paying off their existing debt first instead of adding more. In such cases, debt should be kept to a minimum, with rigorous repayment through savings and incentives. Applying for additional loans in such a situation could trigger a series of in-depth investigations which will impact the credit rating.

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Posted: Friday 06 May 2022, 17:39 IST

Reviews | Yes, we should cancel student debt, but only for some


I have always been against canceling student debt. My main argument is that it benefits the rich more than the poor. After accounting for the value of an education and the effects of student debt relief programs, an analysis by the Brookings Institution found that the wealthiest 20% of households owe almost a third of all student debt. The bottom 20% only owe 8%.

Anyone with a degree already has an incredibly valuable resource – a college education. Adults with bachelor’s degrees typically earn about $1 million more over their careers than people with only high school diplomas.

In addition, the cancellation of student debt is exorbitant. As Adam Looney of the Brookings Institution pointed out, widespread student loan forgiveness would rank among the most significant transfer programs in American history. And the plans to cancel all federal loans would cost more than was spent from 2000 to 2019 on unemployment insurance, the working income tax credit or food stamps – programs that actually go to those who need it.

Debt forgiveness sends terrible cultural signals. This nation is already bitterly divided on education. Today’s populists are rightly angry that college-educated Americans have built a society that’s pretty soft on them and their kids, and pretty hard on everyone else. The student loan forgiveness would be seen as another example of the educated class taking care of its own – and leaving everyone else to eat dust.

All of this is still mostly true. However, I admit that I had some doubts. I guess I’ve concluded that it’s wrong to generalize as if there’s only one group called “college graduates”. In reality, we have at least two different classes of university students and graduates. One group are safe students and graduates — those who come from middle-class homes and have certain resources as they transition from campus to adulthood.

The other group is that of precarious students and graduates. Over the past few decades, America has done a much better job of getting less affluent students into high school and college. These people seize the chance to take the leap into the middle class, but they have few resources and no room for error when they make that leap.

Some arrive at university without academic preparation. They rack up debt but can’t graduate. Others have a “life happens” moment. Maybe a parent gets sick and has to leave school to support the family. Some have attended mediocre colleges which they later discover did nothing to make them more valuable in the market.

These precarious students and graduates are trying to make the leap at a historically difficult time. The financial crisis and the Covid have upset the career trajectories of young adults. Education and real estate prices have skyrocketed. By the time baby boomers reached a median age of 35, their generation owned 22% of the country’s wealth. Millennials, who will reach a median age of 35 in 2023, own about 6% of the country’s wealth.

These precarious students and graduates have done what we wanted them to do: embark on social mobility. But many now owe more than they have wealth. Laura Beamer and Eduard Nilaj of the Jain Family Institute found that in 2019, the student debt-to-income ratio was 98% for America’s lowest income decile. This means that the median income for this group exceeded the median student debt burden by less than $700.

Conditions are particularly dire for African Americans. According to a 2016 Brookings report, the average black graduate owes $52,726 four years after graduation, compared to $28,006 for the average white graduate. Black borrowers are also much more likely to be behind on their payments.

For many of these young adults, the burden of debt alters their psychology and behavior. Many suffer from the severe anxiety of feeling buried under an unrelenting weight. It’s been hard for them to seize opportunities, buy a house, start a business, have a child – all the things we want young adults to do to ensure a vibrant and prosperous America.

I admire how Elizabeth Warren has pushed this issue so passionately, but I’m still a long way from her proposal, which would bring benefits to many people who don’t need them. And if you ask me if we should have a big student debt cancellation program, I would say no.

But if you ask me to say where America’s social mobility machine has collapsed, I’ll include how underfunded young adults wane between their 20s and 35s. Are there better ways to help these Americans than debt cancellation? You bet. Do we live in a country where legislation to do this will pass Congress? We dont do.

Debt cancellation is something President Biden can probably do on his own. So I’m rooted for narrowly focused forgiveness. I hope Biden will dramatically increase the amount of debt he is willing to forgive, say $20,000. But hopefully he will limit the pardon to precarious graduates — perhaps those from families earning less than $75,000, perhaps those who have already received Pell grants.

Social change over the past few decades has made me much more supportive of income redistribution than before – especially redistribution that invests in human capital. But it must be a distribution downwards, not upwards.

Queen loves collecting common kitchen items – and finds her selection a lot of fun


Just like her relatives before her, the Queen has impressive collections of various items, but one of the things she collects is sure to surprise many people as it is very unexpected.

It is said that the object the queen collects makes her laugh

The royal family is famous the world over for their weird and wonderful habits and pastimes, some of which date back hundreds of years of history.

Whether it’s playing polo, driving horse-drawn carriages or hunting grouse, members of the royal family have very exclusive and classy hobbies. But did you know that even some of the most privileged people in the world enjoy the same comforts as us?

From Prince Charles’ love of gardening to the Duchess of Cambridge’s passion for cooking, we are very similar in so many ways.

And the Queen is no different from her family and has had many hobbies over her 96 years, such as filming with movie cameras to catch up on her favorite TV shows.

Her Majesty also followed in the footsteps of her ancestors and chose to collect various objects. The strangest of them is… pepper mills.

They say the Queen’s collection makes her laugh


Getty Images)

While it’s unclear exactly why or when the monarch embarked on her journey of collecting pepper mills, it’s said that she finds her selection quite amusing.

One of his favorites was a gift from a friend that came from an Italian restaurant in the form of a plastic server.

It’s reported that when you crack her head for pepper, she screams in an Italian accent, “You’re breaking my neck!” which the Queen would find hilarious.

But the pepper mills are not the only objects that the queen has wanted to collect. More traditionally, she became the fifth generation of royals to be added to the historic family stamp collection.

Today, the royal stamp collection is said to be worth over £10 million.

The Queen has expanded the collection of royal stamps


AFP/Getty Images)

Royal expert Phil Dampier told Fabulous Digital: ‘The Queen loves to show visitors her stamp collection, heads of state who stay at Buckingham Palace say.

“It’s one of her prides and joys, not only because she owns some of the most valuable stamps in the world, but also because she’s built on a family treasure and feels to have done the pride of his father and of the previous monarchs who owned it.”

The Queen not only left the collection as it was when the likes of Prince Alfred and King George VI worked there, she added to it.

The rarest and most expensive addition was a Mauritius stamp worth £2 million. It was featured in a traveling exhibition to celebrate the Queen’s Golden Jubilee in 2002.

The stamp is one of the most prized in the world and was issued by the Colonial Post Office of Mauritius in 1847. The Queen also spent £250,000 on a unique set of 10 Penny Blacks dated the first day they were put into circulation. , May 6, 1840.

But of all the royal guardians, King George V was the most dedicated to maintaining and growing the collection. While still Duke of York, Prince George was made Honorary Vice-President of what would become the Royal Philatelic Society of London in 1893.

He also received a book containing 1,500 stamps on his wedding day to Princess Mary of Teck from his fellow society members.

King George V’s dedication to his hobby knew no bounds, and he even set the record for the highest price ever paid for a stamp.

In 1904 he was asked by a courtier if he had seen “that some damn fool had paid as much as £1,450 for a single stamp”. George replied, “Yeah, I’m that damn fool”.

Do you like the royal family? Sign up for the Mirror’s daily newsletter to get all the latest news on the Queen, Charles, Kate, Wills, Meghan, Harry and the rest of The Firm. Click here to register .

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What Is the Easiest Way to Get a Loan With Bad Credit?

What Is the Easiest Way to Get a Loan With Bad Credit?

In terms of convenience and ease of use, credit card cash advances are tough to beatfor that matter in the event that you already have an credit card that provides cash advances. You can make cash advances online or with a mobile app where you can transfer the amount of your advance in your banking account.

What makes this a straightforward type of loan is the fact that you don’t need to be a candidate for it. All you had to do was in applying for the credit card. Be aware that the APR of cash advances made with a credit debit card’s cash advances could be greater than your usual purchase APR.

It is equally easy to get loans from an equity line credit (HELOC). Similar to credit cards, they are credit lines that are revolving credit lines where you are able to borrow again or repay and then reborrow. They’re similarly easy to use because all you need to do is make checks or make an online transfer – there is no need to submit a new loan application.

If you have to complete an application or fill out an application form online, the online loan services we have reviewed are very convenient as one loan application can result in an offer of a loan for one lender or more. All of them follow the same process.

You first fill out an easy loan request form that does not require a credit check. The loan service will then send requests to the lender networks which may result in one or more loan proposals. You then can finish the application quickly and get your loan on the following business day after the loan is accepted.

How Can I Get Money Without a Credit Check?

If you’re completely opposed to being a victim of having your credit being revoked, you have alternatives to get bad credit personal loans, among them secured loans

  • Payday loan We’ve mentioned this before and more, but instead of making use of an online loan option, you can also visit an area payday center to get a cash loan within a matter of minutes provided you satisfy the lender’s minimum income requirements.
  • auto title loan – You need to own a vehicle and the title be under your own name. You can use your title as collateral for loans, but this type of loan is particularly dangerous. If you do not pay the loan, you forfeit your car.
  • Pawnshop loan If you have important property you do not want to market, such as jewelry or electronics you could make it a collateral to obtain an installment loan from an Pawnbroker. The issue with this type of loan is that typically, you’ll get much less value for the property than it’s worth. However, you’ll receive the item after you’ve paid back the loan.
  • friends or family Loan The possibility is that you have thought about this however, if you have someone whom you are able to trust (and who is trustworthy to you) then you might be able to get some dollars to help keep your hand, and these secured loans are usually without interest.
  • Cash Advance apps – A relatively new entry into the lending market Cash advance apps let users to obtain pre-payment on the next pay using your smartphone without credit check, and often with no fees. The requirements for each service differ however you’ll require connecting your bank account with the app to instantly withdraw funds once you receive your pay.

As you will see, there are the option of receiving an emergency loan whatever the bad credit score. This personal loan options are easy to get, especially in the event that you have collateral to get the loan or to prove that you earn enough earnings to pay the debt.

Find a lender who reports your payments

Guaranteed loans without credit check are available. However, they are not guaranteed. The “guarantee” is really an assurance that the lender will do all possible to help you get an loan, regardless of the low credit score.

Six of the lenders reviewed within this report, only two of them are excellent options for a short-term cash advance without a credit check. Four of them offer longer-term loans, which may be accessible with or without a credit check, but a approval for loans is not an assurance.

If you are approved for an loan that does not require a credit checking loan it’s ideal to find a company who will report your payments to at minimum one important credit bureau. This will help you build your credit score, so that you do not require credit checks in the near future.

NSO Group: Over 200 Spanish Cell Phones Were Potential Targets of Pegasus Spyware, According to ‘The Guardian’ | Spain


More than 200 Spanish cellphones have been selected as possible surveillance targets by a client of NSO Group, an Israeli company that markets spyware called Pegasus, the British newspaper The Guardian reported tuesday. This media added that this customer would be Morocco, according to a data leak which led to a collaborative investigation known as Project Pegasus.

“Mobile number selections allegedly made by Morocco took place in 2019, according to data timestamps, which include over 50,000 numbers of individuals selected as possible surveillance targets by NSO customers around the world” , said the British newspaper citing the leaked database.

One of the numbers belongs to Aminatou Haidar, a prominent human rights activist from Western Sahara who has been targeted by Pegasus since 2018, according to analysis by Amnesty International. Traces of the Pegasus spy program were found on a second phone belonging to Haidar in November 2021. A number belonging to Spanish journalist Ignacio Cembrero, whose work focuses on the Maghreb region of Africa, was also found.

The fact that these phone numbers were selected by a customer believed to be Morocco does not mean that all the numbers were attacked or hacked, according to the British media. But it does indicate that the client appeared to be actively researching possible targets for surveillance in Spain.

The spyware maker, NSO Group, argues that the fact that a number appears on the leaked list does not indicate whether it was monitored with Pegasus. The company defends that its product is intended to fight crime and terrorism, and claims that each time it becomes aware of a possible misuse of Pegasus, it tries to find out if its customer has purchased it for legal purposes or to snoop on politicians’ phones. opponents, activists, journalists and dissidents. A spokesperson for the ONS told EL PAÍS that this type of activity violates the desirable use of these tools.

We don’t know who it could have been, and when we do, we’ll make it public.

Félix Bolaños, Spanish Minister for Prime Minister’s Affairs

Following allegations of political espionage in several European countries in recent years, an EU Board of Inquiry has been appointed to investigate Pegasus, which in theory is only accessible to government agencies. The program can take control of a mobile phone without its owner noticing and, in addition to accessing all its content, it can also transform it into a listening and image capture terminal.

Morocco has previously denied spying on any foreign leader using Pegasus and maintained that journalists investigating NSO were “unable to prove [the country had] any relationship” with NSO, The Guardian reported.

The Pegasus affair took an unexpected turn in Spain on Monday when the government announced that Prime Minister Pedro Sánchez and Defense Minister Margarita Robles had also been targeted by the spyware program. The alleged intrusions occurred in May and June 2021, and Spain’s High Court, the Audiencia Nacional, has opened an investigation into the matter.

These revelations add to allegations of alleged espionage against more than 60 Basque and Catalan separatists, as reported by Citizen Lab, a group of cybersecurity experts from the University of Toronto. Legal proceedings to investigate these allegations are ongoing in the courts of Barcelona.

The judge in charge of investigating the Sánchez and Robles case specified that the hack took place on May 19 and 31, 2021, a time when Spain was caught in a diplomatic row with Morocco. But Félix Bolaños, Spain’s minister for prime minister’s affairs, refused to link the attack to Morocco, instead saying the attack was “external”. “We don’t know who it could have been, and when we do we will make it public. We will wait,” Bolaños stressed in an interview with Cadena SER radio.

Service with a smile – Becky Watson is retiring from Kroger after 47 years – The Hartselle Enquirer

Photos by Jodi Hyde and contribution

Story by Rebekah Yancey

It was 1975. Becky Watson was a sophomore at Morgan County High School who yearned to earn her own money and taste independence. So Watson, then Worley, visited Kroger in Hartselle and applied for a job.

She was hired, and over the years she turned her extracurricular job — earning less than $2 an hour — into a 47-year career at several Kroger locations in the Tennessee Valley.

Originally from Hartselle, Watson – a wife, mother and grandmother – retired from her decades-long career at Kroger, where she provided service with a smile and became family to many of her colleagues. and customers.

Reflecting on how time has changed the grocery industry, Watson said early in his tenure at Kroger, UPC codes weren’t used and employees were trained in all facets of the job – from from bagging and storing to working at the cash register, providing customer service and more.

“Everything had a price, and you typed in all the numbers and calculated the tax,” Watson said. “We offered Top Value stamps that customers could collect and redeem for gifts. When I hired, we didn’t have baggers and checkers; we have done everything. We even cleaned the bathrooms and swept the floors.

Watson has spent several years working in different departments, including the produce and frozen sections, with stints in dairy and floral. She moved into management succession for 10 years before moving into full-time management, where she worked for the rest of her career.

“It’s so funny,” she added, “that my last day as a clerk was March 31, 2004” — and her last day at Kroger was exactly 18 years later.

Katrina Sharp has been employed at Kroger for 10 years and has worked at the Hartselle site for five years. She said Watson was like a second mother. “She’s my Kroger mom,” said Sharp, who runs the floral department. “She’s helped me every Valentine’s Day, every Mother’s Day. I think that’s where her passion lies.

“To describe Becky – you can’t put it into words,” Sharp said. “She’s one of the most compassionate people I’ve ever met and she cares about people on a more personal level. I hope I’m half the woman she is. She’s special. He there aren’t many Beckys in this world.

Drake Posey agreed. “She treats everyone with care. She has a very strong heart and doesn’t mind getting her hands dirty,” he said. “She will be greatly missed.”

Hartselle Kroger store manager James Blake has known Watson for six years and calls him an inspiration. “She looks after everyone, takes care of everyone and she tries to do too much most of the time, but we all love her and we will miss her. It’s going to be bittersweet,” said said Blake.

Watson said she doesn’t yet know what retirement has in store for her. Always busy, she says she will have to force herself to slow down and enjoy the next phase of her life with Tony, her husband of 41 years.

“It’s going to take some tweaking,” Watson said. “I think my knee replacement surgery was the divine way to prepare for retirement.

“Tony wants me to use the Kroger mic for about a month to deprogram myself,” Watson added with a laugh. “He knows if I go in there and something’s out of place, I’m going to put it in the right place.”

For Watson, the job was never just a paycheck. She said working at Kroger had a profound and lasting impact on her life.

“It’s not just about coming here and working. People have lives, and you have to be able to feel for them and care about them — there’s so much to do,” she said. “I have ‘Kroger kids,’ many of whom have moved into management and done great things with their lives. I’ve gotten so many text messages from all over with ‘Congratulations, Mrs. Watson!’

Overall, Watson said she was grateful for her years at Kroger, the relationships she made and the experiences she had. The most valuable thing she said she ever received from Kroger was her dog Zoe, which she found outside the store one night while working late. Once a constant companion to Watson, the poodle mix died in March at the age of 14.

“It was an adventure,” she says. “It’s so much more than selling groceries.”

Consumer advisory: Don’t give money or information to scammers who promise student loan forgiveness


Many student borrowers have recently filed complaints with the Consumer Financial Protection Bureau (CFPB) about companies promising them student loan forgiveness or loan forbearance in exchange for fees amounting to hundreds or thousands of dollars. Borrowers thought they were talking to their manager or a company authorized by the Department of Education, as they often knew private information such as the borrower’s loan balance or recent consolidation activity. It is fraud.

Legit options to get rid of your federal student loans from April 2022:

  • Loan forgiveness is not available to all student borrowers at this time, although there are federal student loan forgiveness programs for specific borrowers as public service employees. There are also instances where the borrower may qualify for student loan release .
  • Federal Student Loans Services cannot charge you to apply for loan forgiveness, income-contingent repayment (IDR), deferral or forbearance, or to file any other documents. Federal loan servicers charge no application or processing fees to consolidate your federal loans into a direct consolidation loan.
  • The CARES Act pause on payments and interest for federally held student loans has been extended until August 31, 2022. Forbearance on eligible loans will occur automatically. No one will contact you to enroll in the CARES Act forbearance. There is no cost to enroll in the CARES Act forbearance. If your payment will be too high at the end of the break, please contact your service agent directly to explore a variety of payment relief options. Your federal loan officer will not charge you any application or processing fees to help you switch to a different repayment plan such as an IDR plan or enroll in one of the deferment or forfeiture options that are available to you.

In addition to filing complaints with the CFPB and the Federal Trade Commission (FTC) we encourage consumers to learn how to recognize these scams and report the scammers to the authorities.

Here are some red flags to watch out for

Charge upfront fees for free programs

Scammers often attempt to charge for programs that all borrowers can access for free, including document preparation. loan forgiveness or discharge (to the extent these programs are available to you), consolidation of credits , forbearance, and student loan deferment are all free programs provided by your servicer. If a company asks you to pay large sums of money upfront, it is likely a scam and should be reported. Do not give money or personal information to the company. Contact your loan officer to determine your options. You can find out who your repairer is by sign in to your Federal Student Aid account or by calling 1-800-433-3243.

Pressure to decide quickly

Scammers might tell you that you only have 24 hours to take advantage of an offer or program. This is a red flag. Most programs offered by the government do not require this sense of urgency. Confirm if it is a legitimate company before taking further action.

Encourage you to cut off communications with your loan officer

This is a warning sign that this company is not working in your best interest. As a student borrower, it is important that you maintain communication with your service agent. If someone urges you to make payments to their business instead of your loan officer or to stop communicating with your loan officer, don’t give them any information. Don’t stop making payments to your repairer.

Claim to be affiliated with your loan officer or the Ministry of Education

Scammers can name depository organizations where you have a loan account. Pay attention to statements such as “we work with the Ministry of Education” or “we are in partnership with your loan officer”. If someone contacts you and claims to be in partnership with your loan officer, hang up the phone and contact your loan officer directly to confirm. Call the number listed on your billing statement or through your repairer’s web portal. Do not use contact information provided in an email or voicemail.

There may be times when your student loan officer contacts you about the Public Service Loan Forgiveness (PSLF). As part of a recent settlement with the CFPB, Edfinancial, a federal student loan servicer, is required to contact all of its Federal Family Education Loan Program (FFELP) borrowers to advise them of the limited PSLF waiver so that eligible borrowers can take advantage of the waiver before it expires.

Request personal information by e-mail or telephone

Scammers often ask for personal information such as your full social security number, bank account number, FSA ID, or studentaid.gov password. Do not give any personal information to an unverified company over the phone. If you think the caller is a scammer, hang up and contact your repairer directly to determine if there are any actions required for your loan. If you have provided your personal information to a scammer, we have listed some tips below to avoid scams.

If you have been contacted by a scammer or victim of fraud

For more information on student loan scams and what action the Bureau and FTC have taken against scammers, please see the 2019 Annual Report of the Student Loans Ombudsman .

Black Banks Equal Black Pride and Black Wealth |


This is volume 13 of my monthly column titled Black Dollars Matter. As I point out monthly, this column is generally designed to compel white businesses/entities and white employers in Philadelphia to treat black consumers and black applicants/employees/businesses with respect. But, more importantly, it is also designed to convince black people in Philadelphia to “do for themselves” economically and politically because, in a capitalist democracy, money and politics talk – which means to persuade – and people BS are walking – which means leaving empty-handed. .

Speaking of “doing it for yourself,” the first step to making money is saving money. In other words, if you spend it as soon as you get it, you never really got it; you just “held” it while it burned a hole in your pocket until it got to someone else who doesn’t look like you or care about you and has it saved by banking and then investing it strategically for his/their people in his/their community.

You remember the two most important old sayings about money, right? “A penny saved is a penny earned.” And “A fool and his/her/their money are soon parted.”

Let’s focus on the first, the saving part, in this month’s article. And let’s start at the beginning, shall we?

After the nation’s first “whites-only” bank opened in Philadelphia in 1791, America’s first pro-black bank, which was also the nation’s first military bank, was established. Called the Free Labor Bank, it was established in 1864 – a year before the passage of the 13th Amendment – by Union General Nathaniel Prentice Banks (real name) in New Orleans to provide a secure repository for soldiers from the Black Civil War and former slaves. It offered an opportunity, as noted on fedpartnership.gov, for black people “to learn about thrift and economics…. [It was designed for Blacks] who owned land…and who worked on plantations seized by the government…”.

That’s the good news. But the bad news was:

“The [Black]soldiers would deposit a portion of their pay, which was saved for a relative or for the soldier’s use at a later date. Unfortunately, many of these soldiers did not know how banks worked and they left close to $200,000 [which equals over $3.5 million in 2022] unclaimed from the bank at the end of the war. Fortunately, however, the government would use these funds as seed capital for the Freedman’s Savings and Trust Company in 1865.

By the way, in addition to being a brave and victorious general, Nathaniel Banks, who was white, was also an abolitionist and a reconstructionist. In other words, he was a cool white guy.

The first black-owned and operated bank in America was the Capital Savings Bank, founded in Washington, DC, in 1888. It was so successful that by 1892 it had more than $300,000 in deposits. This equates to more than $5.3 million in 2022.

Speaking of 2022, less than 0.5% of the 4,236 FDIC-insured U.S. banks (including credit unions) are currently black-owned. One percent is 42. We have 20. Twenty is less than half a percent! WTF? ! There are 44.5 million black people in this country, and less than half of one percent of FDIC-insured U.S. banks (including credit unions) are black-owned. Brothers and sisters, we must do better. We must “do for ourselves”.

Between 1888 and 1934, there were 134 black-owned banks across the country. Currently, there are only 20. This is objective proof that things have gotten worse financially for black people in America. And the fault is integration. The numbers prove it. Look at 134 to 20. Look at what happened to Negro Leagues Baseball and the hundreds of small but successful black businesses that relied on Negro Leagues Baseball but died with it when Jackie Robinson was signed and brought to Major League Baseball.

Founded in 1920, Negro Leagues Baseball was a powerful force in and for the economies of many black communities across the country. Tragically, despite good intentions (and bearing in mind that the road to hell is paved with good intentions), these black leagues and their resulting black economies were killed by integration into Major League Baseball. with the death knell sounding in 1947 when Robinson was signed by Plug Rickey to the Brooklyn Dodgers.

Negro Leagues Baseball had been the catalyst for many hugely profitable Black-owned and operated businesses nationwide, including but not limited to hotels, restaurants, convention halls, jazz clubs, livery services, drapers, hair salons, newspapers, insurance companies and most. especially banks.

But enough about the economic flaws of integration. Back to today’s black banks.

As investopedia.com made clear in regards to the Brookings Institution’s preeminent report titled “Examining the Black-White Wealth Gap”, dated January 26, 2022:

“Today, the net worth of a white family is almost ten times greater on average than that of a black family. This is the result of inequality, discrimination, [and] racism…throughout America’s history. This is also why the decline in the number of black-owned banks is of particular concern, given the role these institutions play in combating modern systemic racism in the financial sector.

I’m proud to say that I fight modern systemic racism in the financial industry by working as a law firm at the black-owned and operated United Bank right here in Philadelphia.

Additionally, I have a personal checking account and a “New Black Wall Street/Greenwood” online credit card at One United Bank, which has branches in California, Florida, and Massachusetts. One United is America’s largest black-owned bank because it was created by financially combining, that is, culturally uniting, black-owned banks in Los Angeles, Miami and Boston.

For more information on the history of One United and its cultural ties to the incredibly profitable Black Wall Street from 1906 to 1921 in the Greenwood section of Tulsa, Oklahoma, and for helpful information on how you can help build this that the Whites of Greenwood burned down in 1921, log on to oneunited.com and open a “New Black Wall Street/Greenwood” checking/credit/debit account.

Also, log on to kansascityfed.org and read “Let’s Put Our Money Together: The Founding of America’s First Black Banks” by Tim Todd.

Let’s turn that aforementioned less than 0.5% into at least 50% by opening accounts large and small in one of America’s 20 Black Banks so they can unite and eventually multiply. You can do it in person or you can do it online. Anyway, do it.

In other words, “Do for yourself”, Brothers and Sisters. “Do for you!”

First & Last, a new neighborhood restaurant in Phoenix, is a love story from start to finish


The story of First Lasta bustling neighborhood restaurant and the newest addition to the historic Gold Spot building at the corner of Roosevelt and Third Avenue, begins with the story of owners Robb and Ashley Hammond.

Robb, who grew up canning and canning in the Midwest with his mother and grandmother, fell in love with cooking in his twenties. “As an insecure 20-year-old, I liked doing things I was good at,” he says. “I have always known how to cook. Also, the people who showed me the most love when I was a kid showed it through food. He danced around the Chicago dining scene, working in the kitchens of luminaries like Grant Achatz, Rick Bayless and Curtis Duffy before moving to Los Angeles, where he became regional executive chef for LGO Hospitality’s California properties. This is also where he met Ashley.

Ashley started working in restaurants when she was 16. “I immediately loved the fast pace and how each guest that came in was another opportunity to bond and brighten someone’s day,” says Ashley, who ran local hotspots La Grande Orange and Maple & Ash, as well as The Misfit in Los Angeles, where she met Rob. “I was hooked right away and I haven’t stopped working in the hotel industry ever since,” she adds.

Click to enlarge

First & Last’s cacio e pepe is cheese and pepper perfection.

Allison Young

After falling in love with restaurants, the two fell in love with each other. Now husband and wife, even the name First & Last, as in “the first thing I think about when I wake up” and “the last thing I think about before I go to sleep”, reflects their love. “It turned into first and last over time, kind of a shorthand for how we feel about each other,” Ashley explains. “The name reminds me every day that we’re in it together.”

First & Last invites you into the history of the Hammonds. Step into the modern desert oasis – an inviting space with pastel hues, playful lighting, large potted plants and high exposed ceilings that are at once bright, airy and industrial-leaning – and you can feel the love who entered it. It’s a multifaceted feast for the eyes, whether at the table, at the bar, at the chef’s counter, in the chic lounge, or on the terrace (there is also a mezzanine called “Le Panier” perfect for private events and groups), and each seat brings a different perspective with a similar feel. “The layers of the different spaces allow guests to use the space in multiple ways,” says Ashley, who runs date nights in the main dining room, happy hour with friends in the lounge, and dinner parties. relaxed on weekdays at the bar. “The chef’s counter was a really fun addition to the space. I feel like guests who want to sit there are always happy,” she says.

Click to enlarge First & Last is bright and airy, with an added industrial touch.  - ALLISON YOUNG

First & Last is bright and airy, with an added industrial touch.

Allison Young

The space is lovely, but the real love story begins with the food. The one-page seasonal menu is refreshing in its simplicity and craving. Each dish starts with a single ingredient – carrots that entice with their sparkle, meaty asparagus that’s as thick as they are tender, grilled whole branzino, 28-day aged rib eye – that reaches new heights with shakes of aged fish sauce cask, fermented chimichurri chile, candied Meyer lemons, or smears of robust romesco. “In my world, dishes are driven by a single ingredient,” says Robb. “I try to surround that ingredient with all the things I know that enhance it.”

Chef Robb calls himself a perfectionist, but the subtleties are all there. A grilled asparagus entrée is armed with creamy garlicky tahini and horseradish gremolata for a creamy, crunchy, plate-licking treat. Whipped feta, which looks like art with its array of colorful fruits and vegetables resting on a cloud of creamy feta, quickly turns into a mess of deliciousness. The deliciously simple cacio e pepe transforms spaghetti, pecorino romano and black pepper into a mesmerizing plate of creamy pasta under a blizzard of grated cheese. The clams are bathed in a broth of herbs, butter and sauvignon that you will swallow with pleasure with the large piece of toast that accompanies it. Echoing his childhood experiences, Robb shows love through food.

Click to enlarge Take The Scenic Route at First & Last for a flowery, not-too-sweet sip.  - ALLISON YOUNG

Take The Scenic Route at First & Last for a flowery, not-too-sweet sip.

Allison Young

The cocktail menu, designed by Cody Dickerson, shows the same refined restraint, skipping the gimmicks for seasonal ingredients and playful spirits. Take The Scenic Route, which combines pisco, elderflower, Peychaud and sparkling wine for a light, bright and floral sip. Things get boozier with the Fountain of Youth, a vehicle of strawberry gin, bianco vermouth with basil notes that are more on the savory side. “Cody is currently working on a pickled strawberry and rhubarb spritz for the summer that we will be adding to the menu soon,” notes Ashley.

The wine list is also intended to be evolving and rotating, with selections by the glass and by the bottle that are neither standard nor trendy. “Some current favorites are a killer rosé from Germany that has strawberry notes and great acidity, and a Txakolina from Spain made by high school sweethearts who traveled the world together before returning to the Basque Country and starting a cellar. It’s light, bright and semi-sparkling,” says Ashley. There are also local beers, sours and ciders on tap, plus a surprise guest: “You can’t visit First & Last without trying Montenegro on tap,” Robb says of the after-dinner Italian digestif.

Click to enlarge First & Last's Whole Grilled Branzino is as tasty as it is impressive.  - ALLISON YOUNG

First & Last’s Whole Grilled Branzino is as tasty as it is impressive.

Allison Young

When you’re done and the bill comes, you’ll be well satisfied. But beyond the empty plates, there is a feeling of real satisfaction. “Service is what you provide; hospitality is how people feel,” says Ashley. “We believe that everyone who walks through our doors is a guest, and we aim to make them feel that way.” A love story from start to finish.

First Last
1001 Third Avenue North
Opening hours: 4 p.m. to 10 p.m. Wednesday to Sunday; closed monday and tuesday

Why the Russian Uranium Debate Has America’s Tribal Nations Worried


David Kreamer, a professor of hydrology and a specialist in groundwater contaminants at the University of Nevada, Las Vegas, disputed that claim.

“I’m all for mining if it’s done responsibly with proper safeguards,” Dr. Kreamer said. But he called Pinyon Plain a potential “ticking time bomb” that could have ill effects in a decade.

Dr Kreamer said he was particularly concerned about drilling activities at the mine which breached an aquifer several years ago, releasing millions of gallons of water high in uranium and arsenic.

To prevent the water from contaminating nearby areas, Energy Fuels collects it in a pool at the mine, where some of it evaporates. The company also trucked the water nearly 250 miles to White Mesa, Utah, where the company has the nation’s only fully licensed and operating conventional uranium plant. The Ute Mountain Ute Tribe, whose members live near the White Mesa site, called last year for the plant to be closed.

In correspondence this year with Arizona regulators, Scott Bakken, vice president of regulatory affairs at Energy Fuels, said the company also measures daily volume and conducts periodic sampling of water pumped to the surface. . Mr. Bakken added that Energy Fuels would increase pumping frequency to mitigate any risk to groundwater if water quality standards were not met.

The Arizona Department of Environmental Quality on Thursday gave the company the go-ahead to proceed, granting an aquifer protection permit to Energy Fuels. The decision, which is the latest stamp of regulatory guidelines for the project, allows the company to use engineering controls to “minimize pollutant releases”, the agency said.

But members of the Havasupai tribe, as well as hydrologists such as Dr Kreamer, also fear that the uranium-rich water released from the aquifer, despite the company’s efforts to collect it, could jeopardize the supply of water from the nearby village of Supai. , home to the Havasupai families, and springs from the Grand Canyon itself.

Batman: The Animated Series – 10 Best Penguin Quotes


After having watched The Batman, it’s no surprise that vigilante fans went looking for anything plot-related. One of the first things they learned was the Batman: The Animated Series, which remains one of DC’s greatest animated shows. One reason is the portrayal of infamous villains beyond just committing crimes and turning them into lovable and sometimes even likable characters. One of these characters is one of Batman’s oldest enemies, the Penguin.

RELATED: The Penguin’s 10 Best On-Screen Portrayal Quote

Interestingly, this version of Oswald Cobblepot (voiced by Paul Williams) didn’t have as many episodes as other big-name villains, such as Joker and Two-Face; however, he made an impact regardless with his refined dry wit and even some rather heartbreaking moments. These are best expressed with some of his best lines in the entire series.


Penguin trashes an art gallery

“Sorry for the intrusion, sir, but at least you got trashed by a man of impeccable taste.”

The Penguin steals a painting in Batman The Animated Series

The Penguin is sometimes portrayed as a posh gentleman thief, and the B:TAS version of the Penguin is no exception. At the start of “Birds of a Feather”, the Penguin is seen robbing an upscale art gallery with his henchmen.

It’s pretty neat that he flies into an art gallery and passes out over his favorite painting. But what sets the Penguin up wonderfully as a gentleman thief is the way he apologizes to the bound and gagged art curator and assures him that he has “been robbed by a man of impeccable taste. “.

Penguin Umbrella Trick

“Damn! I’ll grab the wrong umbrella.”

The Penguin shooting with an umbrella in Batman The Animated Series

The episode, “Almost Got ‘Im”, remains one of the show’s best episodes of all time. It revolves around some of Batman’s most infamous foes telling each other how they almost caught Batman one-on-one during a game of poker.

Penguin begins the story of his scheme by “accidentally” spraying Batman with seemingly harmless gas from his umbrella. Although ultimately a trick, it’s one of the Penguin’s funniest quotes due to how perfectly it reflects his signature umbrella arms and Williams’ brilliant, sleek delivery of the line.

The penguin’s disdain for interior design

“Destroying this place could only make it better.”

The Penguin and a group of children in Batman The Animated Series

The Penguin can act politely in what he considers respectful company, but he’s not afraid to voice his opinions about taste. A low-key but amusing example is when he and his henchmen break into and enter a suburban home where a precious Fabergé egg is hidden.

RELATED: The 10 Best Penguin Actors, According To Ranker

Once inside, the Penguin dismissively calls the interior decor “bourgeois”, commenting that tearing up the house to find the egg “could only make it better”. For someone who claims to be a gentleman, he can certainly be very insulting to and from others.

The ironic ways of the penguin

“Gentlemen, and I use the term loosely, after you.”

The penguin in Batman the animated series

Like any successful crime boss in Gotham, the Penguin has henchmen and henchmen to help him carry out his dirty work. But while he may be refined in his manners, that doesn’t mean he treats his minions with the slightest respect.

In one of B:TAS Admittedly weird episodes, “I have a bat in my basement”, the Penguin hires two henchmen called Jay and Raven to help him steal a Fabergé egg and ultimately retrieve it from two children protecting Batman. After unlocking the door, the Penguin steps aside to let his henchmen enter first to check for traps. The dry, dismissive sarcasm towards his henchmen is both appropriate and amusing for the snobbish trickster.

The penguin throws a tantrum

“I wanted the rare ones! The Audubon reversed!”

The Penguin points his umbrella gun in Batman The Animated Series

Some of Batman’s Rogues can be known to throw almost childish but amusing tantrums if their henchmen get it wrong or if Batman comes out on top. The Penguin, as refined and controlled as he may think compared to his peers, is sometimes no exception.

One particularly smirk-inducing moment is his reaction to learning that his henchmen missed a robbery and stole a collection of low-value stamps instead of “the rare ones” Penguin wanted. The anger is only made funnier when he throws the stolen stamps to the ground while seated on some sort of throne.

Don’t insult the birds in front of the penguin

“Do you find pigeons funny, my friend?”

The Penguin in an aviator helmet and a pilot in Batman The Animated Series

A notable aspect of the Penguin is his fondness for birds. In the anime series, he not only shows affection to them, but he uses them for his schemes. In fact, he shows them more respect than his human sidekicks.

RELATED: 10 Best Alternate Versions Of The Penguin In The Comics

In the episode “Blind as a Bat”, the Penguin and his minions hijacked a military helicopter. While threatening the civilians with it, the pilot laughs, commenting that they run around like “frightened pigeons!” The Penguin isn’t too amused, however, and his response above is delivered in such cold tones that the frightened pilot immediately shuts up.

heartbroken penguin

“All I wanted from you, darling, was a little friendship! It wouldn’t have cost you anything!”

The Penguin and Veronica Vreeland in Batman the Animated Series

“Birds of a Feather” is arguably the best Penguin episode on the show, and one of the main reasons is that it reveals the Penguin to be one of Batman’s villains who could have truly reformed.

The Penguin had good intentions of putting his criminal past behind him after his release from prison, but it’s set even more in stone when he falls in love with socialite Veronica Vreeland. The moment he finds out his affections were a ruse is pretty heartbreaking, and that line is a rare moment of true Penguin hurt across the Batman franchise as a whole.

Lines that will not be crossed

“I’ll never take another thief out of his sickbed. It’s just not done.”

The Penguin released from prison in Batman The Animated Series

One aspect that sets the Penguin apart from other villains is that he is not as brutal in his crimes as Batman’s greatest enemies and is usually sent to Blackgate Penitentiary rather than Arkham Asylum. . So it’s only natural that there are lines the Penguin won’t cross like other villains would.

A notable example is when Batman confronts him about Two-Face being kidnapped from the hospital. The Penguin denies this with the line above, showing that the Penguin may be a criminal but he certainly has a code of honor and dignity. However, that doesn’t stop him from pushing Batman out of his window right past that line.

A flair for the dramatic

“Just because you worldly miscreants have no drama in your souls! Anyway, there it was in my Av… Uh, Big Birdhouse…”

Batman The Animated Series Almost Got It Two-Faced Penguin Killer Crock Poison Ivy The Joker

“Almost Got ‘Im” is one of the funniest episodes of Batman: The Animated Series and a moment in the Penguin story helps confirm it. Penguin is interrupted in his story by Poison Ivy and Joker mocking him for the “corny” name of his birdhouse: the “aviary of destiny”.

The penguin’s feathers are ruffled from the teasing of his comrades and he proclaims the above before continuing with his story, reluctantly calling it a “big birdhouse instead”. It’s not just a hilarious Penguin character climax, but a wonderful humanizing moment for the Batman villains as they play cards and tease each other harmlessly.

The real villain of the story

“I guess it’s true what they say. Society is to blame. High society.”

The Penguin is arrested in Batman The Animated Series

The end of “Birds of a Feather” is hard-hitting but thought-provoking commentary. After his loss to Batman, Penguin is arrested again and Veronica apologizes to Penguin for his behavior, commenting on how much she was really starting to like him. However, Penguin responds bitterly with the above line.

The episode and this quote can be seen as an apt commentary on how the upper classes can sometimes be cruel to those they deem unworthy. In Batman’s world, villains aren’t always costumed misfits, but can also be found among the civilians of Gotham.

NEXT: 10 Episodes Of Batman – The Animated Series That Would Make Great Live-Action Movies

Young Sheldon's Big Bang Theory Finale

Young Sheldon’s Big Bang Theory track connection becomes a lie

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Postman Food Drive Brings Back To Stamp Out Hunger For Those In Need | News


The U.S. National Branch of Guam Letter Carriers is bringing back its annual food drive to help families in need.

NALC’s annual food drive has been the largest all-volunteer one-day food drive in the country in the past 30 years and takes place nationwide on the second Saturday in May.

According to Maria Ydil, president of the Guam branch of the National Letter Carriers Association, as part of their community outreach and to see firsthand what families have been through over the past two years, the timing of this food drive is crucial.

“Before it wasn’t much, but now everywhere I go I can see at every intersection, I can see two to three people standing on the corner with a sign asking for food,” said said Chase Duenas, NALC coordinator and mail carrier.

Food banks and pantries receive the majority of their donations during the Thanksgiving and Christmas holiday seasons, according to information provided by Ydil, who noted that in the spring and summer, many food banks and pantries eat are exhausted and food supplies are running out.

Additionally, as postmen, Ydil and Duenas said they also saw important items being delayed in delivery, such as medicines, checks and other essentials.

With the easing of COVID-19 restrictions, the NALC Guam branch was thrilled to get started and do its part to help with the annual food drive.

“We really think we have to because a lot of people need our help, even if it’s just in our own way, by collecting non-perishable food, we are really making a difference,” Ydil said. “It may not be a lot, but it’s an effort that counts.”

The public can support Guam postmen in this annual food drive by donating non-perishable food items at drop-off locations across the island through May 13.

Additionally, if customers are delivering to their homes, they can simply leave non-perishable food donations in their designated mailboxes on Saturday, May 14.

All donations go to three local food banks: The Salvation Army, Catholic Social Service and Kamalen Karidat.

Fiona Personal Loans Review | Find the best loan for you


Fiona is a service you can use to search for personal loan providers, as well as savings accounts, student loan refinances and more. Even Financial, based in New York, created Fiona, which is not a direct lender. Instead, it uses lender relationships to connect consumers with financing options. Loan requirements depend on the individual lender, but loans are available for almost any credit score, according to Fiona. It is free to use the service and submitting an application will not affect your credit score.

  • Loans are available for a wide range of credit scores.
  • The loan process is digital, with no need for paperwork or an in-person meeting.
  • Funding can be available in as little as one business day.

  • You may have to pay an origination fee of 1% to 6%, which will be taken from the loan proceeds you receive.
  • The loan process is done directly with the lender you select, not through Fiona, so you must use the lender’s customer service.

Fiona can help consumers find loans for debt consolidation, credit card refinancing, home renovations, weddings, moving and more. You may be able to find unsecured loans, lines of credit or secured loans from Fiona’s partners. Lenders may apply other loan restrictions. Other services offered by Fiona include connecting consumers with personalized credit card offers and high-yield savings accounts.

Fiona can connect consumers with pre-approved and pre-qualified loan offers from its provider network. Users can submit a single application with Fiona and see loan offers in less than a minute. Each lender has their own product offerings and credit requirements, but almost any credit score can be matched, according to Fiona.

Fiona considers several factors when matching you with loan offers, including the annual percentage rate, how quickly you need the funds, and the terms of the loan. The entire process, from applying to receiving the funds, is done electronically, with no paperwork required. You can also use Plaid, a service that uses your bank account credentials to confirm your personal information and pre-fill most of Fiona’s personal information forms. Loans can be funded in as little as one business day.

Fiona is free to use. The application process with all Fiona lenders is free, but you may have to pay an origination fee of between 1% and 6%. The origination fee will be deducted from the loan proceeds you receive and is included in the APR you see. Lenders may also charge other fees, including late payment fees. You should check directly with the lender to confirm the terms, fees and conditions.

To be matched with personal lenders on Fiona, you must complete an online application. The application process is free and will not affect your credit score. Once you’ve entered information, including why you need the loan and how much you need to borrow, Fiona will provide you with a curated list of loan offers from Fiona’s network of lenders. You can search for loans of up to $250,000 through Fiona.

When you accept a loan offer, you will be redirected to the loan provider’s website to finalize the loan. The rest of the application process is done directly with the lender, but Fiona will help pre-populate the application with the information you provided in your initial application when it is possible to do so.

The minimum credit score to qualify for a loan depends on the lender, but Fiona says her network of more than 30 lenders includes loans suitable for almost any credit score.

Fiona is an all-digital service that operates in all 50 states.

Fiona’s parent company, Even Financial, received an A+ rating from the Better Business Bureau. Trustpilot gives Fiona 4.4 stars out of 5 based on more than 200 reviews, earning it an “excellent” rating.

Fiona’s customer service is available by phone at 800-614-7505, by email at help@hifiona.com, or by filling out the contact form on the company’s website. Fiona promises to respond within 24-48 hours to acknowledge receipt of your request. They try to resolve all inquiries as soon as possible, but may need to contact you for additional information.

Fiona offers a range of online services. You can complete the personal loan process from application to receipt of funds online. You can also find lenders to refinance existing loans or look for high-yield savings accounts.

Fiona also offers a suite of educational articles related to the financial services she offers. Topics covered include loans, insurance, savings accounts, mortgages, credit cards and credit scores.

  • People who want an online lending experience.
  • People who need a fast loan process.
  • People who want to quickly compare different loan offers.

Best Free Standing Desk File Cabinets of May 2022


This list is about the best freestanding office filing cabinets. We will do our best for you to understand this list of Best Pedestal Desk Filing Cabinets. I hope you like this list Best Free Standing Office Filing Cabinets. So let’s start:

Quick List of the Best Free Standing Desk File Cabinets

These filing cabinets are mainly equipped with compact drawers and a file drawer. To know which variant of filing cabinet you should integrate in your office, these filing cabinets are a vertical product. They usually fit under the standard desk. This means that they are no longer than 28 inches. moreover, they are taller than wide and do not have a heavy weight. This lightweight file cabinet can be made of steel, wood or plastic. Compact or dresser drawers are intended for storing personal items or office supplies. This included post-it notes, tapes, pencils, notebooks, etc.

Some binders come with a removable pencil tray, it will keep your little things organized. Ball bearing slides provide the smoothest, quietest filing drawers. The slides are mounted on ball bearings and improve the performance of the binder. They produce no annoying noise when opening or closing the drawers. Balance weights are often created from concrete, lead, or other heavy materials. They are embedded in the bottom of the binder. These weights are very useful as they add stability and prevent you from tipping over.

Check out the list of the best freestanding office filing cabinets

Kevinplus 3 Drawer Wooden File Cabinet

This filing cabinet with open storage spaces, filing drawers and a storage cabinet is designed to store office supplies, paper, files and supplies. It can be placed next to or under a desk. With a practical and elegant style, it’s an easy choice for the office or home study.

This rolling file cabinet features 2 spacious drawers and 4 open storage shelves to store your pens/pencils, address labels, stamps, files and other office supplies. This printer cabinet with an evenly distributed maximum weight capacity of 150 lbs. Rolling on five wheels, it can be freely moved and adjusted in position.

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This mobile office cabinet is definitely your practical assistant! Whether in the office, at the workstation or at home, the perfect mobility of the vertical filing cabinet can be moved easily and safely, and the locking casters can also make the cabinet stable in any corner. , which can bring you unexpected convenience.

Two of the five 360 ​​degree swivel casters can lock the desk cabinet, providing excellent sliding while keeping the desk cabinet firmly under the desk, and 1 center caster prevents the bottom drawer from tipping over when fully opened. All parts are labelled. correctly and spare screws and bolts are included in the accessory kit.

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HON Brigade mobile pedestal filing cabinet

This sturdy 22 7/8″ deep pedestal features two cash drawers and a file drawer to keep files and store personal items safe. We understand that sometimes locks need to be changed – our durable lockable file cabinet features removable One Key core locks that can be replaced when needed.

The professional-grade compact size fits under any HON 24″d desk or work surface, while caster wheels allow for easy mobility around the office. We designed it with you in mind; Our commercial-grade pedestal features a pencil tray to easily organize office supplies and an adjustable divider plus large sides for front-to-back filing.

Buy now

Sauder Steel River Pedestal File Cabinet

Lack of storage space can really ruin your office. Create a versatile storage option for all your important papers and office supplies with this rustic filing cabinet from the Steel River® collection. Its spacious top drawer opens and closes on smooth metal runners for easy-access storage of various office supplies such as notepads, pens, and folders.

The lower drawer with full-extension slides can hold letter-size hanging files so you can keep all your paperwork organized and secure. This free standing file also includes casters for mobility so you can move it where you need it. The spacious top surface gives you extra space to store and display items such as framed photos and decorative plants.

Buy now

Lorell Slim Hanging Pedestal File

The slim pendant pedestal is a compact alternative to standard pedestals and is ideal for sit-stand workstations. The slim design provides storage space for files and supplies without sacrificing valuable square footage. The metal pedestal also includes hanging bars for letter or legal size file folders.

The pedestal should be secured to a desk or work surface with the included mounting hardware. He is not independent. Store your letter or legal size files without sacrificing valuable square footage.

Buy now

Final Words: The Best Pedestal Office Filing Cabinets

I hope you understand and like this list Best Free Standing Office Filing Cabinets, if your answer is no, you can ask anything via the contact forum section linked to this article. And if your answer is yes, please share this list with your family and friends.

See Sonoma from above in these stunning photos


Once upon a time, everything was open space, wild, ungrazed land. Animal trails leading to the water and trails of Kashia Pomo eventually gave way to dirt roads worn by settlers from as far away as Spain and Russia. Later paved, secondary roads were replaced by viaducts and highways.

From an eagle’s perspective, it might have looked like the earth was being carved up.

As more and more people arrived in Sonoma County, the lines between built and unbuilt space stretched out in a maze of patterns, as farms, housing estates, parks, town centers, forests, rivers, gravel mines and warehouses, all collided with each other.

Today, the idea of ​​“living on the edge” is less a metaphor than a reality. From above, these borders appear like seams in a patchwork of human impressions on the earth. In southwest Sonoma, a flower pattern is stitched onto a patch of solid green, coming to life in a park of mobile homes arranged like daisies, each unit a petal around a pistil-shaped courtyard, a bouquet next to an open meadow.

Above Cloverdale. (John Beck/for Sonoma Magazine)

A fallow field next to a neighborhood east of Petaluma is charred black. Hay farmers live side by side with soccer moms, a stone’s throw from a sewage treatment plant and a hospital. At the eastern end of Rohnert Park, a new development marks order over a sea of ​​wild green grass painted with seasonal pool streaks. And along the coast, Dillon Beach is home to cliffside perches — as close to the Pacific as you’ll see in any panhandle from San Diego to Vancouver.

These endless borders connect urban, suburban and rural landscapes, much like the lines that artists Christo and Jeanne-Claude played with in their “Running Fence” in 1976. At night, they occupy the same liminal space evoked by Bruce Springsteen on the album “Darkness on the Edge of Town”. In daylight, they become ribbons of endless possibilities, like those a child might imagine when listening to Shel Silverstein’s “Where the Sidewalk Ends” for the first time.

Looking from above, one wonders what Sonoma County looked like 500, 100 or even 10 years ago. The open space barely means what it once was, before the fires. And then there were always fires. And it used to be an open space.

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Rubber Stamps Market Outlook 2022-2030 | Key Players – Fremont Rubber Stamp, Rubber Stamps Unlimited, CUSTOM`RUBBER`STAMP`COMPANY, ASAP Stamps Ltd


The latest market research report analyzes the Rubber Stamps Market demand by different segments Size, Share, Growth, Industry Trends and Forecast to 2030 in its database, which depicts a systematic picture of the market and provides an in-depth explanation of the various factors that are expected to drive the growth of the market. The Universal Rubber Stamps Market research report is a high-quality report containing in-depth market research. It presents a definitive solution to obtain market insights with which the market can be visualized clearly and thus important decisions for the growth of the business can be taken. All data, facts, figures and information covered in this business document are supported by renowned analytical tools including SWOT analysis and Porter’s five forces analysis. A number of steps are used while preparing the rubber stamp report taking into consideration the feedback from a dedicated team of researchers, analysts and forecasters.

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The predicted sale of a product is also included in this Rubber Stamps market report which helps market players to bring new products to market and avoid mistakes. It suggests which parts of the business need to be improved for the business to succeed. It’s also easy to discover a new chance to stay ahead of the market, and this market research report provides the latest trends to help you place your business in the market and gain a significant advantage. .

One of the crucial parts of this report includes the discussion of the leading supplier of Rubber Stamps industry on the brand summary, profiles, market revenue and financial analysis. The report will help market players to develop future business strategies and learn about the global competition. A detailed market segmentation analysis is done on producers, regions, type and applications in the report.

Key Players Covered in Rubber Stamps Markets:

  • Fremont rubber stamp
  • Unlimited rubber stamps
  • ASAP Stamps Ltd
  • rubber stamp company
  • Reynolds Rubber Stamp Company
  • Southampton Rubber Stamp Company
  • Hayling rubber stamps
  • Single rubber stamp
  • August Engraving Ltd
  • JL Geisler
  • Everett rubber stamp
  • Jackson Branding Products
  • verses rubber stamps
  • Royal rubber stamps
  • Rubber stamps and seals co
  • The Manchester rubber stamp?

Global Rubber Stamps Market Segmentation:

Rubber Stamps Market Split By Type:

  • Custom rubber stamps
  • Common rubber stamps

Rubber Stamps Market Split By Application:

  • Household
  • Commercial
  • Others

The analysis of the study has been carried out around the world and presents the current and traditional growth analysis, competition analysis and growth prospects of the central regions. With industry standard analytical accuracy and high data integrity, the report offers an excellent attempt to highlight major opportunities available in the global Rubber Stamps market to assist players to establish strong positions in the market . Buyers of the report can access verified and reliable market forecasts including those regarding the overall Global Rubber Stamps Market size in terms of sales and volume.

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Scope of the Rubber Stamps Market Report

Report attribute Details
Market size available for years 2022 – 2030
Base year considered 2021
Historical data 2018 – 2021
Forecast period 2022 – 2030
Quantitative units Revenue in USD Million and CAGR from 2022 to 2030
Segments Covered Types, applications, end users, and more.
Report cover Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
Regional scope North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
Scope of customization Free report customization (equivalent to up to 8 analyst business days) with purchase. Added or changed country, region and segment scope.
Pricing and purchase options Take advantage of personalized purchasing options to meet your exact research needs. Explore purchase options

Regional Analysis of the Rubber Stamps Market can be represented as follows:

This part of the report assesses key regional and country-level markets on the basis of market size by type and application, key players, and market forecast.

Based on geography, the global rubber stamp market has been segmented as follows:

    • North America includes the United States, Canada and Mexico
    • Europe includes Germany, France, UK, Italy, Spain
    • South America includes Colombia, Argentina, Nigeria and Chile
    • Asia Pacific includes Japan, China, Korea, India, Saudi Arabia and Southeast Asia

For more information or query or customization before buying, visit @ https://www.marketresearchintellect.com/product/global-rubber-stamps-market-size-and-forecast/

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Our advanced analytical research solutions, personalized advice and in-depth data analysis cover a range of industries including energy, technology, manufacturing and construction, chemicals and materials, food and beverages . Etc

Our research studies help our clients make superior data-driven decisions, understand market forecasts, take advantage of future opportunities and optimize efficiency by working as a partner to deliver accurate and valuable insights without compromise.

Having served over 5000 clients, we have provided reliable market research services to over 100 Global Fortune 500 companies such as Amazon, Dell, IBM, Shell, Exxon Mobil, General Electric, Siemens, Microsoft, Sony and Hitachi.

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Chronicle of Lake Powell | A do-it-yourself national park


National parks have been getting a lot of love since the pandemic, so much so that this summer you need reservations at many places. For example, you need to make a reservation just to drive Montana’s legendary Going-To-The-Sun route in Glacier National Park, and passes can sell out within hours of being released.

It’s better than stalking parking lots before sunrise and finding trails turning into conga lines, but it makes me all the more interested in a new national park in the works. It’s even closer to home than I thought possible.

It’s also closer to home. “Homegrown National Park” is the brainchild of Doug Tallamy, an entomologist at the University of Delaware and author of “Nature’s Best Hope.” His speech: We have biological problems, and it has to do with things we often take for granted: the basics like soil and water, and pollinators for most of the crops we eat, without which we two-legged people could quickly disappear ourselves. . Half a century after DDT was banned, we’re still losing 60 million birds a year, and it’s not just their pretty song that’s at stake.

You might thank a yellow warbler, for example, for the coffee you drink, which could have been ruined in Costa Rica if it weren’t for the birds battling the plantation pests. As for those beams supporting the roof above your head? It was birds like the chickadee that helped protect this Doug Fir from the spruce budworm in the forest.

When it comes to the food chain, those of us at the top would do well to understand what’s at the bottom, and here’s the rub: it’s not enough to save trees. We also need birds and insects, and not all of them can live in national parks.

Despite the wealth of our public lands, most of the country is under private ownership. Tallamy’s idea is to leverage that with a slew of small projects — as small as an urban lot in the old railroad town of Livingston, Montana, or even a corner of your own front yard.

So this is my garden, and maybe yours. They don’t have to be ecologically pristine to have biological value, and you don’t have to dig up the whole lawn to make a difference. But if we build it, who will come? Even a few square feet of native plants can bring an extinct species home.

In Livingston, after Beth Madden planted her “postage stamp” lawn with native shrubs and wildflowers, the variety of visiting birds grew from seven species – mostly non-native starlings, pigeons, etc. – over 50. She saw flocks of warblers. feasting for hours on tiny insects to fuel their migration and a giant hawkmoth pollinating the new balm of bees.

In Bozeman, a resident who started out with a typical lawn found herself in the middle of a “pollinator wasteland,” despite being right across from a park of mowed grass and a few trees. Using thick layers of mulch and water-loving native plants, she transformed a warm, south-facing part of her yard into a haven for bees, moths and, soon, butterflies. As noted by conservationist Paulette Epple, “the last plant to bloom in the fall is the smooth aster and it’s always teeming with bees.”

Another bird lover tried for years to attract hummingbirds to her feeders, with no success. But after replacing her petunias and marigolds with more bird-friendly plantings, she was rewarded with her first calliope hummingbird.

Even in downtown New York, along reclaimed High Line Park, Doug Tallamy found native plants growing on “gravel”, as well as four species of native bees and two monarch butterflies feeding – all 30 feet above city traffic. My own yard is a study in benign neglect, but last spring my neighbor and I decided to put up a “friendship hedge” along our property line. Together we planted two types of native black currant bushes, and the pollinators were on them before we even put the tools away. In the fall, the bushes with the most berries turned out to be – surprise, surprise – the same variety as a wild currant that was already growing just up the hill.

You won’t find it in a travel brochure, but Homegrown National Park is open year-round. No crowds, no queues and no reservations required.

Asta Bowen contributes to Writers on the Range, writersontherange.org, a non-profit organization dedicated to stimulating lively conversation about the West. She writes in Montana.

Leinster manager Leo Cullen aims for top spot and home advantage in playoffs


Credit: PA Images

Leinster boss Leo Cullen is pleased with the United Rugby Championship organizers’ decision to have the Grand Final staged by the best-placed side as his side are close to securing first place.

Speculation pointed to a fixed venue for the showpiece game being played in South Africa, but that ended with the organizers’ recent announcement.

Close to first place

Cullen believes the decision rewards the best-placed team and has the business advantage of selling enough tickets. Leinster are just two points clear of first place but face a tough Stormers side in the second game of their South African tour.

“Yeah, what do we need, two more points to guarantee first place?” Cullen told the Irish Times.

“It doesn’t guarantee you any success, but it does guarantee you the comfort of your home, I guess.

“So you’re trying to stack the game as much as possible in your favor. I think that’s probably just a reward.

“Could you define a final destination in advance? I don’t know the ads around it, but I think it’s hard to do from what we’ve seen with Super Rugby. Super Rugby never went with that destination final, they always had it as their home team.

“And even with a week to sell, even with a home team, we know it’s not as easy as people think. Mid-June there’s a lot of other stuff going on in terms of competition for the time of bettors. This is probably the big challenge from a business point of view.

Cullen has selected an inexperienced squad to travel to South Africa to rest other players ahead of their Champions Cup quarter-final and believes that despite losing to the Sharks 28-23 in Durban last weekend, the players held on.

“The way the system works, you can’t get the most out of our players and our players are our assets at the end of the day, right?” said Cullen, also highlighting their November, Six Nations and summer tour commitments with Ireland.

“We were confident they would give a decent account of themselves so the challenge for us is to try to do that again this week. I think you can get a young group into one game, but the challenge is trying to get them into another game.

“The Stormers are a different type of team, much more of an attacking threat in terms of the way they play. It also has to do with the conditions because when you’re in Durban, the humidity, there’s been quite a bit of rain, it’s been a lot harder for them to play, so they’ve got a lot more power play and kicking game, whereas the Stormers will be throwing the ball a lot, keeping the ball alive, dumping out of the way all the time contact.

“They are more like a Toulousain, say, trying to keep the ball off the ground and less inclined to set up rucks. They’re a good team to watch. If you watched their game against Glasgow [which the Stormers won 32-7] and some of the tries they scored, it’s a very, very dangerous team.

READ MORE: Western Force’s Kyle Godwin will join Lyon next season

The article United Rugby Championship: Leinster manager Leo Cullen aims for top spot and home advantage in the playoffs appeared first on Planetrugby.com.

Algorand celebrates its negative carbon footprint


One of the Ethereum-killer blockchains is betting its green footprint is an advantage it can use to steer developers and investors away from the original smart contract cryptocurrency.

On April 21, Algorand celebrated Earth Day by announcing that it had introduced a smart contract that will ensure that the carbon footprint of every transaction is offset without any action from the people or companies making them.

See also: PYMNTS Blockchain Series: What is Algorand? Blockchain securing transactions by distributing wealth

Instead, a portion of the network fees collected by the blockchain were permanently dedicated to buying carbon credits via ClimateTrade, a CO2 emissions market that tracks offsets on a blockchain – Algorand, of course – in order to that they are permanently and publicly accessible to companies seeking to erase their footprints.

And to make that point, the company repurchased — and blacked out — nearly 20 of Times Square’s iconic Earth Day billboards.

Become negative

“We’re shutting down Times Square for an hour so everyone can just pause and reflect for an hour on the importance of Mother Earth,” Staci Warden, CEO of the Algorand Foundation, told PYMNTS. “Now, we also happen to be able to translate the energy use of Times Square because they are very progressive – Times Square was founded on the arts community, so they care a lot about that.”

This allows the Foundation to calculate the number of transactions that hour of power offsets. “With the energy that Times Square uses, we can do 350 million transactions,” she said. “That means 350 million payments.”

Highlighting blockchain’s potential to make payment processing faster, cheaper and more scalable, Warden said it would take the current SWIFT payment messaging system about a month.

“350 million payments on Algorand, which is 24/7, takes about 90 hours,” she added.

This carbon offset becomes a bigger issue when you think about payments, she said.

Scale Matters

“When I think of payments, I think of financial inclusion,” Warden said. Highlighting the 1.7 billion unbanked people around the world that many blockchain projects seek to integrate into the global financial system, she added, “Payments are the bedrock of everything. This is where you build credit, where you build savings, where you build insurance – all better and more robust financial products start with payments.

If you’re thinking on that scale, Warden said, “You better make sure you’re carbon negative. It’s something that I think investors are looking at more and more these days too – not just ESG, but also the public.

Read more: Bitcoin’s new headwind: ESG investors double down on ‘mind blowing’ pollution

Algorand is one of many blockchains that is touting itself as a better mousetrap for crypto projects ranging from decentralized finance (DeFi) and non-fungible tokens (NFTs) to micropayments, in part because its proof-of-stake blockchain ( PoS) uses a tiny fraction of a country’s size electricity bill, both Bitcoin and Ethereum, the #1 and #2 blockchains, crashes every year.

just say no

This has become an increasingly important issue even beyond ESG investors who focus on environmentally, socially and governance friendly companies.

The issue came to a head in the European Parliament last month, when an effort by EU green parties to ban power-hungry proof-of-work (PoW) blockchains – which would have been de facto ban on bitcoin – nearly managed to get incorporated into a proposed new Rules for Crypto Asset Markets (MICA) until a fairly aggressive lobbying and publicity campaign helped push it back.

Related: European Parliament votes against crypto mining ban

While the Ethereum blockchain is also PoW, it is transforming into a PoS chain. But the oft-delayed project isn’t expected to deactivate the bitcoin-style mining consensus mechanism — which both secures PoW blockchains and writes new transaction blocks on them — until next year at the earliest.

This means that until then it will remain dirty, very slow (12-14 transactions per second) and overloaded with so many transactions that the fees are in the dollar range at best.

Read more: Ethereum 2.0 will not be faster, says Vitalik Buterin. But it will always evolve massively

This gives much more scalable Ethereum killers, with fees ranging from pennies to fractions of a penny, plenty of time to attract projects and developers who want a greener footprint and greater scalability.



Plastiq - The Future Of Business Payables Innovation: How New B2B Payment Options Can Transform The SMB Back Office - April 2022 - Find out how all-in-one payment solutions can help businesses streamline B2B transactions and eliminate transaction friction. AP and AR management

On: While more than half of SMBs believe an all-in-one payment platform can save them time and improve cash flow visibility, 56% believe the solution could be difficult to integrate with AP systems and existing ARs. The Future Of Business Payables innovation report, a collaboration between PYMNTS and Plastiq, surveyed 500 SMBs with revenues between $500,000 and $100 million to explore how all-in-one solutions can exceed customer expectations. SMEs and help sustain their activities.

King Casimir sided with the weak

REMEMBER ME. Casimir III the Great continues. I was facetiously called the “king of the peasants.” I introduced the Greater and Lesser Poland Codes of Law in an attempt to end the overwhelming superiority of the nobility. During my reign, the three main classes – the nobility, the priesthood and the bourgeoisie were more or less balanced, allowing me to strengthen my monarchical position.

I was known to have sided with the weak when the law did not protect them from nobles and clerics. It was reported that I supported a peasant whose house had been demolished by his own mistress, after she had ordered it to be demolished because it disturbed his enjoyment of the beautiful scenery. My popularity with the peasants helped rebuild the country, under the reconstruction program funded by a land tax paid by the lower social class.
On October 9, 1334, I confirmed the privileges granted to the Jews in 1264 by Boleslaus V the Chaste. Under the death penalty, he prohibited the abduction of Jewish children for the purpose of forced Christian baptism and imposed heavy penalties for the desecration of Jewish cemeteries.
While Jews had been living in Poland since my reign, I allowed them to settle in Poland in large numbers and protected them as the king’s people. My legendary Jewish mistress Esterka remains unconfirmed by direct historical evidence. I have been married four times with no sons only daughters.
I died on November 5, 1370 at the age of 60 from an injury received while hunting. My nephew, King Louis I of Hungary, succeeded me as King of Poland in personal union with Hungary. I was buried in Wawel Cathedral in Krakow.

OF INTEREST. On April 22 we will celebrate Earth Day 2022 and this year’s theme is “Investing in our Planet”. Earth Day 2022 focuses on accelerating solutions to fight climate change. Earthday.org’s mission is to diversify, educate and activate the environmental movement worldwide. EDO is the world’s largest recruiter for the environmental movement, working with over 150,000 partners in nearly 192 countries to build environmental democracy. Check the Earthday.org website for more information.

POLONUS POLISH PHILATELIC SOCIETY. As a collector of Polish stamps, it is always amazing to discover all that one can learn, especially on the page of “gems of Polish philately”. In the 2017 issue of the Bulletin, an article by Dr. James Mazepa features “Overprint on Letter-1919”. The Lublin postal administration was the first of the Polish administrations to become operational. The Provisional Government of the Polish People’s Republic was formed on November 7, 1918 in Lublin, four days before the official proclamation of independence in Warsaw. The remaining stamps of the Austrian Republic field post and those of Bosnia and Herzegovina were used. In December 1918, two issues of Austrian field post stamps were overprinted in Polish stamps. We knew these numbers as the first and second numbers of Lublin. However, it was a complicated time and the Lublin stamps were used during two different tariff periods.
In 2018 an unusual stamp was issued, “Poles in Siberia”, which recognized Polish writer, soldier and political activist Waclaw Kajetn Sieroszewski designed by Ryszard Kufel. A 1zl stamp was also issued to commemorate the founding of the Bar Confederation, an organization of Polish nobles formed to defend the internal and external independence of the Polish-Lithuanian Commonwealth against Russian intervention and Polish King Stanislaw II Augustus , who attempted to limit the powers of wealthy nobles. The designer of this attractive stamp was Maciej Jedrysik. To learn more about Polish history through the art of philately, join the Polonus Philatelic Society or visit our website www.polonus.org.

CURIOUS. Did you know that a mild alcoholic astringent applied to clean cuts, witch hazel was made from the leaves and bark of the witch hazel plant, Hamamelis. The shrub, whose pods explode when ripe, was used both practically and superstitiously in Anglo-Saxon times. Because the plant’s yellow flowers appear in late fall, after the branches are leafless and the bush is apparently dead, people in the British Isles have attributed supernatural powers to witch hazel. It was believed that a twig of witch hazel, in the skilled hands of a high priest, could distinguish a criminal in a crowd. However, a more practical application of a flexible hazel twig was as a dowsing rod for locating water underground for digging wells. In fact, the word “witch” in the name of the plant comes from the Anglo-Saxon wice, designating a tree with flexible branches. (To be continued.)

SUPERSTITION. Since bridges are man-made structures, built to circumvent nature, many superstitions have grown up around them. While passing under a bridge, if a train passes overhead, place your right hand against the roof of the car and make a wish. It is also believed that if you say goodbye to someone while standing on a bridge, you will never see that person again. If you make a wish on one end of a bridge, then close your eyes, hold your breath, and sail to the other side, your wish will come true, but on the other side, you might fall off a bridge and you walnut !

Anil Deshmukh: CBI enters South Bombay clubs to look for dirt on Anil Deshmukh

The Central Bureau of Investigation (CBI) is looking into every nook and cranny to build its case against former Maharashtra Home Minister Anil Deshmukh. The first agency asked some of the tony South Bombay clubs, of which Deshmukh is a member, to share specific information related to his membership.

Clubs were asked to submit all documents related to Deshmukh membership along with receipts for payment of membership fees and unpaid dues paid in 2019, 2020 and 2021.

The notices were served on the clubs around mid-April – less than a fortnight after Deshmukh, a leader of the Nationalist Congress Party (NCP) led by Sharad Pawar, was arrested by CBI. “How did he become a member of the clubs? Who introduced him to the clubs? Who paid their dues? Was the money paid in cash? clubs oblige. They are looking for links. This could help CBI expand the scope of the investigation (linked to extortion allegations) and claim that as Minister Deshmukh he abused his office,” a source said.

According to notices issued under Article 91 of the Code of Criminal Procedure, the agency also requested any documents related to Deshmukh that the clubs may be in possession of. (Section 91, among others, deals with the authority of the officer in charge to request documents necessary for an investigation).

Deshmukh was arrested earlier this month in a bribery and criminal association case. CBI is also investigating Deshmukh for abusing his position as Home Minister of Maharashtra for allegedly awarding favorable posts to police officers for huge consideration paid to him via intermediaries.


PIL by former Chief of Police

The CBI also arrested Deshmukh’s personal assistant Kundan Shinde, personal secretary Sanjeev Palande and dismissed police officer Sachin Waze in connection with the case. Custody was sought to confront Deshmukh with the accused arrested on allegations of collecting money from bar and restaurant owners.

The agency’s investigation is based on allegations made by former Mumbai Police Chief Param Bir Singh in his PIL filed in the Bombay High Court. In his eight-page letter to Maharashtra Chief Minister Uddhav Thackeray, Singh alleged that Deshmukh ordered Waze to collect ₹100 crore every month, including ₹40-50 crore from some 1,750 bars and restaurants in Mumbai . The letter was part of the PIL filed by Singh.

Deshmukh is being questioned by several agencies, including the Directorate of Law Enforcement (ED) and the Department of Income Tax. Deshmukh was first arrested on November 2 by the ED. On December 29, the federal anti-money laundering agency filed an additional indictment in said case against Deshmukh, calling him a “primary mover” in the case. The indictment says Deshmukh demanded “good luck” money from the band bars and restaurants for their “proper operation”.

The investigation by the two agencies revealed that at least 13 companies, allegedly directly controlled by members of Deshmukh’s family, and at least 14, controlled by the family through close associates, were used to purported money management purposes. The ED attached assets worth ₹4.20 crore.

In ED’s second supplementary bill filed in February, reviewed by ET, the agency claimed that over ₹13 crore is believed to have been laundered by Deshmukh and his family members since 2011 – including 2.83 crore ₹ were laundered during his tenure of house. Maharashtra minister.

The indictment further states that the companies were allegedly launched by Deshmukh for accumulating unaccounted funds through interconnected transactions without any rational or underlying activity. “The Deshmukh family has worked as a monolith and all businesses are disconnected and intertwined and deeply involved in each other’s affairs,” the charge sheet adds.

In his statement to the ED, Singh reiterated the extortion allegations and also alleged that members of the Police Establishment Board (PEB) responsible for making recommendations for the assignment of all senior officers in the ‘State, were just a mere ‘rubber stamp’. and the name list was prepared in Deshmukh’s office.

The Who Kick Off North American Tour


The Who launched their The Who Hits Back! North American tour at the Seminole Hard Rock Hotel & Casino in Hollywood, Florida last night.

Roger Daltrey and Pete Townshend were again joined by a full-scale orchestra for two of the three separate sections of the 24-song set. The middle section found the band’s two surviving members playing as part of an electric quintet, then on their own for an acoustic performance of “Won’t Get Fooled Again”.

The full setlist and a series of live videos can be seen below.

“Pete and I said we’d be back, but we didn’t think we’d have to wait two years for the privilege,” Daltrey said when announcing the 29-date tour. “It makes the chance to play even more special this time around. So many livelihoods have been impacted due to COVID, so we’re thrilled to bring everyone together – the band, the crew and the fans.

Watch the Who Perform ‘Overture’

Watch the Who Perform ‘Pinball Wizard’

Look at the Who interpret “Who are you”

The first part of The Who Hits Back! The tour wraps up in Bethel, NY on May 28, before the band returns to perform in Toronto on October 2. The final twin shows take place in Las Vegas on November 4 and 5.

The Who – “I can see for miles and miles”

The Who – “Behind Blue Eyes”

The Who at the Seminole Hard Rock Hotel & Casino, 04/22/22 – Set List

With Orchestra
1. “Opening”
2. “1921”
3. “Amazing Journey”
4. “Sparks”
5. “The Pinball Wizard”
6. “We’re not going to take it”
7. “Who Are You”
8. “Forehead Eminence”
9. “Imagine a Man”
10. “Ground Zero Hero”
11. “Join”

Without Orchestra
12. “Replace”
13. “The Seeker”
14. “I can see for miles”
15. “The kids are fine”
16. “Won’t Get Fooled Again” (acoustic)
17. “Behind Blue Eyes”

With Orchestra
18. “The Cannonball and the Chain”
19. “The Real Me”
20. “I Am One”
21. “5:15”
22. “The Rock”
23. “Love, rule over me”
24. “Baba O’Riley”

Watch The Who perform “Love Reign O’er Me”

Watch The Who perform ‘Baba O’Riley’

2022 Classic Rock Tour and Festival Preview

More and more artists are returning to the stage.

The Queen’s secret £100million hobby she’s carried on since her ancestors


Many of us have hobbies that we enjoy from time to time. Some of us collect coins, sneakers, antiques, and even extremely obscure items.

Sometimes we can amass quite a large collection and you may never know they could be absolutely worth thousands of pounds in the future. Well, it turns out the queen has a hobby and has amassed a very valuable collection.

The Queen is the fifth royal to be added to the famous royal philatelic collection, following its inauguration by Queen Victoria’s son Prince Alfred in 1864. The prince sold his collection to his brother, the future King Edward VII, who at in turn gave to his son, King George V, then passed on to King George VI and finally to the Queen.

READ MORENetflix’s Cheapest New Plan Because It Introduces Ads

According to the Telegraph, experts have estimated his vast private stock to be worth in the nine figures. The lot included a Mauritius stamp worth £2million, which was featured in a traveling exhibition to celebrate the Queen’s Golden Jubilee in 2002.

Royal expert Phil Dampier told Fabulous Digital: “The Queen loves to show visitors her stamp collection, heads of state who stay at Buckingham Palace say. It’s one of her prides and joys. , not only because she owns some of the most valuable stamps in the world , but also because she relied on a family treasure and feels she has made her father and the previous monarchs who owned it.”

For many years there have been curators for the Royal Philatelic Collection since the 1800s. John Tilleard was the first to manage the collection from the 1890s until his death in 1913, with the title of ‘Philatelist to the King’ . Tilleard was followed by Edward Denny Bacon who became “curator” of the collection from 1913 until 1938, when he died just before retiring. He began to organize the collection comprehensively.

There is currently no curator of the collection following its transfer to Buckingham Palace. Since the virus pandemic, he has been left without visitors for some time.

Stay up to date with all the latest news and opinions on going out, parties, shopping and more with our Daily What’s On email update newsletter – and it’s completely free.

Unsecured consumer lender launches ABS


New York banker Liberty Lending is preparing to issue a $161.61 million asset-backed security (ABS) that uses unsecured consumer loans in the transaction, according to a pre-sale report from Kroll Bond Rating Agency released Wednesday.

Rahel Avigdor of KBRA, Senior Director; Eric Neglia, Senior Managing Director; and Brendan Buckley, analyst, wrote the report.

LL ABS Trust 2022-1 has a tranche of $116.1 million with an initial credit enhancement of 32.25% and is rated “AA” by KBRA; a tranche of $20.42 million with an initial credit enhancement of 20.25% and an “A-” rating; a tranche of $11.9 million with an initial credit enhancement of 13.25% and a “BBB-” rating and a tranche of $13.19 million with an initial credit enhancement of 5.5% and a “BB” rating.

The Notes will be secured by a certificate of trust backing the unsecured loans. May 4 is the trade date.

Founded seven years ago, Liberty Lending is an independent company that shares “common ownership with National Debt Relief,” KBRA said. This latest transaction is the company’s fourth rated securitization. Its managed portfolio has $451 million in outstanding loans.

LL ABS Trust 2022-1 has Wilmington Savings Fund Society, FSB as Owner Trustee, Grantor Trust Trustee and Registrar of Grantor Trust Certificate. The funding banks and originators are FinWise Bank and MetaBank, NA Wilmington Trust, NA is the Deed Trustee, Notes Paying Agent, Certificates Calculation Agent and Collateral Agent.

The average loan balance in LL ABS Trust 2022-1 is $15,368 and the weighted collateral interest rate is 21.21%. The initial weighted average FICO score is 577. The majority of loans – 88.66% – are “electronic loans” or “express settlement loans” to consumers enrolled in National Debt Relief’s debt settlement program. “The main purpose of e-lending is to speed up the debt settlement process,” KBRA wrote. They are fixed rate with an initial balance ranging from $3,500 to $75,000, KBRA said in the report.

The remaining 13.34% of loans are “C loans” or consolidation loans for borrowers with FICO scores of 600 and above. C loans are used for debt consolidation and balances range from $3,500 to $40,000 and have fixed interest rates of 5.6% to 31.79%.

No state represents more than 11% of the pool balance, but California (10.6%), Illinois (9.0%), Texas (8.4%), New York (8.4%) and Florida (7.2%) are the top five states represented, according to the report.

Is the interest you paid on a personal loan tax deductible?


Select’s editorial team works independently to review financial products and write articles that we think our readers will find useful. We earn commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.

There are many advantages when it comes to using a personal loan to cover a major expense. For one, personal loans tend to carry lower interest rates than credit cards, making them a more affordable option for borrowing money. Although each lender has its own funding limit, you can usually apply for up to $100,000, which should cover big expenses like surprise medical bills or an emergency home repair. Plus, the funds are usually paid directly into your checking account so you can use the money quickly and as needed.

Like any form of credit, personal loans must be repaid with interest and the longer your loan term, the more interest you will end up paying over the life of the loan. While the Internal Revenue Service generally allows individuals to claim a tax deduction on interest paid on student loan debt, you may be wondering if you can also claim a tax deduction on interest paid on a personal loan. .

The short answer is unfortunately no. Interest paid on personal loans is generally not tax deductible. If, however, you used a personal loan to fund college or business expenses, you may be able to deduct the interest paid on your taxes. According to Federal Student Aid websiteyou may receive a tax deduction for interest paid on a loan used for higher education, even if it is not a federal student loan.

One caveat to keep in mind is that personal lenders generally prohibit the use of funds for higher education fees, as student loans must follow additional stipulations that do not apply to regular loans. .

Under the Higher Education Opportunities Act 2008, lenders providing private education loans must special disclosuresoffer a 30-day cooling-off period, give borrowers the option to cancel within three days of disbursing funds, and cannot affiliate with schools, among other regulations loans for educational use must follow, it therefore, you are unlikely to find a personal lender who will allow you to use the funds for college-related expenses.

Using a personal loan for business expenses can be another gray area, as some lenders do not allow borrowers to use the funds for business-related expenses – interest on a business loan, however, are tax deductible. If you need to borrow more than $100,000 for business expenses, you better apply for a small business loan since personal lenders don’t tend to offer more than $100,000.

The best way to determine what you can and cannot use a personal loan for is to check the terms and conditions before applying and accepting it. Personal loans can typically be used to pay for anything from medical bills and home renovations to wedding and funeral expenses, or even be used for vacations or debt consolidation. As with any financial product, be sure to read the terms before agreeing to go ahead.

If you don’t plan to use a personal loan for education or business expenses and instead want to use it for, say, home repairs, be aware that you won’t be able to claim a tax deduction for interest, but that you will at least be able to have a ton of lenders and terms to choose from.

Select named LightStream as the best overall personal lender for its expedited approval process – you can receive your funds the same day as long as you apply on a bank business day, your application is approved, and you can electronically sign your loan agreement and verify your direct deposit bank account information before 2:30 p.m. ET. LightStream offers some of the lowest interest rates on the market, giving borrowers a 0.25% Annual Percentage Yield, or APY, off when they sign up for autopay. It also gives borrowers between 24 and 144 months to repay their loans.

LightStream Personal Loans

  • Annual Percentage Rate (APR)

    3.49% 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

If you are hoping to use a personal loan to consolidate your debts, Marcus of Goldman Sachs offers an option that helps make the process as easy as possible – using direct payments to send money to up to 10 creditors, ensuring the funds are used to clear your debt directly. You will need to provide the account numbers and addresses of your creditors, as well as the amount(s) you wish to pay. Marcus then deposits whatever remains into your connected bank account.

Marcus by Goldman Sachs Personal Loans

  • Annual Percentage Rate (APR)

    6.99% to 19.99% APR when you sign up for autopay

  • Purpose of the loan

    Debt consolidation, home improvement, wedding, moving and moving or vacation

  • Loan amounts

  • terms

  • Credit needed

  • Assembly costs

  • Prepayment penalty

  • Late charge

*The terms of your LightStream loan, including APR, may differ depending on the purpose of the loan, amount, term and your credit profile. Excellent credit is required to qualify for the lowest rates. The fare is shown with the AutoPay discount. The AutoPay rebate is only available before the loan is funded. Rates without AutoPay are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and conditions are subject to change without notice. Payment Example: Monthly payments for a $10,000 loan at 3.99% APR with a term of three years would result in 36 monthly payments of $295.20.

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.

The Harrison Collection: Discover Yorkshire’s treasure trove of antiques as owners search for a new home


In 2010 retired farmers Richard and Edward Harrison signed a long-term loan agreement with the Ryedale Folk Museum in Hutton-le-Hole and donated 10,000 antiquities dating from the Elizabethan era to form an exhibition permed.

Yet an indefinite display clause was never inserted and museum trustees have now decided to refresh the exhibits and have ‘evicted’ the Harrison collection, which is housed in a purpose-built room named in his honor. .

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The brothers, who used to keep their eclectic range of social history items in the attic of their remote farmhouse near Pickering before moving to a flat in Kirkbymoorside, now face a bill of thousands of pounds to store the collection if they cannot find another museum to accept it within the next four months.

One of the problems the brothers and their trustees face is that the collection is not provided with money or specialized display cases.

Only about a third is on public display and another 20,000 items are already in storage, including clothes worn 300 years ago.

Read more

Read more

Meet the three friends who converted an old kipper smokehouse into Filey’s…

Advising the Harrisons is Gill Garbutt, a friend of the family who remembers visiting the collection on the farm when it was housed in old shops, at the Beamish Museum.

“There was never agreement that the building would remain the living home of the collection, and the new trustees decided to implement other ideas, new displays and make more use of it. varied from space,” she explained.

Edward Harrison with a cricket bat from the early days of the game in the 1770s

“The brothers are now over 70 and it’s their life’s work. They started collecting when they were little, when their father bought them antiques as Christmas presents. They are real characters who can tell stories. history of each item.They had a private museum at their farm set up as little shops – but it just grew and grew.

“When they moved into their apartment, a trust was created and the museum gave them a dedicated space. If they had paid pepper rent, it wouldn’t have happened, but that clause was never there. The museum has every right to make that decision and the leadership has been very fair.”

The list of exhibits displayed in temperature-controlled display cases is extraordinary. There are many Victorian and Edwardian relics, and even a medieval wheel from a castle which is said to have been used by dogs whose motion turned the meat skewers. There are 19th century chocolate molds from Terry’s factory in York and old apothecary equipment from a pharmacy.

“We’ve had interest from a small museum in Knaresborough, so hopefully something will come out of that. The problem is the trust has no money and the collection doesn’t come with it, or even the It will cost the brethren thousands for We have to find a new place for him to go, and the public better be able to see him.

A letter bearing a ‘penny black’ – one of the first types of postage stamps

“It was popular with visitors, but it’s now been 10 years and the museum is moving with the times. It’s one of the largest collections in North Yorkshire and it’s the life and soul of the Harrisons.”

The Ryedale Folk Museum said: “The decision was taken by the trustees of the Ryedale Folk Museum last June (2021) not to seek renewal of the Harrison Collection loan after the end of the 10-year loan period on July 31, 2022 This decision was communicated to the trustees of the Harrison Collection Trust shortly thereafter, providing them with 13 months’ notice to make alternative arrangements.

“Since then there has been a short extension of the agreed loan, for practical reasons on both sides. The Highlights of the Harrison Collection exhibition, which has been on display since August 2012, will remain on view until August 31, 2022, with the objects to be removed from the museum site by the Harrison Collection Trust by the end of October 2022.

“The trustees of the Ryedale Folk Museum plan to use the exhibition building to showcase its own permanent collection through a program of temporary exhibitions. These exhibitions are likely to focus on ‘local life’ with different themes and stories about the region, although at this stage no specific program has been agreed.

Retired farmers Richard and Edward Harrison have spent their entire lives building their collection of historic artifacts

“Trustees assessed the future of the Harrison Collection against a range of factors. This included the Museum’s Collections Development Policy, which is a policy requirement of all accredited museums. This policy defines themes and priorities for future collection and streamlining The Trustees concluded that the Harrison Collection did not meet the criteria (including items on loan) as the majority of the collection does not relate to the area The Trustees also considered the impact on the museum’s storage, resources, care and conservation requirements and what the museum’s future goals are.”

Museum President Philip Holt added: “After a decade of displaying the Harrison Collection, we have decided that the loan should end as planned and that the collection should be returned to the Harrison Collection Trustees and Edward and Richard Harrison. We are privileged to have had the Harrison collection, but the trustees believe it is time to focus on the museum’s own collection and move forward with new projects.

“The last 18 months have been particularly difficult due to the public health crisis and although I am very optimistic about the future, the first priority is to secure the future of the museum. With this comes ambitions set out in a new ten-year strategy, which places greater emphasis on working with communities and local people My fellow trustees and I believe that the decision to return the loan from the Harrison Collection will help the museum open up new opportunities for growth and deliver greater benefit to the public.

“I would like to thank the trustees of the collection Harrison and Edward and Richard Harrison for the kind loan of their articles, and we wish them every success in their own plans for the future.”

What’s in the Harrison Collection?

– Elizabethan “roundel” plates

The entire collection consists of thousands of items, not all of which are on public display

– Jars, shelves and pharmacy equipment from an apothecary

– Terry’s of York Chocolate Molds

– Sets of 18th century bone alphabets used in schools

– Shop signs and content

– Clothes that have never been displayed

– Victorian tin cans and sugar bowls

– Washboard from Haddon Hall in Derbyshire

– Dog wheel of a castle

– An 18th century cricket bat

– The first postage stamps – known as “penny blacks”

A funerary urn from the 1500s

W. Dean Carlson | KWBG AM1590 | Boon, Iowa


BOONE, Iowa—With deep sadness we announce the passing of W. Dean Carlson, husband, father, grandfather, and devoted friend. On April 19, 2022, at the age of 92, he died peacefully with his children by his side.

On November 30, 1929, Dean was born in Boone, Iowa to his parents, Reuben and Dorothy Carlson. Dean met his wife Helen at a 4-H roller skating party. On November 2, 1952, they were married at First Presbyterian Church in Boone. They resided on the Carlson family farm until the death of his beloved wife of 68 years.

Dean was a member of the Mackey United Methodist Church and served as a township administrator for many years. He loved displaying his Christmas lights and on the 4th of July he enjoyed being surrounded by family and friends to watch his fireworks. Dean also enjoyed ballroom dancing (especially when his children could come) and playing the piano. He enjoyed gardening, model railroading, bird watching and stamp collecting in his youth.

Dean had a strong, direct and decisive personality with a deep love for his wife and family.

He is the father of Richard (Sharon) Carlson, Terry (Bill) Wilson and Reuben (Jan) Carlson. He is the grandfather of Sarah (Jeff), Matthew (Kelly), Hannah (Alex), Rebekah (Matthew), Michelle (Jason), John, Eric, Joshua, Joseph and Daniel. He is also the great-grandfather of Maria, Ana, Matthew, Jonathan, Ila, Violet, Hadley Harper, Mya, Addi, Bristol, Noah and Madelyn.

He is predeceased by his wife Helen, his son Scott Allen and his parents, Reuben and Dorothy Carlson. He will be greatly missed and will remain in our hearts forever.

Visitation with family present to greet friends will be from 5:00 p.m. to 7:00 p.m. on Sunday, April 24, 2022 at Schroeder-Stark-Welin Funeral Home. A private family funeral service will be held at a later date. Interment will be at Mackey Cemetery in Boone County.

Memorials are suggested to the Boone Area Humane Society or the Mackey Community Preservation Fund and can be sent to C/O Schroeder-Stark-Welin Funeral Home, PO Box 116, Boone, IA 50036.

Online condolences can be posted at www.schroederfuneral.com

Schroeder-Stark-Welin Funeral Home, 609 7th Street, Boone is assisting the family with these arrangements.

Dean Carlson, 92, Boone, Iowa

Artists Linda Stein and Mil Lubroth offer a study on femininity, homosexuality and otherness


Group exhibitions are usually organized around an explicit theme or feature artists from similar regions, art movements or eras. The two artists who hold Seen/unseen: Linda Stein and Mil Lubroth, currently on view at the Maison de la culture, did not know each other and shared no obvious connection, but are thematically and aesthetically related. It’s rare and refreshing to see an exhibition that deviates from a straightforward curatorial vision, and the lack of apparent connections provides a unique insight into the work of both artists.

The introductory text on the wall gives useful information about these artists who are probably unknown to a wider audience. Linda Stein is an artist, educator and activist whose work often focuses on her sexual identity and femininity. Mil Lubroth was born in the United States but lived and worked in Spain for much of her life until her death in 2004, drawing on the mix of cultures and visual references she found there. Both were American Jews and often worked against the grain, devoting themselves to their own unique artistic explorations, which often went against what was fashionable in the art world at the time. Their work reflects a sense of otherness and forges its own path.

A quick look at the works in the Culture House gallery reveals that both artists used the human figure as their subject, but the forms are somehow obstructed. There are no labels on the wall to mark titles or who created which work, further blurring the lines between bodies of work and creating another form of concealment. Despite this, it is immediately apparent that two distinct points of view are being presented. Lubroth depicts body silhouettes, which are richly textured and covered in multiple layers of serigraphs and paint. Almost all of Stein’s work shows facial profiles, cropped so that the eyes cannot be seen.

Although there is no text to explain each work, a voiceover by Stein plays in the gallery, along with a slideshow of his additional works. His monologue describes the obsessive measures that go into his renderings of facial profiles, growing up gay at a time when homosexuality was classified as a mental disorder, and how his artistic creation is a therapeutic and relaxing practice. Her words offer an intimate view of the person behind the art and give a different cast to her otherwise beautiful and harmless portraits.

A work by Stein, “Profile Landscape,” is painted on a page torn from a brainwave book, eerily echoing Stein’s thoughts on how homosexuality was classed as a disease at the time she realized these paintings. Watching “Profile of Virginia Woolf,” which features Stein’s profile motif rendered with a marbled ink effect, it’s impossible to shake her depiction of being depressed as she struggled with her sexuality.

Mil Lubroth; Detail, Bailadora de Andalucía a propósito by Ortiz Echagüe, serigraph painted on newsprint, mounted on cardboard; 40 x 30 inches; 1960-1990; With the kind authorization of the Maison de la culture

Lubroth, too, is influenced by the history of the excavations, stating once in a interview, “scratch the surface in Spain and you will always find a Jewish-Arabic culture beneath Western culture with its Catholic rituals.” Her feminine silhouettes stand in front of or parade in front of backdrops composed of architectural elements or glued elements like postage stamps or woven paper. A somewhat hazy serigraph of a woman looking over her shoulder is flanked by bright Islamic motifs in “Bailadora de Andalucía a propósito de Ortiz”.

Throughout the exhibition, the works of each artist are grouped together in their own sections of wall space, but face each other, in conversation. Although the couple have never met, they make suitable companions in this exhibition space, and although they have both worked on themes of isolation, they present a united front here. These two eternally forgotten artists can now be seen with fresh eyes, side by side.

Seen/unseen: Linda Stein and Mil Lubroth short through May 14 at Culture House, 700 Delaware Ave. SW. Open Saturday from 11 a.m. to 2 p.m. or by appointment. culturehousedc.org. Free.

Who qualifies for student loan relief under Biden’s huge new income-based repayment expansion


Yesterday, the Biden administration announced a sweeping new initiative to expand income-contingent reimbursement programs. This effort will significantly expand the pool of borrowers eligible for student loan forgiveness.

According to the Department of Education, at least 40,000 student borrowers will receive immediate and automatic student loan forgiveness. And another 3.6 million borrowers will accelerate their progress toward eliminating student loans altogether.

As with many federal student loan relief programs, the new initiative is somewhat complicated. Here’s who qualifies and what borrowers need to do.

Key elements of Biden’s new student loan forgiveness initiative through income-based repayment

Income-Based Repayment (IDR) describes a set of plans – which include Income-Based Repayment (IBR), Pay As You Earn (PAYE) and others – that tie a borrower’s monthly payment to their revenue. After 20 or 25 years of payments (depending on the plan), any remaining balance is canceled, although this could potentially be treated as taxable income for the borrower depending on when the cancellation actually occurs. According to the original IDR rules, only time spent on repayment under specific IDR plans can count towards student loan forgiveness.

IDR plans are also a mandatory component of the Public Service Loan Forgiveness Program (PSLF), which can eliminate a borrower’s federal student loan debt in as little as 10 years if they devote their career to work. nonprofit or government. However, the Biden administration recently announced a temporary initiative called the Limited PSLF Waiver which, for a limited time, expands the type of repayment plans eligible for the PSLF.

As part of new changes to the IDR announced this week, the Biden administration will significantly expand eligibility for student loan forgiveness under the IDR:

  • The Department of Education will make a one-time adjustment to borrowers’ accounts to allow all prior repayment periods, including repayments under non-IDR plans, to count toward the loan waiver period. 20 or 25 year IDR loan from a borrower.
  • The Department of Education will make a one-time adjustment to borrowers’ accounts to allow past forbearance periods of 12 or more consecutive months, or 36 months of cumulative forbearance, to count toward the cancellation term. of a borrower’s 20 or 25 year IDR loan.
  • The Department of Education will make a one-time adjustment to borrowers’ accounts to allow past deferment periods (excluding school deferments) prior to 2013 to count toward the IDR loan forgiveness period of 20 or 25 years of a borrower.

As part of this initiative, the Ministry of Education will also be able to count payments made before loan consolidation – a huge benefit for borrowers, given that under the original IDR rules, the Consolidation restarts the clock on a borrower’s repayment term.

The Department will implement many of these changes automatically. And in many cases, borrowers won’t have to take any action to receive relief. But in some cases they will.

Borrowers Eligible for Immediate and Automatic Student Loan Forgiveness Under IDR Changes

According to the Department of Education, 40,000 or more borrowers may be eligible for immediate (or near-immediate) automatic student loan forgiveness under this initiative. “Any borrower whose loans have accrued a repayment term of at least 20 or 25 years will receive automatic forgiveness, even if you are not currently on an IDR plan,” the Department of Education says in statements. guidance released this week.

Borrowers who are not eligible for immediate and automatic student loan forgiveness through the IDR changes may nonetheless see their progress toward loan forgiveness progress significantly as a result of the changes, bringing them ever closer to cancellation of their student loans. The Ministry of Education has indicated that it will start publishing IDR payment tally and progress reports for borrowers by next year.

Borrowers Eligible for Immediate Student Loan Forgiveness through PSLF Following IDR Changes

Thousands of borrowers are also eligible for immediate student loan forgiveness through the Public Service Loan Forgiveness Program (PSLF) under the new IDR changes if, for example, past forbearance periods counted under this new IDR initiative pushes them beyond the 120 payment threshold required for PSLF relief.

“If you have 12 or more months of consecutive abstention or 36 or more months of cumulative abstention, you will receive PSLF credit for those periods if you certify qualifying employment,” the Department of Education said in a published guidance. this week. This relief will be granted automatically. However, borrowers who have not certified their employment for these periods should do so. You can start with the Ministry of Education Online PSLF Help Tool.

Borrowers should also learn more about the requirements of the new Limited PSLF waiver for more details. While the limited PSLF waiver did not include a forbearance waiver, the new IDR amendments do.

Borrowers with shorter forbearance periods may need to submit a dispute

While the Department of Education will automatically count past abstention periods of 12 consecutive months or more, as well as 36 cumulative abstention months, shorter abstention periods fall into a bit of a gray area.

According to the Department, borrowers who wish to have shorter past forbearance periods count towards their IDR repayment term may need to submit a formal dispute to the Department’s department. FSA Ombudsman and successfully argue that they were improperly steered towards forbearance during this period, rather than an IDR plan. FSA officials will make decisions on a case-by-case basis.

FFEL borrowers may need to consolidate

While borrowers with loans from the FFEL (Commercially Issued and Government Supported Federal Student Loans) program can benefit from the IDR reforms, the Ministry of Education said these borrowers should first consolidate their loans through the Federal Direct Consolidation Loans Program. . “If you have FFEL loans held for business purposes, you can only benefit from the IDR account adjustment if you consolidate before we finish implementing these changes, which is estimated no earlier than January 1, 2023. “, said the Department.

Normally, consolidation erases any progress toward a borrower’s repayment term and restarts the clock on payments eligible for loan forgiveness. But under the IDR changes, “any repayment time before consolidation of consolidated loans” will count, the Department explains.

Further Reading on Student Loans

Biden administration announces sweeping fixes to income-based repayment and student loan forgiveness programs

Will student loan repayments really resume? Probably Not For A While – Here’s Why

Forgiveness of student loans through executive action still on the table, says top Biden official

4 options for Biden to legally enact student loan forgiveness without Congress

SoLVBL Solutions signs a referencing agreement with Jet Digital


SoLVBL Solutions Inc. (CSE: SOLV) (OTCQB: SOLBF) (“SoLVBL” or the “Company”), an innovative cybersecurity company that provides proprietary data authentication using advanced cryptography on a SaaS model , is pleased to announce that it has entered into a mutual referral agreement with Jet Digital Inc. (“Jet Digital”), a Vancouver, British Columbia company.

Through this agreement, SoLVBL undertakes to refer its customers to Jet Digital for the sale of their JetStream data transfer software. Jet Digital agrees to refer customers to SoLVBL for the sale and licensing of their Q by SoLVBLMT data validation and cybersecurity products.

SoLVBL plans to rapidly roll out new cybersecurity and data authentication products in 2022, and SoLVBL’s collaboration with Jet Digital ensures that all of its new cybersecurity products will be able to reach a wider customer base in North America and Europe. Jet Digital plans to aggressively market its proprietary JetStream data transfer software in North America, Europe and Asia, and its collaboration with SoLVBL will allow JetStream to reach a much wider audience in North America.

“SoLVBL constantly strives to be a market leader, developing and integrating the latest features and advances in cybersecurity and data authentication for its customers in financial services, digital payments, evidence management system solutions for law enforcement and the healthcare industry for their digital medical records systems,” said Kaiser Akbar, President and CEO of SoLVBL. “Through our partnership with Jet Digital, we are excited to “Now offering our cybersecurity and data authentication platform to JetStream customers and partners, increasing our market opportunities.”

“We are thrilled to partner with a market leader like SoLVBL. Through this partnership, we will be able to sell our state-of-the-art data transfer software, JetStream, to SoLVBL partners and customers,” said Mike Devine. , President. from JetDigital. “The partnership will allow us to generate reciprocal revenue through the sale of both companies’ advanced technologies.”

You can authenticate your data before use by Q by SoLVBLMT. Q by SoLVBLMT lets you create Trust, Fast.

If you have data worth tampering with, it’s worth protecting with Q by SoLVBLMT.

About Jet Digital Inc.

Jet Digital is a Vancouver-based technology company. Jet Digital offers a better way to move files quickly. With experience converting Hollywood blockbusters to 3D, Jet Digital understands the importance of transferring data quickly and securely to collaborators around the world. Jet Digital developed JetStream when other products could not meet its need for a simplified yet powerful high-speed file transfer solution.

SoLVBL Solutions Inc.

SoLVBL is an innovative cybersecurity and data authentication company. The company’s mission is to enable better and faster decisions by developing a universal standard for establishing the authenticity of digital records. Q by SoLVBL™, is the Company’s proprietary technology platform, designed to be easy to use and adopt, cost-effectively priced and provide ultra-high-speed digital record authentication. Q by SoLVBL™ enables organizations to establish trust in their data. The Company is currently focusing on the following verticals: digital evidence chain of custody; including, NG-911, data used in the financial sector, medical applications and critical IoT infrastructure.

For more information, contact:

SoLVBL Solutions Inc.
Kaiser Akbar, President and CEO
100 King Street West, Suite 5700
Toronto, Ontario M5X 1C7
Email: kaiser.akbar@SoLVBL.com

Caution Regarding Forward-Looking Information

The CSE has neither approved nor disapproved of the content of this press release.

NEITHER THE CSE NOR ITS MARKET REGULATOR (AS THAT TERM IS DEFINED IN THE CSE POLICIES) ACCEPTS RESPONSIBILITY FOR THE ADEQUACY OR ACCURACY OF THIS RELEASE. CAUTION REGARDING FORWARD-LOOKING INFORMATION: This press release contains “forward-looking information” and “forward-looking statements” (collectively, “forward-looking statements”) within the meaning of applicable Canadian securities laws. All statements, other than statements of historical facts, are forward-looking statements and are based on expectations, estimates and projections as of the date of this press release. Any statement involving discussion of predictions, expectations, beliefs, plans, projections, goals, assumptions, future events or performance (often, but not always, using phrases such as “expects “, or “does not expect”, “is expected”, “anticipates” or “does not anticipate”, “plans”, “budgets”, “expects”, “expects”, “estimates”, “believes ” or “intends” or variations of these words and expressions or indicating that certain actions, events or results “might” or “could”, “will”, “could” or “will” be expected to occur or be achieved ) are not statements of historical fact and may be forward-looking statements. Forward-looking statements are necessarily based on a number of estimates and assumptions which, while believed to be reasonable, are subject to known and unknown risks, uncertainties and other factors which may cause actual results to differ. and future events differ materially from those expressed or implied. by such forward-looking statements. These factors include, but are not limited to: the Company’s ability to successfully achieve its business objectives, including the implementation and success of Q by SoLVBLMT, and expectations regarding other economic, business and/or competitive factors. There can be no assurance that forward-looking statements will prove to be accurate, as actual results and future events could differ materially from those anticipated in such statements. Accordingly, readers should not place undue reliance on the forward-looking statements and information contained in this press release. Except as required by law, SoLVBL assumes no obligation to update forward-looking statements of beliefs, opinions, projections or other factors, should they change, except as required by law.

This press release does not constitute an offer to sell or a solicitation of an offer to buy any of the securities described in the United States. The securities described herein have not been registered under the United States Securities Act of 1933, as amended (the “United States Securities Law”), or any state law on securities and may not be offered or sold in the “United States”, as such term is defined in Regulation S promulgated under the United States securities law, unless it is registered under of United States securities law and applicable state securities laws or that an exemption from such registration requirements is available.

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/120866

CFPB UDAAP Consent Order for Student Loan Servicers


The Consumer Financial Protection Bureau’s (CFPB) focus on ensuring loan servicers’ compliance with the implementation of the Public Service Loan Forgiveness (PSLF) program continues. On March 30, 2022, the CFPB entered into a Consent order with student loan servicer EdFinancial Services, LLC, to settle CFPB allegations that EdFinancial engaged in deceptive acts and service practices related to the PSLF. The consent order sends another signal to student loan servicers that the CFPB intends to increase its oversight of student loan servicer practices, particularly with respect to misrepresentation to borrowers.

In the consent order, the CFPB argues that EdFinancial misled borrowers as to their eligibility for loan forgiveness under the PSLF program. EdFinancial has neither admitted nor denied the allegations contained in the consent order and released a statement indicating that it entered into the consent order to avoid protracted and costly litigation with the CFPB. The consent order includes a civil penalty of $1 million and requires EdFinancial to develop a compliance plan addressing the issues raised in the consent order.

Under the PSLF program, student borrowers who work in eligible government jobs may be eligible for loan forgiveness. The PSLF program is available to borrowers with Federal Direct Loans – student loans made directly by the U.S. Department of Education.

The CFPB’s findings in the consent order largely focus on representations made to Federal Family Education Loan Program (FFELP) borrowers about their eligibility for the PSLF. The CFPB specifically highlighted five types of misrepresentation:

  • False statements that FFELP borrowers could not receive the PSLF;

  • False statements that FFELP borrowers could not consolidate their loans into a direct consolidation loan;

  • False statements that FFELP borrowers made payments to PSLF before consolidating their loans into a direct consolidation loan;

  • False statements that borrowers in certain jobs were not eligible for PSLF; and

  • Failure to inform FFELP borrowers that the PSLF was a potential loan cancellation option.

The CFPB concluded that these actions violated the Unfair, Deceptive or Abusive Acts or Practices (UDAAP) prohibitions of the Financial Consumer Protection Act of 2010.

In its press release regarding the consent order, the CFPB noted that the consent order “highlights a systemic problem with loan servicing” of service officers “lying” about cancellation programs and repayment of loans to “fill [their] bottom line. The CFPB press release further warns repairers that “additional monitoring” by the CFPB is coming. These comments echo the CFPB’s warnings to student loan servicers in their Summer 2021 Watch Highlights And subsequent Newsletter February 2022 that the CFPB believed that managers were misleading borrowers about the eligibility of their PSLF loans. The Ministry of Education also sent a letter to FFELP services pointing out issues with the CFPB consent order – which the Department of Education says are not unique to EdFinancial – and noting that it joins other federal and state officials in pursuing its “accountability and oversight efforts”.

The CFPB has also been active in reforming the PSLF criteria, making it accessible to more borrowers and setting expectations that loan servicers will adapt their policies and procedures to ensure that eligible borrowers receive program information. In October 2021, the Department of Education issued a limited waiver that allows borrowers to receive credit for past repayment periods that would otherwise not be eligible for PSLF. To be eligible for the PSLF, student borrowers who did not have a direct federal loan — such as borrowers with a loan made under the FFELP — must first consolidate their student loans into a direct consolidation loan. In February 2022, the CFPB followed the extension of the PSLF by the Ministry of Education with a newsletter reminding managers of their responsibilities to ensure that borrowers receive accurate information about the program – and warning them of the potential consequences of UDAAP should they fail to meet these obligations.

The CFPB warnings coincide with an increase in consumer complaints to the CFPB about student loan servicing. While complaints had dropped in 2020 and 2021 during the pandemic, the first three months of 2022 saw a 67% increase in complaints over the first three months of 2021. With the federal suspension of student loan payments set to lift in September 2022 (if not extended again), complaints may increase even further later in 2022. When payments restart, student loan servicers face the significant challenge of helping borrowers resume payments after a pause of more than two years, which has the potential to lead to a myriad of problems.

Next steps

The CFPB’s consent order and related comments are further markers of the trend toward increased scrutiny of student loan servicers. Student loan servicers should expect increased scrutiny from the CFPB and prepare accordingly. All student loan servicers should act now to review their practices and procedures, with a view to avoiding misrepresentations that the CFPB could target. Although the Consent Order specifically addresses misrepresentation in the context of the FFELP Loans and the PSLF – and FFELP Loan Servicers should pay particular attention to the factual findings of the CFPB in the Consent Order – past comments and Shares indicate that the CFPB focuses more broadly on misrepresentation in the service.

© 2022 Bradley Arant Boult Cummings LLPNational Law Review, Volume XII, Number 108

Watch: Expo 2020 Dubai passports are on sale for up to Dh9,000 – News


When Khaleej Times approached one of the sellers, he agreed to reduce the selling price to Dh8,000

Published: Mon 18 Apr 2022, 13:09

Last update: Mon 18 Apr 2022, 04:43 PM

Goods and passports with stamps from Expo 2020 Dubai are sold online for thousands of dirhams.

Advertisements placed by vendors now offer the coveted passports – which were being sold for Dh20 during the event – for anywhere between Dh2,000 and Dh9,000. The six-month show ended on March 31 and had more than 24 million views.

The 50-page passport booklet contains drawings and images of the three themed pavilions (Mission Possible – The Opportunity Pavilion, Alif – The Mobility Pavilion, and Terra – The Sustainability Pavilion), as well as Al Wasl Plaza – the crown jewel of the Expo Site – as well as other Dubai landmarks, such as the city’s iconic skyline.

A seller has listed two regular Expo passports and a limited-edition white passport on the Dubizzle classifieds site for Dh9,000. All three passports are believed to be in pristine condition, inside and out, and bear 217 stamps in total. When approached by Khaleej Times, the seller agreed to reduce the selling price of the passports to 8,000 Dh.

Another seller, offering to sell his Expo passport for Dh2,500, claims the document has only been used a few times and is “perfect upside down”. Another seller offers an Expo passport with 20 stamps for 2,000 Dh – but not without a warning: this one has some wear.

It’s not just passports that seem to be in high demand after the world’s biggest show closed its doors more than a month ago. Souvenirs and accessories, such as Expo pins, passport holders and lanyards, are also up for grabs on the hugely popular TikTok app (see video below):

A TikTok user who goes by the name @nerveegent claims his friend sold a passport for Dh1500. “It’s a business for those with disposable income,” he says.

A statement from Dubizzle was expected at the time of this report’s filing; however, the classifieds website advises users never to transfer money or financial information to any seller on the Internet. “For your safety, all transactions must be done in person,” it says.


Khouloud Azouz, a Lebanese citizen living in the United Arab Emirates, also listed her passport on the website for Dh2,500. “There is a fine line between a souvenir and a good investment. It is good that the passport has value; [we] You might as well take advantage of it and use it to get a return on investment.”

The resident says she has a “beautiful badge” from the closing ceremony of the mega event, which she intends to keep as a souvenir. The passport she put up for sale features 33 flag stamps from different countries. “If it makes money, I drop it,” she says.


English holidaymakers could be forced to pay a tourist tax to travel to Wales


Plans are in place to introduce a tourism levy in Wales to raise funds for councils to run services and infrastructure at holiday hotspots. In February, the Welsh government announced that a consultation on the tourist tax would be launched this autumn.

If implemented, councils can choose whether or not to introduce a tourist tax. However, Ashford Price, membership secretary for the Welsh Association of Tourist Attractions, fears this could make the country’s holiday industry less competitive as Britain continues to battle the cost of living crisis.

As reported by North Wales LiveMr Price said the idea was “incomprehensible” to the many tourism businesses still recovering from the Covid pandemic and now facing rising energy, fuel and food costs. He added: “Even more critical for Welsh tourism, Britons are set to experience the biggest drop in living standards since the 1950s, with £1,200 in extra household spending and a drop in real income of more than 3%. So, for some families, their future Welsh holidays are already uncertain.

READ MORE: Tourists could be fined £250 for taking their shirts off in Spain

“All the other decentralized territories have considered the idea of ​​a tourist tax. The most recent was Scotland. Ultimately, they all scrapped the idea due to the potential damage to their tourism industries.

“If this Welsh visitor’s tax materializes, how many of our potential customers will just vote with their feet and go to Devon or Ireland or Scotland rather than pay another tax at a time when they are trying to meet a cost live crisis personnel?

Visitors to Wales spend an average of £8m a day, making tourism the country’s second largest industry. Mr Price said a quarter of all VAT-registered businesses are in the visitor economy.

He explained: “Wales has a lot to lose if this tax is put in place. We should certainly encourage tourists to come to Wales, not tax them for coming!

“Wales has a lot to lose if this tax is put in place. Surely we should encourage tourists to come to Wales, not tax them to come!

The Welsh Government has said visitor taxes will be used to benefit local communities and businesses. A spokesperson said: “We will consider all views as part of the consultation process this fall. The careful process of developing levy proposals, translating them into legislation, and then delivering and implementing them. work spans years and will be subject to approval by the Senedd.

Popular European destinations like Spain have local tourist taxes. For example, visitors to Benidorm and the Costa Blanca will now pay up to two euros per night in hotels, campsites and hostels, which could add an extra £94 for a family of four on a two-week holiday.

Similarly, cruise ship passengers will also be subject to a fee. The goal is to help stations recover from the pandemic.

However, Mr Price said comparisons with Wales were ‘misleading’ as the VAT rate for tourism businesses in Britain is 20%. In many EU destinations it is only 10%.

He added that the structure of Wales’ tourism structure is different to that of many of its EU rivals. Day trippers form the majority of its clientele, but they contribute relatively little to the tourism economy.

“France has 433 million overnight tourists and Spain 471 million overnight tourists,” he said. “Wales has just 34 million bed nights.

“Overnight tourists in Wales spend an average of around £190 a day, while day visitors only spend around £30. So surely we should be encouraging overnight stays, not imposing an additional tax on tourists supporting the Welsh economy by staying the night? »

Prime Minister Mark Drakeford has said a tourism tax can benefit industry by increasing investment in visitor facilities such as toilets and car parks. He also said it would also help ease the burden on local ratepayers who currently fund these facilities through municipal taxes.

But Mr Price believes a tourist tax will penalize local communities for job losses and affect the plans of people wishing to holiday in their own country. “I don’t think the Welsh realize that this tax will hit them so hard in the pocket,” he said.

“As an example, hen and stag parties who stay overnight in Tenby will have to pay this tax, as will anyone Welsh staying in a hotel or caravan park. Young people in tents will have to s In fact, this tax is likely to hit the lower incomes of many Welsh people far more than tourists staying in £350 per night accommodation, who won’t mind an extra £15 on their bills.

Best Tilt Adjustment Monitors of April 2022


This list is for the best tilt adjustment monitors. We’ll do our best to make sure you understand this list of Best Tilt Adjustment Monitors. I hope you like this list Best Tilt Adjustment Monitors. So let’s start:

Quick List of the Best Tilt Adjustment Monitors

Old computers were used for data processing and televisions were used for entertainment. Today, computers and laptops are used for both work and entertainment, and they play an important role in communication, socializing, and keeping up with world news as well as happy times. in the lives of our family and friends that we don’t have the opportunity. see this often in real life. What a big change! Vertical monitors allow developers to see more code. Some developers try to compensate for the large tilt by splitting the screen into two horizontal monitors.

While this may work, it reduces the amount of space available for other open programs. A vertical display in your setup will definitely come in handy if you’re a software developer, coder, or work with a lot of textual content. On top of that, if you’re keen on keeping up with video content trends or you’re a photo editor, you’ll also be looking for vertically oriented displays that are worth every penny and a pleasure to use or use. Gamers can have great advantages or none at all depending on their tastes and traditional consumer video editors will do a lot of good with a landscape screen.

Check out the list of best monitors with adjustable tilt

LG 34GP83A-B

The LG 34GP83A-B is an excellent ultrawide gaming monitor. It has a large curved screen that offers incredible immersion when gaming and plenty of room to work. It has a fast response time, low input lag, and can throttle its refresh rate from 144Hz down to 160Hz for smoother and more responsive gameplay.

Viewing angles are decent, perfect for casual content sharing or cooperative gaming; however, there is some loss of image precision when viewed from the side, so it may not be ideal if you need to share work that requires precision. Unfortunately, while it does get bright enough to easily overcome glare, it’s not enough to deliver a true HDR experience.

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HP 24mh Full HD Monitor

The 24mh is an attractive monitor, with a silver gray bottom bezel and nearly invisible top and side bezels, maximizing screen real estate and making it a good choice for a multi-monitor setup. The back of the monitor and stand are matte black; the vertical axis of the support emerges from the compact base to connect with the cabinet.

The 24mh features a 23.8-inch IPS (In-Plane Switching) display with Full HD (FHD) resolution, also known as 1920 by 1080 pixels or 1080p. At this resolution and screen size, the pixel density hits 93 pixels per inch (ppi), which is fine for general use, though a bit low for tasks like pixel photo editing near.

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HP FHD IPS Monitor with Tilt Adjustment and Anti-Glare Panel

The HP 32 inch fhd ips monitor has multiple ports that allow you to easily connect to your laptop or desktop computer. This sleek design conveniently houses an HDMI and VGA port, allowing for quick and easy setup. See your media come to life in rich, vibrant color with IPS technology.

From vacation photos to movies and games, everything is displayed in stunning detail thanks to IPS technology and 99% sRGB color accuracy. Home entertainment reaches new heights on a spacious 80 cm (31.5 inch) diagonal screen. Maximize immersion while watching movies and multitasking with multiple windows on a full-size screen.

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MSI 24″ FHD 1500R

As for all the important specs, the maximum screen resolution is 1920 x 1080 pixels, the refresh rate is 144Hz, and the response time is 1ms. This is an MSI 1080p monitor and it can run at 144Hz. This gaming monitor weighs 11.23 pounds; it’s important to know if you’re taking it to live events or college. The color of this monitor is black.

Screen size, also known as viewable image size (VIS), is the physical size of the area where videos are displayed, not the monitor casing itself. The size of a screen is the length of its diagonal, which is the distance between opposite corners, usually in inches.

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MSI Optix MAG270VC2 FHD 1800R

The MSI Optix MAG270VC2 is a gaming monitor that offers 1800R resolution, making it ideal for gamers who want to better see on-screen details and clearly distinguish their targets. This one-of-a-kind display also boasts an impressive 144Hz refresh rate, ensuring the fastest frames per second possible without causing motion blur or ghosting in fast-moving scenes.

The MSI Optix MAG270VC2 is a monitor that offers a 2165Hz refresh rate and includes FreeSync technology, so you can game without tearing or stuttering issues. It also comes with an 80% NTSC color gamut display that will help ensure the best possible picture quality for those intense gaming sessions at 4K or higher resolution.

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MSI PS321QR Creator 32

The top and side bezels are only about 1/4 inch thick, the plastic casing is an understated matte gray, the stand is an unassuming cylinder with a hint of silver on top, and everything is finished with a vibe. inspired brush strokes. light ring on the back that curves around the stand attachment point and alternates between different colors when the monitor is in use.

In terms of I/O, you get a DisplayPort 1.2, two HDMI 2.0 ports, a USB Type-C port for display output; an upstream USB Type-B port that powers a hub containing three USB Type-A ports and an SD card slot; and an audio combo jack that can be used to power the microphone and headphone ports that are also built into this hub.

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MSI Optix MAG342CQR 1500R

Although the RGB LEDs on the monitors are a controversial feature, the ones on this screen don’t look too dazzling; it’s rather subtle. It sits on the back of the screen and runs inside a circular pattern with rainbow technology. It should be noted that this is a curved monitor with 1500R curvature which is a plus for gamers as it creates a better gaming ambience.

The MSI Optix MAG342CQR features a very slim and sleek 3-sided borderless bottom bezel, which follows the current monitor trend and gives it a modern look. It also has an easy to install stand with a number of adjustments including height, tilt and swivel, with swivel being truly rare to see on ultrawide monitors in this price range.

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MSI Optix G273QPF

The MSI Optix G273QF is great for gaming. It has a high refresh rate of 165Hz with FreeSync support and G-SYNC compatibility. The response time is exceptional resulting in minimal motion blur, and it also has extremely low input lag. Unfortunately, it’s not an ideal choice for darkroom gaming, as its low contrast ratio results in blacks that appear gray.

It’s also a good choice for co-op gaming thanks to the IPS panel’s wide viewing angles, but that comes at the cost of a lower contrast ratio, which makes black appear gray. It has good peak brightness and good reflection management, so visibility shouldn’t be an issue in most well-lit rooms.

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Final Words: Best Tilt Adjustment Monitors

I hope you understand and like this list Best Tilt Adjustment Monitors, if your answer is no, you can ask anything via the contact forum section linked to this article. And if your answer is yes, please share this list with your family and friends.

How to Choose the Best Personal Lender


Personal loans are offered by banks, credit unions and online lenders. Several options are available, but not all are worth considering. More importantly, some lenders offer more attractive personal loan products than others. Lenders will also offer applicants different rates depending on the financial situation of the potential borrower.

To find the best personal lender for you, you need to shop around and evaluate the types of loans offered by each lender. You’ll need to consider APRs, fees, and the overall experience you can expect as a customer to make an informed decision.

Why it’s important to shop around for lenders

It’s essential that you shop around with multiple lenders to ensure you get the best deal on a personal loan. If you settle for a loan with the first lender you find, you could get a significantly higher interest rate than you would get elsewhere. You could receive a monthly payment that stretches your budget and you could pay several hundred or thousands of dollars more in interest over the life of the loan.

Many lenders allow you to get pre-qualified online in minutes. You can view loan estimates without impacting your credit score and compare them to other personal loans you are considering. This can help you find the cheapest loan.

What factors to use to evaluate lenders

When comparing personal loan options, you want to assess the reputation of the lender as well as the interest rates and fees they charge. It is also important to consider the types of loans offered, as some may not be suitable for you.

Loan APR

The interest rate, or cost of borrowing, is generally determined by your credit score and the term of the loan. Lenders tend to advertise a low interest rate to attract customers. However, the lowest rates are usually reserved for customers with excellent credit. A good credit score could also get you competitive interest.

If you have less than perfect credit, you can expect to pay more interest. So, you should look for lenders who consider other factors, like your work history or education, to have a better chance of getting a personal loan with a competitive interest rate.


Does the lender charge an application, origination or prepayment fee? Depending on how much you borrow, these costs can add up quite quickly, even though they are built into the loan.

To illustrate, suppose you get three quotes for a $10,000 loan. The first lender charges an origination fee of 8%, while the other two charge 6% and 2% respectively. You’ll pay $800, $600, or $200 plus principal and interest, depending on the personal loan you choose.

Many lenders offer personal loans with no application or set-up fees and won’t charge you a penalty if you repay your loan early. But these aren’t the only fees to consider – review the fee schedule to determine how much the lender charges for late or returned payments.

Don’t let fees disqualify a certain lender, though. In some cases, the loan fees could be lower even if you have to pay a fee.

Client experience

What are the opening hours of the lenders you are considering? Are they available by phone, email or chat? Can you visit a physical location for assistance? These are just a few questions to think about when evaluating lenders to determine if they are easily accessible.

Types of loans offered

Do you have a specific goal for the loan or will you use the funds to get back on track financially? Lenders generally do not limit how funds can be used. However, personal loans are either secured (or require collateral for approval) or unsecured. They also come with a fixed rate that remains constant or a variable interest rate that changes over time, and many are marketed for a specific purpose. Common categories include:

  • Loans for bad credit are offered by lenders to customers with past credit problems
  • Debt consolidation loans allow you to pay off multiple debts with a new loan, usually with a lower interest rate, and streamline the repayment process by making one monthly payment
  • Emergency loans are designed to cover unforeseen expenses and last-minute financial emergencies
  • Home improvement loans are used to make costly improvements to your home without tapping into the equity you have accumulated

How to choose the best lender for you

Ultimately, the answer of the best lender for you comes down to the reputation of the lender and the loan terms they offer. Although your credit score and general financial history determine whether you qualify for a loan, you want to get quotes from several lenders and assess the interest rate and fees. It is also important that the lender has a track record of providing exceptional customer support to past and current customers.

Before applying for a loan, analyze the numbers to make sure you are making an informed decision. Higher loan origination fees do not mean the lender is not worth considering, especially if the interest rate is low and vice versa. A personal loan from a lender that is not reputable or offers disappointing customer service could be even more expensive.

With some research and time, you can sort through the best personal lenders to find the best one for your situation.

Russia invades Ukraine, the country prepares for a major Donbass offensive


Note: This message contains graphic images.

The worst thing I have seen since arriving in Kyiv almost a month ago is said to be the body of a man that we were shown in a backyard in Borodianka, northwest of Kyiv.

We were taken to the site by the owner of the house, who had fled the city in the early days of the war. She returned as the invading troops retreated, only to find her home had been ransacked by Russian soldiers.

Behind her garden shed, she showed us a man, with a bag over his head, his hands tied behind his back and his pants pulled down, exposing his underwear and his badly bruised leg.

He had a bullet wound to the head and a single casing still lay next to his body.

He appears to have been tortured and executed by Russian soldiers, although we don’t know for sure what happened to him.

At that time we had already seen the now infamous mass grave of Bucha, but the image of this man stuck with me – I find the individual more relevant than the collective. It is easier to compartmentalize, to dissociate a group from the humanity from which it has been despoiled.

A bit of context: Borodyanka was home to 13,000 people before the war, but most fled after the Russian invasion. What remained of the city, after heavy shelling and devastating airstrikes, was then occupied by Russian forces, which intervened on February 28. The city returned to Ukrainian control on April 1.

Read more about what CNN reporters witnessed in Ukraine here:

The most rock n roll weekend ever this Saturday and Sunday


The stars have aligned to give the Hudson Valley the most rock n roll weekend ever. “The Emperor of Rock n Roll” Richie Scarlet and “The Ayatollah of Rock n Rolla” Chris Jericho will perform back-to-back concerts at Poughkeepsie.

Richie Scarlet and wrestling superstar Chris Jericho will perform at the Chance Theater on Saturday and Sunday night respectively.

Night 1: “The Emperor of Rock n Roll” Richie Scarlet

Richie Scarlet makes his long-awaited return to La Chance this Saturday, April 16.

Photo by Ethan Miller/Getty Images

Photo by Ethan Miller/Getty Images

A little about the emperor

Richie Scarlet is a Hudson Valley resident, residing in Millbrook NY. In addition to recording and performing with Ace Frehley of Kiss, he has also performed with the late Leslie West and Mountain, Sebastian Bach of Skid Row, band members Alice Cooper, Chubby Checker and many more.

An invitation from the emperor of rock n roll

About the show

The show, dubbed “The Richie Scarlet Story”, will feature the Richie Scarlet Band (Richie on vocals and guitar with Louie Spagnola on guitar, Russ Wilson on drums, young rocker Kelly on bass and Peter Galinari on keys) with special guests: Black 13 (hard-hitting rock n roll from Boston), Raising Caine and The Barj Project. Doors 7 p.m., show 7:30 p.m. this Saturday night at The Chance in Poughkeepsie.

Tickets are only $15 and are available on Chance’s official website here and out the door this weekend.

Attachment – The Richie Scarlet Story Leaflet

It’s always a party when the Emperor comes to town. You never who will show up. Be sure to step out this Easter weekend and get ready for a rock show like no other! Be sure to stop by the merchandising table and see Toni Cesiro for your Richie Scarlet t-shirts, CDs, brand new 8×10 glossy prints and other cool stuff including guitar string bracelets by Created with Love Boutique. Richie will be at the table after the show to sign photos and take pictures.

Hangin with the Emperor back then. Photo credit: Rutigliano Archives

Hangin with the Emperor back then. Photo credit: Rutigliano Archives

Night 2: Fozzy with “The Ayatollah of Rock n Rolla” Chris Jericho

Getty Images

Kevin Winter/Getty Images

Although he once said he would never return to Poughkeepsie again, former WWE Superstar and current AEW wrestling Chris Jericho returns to Poughkeepsie this Sunday, April 17 (Easter Sunday) when his band Fozzy does a return to The Chance.

A bit about Fozzy

Heavy metal band Fozzy was formed in Atlanta, Georgia in 1999 by vocalist Chris Jericho and guitarist Rich Ward. The group has released seven studio albums over the years. Jericho once described the band as Wrestling voice radio, like “If Metallica and Journey had a bastard child, it would be Fozzy.” Being a huge fan of 80s metal, I can appreciate the band Fozzy and their sound. Their early albums featured covers of many favorites like Dio, Krokus, Twisted Sister, Iron Maiden, Motley Crue, Judas Priest, Black Sabbath, Scorpions, WASP and Accept. The band’s latest album Judas was released on Century Media Records in 2017.

An invitation from the Ayatollah of Rock n Rolla

Chris Jericho and Fozzy return to The Chance on their Fozzy Saves 2022 World Tour on April 17, 2022. Tickets are on sale and available through the Chance box office and ticketweb.com. Get more information on the official Chance Theater website here.

Chris Jericho has been known to occasionally hang out after the show, so you might just get the chance to chill with the rock n wrestling legend.

Photo credit: Rutigliano Archives

Photo credit: Rutigliano Archives

So step out this weekend to experience the most rock n roll weekend ever! It’s happening at The Chance in Poughkeepsie. And it will probably never happen again.

2022 Classic Rock Tour and Festival Preview

More and more artists are returning to the stage.

I’ve been paying off my student loan for 37 years, but now I’m making $11,000 a year


How to get out of student loan debt

Getty Images/iStockphoto

Question: I have a 1984 student loan that I defaulted on. I am 72 years old and paid by deduction in my Supplemental Security Income (SSI) benefits. My annual income is only $11,000. It becomes difficult to decide whether to repay the loan or buy food and medicine. After 37 years, is there a way to cancel or waive this loan?

To respond: It’s undoubtedly painful to face decades of student loan repayments and feeling like you still haven’t made enough progress, but the pros say there are things you can do. The first thing to know is that your loan payments probably shouldn’t be deducted from your Social Security at this time. Indeed, the government stopped garnishing tax refunds or garnishing wages until six months after the payment suspension was lifted (now scheduled to lift on August 31). As such, Leslie Tayne, Founder and Managing Director of Tayne Law Group, said, “I would absolutely contact the duty officer and find out what’s going on.” (Note that while today’s low student loan refinance rates may be tempting, those with federal loans probably do. do not want to deny because it deprives you of federal protections; however, readers with private student loans may want to refinance – see the lowest student loan refi rates you could qualify for here.)

And there are other avenues you can take to better control your student debt, like enrolling in an income-based payment plan and pursuing a possible settlement.

Income-Based Repayment Plans for Federal Student Loans

“My optimistic assumption from reading their question is that this borrower is not currently in default on the loan,” says Andrew Pentis, Loan Expert and Certified Student Loan Advisor at StudentLoanHero. “That’s great because then they could still be eligible to enroll in one of four income-based reimbursements (IDR) plans designed to keep monthly expenses very low in relation to income. People with very low incomes can get payments as low as $0 on these plans, but note that you must have a federal loan to apply for IDR.

Have a question about getting out of a student loan or other debt? Email chill@marketwatch.com.

Since this 1984 loan is older, the borrower may need to consolidate it with the federal government into a direct consolidation loan to claim the IDR, according to Pentis. “But it’s quite easy to undertake. It’s best to talk to your federal loan officer over the phone,” he says, adding that studentaid.gov is improving its website “but it’s still not foolproof.”

Look for a settlement

Borrowers with past federal or private student loans in default may consider trying to negotiate a student loan settlement. But you’re at the mercy of your lender, according to Anna Helhoski, student loan expert at NerdWallet.

“Federal student lenders will require your loans to be in or near default to enter settlement negotiations, but that’s not the kind of thing you should be trying to force,” she says. “There is no guarantee that your lender will negotiate and you will damage your credit and face other punitive consequences as a result.”

Typically, federal student loan settlements aren’t common because the loan holder can get your money through tax refund garnishment or wage garnishment, according to Helhoski. . “Private student loan settlements are also difficult to obtain,” she says.

She adds: ‘But you may be able to settle them if you are in financial difficulty, have defaulted more than once or if they cannot garnish wages or have your tax refunds garnished. This is a potentially extreme option for borrowers to pursue debt settlement, but it may be the only way to get rid of old overdue debt that is weighing them down.

Take stock of your endgame

“I wish I could press a button on a time machine to talk to this borrower 20 years ago and put him on the path to forgiveness,” says Pentis, who acknowledges that looking forward, and not backwards, is the key to building a better financial foundation. “For this borrower, a zero student loan balance isn’t their goal and probably isn’t a realistic option,” he says. “It’s about keeping their monthly dues under control, so they can afford everything they really need to live on.”

Leverage a high-growth, low-rated tech game

  • Trading ahead of analysts’ annual pre-tax profit forecast of £2m, up from £1.1m in 2020/21
  • Net cash of £25m (150p per share), compared to £22.6m at 30 September 2021
  • Strong forward order book extending beyond 12 months

Maldon-based semiconductor chip designer and manufacturer CML Microsystems (CML:380p) is reaping the rewards of powerful age-old drivers in its end markets. Following the strategic divestment of its solid-state storage division, CML is a pure-player in the fast-growing industrial communications market. Specifically, it supplies ICs to distributors and system integrators (Cobra, Hytera, Icom, Kenwood, Orbcomm and Sepura are all customers).

CML not only leverages its position as a key supplier to many Tier 1 equipment manufacturers globally, but is also well funded to accelerate growth in a market that exhibits secular growth megatrends. The main drivers are the growing demand for data to be transmitted faster and more securely, the upgrading of telecommunications infrastructure and the growing prevalence of private commercial wireless networks for Internet-related voice and data communications. industrial objects (IIoT). In data-centric markets, higher data throughput from terrestrial and satellite communications applications is required to meet the needs of growing machine-to-machine (M2M) and IIoT market segments.

CML’s addressable market is worth $1 billion (£768 billion) and includes a number of key growth areas in the coming years: critical infrastructure (utilities, smart grid, RF identification (RFID)); 5G (repeaters, small/picocells, fixed wireless access, distributed antenna systems, smart meters); and satellite communications (terminals, broadband access).

To address these multiple growing markets, CML has expanded its semiconductor product portfolio by adding narrowband applications operating at the lower end of the radio spectrum. Unlike broadband, these applications use fixed-location, short-range wireless applications such as RFID, remote keyless entry devices for commercial vehicles, or narrowband IoT focused on indoor coverage, low cost, long battery life and high connection density. The acquisition of a third-party design house, PRFI, was instrumental in expanding product offerings and addressable markets.

PRFI is an approved third-party design company for several major global semiconductor companies and has an impressive list of customers that includes BAE Systems, Huawei, Inmarsat, National Semiconductor, QinetiQ, Samsung, Sony Semiconductor and Thales. PRFI was acquired not only for its expertise in microwave and millimeter frequencies, including broadband applications for high throughput applications, but also to accelerate the time to market of new products. It is doing just that by launching a new SµRF family of high-frequency, high-bandwidth ICs targeting RF and mmWave frequencies in emerging markets such as 5G, satellite and IoT. The first orders have already been received from users new to vehicle tracking and smart grid applications.

Importantly, CML’s diverse, blue-chip customer base includes some of the world’s leading commercial and industrial product manufacturers, and its customer spread and product line diversity helps protect the company from cyclicality generally associated with the semiconductor industry. Additionally, CML’s proprietary intellectual property, reputation for quality and reliability, and single-source status mean that once its chips are engineered into a customer’s product, it rarely loses a contract given the significant product redesign required for the client to operate elsewhere.

Additionally, CML works closely with its customers throughout the product development cycle to reduce time to market and reduce future sales cycle risk. In effect, this “one stop shop” offering is an extension of the customer’s own engineering team. CML uses a combination of outsourced manufacturing and in-house testing, employing 147 people, 40% of whom are engineers, in operations in the UK, Asia and the US.

Currently, a high proportion of sales come from professional mobile radios (the network of choice for police, ambulance services, military and other critical infrastructure markets) and data-centric wireless applications ( critical infrastructure, public services, smart grid). 5G infrastructures (base stations, small cells, distributed antenna systems) and satellite communications represent a smaller part of the mix, but their contribution is expected to increase in the coming years.

Age-old growth engines are driving revenues and profits higher. CML outperformed full-year profit estimates previously updated by property broker Shore Capital and is well positioned to boost pre-tax profit by 25% to £2.5m on 11-year rise in revenue. % of £17.6 million in the new financial year. On this basis, the shares are rated on an attractive cash-adjusted forward price-earnings (PE) ratio of 15 and offer a forward-looking dividend yield of 2.8%. A recently announced £3m share buyback program is another bright spot.

CML also has hidden value on its balance sheet, owning valuable unencumbered investment properties near Chelmsford as well as the former Microsense facility in Portsmouth which is leased to a third party. These properties were last valued at £3.78million, a valuation well supported by rental income of £0.34million. In addition, the unencumbered property and 29 acres of excess land at the Maldon headquarters has a book value of £4.5million, less than half of its estimated open market value.

I launched the cover, at 400p, earlier this year (Alpha Report: “Take advantage of semiconductor megatrends”, February 4, 2022), and see the potential for nearly 50% of the stock price up from my target price of 550p. To buy.

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Promotion: Subject to stock availability, books can be purchased at the promotional price of £10 each plus £3.25 postage and packing, or £20 for both books plus £3.95 postage and packaging.

They include case studies of companies in Simon Thompson’s low-cost equity portfolio, outlining the investment characteristics that have made them successful investments. Simon also highlights many other investment approaches and stock screeners he uses to identify small cap companies with investment potential. Content details can be viewed at www.ypdbooks.com

How a white supremacist explaining white supremacy to a white supremacist changed my mind about Tucker Carlson


Amy Wax and Tucker Carlson (Screenshot/Twitter)

Editor’s note: The following article is an editorial, and the opinions expressed are those of the author. Read more opinions on the Grio.

I want to apologize to Tucker Carlson.

First, there may be a perception that I hate Tucker Carlson when in fact I really like him. I love how he disguises his Caucasian-smelling brand of white nationalism when he demonizes diversity. I love the arrogant way he frowns and wrinkles his nose when he portrays black women like Ketanji Brown Jackson, Joy Reid and Cori Bush as stupid, even though they are more educated than him. I like the seriousness with which he explained why blanks were not “designed” live with immigrants.

I even like to say his first and last name, as if the fact that cable’s highest-rated news program is hosted by a privileged but mediocre private school, a sockless moccasin named “Tucker” on a network of Information that doesn’t make current news isn’t a fitting enough analogy for America’s brand of white supremacy.

Nikole Hannah-Jones teaches Chris Wallace about white people

As far as I know he never burned a cross on anyone’s lawn or called a black person the N word. I have no evidence that he owned slaves or lynched a black person . And that’s why I love it. Without people like him on TV every night arguing against immigration, racial equality and diversity, we might begin to believe that America is not a racist country.

I thank God for Tucker Carlson.

And this other white lady named Amy Wax.

I could describe disgraced Penn law professor Amy Wax as a female version of Tucker Carlson, but she didn’t really dishonor herself when she said that black students generally aren’t as smart as white people. . If you don’t know Amy Wax, all you need to know is that she looks a bit like John Cleese, and if Tucker Carlson was slightly smarter, slightly more educated, and preferred to camouflage his racist white genocide theory under the cover of “Western values”, it would be Amy Wax. To be fair, when Wax said the disparities in wealth and employment were due to “different crime rates, different average IQs,” Tucker Carlson probably ovulated a bit.

Of course, when the sweater-vest white supremacist invited JK Rowling’s more evil twin on his show to chat about whatever they were going to talk about, it was like a dog whistle Caucasian doll.

“Anyone who says anything about groups or race or different populations that would in any way upset someone who is a minority – probably in many cases here because of affirmative action – that person must be punished,” Wax said, explaining cancel culture to an affirmative action recipient who walks, talks and has never been cancelled. “It’s all about hiding the fact that some groups are more competitive than others, that there’s this academic achievement gap that hasn’t gone away.”

And that wasn’t even the good part!

But before I get to the good part, let me explain this so-called “achievement gap” that Dorothy Zbornak’s disavowed racist sister will keep lying about.

Whiteness Isn't American: Ginni Thomas and the Secret Plot to Destroy the Country

The average nonwhite school district receives $2,266 less per student than a majority white school district, according to EdBuild. While that may seem like a small statistic, the National Center for Education Statistics, which publishes education statistics nationwide (I want to be clear in case a Fox News watcher sees this) reports that 59% of black children and 60% of Hispanic children attend schools where three out of four students are non-white. In comparison, only 6% of white children attend these schools which are—and this is the important part—statistically underfunded. The reason privileged racists like Wax and Tucker Carlson think the achievement gap proves black people are stupid is because they have never attended these schools!

After Wax explains that universities are abandoning “everything associated with white values, with European achievements [or] Western Civ,” Tucker Carlson asked why this shouldn’t be considered vandalism, to which Tethered Theresa May responds:

I think there’s just a huge amount of resentment and shame from non-Western people against Western people for the outsized accomplishments and contributions of Western people. I mean, it’s really unbearable. I was actually – you know, leaving out black Americans, who I think feel this resentment and this shame and this envy. I mean, it’s this unholy brewing of feelings.

I was talking to Glenn Loury about this bizarre fact that Asian, South Asian, and Indian doctors at Penn Med, some of whom I know people there and I know what’s going on there, are on the ramparts of the anti-racism initiative for the dump on america, america is an evil and racist place. They are immigrants.

It totally changed my perception of Tucker Carlson.

I still believe Carlson is a racist AF. But this conversation helped me understand where people like him and Cruella de Vanilla come from. They really cannot understand why people whose lives have not been substantially affected by white supremacy would want to stand up against white supremacy. Caring about their compatriots is such an abstract notion that, rather than believing 400 years of facts, data, studies and the voices of non-white people around the world, they prefer to believe that it does not exist.

You Have a Dream, I Have These Hands: The Secret History of Nonviolent Resistance

Either they have led lives so privileged that they cannot even begin to conceive of the well-documented racial terrorism, intentional oppression and systemic inequality that has manifested itself in every crevice of American society, or they are as stupid as rocks. And, yes, it’s possible that Tucker and the lady who should be hired as a zombie stuntwoman for Carol de The Walking Dead are incredibly stupid, but I can’t believe they are so stupid. They have shown the ability to walk and talk, and I assume, without proof, they can read the mountains of evidence pointing to the very real effects of white supremacy.

Also, if they were as abjectly stupid as they seem, then the fact that they graduated from colleges and were hired by white people would actually prove systemic white supremacy which they say is a fever dream. collective and international. And if millions of people watched two stupid but racist people on prime time television, it would prove just how racist America is. So either they’re the most gifted and dumbest people I’ve ever seen or they’re so privileged they can’t understand the world that exists for those of us whose lives haven’t been enveloped in the indestructible deflecting shield of whiteness. Before the racist Golden Girl and Bull Connor of cable news opened their lipless mouths, I couldn’t even imagine such a thing could exist.

Either they are incredibly stupid, incredibly prejudiced, or incredible liars.

But she’s right, though. I have a lot of resentment, shame and envy. I don’t like the fact that I had no idea white people could just declare a country or culture to be “first world.” I’m ashamed I looked at Amy Wax’s face and thought she’d be like, “Tell Cersei that was me.” I’m envious of having so many Caucasian drops that I had to layer a cashmere v-neck over a blue Brooks Brothers shirt. I have never been angry or jealous or envious of the mediocrity or apathy or relentless insecurity needed to build an entire empire out of bigotry, tilt it to whiteness and then complain about people who have to move up the ladder.

If this clip isn’t nominated for a sci-fi award or honored as one of the greatest achievements in the history of intellectually bankrupt Americans, I’ll be furious. But, of course, we all know that won’t be the case.

And for that, I apologize.

Michael Harriot theGrio.com

Michael Harriot is a writer, cultural critic and Spades Championship player. His book, Black AF History: The Unwhitewashed Story of America, will be released in 2022.

TheGrio is FREE on your TV via Apple TV, Amazon Fire, Roku and Android TV. Please download theGrio mobile apps today!

A dictator’s son is running for president of the Philippines in a bid to rekindle his family’s power


The story could come full circle in the Philippines next month.

Decades after the overthrow of dictator Ferdinand Marcos in a popular uprising who laid bare the brutality and widespread corruption of his regime, his son is about to revive the the family’s political fortunes in the presidential elections next month.

In the race to replace incumbent President Rodrigo Duterte, the latest polls show that 64-year-old Ferdinand “Bongbong” Marcos Jr. retains a significant lead, albeit slightly down. While Duterte, 77, cannot legally seek re-election, his daughter is running for vice president alongside Marcos.

But the prospect of a Marcos restoration ignites passions. Proponents see it as a vindication, and opponents see it as an attack on the country’s fragile democracy.

The elder Marcos was “capable, brilliant, cunning, utterly rapacious”, says historian Joseph Scalice. However, “what remains in popular memory is corruption and theft,” he says. “But in the end, the Marcos administration – his military rule – was brutal.”

Marcos took office in 1965, imposed martial law in 1972 and did not officially lift it until almost a decade later, in 1981.

Scalice says the Marcos era saw the warrantless arrests of 70,000 people, the deaths of almost 4,000, the stifling of free speech and the persecution of political rivals.

Martial law covered rights abuses and kleptocracy

After nearly 21 years in power, Marcos’ rule crumbled with stunning speed in 1986 as popular discontent boiled over. The generals of the army revolt and millions of Filipinos marched through the streets. The embattled president’s longtime ally, the United States, has called on him to step down.

Under pressure from all sides, Marcos gave up the presidency and fled to Hawaii with his wife Imelda and their family.

Corazon “Cory” Aquino, the widow of slain Filipino opposition leader Benigno Aquino and leader of the Peaceful People Power Revolution, became president.

Former first lady Imelda Marcos, famous for her lavish shoe collection, recalled stuffing ‘diamonds in diapers’ in the rush to escape on a US Air Force plane .

During what has been described as their marital dictatorship, the first couple allegedly stole between $5 billion and $10 billion. The Philippine government has clawed back some $3.4 billion of the couple’s ill-gotten wealth and is continuing to collect.

Marcos, considered a kleptocrat, died in Hawaii in 1989. But his widow returned to the Philippines in 1991, an undiminished force in the family political apparatus. She was elected to the Philippine House of Representatives four times and unsuccessfully sought the presidency in 1992, all the time longing for her family’s return to power.

“I miss the weight of being first lady…I miss the weight that you can do so many things in,” she said in an interview for the 2019 documentary the kingmaker, confess that she always wanted her only son to follow in his father’s footsteps footsteps and become president.

Now, at 92, she can get her wish.

Son hopes to rewrite Marcos’ legacy

Since his return from exile, the young Marcos has held an elected post as governor in the family fief of the province of Ilocos Norte. He served as a congressman and senator, compiling what critics say is an undistinguished legislative record. In 2016, he lost a close contest for the position of vice president.

He is campaigning for president as a “unifying” candidate, even though critics say his family has not apologized – or properly explained – for his past behavior.

In an effort to rewrite the past, Marcos narrates polished videos that portray his parents as philanthropists and his father as a great innovator, avoiding any mention of human rights abuses or theft from the national treasure.

Scalice says that the revisionist effort, aided by lies and misinformation, can thrive because Filipino high school textbooks never taught the crimes of the martial law era.

“It’s always kind of glossed over the personal excesses of the Marcos couple, Ferdinand and Imelda, and Imelda is remembered not for her brutality, but for her shoes,” he says.

Such mythmaking glorifies a time of tyranny and corruption in which Marcos the Son was as invested as his parents, says Scalice. The danger is not that Marcos Jr. will bring back martial law, he says – rather that “a brutal dictatorship is being rehabilitated and brought back into Filipino life”.

Social media and online influencers help restore family image

The Marcos seem to enjoy of “a vast network” of anonymously run social media accounts and online influencers, says Gemma Mendoza, who oversees misinformation coverage for Philippine news platform Rappler. Maria Ressa, CEO of Rappler, won the Nobel Peace Prize last year. The influencer network seeks to advance the “family makeover” and “alter public perception,” Mendoza said.

Their conspiratorial content, followed by millions, vilifies Marcos’ rivals and the mainstream media, she says, hounding and intimidating reporters covering the campaign.

“It’s very worrying for democracy, for freedom of the press, because the press bears the brunt of it,” Mendoza said.

None of the twelve online influencers NPR contacted agreed to be interviewed.

Historian Manuel Quezon says the Philippines is part of a global trend where extreme views find favor with voters, while fueling anti-democratic impulses. He says the Marcoses don’t publicly support such accounts, but he says the phenomenon has been a boon to the family’s political fortunes.

“Think Q-Anon, but Filipino style,” he says.

Marcos Dog Tax Matters

Meanwhile, the Philippines Bureau of Internal Revenue recently confirmed that it served Marcos Jr. with a tax notice last December. in connection with his father’s estate.

Former Supreme Court Justice Antonio Carpio, who is supporting current Vice President Leni Robredo’s candidacy for president, said the latest formal notice is just the latest of several sent over the past two decades and that Marcos showed a “deliberate refusal” to pay. Twenty-five years ago, the Supreme Court ruled that 23 billion pesos ($442 million) was owed. Carpio says with interest and penalties, tax liability likely ballooned and the Marcos heirs should be prosecuted for non-payment.

In a statement last week, Marcos spokesman Victor Rodriguez blasted Carpio for “lies, hatred and black propaganda”, saying the estate’s properties had been confiscated “for the benefit of the government in settlement of tax due land”.

Former BIR President Kim Henares, who served from 2010 to 2016, told NPR that during her tenure she chose not to bring criminal charges because she determined that the Marcos family would deploy a battery of lawyers, and the case would absorb all the resources of his firm.

The Marcos campaign did not respond to NPR’s request for comment on this or any other issue.

Marcos leads a counter-revolution

According to Manila-based political analyst Richard Heydarian, Marcos effectively exploited discontent with the governments that followed his father’s rule. Successive administrations have not, as promised, narrowed the gap between rich and poor or eradicated corruption, he says.

While average income has increased over the years, the Philippine Statistics Authority says nearly 24% of Filipinos, or 26 million people, lived below the poverty line in 2021, a result exacerbated by the pandemic.

Five years ago, 86% of Filipinos had less than $10,000 in wealth.

Heydarian says that many Filipinos are disillusioned and nostalgic, and a considerable number over 50 “try to convince their children and grandchildren that – ‘Hey, if we go back to the Marcos era, that was the golden age was the time of strength, innocence and political savvy.'”

Marcos promised to improve health care, expand educational opportunities and fight climate change.

But having dinner at a fish market in Manila, Jeffrey Zorilla, 39, a freelance actor, says it’s the warm memories his parents have of the eldest Marcos that appeals to him.

“Bring back the life we ​​had before,” he says, when “the peso was strong.” He says, “Marcos did that.”

As for martial law, her parents told her that it instilled “discipline”.

US-China tensions weigh on election

While his father’s loyalty to the United States was indisputable, Marcos Jr. lives in a world where the American-Chinese rivalry presents geopolitical stakes of another order, and which weigh on the Philippines.

Beijing’s extensive claim to most of the South China Sea angers its smaller neighbors, including the Philippines.

Wide margins, Filipinos say they distrust China and want Filipino interests to be defended. But Marcos says he is inclined to walk away from a historic Hague court ruling favoring the Philippines over China and its claim to much of the South China Sea. This position distinguishes it from its four main rivals, which are much more intransigent vis-à-vis China.

Scalice says the Filipino business community that backs Marcos wants him to lean towards Beijing.

“They fear that if they get too close to Washington’s military maneuvers or Washington’s diplomatic pronouncements, they will alienate China and lose their economic opportunities,” he says.

Scalice calls it an “untenable balancing act”. Whether Marcos is the one to weigh in will depend on his rivals and their ability to rally against the brand he offers.

Analyst Robert Herrara-Lim says the chances of that happening in the May 9 election are “low but not negligible”.

If disgruntled voters start thinking that Marcos “didn’t hold himself accountable,” he says, they might start saying, “You know what? Maybe he’s not the guy for [this] Office.”

Ella Mage contributed to this story from Manila.

Copyright 2022 NPR. To learn more, visit https://www.npr.org.

DFI and DATCP Host Student Debt Relief Workshop: How to Avoid Scams, Use Free Repayment Tools and Save Money



the Wisconsin Department of Financial Institutions (DFI) and the Wisconsin Department of Agriculture, Commerce and Consumer Protection (DATCP) announced that they are hosting a free online student debt relief workshop on April 21. The workshop will help student borrowers prepare for the end of the federal student loan payment pause, which one to Biden Administration recently extended from May 1 to August 31.

“With student loan repayments resuming in September, it’s more important than ever for borrowers to explore their student loan repayment options and develop a repayment plan today,” said Cheryll Olson-Collins. , designated secretary of DFI. “Borrowers should take the time now while payments are still on hold to review repayment options such as income-driven repayment plans, which can lower monthly payments, and verify their eligibility for student loan forgiveness. It is important not to wait until the last minute to make a plan and this will help ensure a smooth refund return.

“As student loan repayments resume, borrowers should watch for dishonest offers of loan forgiveness or consolidation savings from debt relief scammers,” said DATCP Secretary Randy Romansky. “Borrowers with questions should attend this informational workshop to learn about the many resources consumers can access without paying a fee.”

Join the “Student Debt Relief Workshop: How to Avoid Scams, Use Free Repayment Tools, and Save Money” on April 21 from 6-7:30 p.m. by registering for free here.

During this workshop, student borrowers will learn about current student debt relief scams to avoid and how to use the free service. Wisconsin Student Loan Repayment Tool, created by Savi. Savi’s student loan experts will answer questions about student loan repayment and explain how their tool can help borrowers navigate the complexities of federal student loan repayment plans, forgiveness programs, and loan repayment reductions. student loans. Using Savi’s tool can help borrowers lower their monthly payments and optimize their repayment plans. On average, users of this tool save $156 per month and realize lifetime savings of $28,308. Student borrowers can find additional free repayment resources on DFIs LookForwardWI.gov website.

DFI and DATCP encourage student borrowers to create a repayment plan now to ensure a smooth return to repayment and to beware of fraudsters who take advantage of this transition period. Borrowers with questions are encouraged to call the Wisconsin Student Loans Hotline at (833) 589-0750 or contact Federal student aid. Student borrowers who have been scammed should report it by file a complaint onlineby emailing datcphotline@wisconsin.gov or calling the DATCP Consumer Protection Hotline at (800) 422-7128.

Uzbekistan and Kazakhstan send humanitarian aid to Ukraine – The Diplomat


Crossroads Asia | Company | Central Asia

Both Kazakhstan and Uzbekistan have sent planes loaded with humanitarian aid – mainly medicine and food – to Ukraine.

On April 8, over 34 tonnes of humanitarian aid – mainly medicine, first aid kits and food – arrived in the Zakarpatska region in western Ukraine, also called Transcarpathia, from Uzbekistan. Aid from Uzbekistan joins a stream of aid flowing to Ukraine from a number of humanitarian aids hubs established by the European Union in the countries located on the western border of Ukraine.

The head of the Zakarpatska region, Viktor Mikita, thanked the Uzbek government and the Ukrainian ambassador in Tashkent, Mykola Doroshenko, for making help possible. Doroshenko became ambassador to Uzbekistan in 2020, having served as ambassador to Kyrgyzstan.

As the war in Ukraine approaches its seventh week, pledges and aid shipments continue to pour in from approximately the world. Central Asian countries have largely tried to maintain a neutral position at the official diplomatic level, for example by abstaining (or avoiding) the vote in early March to condemn the Russian invasion and by voting against the expulsion of Russia from the UN Human Rights Council last week. But at the same time, Kazakhstan and Uzbekistan have strongly expressed their support for the territorial integrity of Ukraine. The humanitarian aid the two countries have sent further underlines the sympathy for the plight of Ukraine.

The first batch of humanitarian aid from Kazakhstan was sent in mid-March, with a government press release noting that Nur-Sultan intended to send 82 tonnes of medical aid. On March 14 and 15, two planes carrying just over 28 tonnes landed in Katowice, Poland from Almaty. Additional planes arrived later in March, including on a March 28 which carried 17 tons of bedding and food. Kazakh planes that arrived with help in Poland usually returned to Almaty with repatriated Kazakhs evacuated from Ukraine.

The largest aid transfers from Kazakhstan come with clear government stamps, while aid from Uzbekistan is said to be a public initiative with government support. Aid from Kyrgyzstan, for its part, appears more clearly rooted in civil society, with national NGOs and aid groups collecting aid to send to Ukraine and individuals who send money in the besieged country.

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Meanwhile, much of Europe and the United States are sending various types of military aid. According to Policy, more than 25 countries have joined in the effort to fund Ukraine’s war effort, buying and delivering weapons. These range from Stinger anti-aircraft missile systems and Javelin anti-tank missiles from the United States to thousands of rounds from Spain, Canada, Germany, etc. Countries providing military aid are largely confined to Europe and North America (except Australia, South Korea, Japan and Turkey), while those sending humanitarian aid cover the whole world.

Humanitarian aid – medicine, food and clothing – is essential, but makes a different political statement than sending bullets.

Horses to watch at the Newmarket Craven meeting


Mark Howard, Racing TV pundit and author of Ahead On The Flat as well as One Jump Ahead, identifies a handful of horses to watch at Craven’s meeting this week.

Foxtrot (Roger Varian)

4.10 Newmarket, Tuesday – bet365 European Breeders’ Fund Maiden Fillies’ Stakes

Cheveley Park Stud have a strong three-year-old squad for the new campaign led by the undefeated Inspiral. The Newmarket-based operation has six Classic generation horses in training with Roger Varian, including the unreleased FOXTROT.

A filly from Le Havre, she is a half-sister to 97-ranked Bashkirova, who won three of four for William Haggas last season. Unable to race as a juvenile due to a slight setback, she pleased her trainer during the winter and is considered “a very fine filly”. She was declared to make her maiden debut in the one mile fillies on Tuesday (4.10).

The Carlburg Stables team won the same event four years ago with Listed winner Qazyna. Sea of ​​Class, Irish Oaks and Prix de l’Arc de Triomphe runners-up, also made their racecourse debut in the Second Division of the same event that year.

Expect a bold performance on her Rowley Mile debut this week before moving on to better things.

Educator (William Haggas)

4.45 Newmarket, Tuesday – bet365 Handicap

The three-year ten-stay handicap that concludes proceedings on Tuesday (4.45) has been disputed by the likes of Bronze Cannon and Doctor Fremantle (2008), Wigmore Hall (2010), Main Sequence (2012), Old Persian (2018 ) and, more recently, Mohaafeth (2021). The last named is trained by William Haggas and the boss of Somerville Lodge will be represented this time by the progressive EDUCATOR.

Rated 85, the son of Deep Impact is out of a Listed Diploma winner and, after finishing second at Goodwood in September, he did better less than three weeks later at Haydock. A neck scorer of the rated 83 and new stablemate Asean Legend, the form received a nice boost last week when the third Savvy Victory was hacked at Pontefract.

Equipped with cheekbones on this occasion, the headgear was left out for its reappearance. The increased travel should suit and his manager is already eyeing the precious ten furlong handicap at Epsom on Derby Day (June 4) as part of its owner’s Platinum Jubilee celebrations, The Queen’s Platinum Jubilee.

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Ikhtiraaq (Sir Michael Stoute)

4.45 Newmarket, Wednesday – Best odds guaranteed at bet365 Hanicap

It will be interesting to see what Sir Michael Stoute can achieve with all three races IKHTIRAAQ this term.

Entering the three-year-old one-mile handicap on Wednesday (4.45), the son of Invincible Spirit raced for Owen Burrows as a juvenile runner-up in Salisbury and Chelmsford before winning in the third time to ask over seven furlongs to Leicester in October.

Winner of the neck of the well-regarded Akhu Najla, it was then sold for 220,000 gns a fortnight later as part of Shadwell’s scatter. An opening score of 79 doesn’t look hard and, being the half-brother of a ten furlong winner, the newest signing to the Freemason Lodge stable is expected to improve even further this week.

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Reigning Dynasty (Charlie Appleby)

2.25 Newmarket, Wednesday – bet365 Wood Ditton Maiden Stakes

Champion trainer Charlie Appleby entered four horses in the Wood Ditton Stakes on Wednesday (2.25) and hopefully DYNASTY TO REIGN try his luck.

Half-brother to the aforementioned Old Persian, a two-time Group 1 winner for the same connections, he would have shown himself well in his work and would have been entered in the Epsom Derby and the Paris Grand Prix.

A colt by Night of Thunder, he also has the option of making his first public appearance in the Novice Stakes ten stadiums later on the same map (4.10). While he is expected to give a bold account over a mile, his breeding suggests he will be even better over longer distances.

Twilight Calls (Henry Candy)

4:45 p.m. Newmarket, Thursday – Prize promise on bet365 Handicap

DUSK CALLS is a horse I reported on sportinglife.com after he raced at Goodwood last summer. Henry Candy’s charge might only finish sixth in a precious five and a half furlongs handicap at York’s Ebor Festival next time, but I remain convinced he has plenty more to offer.

Formed during the winter, he wants five stages in fast ground and should have his optimal conditions in the final on Thursday (4.45).

Unexposed to the minimum trip, the son of Twilight Son won on the July course last year and scored for the first time at Doncaster last season confirming he is fine. Ranked 94, it wouldn’t be surprising to see the Cheveley Park Stud-owned gelding mix it up in Pattern racing at some point in 2022.

Forward on the flatwhich includes exclusive interviews with Andrew Balding, Ralph Beckett, George Boughey, Michael Dods, Tim Easterby, James Ferguson, William Haggas, Kevin Ryan and Roger Varian, can be purchased for £10.99 (including postage) from www.mhpublications.co.uk

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Athlete and prolific fundraiser with MS is ‘the happiest skydiver’ because he ‘falls as fast as anyone else’


Impressive athlete who fundraises prolifically, from rugby to obstacle events, is ‘happiest in skydiving’ when he ‘falls as fast as anyone else’ because multiple sclerosis l left in a wheelchair. Mark Webb, 53, first felt the symptoms of the lifelong wasting disease affecting the brain and spinal cord when he went to look after his crying two-year-old child in the night in 2007 and is found temporarily paralyzed – leading to a diagnosis of MS later that year. .

Despite losing control of his legs and reduced grip in both hands, as well as a weakened left arm, an avid triathlon runner before he was ill, the former social media manager who doesn’t can’t work now, has raised thousands of pounds for charity via active pursuits. Mark, who lives in Dunstable Downs, Bedfordshire, with his wife Joanne Webb, 53, the council’s chief executive, and their sons Samuel, 16, and Toby, 11, said: ‘The only places I feel like anyone else are when I’m skydiving and I’m falling as fast as anyone else, or when I’m in the water.

“We hope to be in the Maldives before too long and I can spend two weeks floating in the water, feeling like everyone else and hearing my family happy and laughing. I also plan to use a seaplane, which takes off and lands on water. It’s an out of body experience, I love it.

“It’s so out of my comfort zone and I can experience something totally new. It takes me away from everything and it’s so good for my mental health.

While observers think Mark’s exploits are remarkable, he sees everything from rugby to Tough Mudder obstacle challenges as an escape from the restrictions placed on him by MS. He said: “In everyday life, I find myself constantly calculating and predicting the next risk I need to overcome.

Mark and Joanne married in 1999

“But when I fall through the air while indoor skydiving, or float in water, or get beaten in a wheelchair rugby match, I’m freed from all my worries and I can just forget about MS.” A former ski rep in his youth, Mark also hopes to try indoor sit-skiing in the coming months.

He said: “I get a bigger adrenaline buzz than anyone else doing these things, because I’m so far out of my comfort zone. There is a huge sense of accomplishment when I take on a new challenge and I know I can be an example for others.

“I know I can get people to rethink their attitude to MS and other disabilities. Just because you’ve been diagnosed with MS doesn’t mean you have to give up on your ambitions.

Former school rugby captain Mark in the snow in 2020 lockdown
Former school rugby captain Mark in the snow in 2020 lockdown

Mark discovered he was seriously ill when his wife took him to see his GP after his temporary paralysis overnight, only for the diagnosis of MS to follow six months later. Known as ‘snowflake disease’ because of its unique effects on each patient, Mark said: “I had no idea what MS was. I was in shock and denial.

“Googling I just saw all this bad news and figured I had a few minutes to live.” Fortunately, Mark had the incredible support of Joanne, whom he met when they both worked for Disney in Paris in 1999, when he now realizes that the tingling he felt spasmodically were indicators future MS.

While working in television production, Mark said: “I immediately fell in love with his blue eyes and his laughter – even at my bad jokes. It took her a few months to notice me and when she did she thought I was gay.

Mark and Joanne Webb at a car festival in Winchester in 2021
Mark and Joanne Webb at a car festival in Winchester in 2021

Fortunately, a drunken kiss in January 1999 sealed the deal and they were married at the end of the year, forging a deep love that saw them through good times and challenges. Experiencing rapid deterioration in the first year following his diagnosis, Mark was forever grateful for Joanne’s unfailing support as he began to ‘walk around like a drunk’ and suffer recurrent falls.

He said: “I had a particularly bad fall in 2012 when I smashed my head and my son, who was then only six, had to call 999. I needed stitches and this was definitely a red flag that i needed to start using an aid and get more help.

Thanks to a crowd-funded £13,000 motorized all-terrain wheelchair, Mark is still enjoying great days with Joanne and her children, exploring the Dunstable Downs landscape surrounding his home. His fundraising efforts have also raised £20,000 for two causes close to his heart – Shift.ms and the Chilterns MS Centre.

He said: “I was a sack of potatoes when I did the Tough Mudder in Bristol, but I had a brilliant team around me who got me through all the odds. I was almost sick after just the first hurdle, it was so exhausting, but it was just amazing.

“I feel this tremendous sense of purpose to raise money for these charities and my local MS center. I can’t run a marathon like other people so I have to do something stupid and I love it.

Playing wheelchair rugby at least once a month for the Bournemouth Lions is another favorite pastime. He said: “I played rugby until I was 18 as a captain, which I can’t do anymore, but I can play wheelchair rugby.

“I am 53 years old and I practice contact sports. If I didn’t have MS, I probably wouldn’t. It’s brilliant. Determined to see the pros as well as the cons of his condition, he says MS also means he is constantly present in his children’s lives.

He said: “I’m very aware of what MS keeps me from doing, but what I can do is be there for my sons whenever I’m awake. I know it must be hard for them and they must be worried.

“But, generally, they are happy children. I work hard to be a good father to them in my own way.

Mark and Joanne and their two children, Samuel, 16, and Toby, 11
Mark and Joanne and their two children, Samuel, 16, and Toby, 11

He’s also learned to be honest about how he feels and to acknowledge it if he’s having a bad day. He said: “On bad days, I’ll say I’m having a bad day, but I also have that sense of purpose that keeps me going.

“I’m in love with my wife and I have two amazing kids, which means I force myself out of bed when sometimes I probably should stay in it. I don’t want people’s sympathy, I want fun. I I’m still me, I’m just a little different.

Joanne also acknowledges that Mark’s illness has affected the whole family, although she is full of admiration for her incredible husband. She said: “I vividly remember the day he was diagnosed as we sort of drifted off into a daze.

“When someone is diagnosed, it has a huge impact on everyone’s life, but there’s no need to dwell and be glum about it. Mark used to say, “My name is Mark Webb and I have MS”, but he is much more than that.

“He’s also a father, a husband and a weirdo with no sense of fashion! You have these three stages of grief and mourning over a life you know you can’t have – but also you just need to get out of it.

The Webb family celebrates Mark's new all-terrain wheelchair in 2017
The Webb family celebrates Mark’s new all-terrain wheelchair in 2017

“We’re so privileged that we have two incredibly fantastic boys and they don’t know anything different. They don’t know a dad who can run around in the garden, but they know a dad who’s in a wheelchair and he’s an absolute weirdo .

“He’s been a really great, supportive dad who wants to get involved in a lot of things that a lot of able-bodied dads don’t. And all of the challenges he’s taken on to raise money for charity are incredible. It’s like he’s found his calling in normalizing disability and being positive.

* To learn more about multiple sclerosis click here. Other helpful tips for moving can be found on the We Are Undefeatable website here.

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Conte’s killer combo delivers as Spurs smell blood before crushing Villa


Antonio Conte has hailed the killer instincts of his bloodthirsty Tottenham leading trio after a clinical 4-0 win at Aston Villa revived hopes for Champions League football next season.

Son Heung-min scored a hat-trick, taking him to 17 Premier League goals for the season, and winger Dejan Kulusevski was also on target at Villa Park.

Meanwhile, Harry Kane had two assists, as Tottenham’s front three sent Villa running to shreds in the second half.

Son has the most Premier League goals this season when penalties are removed from the tally, given that none of his strikes have been kicks. Mohamed Salah’s 20-goal run, leading the league, includes five penalties.

Villa finished the game with a higher expected goals figure than Tottenham, 1.71 to Spurs’ 1.02. It reflected the golden chances Villa spurned, particularly in the first half when Danny Ings, Ollie Watkins and Philippe Coutinho all threatened.

The stat also spoke of Tottenham’s ability to sniff out half a chance and snatch a goal, which Conte delighted.

Previous defeats to Arsenal and Manchester United meant Tottenham had a great opportunity to tighten their grip on fourth place, and Conte said: “We have to look each other in the face. I said this to our players: a team strong, a great team, don?t depend on others.

“We have to understand the moment when you have to kill your opponent. Today was an important moment, especially because of other results. It was good for us, but it was good because we won. If you don’t not win, the result of the other teams is not useful.

“The players know very well what I said. The winner has to smell when there is blood, your opponent’s blood, and then you have to kill your opponent.

“I think we are working very hard in many aspects. I’m lucky because I have a group of players who deserve the best because they show me great commitment, good behavior every day.

“They want to improve, and to get these kinds of results in a short time makes me very happy because I know they are very happy.”

Tottenham have won six of their last seven Premier League games, following a previous run of poor results.

They have seven games left, including a big derby against Arsenal next month and a trip to title hopefuls Liverpool.

Tottenham seem to be growing all the time, and to be able to put aside a sketchy 45-minute opener, when Son’s first goal gave them a lead they barely deserved at the break, showed a particular quality that pleased in Conte.

Son, Kane and Kulusevski were unaffected by the knocks Tottenham had suffered and came out for the second half determined to put a bigger mark on the game.

“I think the job of the coach is to try to exploit the characteristic of the players, to put the players in the best situation,” Conte told Sky Sports.

“I think this formation is soft on the characteristics of these players, and it works very well. We are starting to work on the details. It is very important because remember that I arrived in November, not in pre- I think we have grown in a big way, and now we are showing that it is difficult to play against us.”

Son also spoke about the dynamic between the front three. Since Kulusevski’s Premier League debut on February 9, only Kane (13) and Son (12) have been involved in more goals in the competition than the former Juventus winger (nine) across all teams.

“It’s about understanding,” Son said. “The first time we played together it wasn’t perfect. We’re still not perfect, but we’re getting better every day and love playing together.”

Is Biden mocking progressive Democrats?


Like a Charlie Brown moth drawn to Lucy van Pelt’s fiery football, congressional progressives continue to fall for the pathetically predictable and patently selfish calls for unity from corporate Democrats. Support our priorities, the centrists continue to urge, and we’ll come back to your business later.

How long after?

We will tell you later.

“Progressives have grown increasingly accustomed to disappointment with the Biden administration,” the Daily Beast reports with the topical tone of “the sun rises in the east,” “and now a proposed raise Ministry of Defense and Law Enforcement spending has them airing their grievances again just months away from the 2022 election.” Incredibly – remember, we just left Afghanistan, so spending war are set to fall precipitously – President Biden’s latest budget proposes a record $813 billion in military spending, a increase $30 billion over last year. He just sent $13 billion to Ukraine. Plus, he wants $32 billion for the cops.

Reimburse the policy.

Whether working in a system diametrically opposed to your values ​​has ever been effective is historically debatable. Ever since Bill Clinton ditched the New Deal coalition of working class, labor and black people in favor of Wall Street banks and other big corporate donors, it certainly never worked out for progressives in the Democratic Party. .

Helpless and hopeless, members of the AOC-led House Squad and leftist senators are left with only one option to make a strong political statement: leave the Democratic Party and either join the Greens or form a new progressive party. But it would risk being ridiculed and marginalized by liberal media like The New York Times and MSNBC, not to mention grassroots organizing, which requires hard work, like talking to voters and getting rained on.

So the creaking mice of the progressive left inside the Beltway are reduced to emitting sad little moans in response to once again getting the tree.

“If budgets are statements of value, today’s White House proposal for Pentagon spending shows we have a lot of work to do,” said Congressional Progressive Caucus Chair Pramila Jayapal (D- WA), Reps. Barbara Lee (D-CA) and Mark Pocan. (D-WI) wrote in a statement responding to Biden’s GOP-inspired budget.

“It’s a mistake,” Rep. Alexandria Ocasio-Cortez (D-NY) said.

“You know, you mean ‘defund the police’, cool. But you also talk about police accountability,” Rep. Jamaal Bowman (D-NY) added.

These quotes appeared in an article titled “Left Seethes”.

I know by bubbling. Seething is a friend of mine.

The “work to do” is do not bubbling. “Error” does not bubble. “Police accountability” is not bubbling.

“I think the number this year was too many,” said Sen. Elizabeth Warren (D-MA). Yes. About 1000%.

Biden’s Build Back Better infrastructure package, which incorporated some progressive priorities, died because the White House and its Democratic allies in Congress didn’t go to the mat for it; in particular, they were unwilling to punish DINO Senators Joe Manchin and Kyrsten Sinema by threatening to strip the traitors of their committee assignments.

Raising the national minimum wage to $15 an hour, a progressive priority for the past decade, died under President Biden.

There was no movement on another key platform from Bernie Sanders’ presidential bid for a student loan forgiveness.

112 million Americans are struggling to afford health care and we’ve lost nearly a million Americans to the COVID-19 pandemic, but Biden, content with the flawed Affordable Care Act of his former running mate, didn’t spend a penny of political capital or cash capital, on Medicare for All.

Besides lessons in humility and patience, what exactly do congressional progressives gain from working within the Democratic Party? Dominant legitimacy. But to paraphrase LBJ, what the hell is he working on inside the Democratic Party, if it never pays off?

As self-identified congressional progressive Democrats spin their wheels, their constituents get a defense budget Donald Trump would be proud of, higher taxes to pay for more police officers and skyrocketing prices at minimum wage national $7.25 last raised in 2009. (Adjusted for inflation, it’s $5.48 today.)

At this point, progressive voters can only draw one logical conclusion about the decision of the AOC, The Squad, and other supposedly left-leaning Congressmen and Senators to remain in the Democratic Party: Their only goal is to legitimize and support an institution that works against them, their ideas and their supporters.


DC schools have been asked to classify more children at risk


Community groups are calling on the district to expand the definition of who is considered at risk for academic failure, sparking a discussion about which students would benefit the most from additional funding.

There’s no question city leaders will be ready to tackle this budget cycle, but a coalition of more than 40 groups says the need is urgent, especially after the turbulent year of learning Virtual appears to have widened the city’s already wide achievement gap among white students. and students of color.

“The past two years have been a collective trauma for our students, our schools and our communities,” the DC Students Succeed Coalition wrote in a letter to top city leaders calling for more funding for education. “In addition to the deadly pandemic that has caused so much personal pain and loss, our students have experienced disrupted learning, acute mental health issues, social isolation and upheaval from childhood.”

Currently, DC distributes additional Local Dollars to homeless or foster students, whose families qualify for food stamps, and to students who are in high school and have been held for at least one year. Based on these criteria, 47% of the city’s more than 95,000 public school children are considered at risk. The money at risk – nearly $3,000 per student – is a slice of a complicated school funding formula and is distributed in addition to the standard money allocated to each student.

Mayor Muriel E. Bowser (D) proposed a massive $2.2 billion education budget in February, a 5.9% increase from the current year, equivalent to funding base of $12,419 per student.

DC announces massive budget for public education with more funding for mental health

Groups want at-risk funding to extend to students who have an incarcerated parent and those who are connected to the Child and Family Services Agency, even if they are not with family from homepage. They also want students who are undocumented immigrants or whose parents are undocumented to be included. Although schools are prohibited from asking children about their immigration status, advocates say the city has enough information to properly target these funds to the right schools and grade levels.

And if advocates get their demands, the biggest change to the at-risk pool would be the inclusion of adult learners — older students who take specialized public programs to receive their high school diploma or certification in certain trades. . The city’s more than 3,000 adult learners receive base funding of approximately $11,000.

Families generally don’t know if their children are considered “at risk,” but the majority of the money is supposed to follow students to the public or traditional charter school they attend.

“Many of my students have young children, and helping parents of at-risk students helps at-risk students,” said Nicole Hanrahan, executive director of LAYC Career Academy, an adult charter school. “It’s a good return on investment. It is a good policy. »

The district established the “at-risk” funding law in 2013. The extra money for these students is supposed to alleviate the effects of poverty, which can make learning more difficult. Funds could be used to pay for additional reading specialists, music teachers or extended day programs.

But numerous investigations and reports have determined that the city often spends this money incorrectly, using it to pay for routine costs rather than programs to supplement basic school offerings. In some cases, this is because many schools with high concentrations of at-risk students are under-enrolled and smaller schools cost more to operate. These schools’ budgets don’t stretch as far as larger schools, so principals end up spending money on core staff that other schools can cover with their core budgets.

DC wrongly spends millions of dollars meant to help the city’s poorest students

Hanrahan said there was a great need for the money at her adult education school. A third of her students who have a high school diploma read at the primary level, she said. She would use the money to hire more reading specialists and mental health workers.

The district says it has invested more resources in its most vulnerable students in recent years. Last year, the city increased the at-risk funding weight — a percentage of base funding per student that is used to determine the amount of additional funding allocated to at-risk students. There is a separate weighting for students who receive special education services and who are learning English as a second language. Although the at-risk weighting is not expected to increase next year, higher base funding per student means targeted funding will also increase.

The Bowser administration said it has increased funding for students deemed overage in high school and high school English language learners. Between 2021 and 2022, the city has distributed an additional $21 million to English language learners, which is typically used to pay bilingual and specially trained staff.

“We are convinced that the current [per student funding formula] and its corresponding weight-at-risk, is an effective model for bringing money to students who need it most and ensuring that they not only stay in school, but succeed in school” , Deputy Mayor for Education Paul Kihn wrote in a statement. “We continued to adjust the [formula] over time and we are always open to thoughts on how to leverage the mayor’s targeted investments and bring even greater fairness to our system.

In addition to expanding eligibility for at-risk funding, the DC Students Coalition has also called for funding to increase for each student – ​​from approximately 25% of base funding to 37%. The group also urged the city to change the name of the funding category from “at risk” to “equity”, saying risk is a “pejorative, inaccurate and inadequate” label.

The DC Policy Center, a local research group, crunched the numbers and determined that expanding venture fund eligibility could cost the city between $20 million and $33 million each year. Analysts have estimated that many children who would fall under these new categories are already eligible for risk financing because their families are eligible for food stamps.

DC Policy Center executive director Yesmin Sayin Taylor and education analyst Chelsea Coffin said the biggest new expense would be on adult learners, who currently receive no funding at risk. This would cost about $10 million at the current amount of venture funding.

City data shows about 1,700 children are currently involved with the Child and Family Services Agency, but live at home.

Analysts extrapolated from available national and local data on incarceration and undocumented immigrant rates to determine how much extra money would be needed for those students.

They assumed that most students with a parent who is incarcerated are eligible for food stamps and are already eligible for at-risk funding. They believe adding these students could cost between $1.9 and $2.8 million.

“When we talk about people at risk, it’s mostly kids who have a lot of transience in their lives,” said Maya Martin Cardogan, executive director of Parents Amplifying Voices in Education, a parent advocacy group that does part of the coalition. “These are unstable housing because of the economic issues that are part of DC. They are migrant children. Their families are in and out of the prison systems, which creates instability. Are we sure we are taking care of them ? “

Ecclesiastical diplomacy | eKathimerini.com


Russian Orthodox Patriarch Kirill releases a dove, celebrating the Annunciation ahead of Orthodox Easter at the Cathedral of Christ the Savior in Moscow on Thursday. [AP]

Besides its humanitarian dimension, Ecumenical Patriarch Vartholomaios’ trip to Poland to meet and comfort war refugees from Ukraine was also strong in religious symbolism. The visit conveyed the message that Orthodox Christianity is united against the Russian invasion of Ukraine, while disapproving of Patriarch Kirill, the head of the Russian Orthodox Church, who endorsed the military campaign.

Kirill’s full-throated blessing of the invasion shocked Christians around the world. With a few exceptions (Serbia and Antioch), the autocephalous churches and the Orthodox patriarchates condemned the incursion and froze their relations with the Moscow patriarchate. The Ukrainian Orthodox Church (UOK), which is an autonomous church within the Russian Orthodox Church, has suspended its ties with Moscow and more than 300 religious leaders, clerics and theologians have stopped praying for Kirill as a spiritual leader .

What the Russian Orthodox Church managed to build in its campaign for hegemony in the Orthodox world is now being demolished by the tanks and artillery of President Vladimir Putin. However, one way or another, this war will end. And a new ecclesiastical order will be established in the war-torn country that is sure to bear the seal of the victors. After all, one of the reasons for the Russian invasion was to overthrow an ecclesiastical status which was hated by the Russian side (both the patriarchy and the Kremlin) and which was blamed on Vartholomaios. The war will leave the status of the Russian Orthodox Church severely damaged in the eyes of Christians around the world. The idea of ​​the “Third Rome” (the concept that Moscow succeeded the Roman Empire as the center of true Christianity) is crumbling. The World Council of Churches is already collecting signatures to expel the Russian Church from its ranks.

Kirill turned out to be a staunch servant of the Kremlin’s revisionist geopolitical plans instead of portraying himself as the potential spiritual leader of the world’s estimated 300 million Orthodox Christians, as the Russian side tried to portray him. But even if the Church of Russia succeeds in imposing an ecclesiastical protectorate by the use of force in Ukraine, it will not be able to do the same in the rest of the world. Could Kirill have resisted Putin’s imperial plans? The truth is that he has his own irredentist visions.

Perhaps it is time for the Ecumenical Patriarch to take a step forward. The Orthodox world is under severe strain. A few unifying gestures are needed.

Britain ‘appalled’ by Ukrainian train station attack on civilians fleeing war with Russia


The government said it was “appalled” by a missile attack launched against civilians fleeing war in Ukraine. Russia may have committed another war crime by targeting people fleeing a train station in eastern Ukraine, the defense secretary has said.

Ben Wallace vowed to “do everything” to ensure Vladimir Putin’s failure in Ukraine and confirmed Britain would send Mastiff armored vehicles to help in the fight against the Russian president’s forces. Ukrainian President Volodymyr Zelensky said at least 30 people were killed in the attack on the crowded Kramatorsk train station which was an evacuation point for civilians.

A hundred more people were injured, Zelensky said, accusing Russia of “unbounded evil”. The Kremlin denied targeting the station.

Foreign Secretary Liz Truss said she was “appalled” by the reports, adding: “The targeting of civilians is a war crime. We will hold Russia and Putin to account. Mr Wallace, visiting Romania for interviews said the strike was a repeat of the Russian president and his generals targeting civilians.

Speaking at a press conference in Constanta, he said: “Not far away this morning, in a place called Kramatorsk, what appears to be Russian missiles hit civilians queuing for trains to look for a safer place of war. Hitting civilians and critical infrastructure is a war crime. They were precision missiles aimed at people seeking humanitarian shelter.

Mr Wallace said sanctions against Russia must not be lifted to allow Mr Putin to return to “his superyachts and his normalcy. He added: “Whatever happens in Ukraine, we must not let the international community forget about it. What Putin is doing here today is creating his own cage around himself.

Ukraine’s prosecutor general’s office said about 4,000 civilians were in and around the Kramatorsk train station, mostly women and children. The strike came as Moscow backed away from its attempt to encircle the capital kyiv and instead tried to take eastern Ukraine.

Pressed whether he thinks the attack on the station was a war crime, Mr Wallace told the press conference that evidence would be gathered to prove the answer, but added: ‘The circumstantial evidence absolutely indicates that ‘a series of war crimes are being committed by Russia.’

For more stories of where you live, visit InYourArea

USPS plans to raise stamp prices again


(NEXSTAR) – The United States Postal Service has announced plans to increase postage prices this summer.

In a bulletin released Wednesday, the USPS said it had filed a notice with the Postal Regulatory Commission, seeking permission to raise the price of stamps beginning July 10.

The price of a Forever stamp would increase to 60 cents.

If approved by the Regulatory Commission, the following increases would come into effect:

USPS Product The current cost Cost after July 10
Letters (1 ounce) 58 cents 60 cents
Letters (measured 1 oz.) 53 cents 57 cents
Letters (additional ounces) 20 cents 24 cents
Domestic postcards 40 cents 44 cents
International letters (1 oz.) $1.30 $1.40

The USPS recently raised prices in August, according to CBS News, when the cost of a Forever stamp rose from 55 cents to 58 cents.

A Forever stamp, as the name suggests, can be used to send a letter regardless of the date of purchase. This means that if you bought a booklet of Forever stamps 10 years ago, when the price was 45 cents each, you can still use them to send letters now, even though prices have gone up.

Even though they come shortly after a recent price hike, the Postal Service said the latest proposal doesn’t even keep up with rising inflation. The proposed price increases represent a 6.5% jump, but the annual inflation rate was 7.9% at the end of February, according to the Bureau of Labor Statistics.

“With the new prices, the Postal Service will continue to provide the lowest letter-mail postage rates in the industrialized world and provide great value in shipping,” the USPS statement said.

President Joe Biden on Wednesday signed legislation to save the Post Office’s six-day-a-week delivery service. The legislation was approved by Congress last month after years of discussion and followed numerous complaints about slowdowns in courier services.

More popular stories on WGNTV.com:

Officials had repeatedly warned that without congressional action, the Postal Service would run out of cash by 2024. The final bill won rare, bipartisan support by scrapping some of the most controversial proposals to fix major ways to save the service.

Mail delivery is one of the most popular things about government, with 91% of Americans having a favorable opinion of the Postal Service, according to a Pew Research Center poll released in 2020.

The Associated Press contributed to this report.

Penny Dreadful: this sumptuous and terrifying gothic horror series transports you to a Victorian London invaded by monsters


“So we fight, boats against the current, constantly brought back to the past.”

Perhaps one of the most haunting lines in literature, the closing line of F Scott Fitzgerald’s famous novel The Great Gatsby captures not only the central theme of the story, but the entire experience. human. Each heroine and hero of showrunner John Logan’s horror television series Penny Dreadful, who by the way owes a lot to literature as we will learn, is similarly unable to let go of her past, forever marked by it. . They do not (or cannot) let go of the past.

Penny Dreadful is a cocktail of disparate components that shouldn’t gel together, but they do. Victorian-era London rendered in jaw-dropping detail, an art design that would likely impress followers of the aesthetic movement, protagonists who rub shoulders with several literary characters from that era, and a story that isn’t afraid to delve into the ‘absurd. Sounds heavy and a bit ridiculous for a bona fide TV show, but don’t worry.

Because with this Showtime horror series, Logan has pulled off something really, really special.

There was something incredibly daring about Penny Dreadful that fascinated me. Being a huge horror fan, I’m perpetually on the lookout for awesome scary stuff, and this show seemed to be right up my alley, and I decided to give it a try.

While its title refers to cheap and sinister serial works of fiction that circulated in the UK in the 19th century, Penny Dreadful is anything but cheap. I’ll admit I don’t know the budget for the show, but everything about the show seems high quality, whether it’s production quality, sets, camera, or CGI.

A picture of Penny Dreadful.

It has a varied ensemble cast, but the plot mostly centers around a haunted woman (literally and metaphorically) called Vanessa Ives (Eva Green). Vanessa is the soul of the show (Logan used the word “spine”), and the story is mostly about her struggles against the forces of darkness. All of the other characters simply aid him in his quest, operating on the fringes and breaking out occasionally.

I believe Green is giving one of the top 5 TV performances of the 21st century. She is absolutely sublime, driven and determined to portray the anguish of a vulnerable woman who desperately clings to her God to save herself from the Devil. She also embodies the guilt of having wronged her friend. It’s a tour de force for the ages, and like the show, sadly overlooked.

Over the course of the series, Vanessa battles two of horror’s most popular villains: Lucifer and Dracula. I always imagined how these two mighty “Dark Lords” would fit into one story. And who would be the most powerful? Surely Dracula as an alpha vampire is more than a match for the fallen angel? Penny Dreadful provides some interesting answers. It turns out that God not only cast out Lucifer according to the Bible, but also his brother: Dracula. Lucifer and Dracula are two equal and opposite entities who have the same goal: to make Vanessa their bride.

In the first season, Vanessa searches for her friend whom she had wronged and also struggles against possession by Lucifer. Besides the main plot, there are other minor subplots. There’s Brona (Billie Piper), a bitter prostitute tired of men using her body, who nearly lost her faith in men and humanity before she found a man she could love and who loved her back. But unfortunately, their relationship was not to last. There’s the familiar hedonist Dorian Gray (Reeve Carney) of Oscar Wilde’s philosophical novel, doomed to immortality, who feels no emotion – every person, he says, including himself, must be used to satisfy the senses. What else is there, he wonders.

Then there’s Dr. Frankenstein, a man bent on bringing the dead to life out of passion, not realizing what monstrosities he’s giving birth to. As with other eccentric individuals who populate the world of Penny Dreadful, his past comes back to haunt him, albeit more literally than he would like, and kills the one good thing he ever created. The viewer is shocked, but can’t help but sympathize with the “Creature” (Rory Kinnear), a man who can’t remember his past but knows his terrible appearance is due to his torn body. was put together roughly as a simple experiment of Dr. Frankenstein – the man he very reasonably hates.

Vanessa Ives decides to confront the Devil to appease the guilt of having betrayed her friend. Her most trusted companion, Sir Malcolm, also wallows in guilt for being neither a good father nor a good husband. The American gunslinger hired by Vanessa and Sir Malcolm, Ethan Chandler (Josh Hartnett), has his own demons that he keeps to himself. His “demon,” one of many, is the big reveal in the first season finale. There is also a mysterious African Sembene, friend and assistant to Malcolm – a solid and silent presence.

When direct possession doesn’t work, Lucifer turns to his witches in an attempt to coerce Vanessa. There is a striking contrast here. Vanessa may be physically weak and may need the firepower and muscle strength of the men around her, but it’s her steely will and even-handedness in adverse situations that counts against Lucifer. Although Penny Dreadful is brilliant almost throughout, it’s the second season that will make you fall in love with the show. It was more focused, gripping, and darker than the other two.

The Dracula arrives in the third season. While Lucifer was all spirit – trying to take Vanessa’s soul – Dracula wants the body, as he himself is a material entity. The final chapter of Vanessa’s story finds herself alone. Malcolm has gone to Africa to bury his old friend Sembene. Ethan, finally tired of his other self, goes before Agent Pinkerton who follows his bloody trail and leaves with him for his native country: the Wild West. Stripped of her companions and protectors, Vanessa searches for new friends. She finds one, but it’s far from ideal.

Even during the relatively weak parts of the show, the amazing visual touches remain and there is always something interesting happening in this show. The theme of light versus dark is subtly highlighted. In the third season, bright red Chinese lamps contrast with the dark, misty landscape. The deep blacks and grays of Victorian London are juxtaposed with the vibrant oranges and duns of America in season three. You have the impression that this city hides monsters in its shadow. Even the bloody, gory scenes of this show seem oddly enjoyable to watch.

Penny Dreadful is streaming on Amazon Prime Video.

Tip: Although this show is not a speed bump, it will take you some time to enter its strange world and appreciate the gloomy atmosphere. Stick to it and you will be rewarded.

Under the Radar is a weekly series about a great movie or TV series that for some reason has escaped most people’s attention – flew under the radar, so to speak – and worth checking out.

Best portable projectors 2022: Top mini projectors reviewed


Best for: Full 4K, room roaming, short throw projection

Ok I’ll be honest, I wondered if I could legitimately pitch this as a portable projector, especially since at 15 x 53 x 31cm (HxWxD) it’s considerably larger than the other options here, but then if the qualification to be considered portable is that it’s not permanently fixed in one place and is light enough to be moved to different rooms, then the 11.1kg LG CineBeam HU715Q pretty much makes the cut.

The fact that it’s an Ultra Short Throw model also helps it qualify, making it uniquely suited to project cutting-edge 4K images up to 120 inches in nearly any room in the home.

Running on webOS 6.0, to access massive amounts of content, simply connect the LG to your Wi-Fi and explore your app options, with the usual suspects of Netflix, Amazon Prime Video, Disney+, YouTube and Apple TV all available . And you can also mirror content from all your Apple devices, thanks to Apple AirPlay 2 and HomeKit support, adding even more entertainment options.

Picture-wise, these 4K UHD images come with 2,500 lumens of brightness, a ridiculous 2,000,000:1 contrast ratio and LG’s nifty Brightness Optimizer Ⅱ, Auto-Brightness and Adaptive Contrast. constantly working to ‘sense’ the lighting conditions around you and modify the image accordingly to always ensure brilliant whites, vivid colors and deep, dark, detailed blacks.

Audio-wise, the CineBeam HU715Q doesn’t disappoint either, with a 2.2-channel audio system comprised of a woofer, passive radiator and vibration-damping speaker structure capable of pumping out 40W of sound. incredibly cinematic.

With an absolute wealth of input and output terminals at your disposal too, the projection possibilities with the LG are nearly endless and, the latest deal-breaker, the bundled Magic Remote not only allows for voice control, but also – do watch out for other manufacturers – glows in the dark to make it much, much easier to use.

The LG CineBeam HU715Q is a little bigger than the other projectors assembled here, but it’s still technically ‘portable’. Is this a work of portable projector perfection? Absolutely.

ArtisMonigold | News, Sports, Jobs


Artis W. Monigold, 79, of Toronto, died on Sunday, April 3, 2022.

He was born July 10, 1942 at home, the son of Asa J. Monigold and Alice H. (Still) Monigold.

Artis enjoyed collecting antiques, collectibles and local history. He enjoyed reading, fishing, and his horses and hunting dogs.

He had been employed in the 80-inch department of Wheeling-Pittsburgh Steel Co.

Artis was a member of Bray’s Chapel United Methodist Church; was a member of the Toronto Historical Society and the Ft. Steuben Stamp Club and graduated in 1960 from Jefferson Union High School.

He was predeceased by his two parents, his beloved wife Nancy (Morrow) Monigold whom he married on March 3, 1963, one sister, Dorothy (Chuck) Pinkerton and three brothers, Asa, James, Leonard and Floyd.

Artis is survived by two daughters, Sharon Monigold of Columbus, OH and Joyce (Pat Pahl) Bartlett of Toronto; two sons, Timothy Monigold of Mingo Jct., OH and James Monigold of Coraopolis, PA; grandchildren, Josh and Amber Bartlett, Matthew and Jillian Monigold and Andrew and Justin Monigold and great-grandchildren, Colton, Aria and Pierce.

Visiting hours for Artis will be 11 a.m. to 3 p.m. on Thursday, April 7 at Clarke Funeral Home, Toronto. A celebration of Artis’ life service will be held at 3 p.m. Thursday at the funeral home with the Reverend Kevin Rinkes officiating. Interment will follow at Union Cemetery in Toronto.

To send your condolences to the family, go to www. clarkefuneralhome

Majority of P&O Ferries services still suspended – three weeks after 800 staff were laid off


Just one of P&O Ferries’ eight services has been cleared to sail for more than three weeks after its massive layoff of 800 sailors. Eight ferries were hit by the fire, only one being allowed to continue its service, according to The Mirror.

Two other ferries have been detained by the Maritime and Coastguard Agency (MCA), with the others still awaiting inspection. The Pride of Rotterdam and the Norbank ferry between Liverpool and Dublin were not impacted.

The MCA said: ‘There are no further P&O Ferries inspections at this time and we will re-inspect at the appropriate time.’

Sailings from Dover to Calais have been canceled this weekend, threatening to affect travelers hoping to go abroad over the Easter period. The company said it would provide full refunds to anyone scheduled to travel on the route this weekend. A spokesperson told the Mirror: “From this weekend, P&O Ferries are preparing to resume services on a number of vital routes.

“P&O has worked closely with regulators to ensure our vessels can navigate safely. P&O is delighted to welcome back vital services and we anticipate that two of our vessels will be ready to sail the Dover route. -Calais by next week, subject to regulatory approval, namely both the Pride of Kent and the Spirit of Britain between Dover and Calais.

“P&O also expects to be able to navigate both the European Causeway which connects Larne and Cairnryan; and the Pride of Hull, which provides services between Hull and Rotterdam.”

P&O Ferries boss Peter Hebblethwaite has admitted the company knowingly broke the law by making the redundancies last month. A criminal investigation has been opened into the sackings, while politicians have called for a public inquiry into the matter.

For more stories of where you live, visit In your region.

Lending apps or Mobile Banking: which to choose?


Lending apps and mobile banking can be used to borrow loans online. But what are their differences and which one is better to use? Well, that depends on your situation. But let’s dive into each of them.

What are loan applications?

Loan apps are simply apps used to borrow loans online except banking apps. These loan applications come from online lenders and follow the same loan application process as on the lender’s website.

Benefits of Loan Apps

#1 Makes work easier

Instead of walking all the way or spending money on fuel to get to a physical location, loan apps allow you to apply for the loan wherever you are.

Instead of physical documents, you will upload the scanned documents to avoid cases of damaged or lost documents.

It may also be possible to get the loan even if your physical document has been lost but you still have the scanned document.

#2 Accessible 24/7

You have 24 hour access. For example, services such as CashNet USA app can give you money even at night. The loans are applied online and hence can be applied at any time of the day or night and during public holidays.

#3 Wide use of loans

Online loans can be used for a variety of reasons, including paying your bills, vacations, emergencies, debt consolidation, buying property, and more.

#4 Keep track of your transactions

Some lending apps make it easy to upload and verify user account statements. It helps to analyze the returns and make a budget out of them. From these statements, a user can check his expenses to increase his savings.

Mobile banking

It is a type of service that allows users to perform banking transactions through an application. These operations include:

  • Money transfers
  • Apply for a loan
  • Deposit of a check
  • pay bills

Benefits of mobile banking

#1 Accessible 24/7

You cannot access the physical bank at night or during holidays. The advantage is that you can always access the services of a bank, whether at night or on holidays, via a banking application. This means you can apply for a loan, transfer money, or pay your bills anywhere, anytime through the app.

#2 Great customer service

If you have any issues with the mobile banking app, you can contact customer service via the service number or email address for a quick response. You can also go to the physical bank to solve the problems.

#3 Increased security

Just like a physical bank, mobile banks have various measures to strengthen application security. For example, banks have developed the feature of logging into the app using your fingerprint or face ID.

Also, when performing transactions, some banks will send a code to your phone to confirm that it is you who is doing the transactions.

Do you have other measures to protect yourself?

There is a default feature that allows the bank to decline a card if someone tries to use it while it is deactivated or inactive. If credit or debit card transactions are misplaced or stolen, some banks such as Bank of America and Wells Fargo will help you disable them to avoid fraudulent cases.

Disadvantages of lending apps and mobile banking

#1 Unable to work without internet access

You will need to get secure internet access for both apps to work. Note the term secure Internet access. It is not recommended to use a public WIFI during your transactions from the applications.

Using a public Wi-Fi network makes it easy for hackers to get your personal information, including your passwords and account numbers.

#2 Fraudulent cases

There is a wide range of scams and scams, especially from loan applications. Indeed, the many online lenders present make it difficult for users to tell the difference between real lenders and scammers.

Mobile banks also face similar issues. There are cases of fake notifications and calls from people claiming to work in banks which could lead to possible scams.

What to choose between loan apps and mobile banking?

The choice will depend on your situation. However, there are several factors to consider that can help you make a better decision. These factors include:

#1 Mobile banking requires you to have an account with the bank

It is not possible to open a mobile banking application without first registering with a physical bank. This bothers some users.

When applying for a loan through loan apps, they will always require you to have an account for money transfers!

When you apply for loan applications, you must have an active bank account to deposit the money when your loan is approved.

#2 Security

Lending apps are 100% secure, but there are cases of scams if users are not careful. Even though mobile banking has similar security issues, it tends to be more secure than lending apps due to additional security features such as passcode verification, face and fingerprint recognition.

However, some lending apps have added security measures as well.

#3 It is possible to deposit checks via mobile banking applications

Nowadays it is possible to deposit a check through the mobile banking app where you will need to scan the check. This feature is not available for lending applications.

#4 You do not need to specify a reason for a loan request through loan applications

Some banks will require you to specify the reason for the loan request, which annoys some users. This feature is however not included in lending apps. You will have access to the loans as long as you can prove that you will repay them on time.

#5 Customer service

Some loan apps have excellent customer service; they will respond to any complaints filed. However, this does not apply to all loan applications. Banks, on the other hand, have a reputation for responding to any complaints made.

If the user is not satisfied with the service, he can go to the bank for further clarification. This is not possible for loan applications.


From the above characteristics, it is clear that mobile banking apps perform better than loan apps. This does not mean, however, that you should not use the loan app. There are top-notch loan apps that won’t disappoint you when used.

Shipping Software Market Size, Growth and Forecast


New Jersey, United States – This Shipping Software Market The report provides detailed market insights to help companies make better business decisions and build growth plans based on market forecasts and trends. The research focuses on group research of data from primary and secondary sources. This Dispatch Software Market report explores new developments, trends and outlook, and forecasts the current status and future outlook of the market from 2022 to 2029. It dives deep into the industry in terms of current and future situations . The research examines a variety of elements, such as degrees of advancement, technical breakthroughs, and various strategies employed by the current major players in the market.

Furthermore, the objective of this market report is to provide a related assessment of key players along with the costs and benefits of the programmed market. It also uses charts to focus on industry standards to help businesses progress smoothly. This market report makes it easy to determine the impact of COVID-19 on the market growth. The main objective of this Shipping Software market report is to include quantitative data in the form of tables and graphs. Knowledge of market fundamentals is presented in a simple and understandable manner for the benefit of readers. This well-planned market analysis provides all readers as well as suppliers, buyers, and stakeholders with a detailed understanding of market conditions and industry environment.

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Key Players Mentioned in the Shipping Software Market Research Report:

Malvern Systems Inc, 2Ship Solutions, Megapack, Epicor Software Corporation, Pitney Bowes, ReadyCloud LLC, Logistyx Technologies, ShipHawk, V-Technologies, Stamps.com Inc.

This Shipping Software Market report also assesses the economic landscapes of the organization to better understand market dynamics at the international as well as regional levels. This study uses benchmarking to uncover up-to-date information about the target market. The best trading techniques are provided in this report which helps to better understand the market. The latest advancements, growth factors, and competitive analysis are all covered in this Shipping Software Market report. He highlighted some of the most effective marketing strategies to drive economic development and help big players reap significant profits.

Shipping Software Market Segmentation:

Shipping Software Market, By Deployment

• On the site
• Cloud-based

Shipping Software Market, By End User

• Retail and e-commerce
• Contract logistics
• Courier and postal services
• Air and maritime transport
• Others

The market research analysis further talks about the industry forces to shape the market. Important drivers and end user expectation are also discussed in the Shipping Software market report to get solutions. The forecast of associated revenue is also made in the report. The main purpose of the report is to categorize opportunities. It also explains what business models are used, what is the current level of success, what is the market share and size, and what is the current level of competition in the market. It also sheds light on the functional areas of the business. This shipping software market report also shows how dead inventory affects profits and how product losses can be eliminated. With the business tactics provided here, it is possible to experience accelerated growth in your business. It also provides a clear picture of how different business sectors are experiencing the negative impact of COVID-19.

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Scope of the Shipping Software Market Report

UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free report customization (equivalent to up to 4 analyst business days) with purchase. Added or changed country, region and segment scope.

It becomes easy to determine the pulse of the market with this detailed analysis of the shipping software market. Key players can find all competitive data and market size of major regions like North America, Europe, Latin America, Asia-Pacific and Middle East. As part of the competitive analysis, certain strategies are profiled which are pursued by key players such as mergers, collaborations, acquisitions and new product launches. These strategies will greatly help industry players to strengthen their position in the market and grow their business.

Answers to key questions in the report:

1. Who are the top five players in the shipping software market?

2. How will the shipping software market evolve over the next five years?

3. Which products and applications will capture the lion’s share of the shipping software market?

4. What are the Delivery Software Market drivers and restraints?

5. Which regional market will show the strongest growth?

6. What will be the CAGR and size of the delivery software market throughout the forecast period?

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Police are asking for help with Brookline Arson & Murder Cold Case


BROOKLINE, MA – Maine State Police are asking for help in solving a cold case involving a Brookline resident who died in a vehicle fire in Amherst on April 5, 1976.

James Cassidy, who was a senior Brookline Trust Bank executive at the time of his death and owned a stamp collecting business in Chestnut Hill, was found burned to death inside his green 1971 Chrysler station wagon on a wooded road near route 9.

An investigation determined that the vehicle fire was the result of arson. Forty-six years later, authorities are looking for more information about the fire and Cassidy’s death.

Find out what’s happening at Brooklinewith free real-time Patch updates.

Anyone with information about the cold case is asked to contact the Maine State Police Major Crimes Unit – North at 207-973-3750 or leave a tip here.

To request removal of your name from an arrest report, submit these required elements for arrestreports@patch.com.

Response rules:

  • Be respectful. It is a space for friendly local exchanges. No racist, discriminatory, vulgar or threatening language will be tolerated.
  • Be transparent. Use your real name and back up your claims.
  • Keep it local and relevant. Make sure your answers stay on topic.
  • Review the Patch Community Rules.

New wind farm project in Scotland with around 35 MW sold to Capital Dynamics


DGAP-News: Energiekontor AG / Keyword(s): Agreement/Assignment
05.04.2022 / 08:46
The issuer is solely responsible for the content of this announcement.

  • “Pines Burn” already third wind farm project sold to Capital Dynamics

  • Nearly 100MW of Energiekontor’s project pipeline in Scotland already successfully sold

  • It is estimated that the wind farm project will reduce greenhouse gas emissions by more than 0.5 million metric tonnes over its lifetime and thus contribute to Scotland’s goal of achieving the ” net zero” by 2045

Bremen/London, 5 April 2022 – Energiekontor (ISIN DE0005313506), a leading German project developer and operator of wind and solar farms, has sold another wind farm project in Scotland to Capital Dynamics, an independent global private asset management firm. Pines Burn is a 34 MW off-the-shelf, grant-free onshore wind project located in the Scottish Borders, Scotland, and is expected to enter commercial operation in the second half of 2023.

Pines Burn is already the third wind farm project sold by Energiekontor to Capital Dynamics in Scotland after the Longhill and Sorbie wind projects in 2021. Thus, almost 100 MW of Energiekontor’s project pipeline in Scotland has already been successfully sold. .

“The realization of our Scottish project pipeline continues to gain momentum. In less than a year, we have already been able to sell almost 100 MW of wind projects. We are particularly pleased with the continued cooperation with Capital Dynamics , as a renowned and reliable company and a solid partner.” explains Peter Szabo, CEO of Energiekontor. “We will continue the successive and successful completion of our well-filled pipeline of projects in Scotland in the months ahead. In doing so, we are also helping to increase Scotland’s independence from fossil fuels and achieve its goal of reaching “net zero” by 2045.”

“With the growing importance of energy security in Europe, we are delighted to add the Pines Burn Wind Farm to our extensive program of investments in building new renewable energy generation capacity across the continent,” said said Barney Coles, co-director of Capital Dynamics Clean Energy. “Our long-standing collaboration with Energiekontor continues to deliver infrastructure that will support long-term reductions in household energy bills and create local green jobs that support the UK’s ‘race to the top’ agenda while making a significant contribution to its net zero ambitions.”

The project will make significant financial contributions to local community groups. During the construction of the project, the site will employ more than 85 workers, many from the region. In addition, Pines Burn is estimated to reduce greenhouse gas emissions by 0.5 million metric tonnes over its lifetime and generate the equivalent of the electricity consumption of over 23,200 UK households. means per year. (1).

About Energiekontor AG
A solid commercial policy and a great experience in renewable energies: this is what Energiekontor has stood for for more than 30 years. Founded in Bremerhaven in 1990, the company is one of the pioneers in the industry and is today one of the leading project developers in Germany. Its core business ranges from planning and construction to the operational management of wind farms in Germany and abroad and was extended in 2010 to solar energy. In addition, Energiekontor operates wind and solar parks with a nominal output of around 330 megawatts in its own portfolio. Energiekontor AG also aims to play a pioneering role economically and to realize the first wind and solar parks as quickly as possible in all target markets at market prices, independent of state subsidies.

In addition to its headquarters in Bremen, Energiekontor has offices in Bremerhaven, Hagen im Bremischen, Aachen, Augsburg, Bernau near Berlin, Potsdam, Berlin-Spandau and Hildesheim. The Company also has offices in England (Leeds), Scotland (Edinburgh, Glasgow), Portugal (Lisbon), USA (Houston/Texas and Rapid City/South Dakota) and France (Toulouse, Rouen) . The proud record of achievements since the creation of the company: 130 wind farms and 12 solar farms completed with a total production of more than 1 gigawatt. This corresponds to an