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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.

Royal Mail stamp exchange: When do old stamps expire?


Britain will soon replace the red, blue and gold stamps with brand new purple and green stamps. Royal Mail said the move was due to a “modernization campaign” and that barcoded stamps will enable additional security features and aid operational efficiency.

What timbres change?

Old “definitive” stamps, such as gold, red and blue stamps, will all change.

The stamps will look largely the same, with the Queen’s profile, first introduced in 1967, still in use – but colors will be changed and barcodes added.

First class stamps will turn purple, second class stamps will turn green, large first class stamps will turn blue, and large second class stamps will turn dark blue/teal.

The barcodes match the color of the stamp and are positioned along the queen’s head, separated by a line of perforation.

READ MORE: Royal Mail hikes First Class stamp prices by 12% – ‘scam’

When will old stamps expire?

You still have plenty of time to use up all your old stamps as Royal Mail has confirmed they will still be valid until 31st January 2023.

Royal Mail has also confirmed that special stamps with images and Christmas stamps without barcodes will remain valid beyond the deadline.

If at this time you still have old stamps for which you have not found a use, you can exchange them for new stamps free of charge using the “Swap Out” program.

Rugby News for Friday 24/06/2022 – Green and Gold Rugby


Rugby news for Friday 06/24/2022

It’s not Hoss today. Go with it. Hoss has Covid and it’s a risk factor for being a misanthropic heavy drinker! check. Please use these same thoughts and prayers who were so effective in stopping Seppo’s one-sided shootouts.

Today’s news sees possible Wallaby combinations at full-back, Sir Clive Woodward’s take on Eddie Jones and more on brain damage.

back row wallaby

Rob Valetini unloads with the basketball pass
[Rob Valentini offloads with the basketball pass during the Rugby Championship Test between Australia and Argentina at CBus Super Stadium on 2 October 2021 in Gold Coast, Queensland, Australia. (Photo by Stephen Tremain)]

SMH’s Wayne Smith gave his thoughts on Australia’s back row options. The Reds presented Harry Wilson with the Stan Pilecki Medal for peer-voted player of the season while Rob Valetini is well in line for his second straight Brett Robinson award when the Brumbies host their big night after the England series.

It’s hard in the extreme to build a case for NOT using both Valetini and Wilson in the starting lineup against Eddie Jones’ men, but Wayne Smith does.

Valetini has become the tip of the spear when it comes to the Wallabies attack, carrying fearlessly into the heart of the defence. Wilson, too, is a dynamic ball runner but of a different variety. He was left at home after the Wallabies spring tour last November to work on his footwork and did so well in that regard that he was the only striker in the top 10 in yards carried (1036m) in Great Rugby. Add to that a season in which he finished in the top 10 in tackles and offloads and his value becomes all too obvious.

But is Australia overcharging in one area? Rennie coached the Wallabies for 20 Tests, but he only used Wilson for 10 of them. Valetini, on the other hand, has been a regular, capped 18 times by Rennie and appears to be becoming one of the back-row constants alongside flanker and captain Michael Hooper.

Rob Leota (Rebels) is the No. 6 Test holder, having taken advantage of Wilson’s absence on the spring tour to make his international debut. He’s arguably a top roster jumper, but his biggest asset is the physique he brings to the blindside. With an injured Lachie Swinton kicked out of the squad, Leota could be the man to make an impression. Still, he too has had an injury-hit campaign and can the Wallabies be sure to take the same workload off him?

The other alternative is to use Jed Holloway at six. The Waratahs veteran has demonstrated throughout his career that he is just as capable in the second line as he is in the loose role, making him an ideal reserve. Yet there is a vertigo to his game, pure rugby intelligence, which would make it very tempting for Rennie to release him against England.

After weighing all his options, Rennie may find himself at the very beginning. In his first test as Wallabies manager, in October 2020, he selected a back row of Valetini, Hooper and Wilson against the All Blacks in Wellington and deserved to get much more reward than just a draw of 16. Valetini was at No. 8 that day and Wilson was six, but a position swap now would certainly be in order.

There is a terrific look at the Wilson-Hooper-Valetini unit. Perhaps not as menacing as Toutai Kefu, Dave Wilson and Matt Cockbain, the last backline combination to win a World Cup for Australia. But who is that to say?


July 2: First Test, kick-off 7.55pm AEST at Optus Stadium in Perth

July 9: Second Test, kick off 7.55pm AEST at Suncorp Stadium in Brisbane

July 16: Third Test, kick off 7.55pm AEST at Sydney Cricket Ground

Clive speechless (not that one)

Rugby 365 reports that World Cup-winning manager Clive Woodward has once again ridiculed Eddie Jones following England’s loss to the Barbarians at Twickenham.

England flew out on their three-Test tour of Australia on Tuesday following a 21-52 spanking by a 14-man Barbarians side who lost ‘Jagged Little Will’ Skelton to a red card in the first half -time.

For some time now, the 2003 World Cup-winning boss has been extremely critical of Jones and his run of deflating results in recent years in charge of England.

He gave Jones both barrels in March after the end of a second straight Six Nations campaign with just two wins in England from five matches, and he has since reloaded and fired another series of shots on the back of what materialized at Twickenham two days before the team flight. from Heathrow for the start of their tour.

Woodward criticized England for allowing the tour’s warm-up match to become, in his view, a farce.

“I was disappointed in George Kruis for allowing this to happen, especially his antics around his backheel conversion. I can’t imagine Phil Bennett laughing at that,” he wrote.

“It was also a mistake to allow French manager Fabien Galthie and the other French players to do whatever they wanted at Twickenham. That says a lot about this England team. To concede 50 points against an opponent with 14 men was beyond mediocre, but allowing showboating said a lot about the team. Something had to happen and it didn’t.”

“Can you imagine New Zealand or South Africa letting a Barbarians team come to Auckland or Pretoria and take the mickey? But does anyone at the RFU really care – or, more importantly, understand the relevance – or was it just another game, another day, a chance to boost the finances?

Woodward added that the time has come for the RFU to appoint a director of rugby above Jones to sort out the mess England are currently experiencing.

“Giving Eddie Jones the keys to Twickenham holds England back in many ways,” He continued.

“Some of the rhetoric that Jones continually comes out is just plain stupid and on that level it doesn’t help. I’ve seen some of his quotes about the squad for the upcoming Australia tour and that was a ‘good mix of youth and experience.

“It should be absolutely nothing about it. It’s about picking your best starting XV, but we lost it under Jones. Choose your team based on the best team to represent England, nothing to do with age or experience – it really isn’t that hard if you know what your best XV is.

“But nobody knows who the best team in England is and it seeps into the mindset of the players. England went from near the top of the world at Japan 2019 to, at best, a professional side which few people currently respect. Beginners, finishers, apprentices – we can’t even name a captain until we get to Australia!”

Meanwhile, aviation pioneer Nic White called Jones “the mastermind” according to Nathan Williamson.

“But you know, when they ask the question of who you would like to have dinner with, it comes to mind right away.”

“I would love to pick his brain, it’s obviously a brain.”

“His name in World Rugby carries so much weight. When he speaks you have to listen to him because he’s seen it all, he’s been successful at all levels and he’s obviously a very good coach.

“He’s someone I really admire.”

“Penalizing players no cure for concussion”

Embed from Getty Images

According to The Guardian’s Michael Aylwin, rugby’s approach to concussion simply doesn’t work. Another year, another round of concussion statistics as high or higher than the last. This year is actually the highest on record since the program began in 2002.

Admittedly, at some point the dime will fall that wild red-card Wild West rugby officially launched on January 3, 2017, five-and-a-half years ago, but unofficially even before that doesn’t work – and it never will. . Expelling players and banning them for the ugliest (although far from the only) examples of head contact is supposed to act as a deterrent, but worldwide deterrents only work when targeted offenses are the result of a deliberate decision. made by the authors at their right time.

No rugby player today deliberately hits an opponent in the head (because he is liable to be sent off for that apart from anything else), and the time for deliberation over his actions is measured in fractions of a second. . Anyone who repeats the mantra that they just need to aim lower is invariably sitting in an armchair with Twitter open.

The idea is to eliminate standing tackles, but watch any game for five minutes and count the number of standing tackles. They are everywhere and very often the safest option. So what we’re really saying to players is: “Don’t attack standing up. Except when you should. And if you’re wrong in that split second, it’s game on.

The key factor is what neurologists call the “cumulative dose” of energy injected into the brain. In other words, how many times over a long career players’ brains are shaken, which is a constant in a sport like rugby union. It doesn’t even have to be direct contact with the head. As the instrumented mouthguards used by Harlequins and others reveal, more than half of the cumulative force experienced on the skull by a Premiership player comes from collisions that don’t involve the head at all.

Recent changes to the return-to-play schedule only tip the tip of an iceberg. We need to stop viewing concussions as separate from the hundreds of other times brains are shaken during a rugby game. All sit on the same scale, and they all count. Those deemed concussive are only those that trigger immediate and observable symptoms. At least they cause the punch to pause when the concussed player is taken out of the scrum. It’s the players who don’t show symptoms that you have to worry about, because they carry on.

The way out of the CTE crisis, realistically, rugby is in the hands of science. Developing some sort of therapy that could alleviate brain damage during a player’s career is the most plausible solution. Who knows? Neuroscience is on the eve of all kinds of breakthroughs.

However, what will never alleviate brain damage, or even just how much of a laughingstock rugby is in the eyes of so many around the world, is sending innocent players off the pitch for incidents they have no hope of avoiding. It’s not looking after them; it is betraying them. It’s rugby that blames the players for the way rugby is.

A hostile environmental relay went from Theresa May to Priti Patel – and a decade of cruelty | Kamila Shamsie


In 2001, Nobel laureate Abdulrazak Gurnah published By the Sea, the story of Saleh Omar, a man who arrives at Gatwick airport as a refugee. The Borders officer he speaks to says his parents also came to Britain as refugees: “But my parents are European, they have a right, they are part of the family”. He goes on to say, “You don’t belong here…and we don’t want you here. We are going to make life hard for you, make you suffer indignities, maybe even do you violence.

Omar is far from indifferent, but he carries with him an important knowledge: he knows that under the British government’s own rules, he is entitled to asylum, and although the official may spit racist language, he does not will finally have no choice but to stamp Omar’s passport and let him pass. As indeed he does.

I read the novel twice, 20 years apart. The behavior of the official does not become less appalling but, all the same, I read the scene at Gatwick very differently the second time around. In Priti Patel’s Britain, I was struck by how lucky Omar was to encounter laws that are better than the people whose job it is to uphold them.

This year, the year of the Rwanda Asylum Plan, we mark 10 years since Theresa May, as Home Secretary, introduced the Hostile Environment Policy. Soon after, the coalition government set up the Hostile Environment Task Force, made up of 12 government departments, including schools, care services and health. What does it do to the fabric of British society if the NHS is required to pass information to a Home Office as part of a hostile environment policy? What kind of country asks its doctors to spy for the government? Cruel, to begin with. Cruelty has become normalized to the point that it’s possible to read Saleh Omar’s racist encounter and think of the word ‘lucky’.

To better understand this normalization, it is instructive to go back to 2013 and the government-sponsored billboards on the sides of vans, with the message ‘In the UK illegally? Go home or face arrest.” When the van reports were first made public, there was an encouraging oddity of voices condemning the Home Office.

But within months the media began to report the failure of the policy in terms of the number of people – 11 – who had self-deported because of the vans. Phrases such as “only 11 people” implicitly adhered to the government’s own reasoning that more deportations mean more success. What the media hasn’t told us about the “just 11” are their names, their stories.

Six years later, The Guardian’s Amelia Gentleman reported the story of Joycelyn John, who arrived in Britain legally aged four from Grenada, but lost her passport with the ‘permission to indefinite stay” which proved his status. She was classified as an illegal immigrant in 2014 and threatened with deportation letter after letter from the Home Office, despite the 75 pages of evidence she had gathered to prove she had spent her life in the UK. John lived another two years in this hostile environment, unable to work or use public services, until the terror of being chained up and expelled, and the despair of being in debt, drove her to the auto -deportation. She describes herself as “suicidal”.

Eventual outcry over the stories known as the Windrush Scandal allowed John to eventually return to the UK. But “scandal” is far too soft a term to describe what happened. Windrush’s atrocity is closer to the mark. The minimum that we should be able to expect from our government is certainly a recognition of human dignity.

“Joycelyn John lived in a hostile environment, unable to work or use public services, until the terror of being chained up and deported drove her to self-deportation.” Photography: Yves Salmon/The Guardian

And now we have the thwarted, but not defeated, returns to Rwanda. The government learned a little from the atrocity of Windrush. He is aware that those facing deportation to Rwanda may turn out to be the sort of people most Britons do not want to deport. For example, the former Iranian police commander who refused to fire on protesters during an anti-government demonstration. The UK government doesn’t want to have to explain why someone like that doesn’t even have their asylum claim considered. Thus, he keeps repeating that his real target is the “evil” of human trafficking.

Outrage and normalization – this is the pattern we need to break. Outrage over deportations from Rwanda; the current normalization is now one that divides asylum seekers into two tiers: those who enter through “safe and legal” channels and all others, who are classified as brought in by smugglers.

When I hear the term hostile environment, I find myself thinking of a man whose name is not John. I met this man through the Refugee Tales project, which pairs writers with people who have had experience of the UK asylum system. He had been tortured and imprisoned in his old country, and did not want the government he had escaped to pay attention to him. But he wanted me to use his first name when I wrote about him. Just before the article went to press, he had a request. Can I change his name to John? His asylum claim had been accepted in the UK, but he had to reapply every three years for 15 years before he could qualify for indefinite leave. Now he was afraid that his lightly worded words about the asylum system would be reason enough for his next application to be denied. I often think of the man whose name is not John.

Then I think of myself and how lucky I was on my own path to British citizenship: I was never an asylum seeker; I have never been threatened with detention; I came to the UK on a writers, artists and composers visa, and was able to easily upgrade to a tier 1 visa. The immigration official who granted my first visa extension was not only human but kind, and then responded to an email query with a PS to say he had heard me on Radio 4 and that I had “sounded good”. Despite all this, until I became a citizen, I did not write fiction set in contemporary Britain, for the nature of my fiction is such that it cannot help but enter the politics and, like the man whose name is not John, I was afraid that my words would annoy the wrong person and that my request for a visa extension or citizenship would be refused. Once I got my passport, in 2013, I thought, now I can write freely. But just weeks after becoming a citizen, I read an interview in which May signaled her intention to dramatically increase the use of citizenship withdrawal powers.

And now we are in the era of Priti Patel, when migrants and their children feel they may never be fully and unequivocally sure of their right to continue living in Britain. There are times, and writing this essay is one of them, when I feel the hostile environment within me as a core of fear that never goes away.

Still, I am grateful for that kernel of fear. It brings with it a sense of injustice, a desire for change. It makes it possible to acclaim victories, of which the cessation of Rwandan flights is only the most recent. In 2018, schools stopped collecting information on pupils’ nationality and place of birth, and NHS Digital announced that it had stopped sharing data with the Home Office. Last month the government announced that under-18s who are cared for by a local authority will no longer have to pay the £1,012 fee to register as British citizens. Activists blocked evictions and deportation flights. Lawyers obtained release orders for so many of those in detention. Those who thought they were alone have discovered that they are not.

Behind all the victories of the last decade, there are activists and organizations that have never given in to the luxury of hopelessness or despair. None of their victories were “small victories”. Everyone transforms lives.

  • This is an edited version of a lecture for Migrants organize themselves. The full text can be found here. Kamila Shamsie’s most recent novel is Home Fire, winner of the 2018 Women’s Prize for Fiction

Student loan forgiveness scams are on the rise, CFPB warns


Fraudulent companies promising student debt relief have scammed borrowers out of hundreds — and sometimes thousands — of dollars, according to a new CFPB report. (iStock)

The Consumer Financial Protection Bureau (CFPB) has said so saw an increase in complaints of student borrowers about scammers promising debt forgiveness or forbearance extensions. In some cases, borrowers have reported being defrauded of hundreds or thousands of dollars.

Programs authorized for student loan relief include Public Service Loan Forgiveness (PSLF), School Holidays Closed, Borrower Defense of Repayment, Income Based Repayment Plans (IDR), COVID-19 administrative forbearance and federal payment deferral.

Another legitimate debt relief option is refinancing, in which you pay off your current student loan with a new loan through a private lender who offers more favorable terms, such as a lower interest rate. or a monthly payment. But it is important to note that refinancing your federally held student loans into a private loan makes you ineligible for the government-sanctioned programs above.

Keep reading to learn more about how you can avoid falling victim to student loan forgiveness scams, as well as your legitimate repayment options like refinancing. You can visit Credible to learn more about refinancing your student loan debt.


5 red flags of student loan forgiveness scams

Given the complex nature of student loan servicing, some borrowers may participate in scams without fully understanding their legitimate options. If an unknown company approaches you to offer you debt management or cancellation services, the CFPB said there are a few red flags to watch out for:

  1. Bill you in advance for services that should be free. The Department of Education does not charge fees for the Deferment, Forbearance, Loan Consolidation, and Federal Student Loan Forgiveness programs.
  2. Use sales tactics, including limited time offers. The programs offered by the Department of Education do not require a sense of urgency that pushes you to make a quick decision.
  3. Urging you to cut off communications with your student loan officer. Keep seeing your repairer regularly and keep making monthly payments to avoid becoming delinquent.
  4. Pretending to be affiliated with your loan manager. If you have questions about the legitimacy of a company, call the number on your billing statement or log into your repairer’s online portal.
  5. Request personal information by telephone, such as your Federal Student Aid (FSA) ID and password, social security number, or banking information. This allows scammers to cut you off from your loan service and steal money directly from your bank account.

If you believe you have been contacted by a scammer, contact your bank immediately to block any scheduled payments. You should also contact your loan servicer to protect your account and submit a report via the Federal Trade Commission (FTC).

And if you’re struggling to make your student loan repayments, you might consider enrolling in an IDR plan or requesting a deferral on the FSA website. You may also be able to lower your monthly payments by refinancing a private loan at a lower interest rate. You can visit Credible to compare student loan refinance rates for free without affecting your credit score.


Is student loan refinancing a scam?

Unlike the student loan forgiveness or forbearance scams described by the CFPB, student loan refinancing is a legitimate method of paying off debt. However, that doesn’t necessarily mean that refinancing your student loans is a smart move. Here are some ways to determine if student loan refinancing is the right strategy for your financial situation:

  • Consider your current repayment terms. You can find your interest rate, loan amount and repayment date on your loan agreement. You should also think about the type of student loan you have, such as federal or private. Refinancing your federal student loans through a private lender makes you ineligible for certain programs such as IDR plans and the current payment break, which expires in September.
  • See what refinance rates you qualify for. Most lenders allow you to be prequalified to see your estimated interest rate with a soft credit check, which won’t hurt your credit score. If you qualify for a lower rate than you are currently paying, you may be able to save money on interest charges over the life of the loan.
  • Use a student loan refinance calculator. Enter your current and desired loan terms into a student loan refinance calculator, like this one from Credible. This can help you estimate your new monthly payment, total interest charges, and potential savings.

You can browse current student loan refinance rates from private lenders in the table below. Then you can be prequalified with multiple lenders at once in Credible’s student loan marketplace.


Do you have a financial question, but you don’t know who to contact? Email the Credible Money Expert at moneyexpert@credible.com and your question might be answered by Credible in our Money Expert column.

Looted Nazi gold ‘found on sunken U-boat’ in hidden Caribbean location


A Nazi submarine full of looted gold may have been ‘smuggled out of Europe’ after World War II, a treasure hunter has claimed.

It is believed that Adolf Hitler ordered his devastating submarines to smuggle looted gold and art, and possibly even the bodies of Nazi officers, out of Germany.

American explorer Roger Miklos said in 1981 that he once found one of the specially modified war submarines that had been filled with gold, writes Express.co.uk.

READ MORE: School prohibits hugs, high-fives and handshakes under strict no-touching rules

The famous treasure hunter who died in 2018 never revealed the exact location of his find, but said it was one of nine cargo submarines in the Turks and Caicos Islands, according to History Channel UK .

Adolf Hitler reportedly ordered looted treasures smuggled out of Nazi Germany

Submarines – short for “unterseeboot” (submarine boat) – wreaked havoc in the Battle of the Atlantic until Germany’s defeat in 1945.

German U-boats swarmed the Atlantic Ocean, sinking merchant ships with torpedoes as they crossed the United States towards Britain and the Soviet Union.

Mr Miklos’ documents were given to diver and explorer Mike Fletcher, who is researching the submarine in the US History Channel documentary, ‘History’s Greatest Mysteries’, released in September.

Speaking on the show, Mr Fletcher said: ‘We know there are billions of dollars in personal property looted.

The soldiers carry three valuable paintings that were part of a collection looted by the Nazis in conquered countries
The soldiers carry three valuable paintings that were part of a collection looted by the Nazis in conquered countries

“Gold, all kinds of precious materials that disappeared during the war.

“It certainly made sense that some of this could have been loaded onto the submarines to smuggle them out of Europe and into safe haven.”

Mr. Fletcher, who has 40 years of experience as a wreck explorer, leads a small team to search for the submarine.

The group collects the clues left by Mr. Miklos after his death, including sketches and codes.

German Type VIIA U-34 submarine sank 19 Allied ships before sinking in 1943
German Type VIIA U-34 submarine sank 19 Allied ships before sinking in 1943

The evidence is all enigmatic due to the late treasure hunter’s fears that one of his rivals would swoop in and steal his find.

Mr. Miklos rose to fame as a top treasure hunter after a series of high-profile discoveries.

One of his most impressive finds is the ship Atocha, lost in 1622, which was carrying tens of millions of dollars worth of treasure.

German U1 submarine on sea trials in 1935
German U1 submarine on sea trials in 1935

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His announcement 40 years ago that he had discovered one of Hitler’s lost submarines sent the treasure-hunting world into a frenzy.

At the time, Mr Miklos was in the Turks and Caicos Islands looking for the Pinta, a ship used by Christopher Columbus to travel to the “New World” in 1492.

After his crew’s magnetometer took a reading, Mr Miklos dived to scan the ocean floor.


Debt Consolidation Drives Second Mortgage Growth


The second mortgage market has seen continued growth with a monthly increase of 54% in April, an increase of 83% over the previous year.

Monthly figures released by the Finance & Leasing Association (FLA) showed the value of new business reached £127 million in April this year, with 2,802 new deals.

Of these, 53% were for consolidating existing loans, 16% for home improvement, and 25% for both loan consolidation and home improvement.

Freedom Finance Chief Commercial Officer Andrew Fisher said he expects to see this continued growth accelerate throughout the year as the current economic environment may cause people to capitalize on equity. real estate following the surge in property prices during the pandemic.

“This has allowed more homeowners to turn to second mortgages as a way to use the value of their property for other purposes. For example, they can now use second mortgages to fund home improvements like installing a home office, improving the insulation of the property, or installing more energy sources. green like solar panels.

“As the cost of borrowing rises and household budgets are tight, debt consolidation is likely to be another major theme in the current inflationary shock, and second mortgages may be a timely and favorable to erase or reduce existing debts.

Fisher added: “Given the recent rise in interest rates and potential further hikes by the Bank of England, those with longer term solutions may be reluctant to remortgage given that they would likely move to a more expensive rate and could also face a high prepayment charge – second mortgage loans meet the needs of these customers very effectively. »

Financial adviser at Spellman Financial Services, Luke Spellman said he had seen a large number of candidates looking to free up equity in recent months, with notable reasons being debt consolidation and home improvements which he said , go hand in hand with the rising cost of living. ”.

Spellman said: “The reason applicants are likely to turn to second mortgages instead of new advances from their existing lender could be because applicants don’t meet affordability or credit criteria with their existing lender.”

Earlier this month (June 2022), LV released figures showing that 12% of retirees had outstanding mortgage debt when they retired, while a third of mortgage holders don’t think that they will have paid off their mortgage at age 65.


Constance Alexander: In-Depth Study Reveals Past Glories and Records WKY’s Declining Political Influence


In 1988 when I moved to Kentucky and registered to vote, the clerk laughed when I expressed my preference to register as an “independent.” Intrigued by his reaction but – considering a glued-on bumper I’d recently spotted that read, “Never mind how you did it up North” – I didn’t inquire about his reaction.

Shortly after, a new friend from western Kentucky brought me up to date. “If you want to have a say in who gets elected,” he said, “you have to register as a Democrat and vote in the primaries.”

Since that orientation to my new Kentucky home thirty-four years ago, I have seen a sea change away from almost everything – Democratic politics. Today, the Republican über alles now extends to the extent that a number of political contests have no Democrats running. In other words, “blue dogs” and donkeys need not apply.

The cover design of George Humphreys’ meticulously researched new book, “The Fall of Kentucky’s Rock,” is a captivating depiction of Western Kentucky’s isolation from the rest of the state. Against a red and blue background, Kentucky’s white silhouette is nearly bisected by a red crack. The connection between the western part and the rest is hanging by a thread.

In the preface, Dr. Humphreys explains that the area’s history is underestimated because its historiography draws heavily “on events and people in central and eastern Kentucky”.

It amplifies the point with a geographic, economic, and historical overview that provides context for various, sometimes conflicting, definitions of the region.

Like the story of the blind man and the elephant, western Kentucky is viewed in many ways. For some, loyalty to the Confederacy defines the region; for others, it is the production of black tobacco, the Jackson Purchase, the coalfields of the region.

According to Penny Miller’s analysis of Kentucky politics, the region is united by a commitment to the “virtue of rural living.”

The state motto, “United we stand, divided we fall”, is a matter of opinion and, according to Humphreys, most scholars agree “there needs to be more precision in defining areas of the Commonwealth”. .

From this framework of ambiguity, readers of “The Fall of Kentucky’s Rock” are guided chronologically through the phases of the region’s demise, beginning with the New Deal. This era began when rural electrification was in its infancy and indoor plumbing was scarce on the farm. Dirt roads and the lack of bridges made travel difficult. With the economy spiraling as the Depression set in, banks failed, people were out of work.

Madisonville’s Ruby Laffoon was elected governor, backed by support from western Kentucky newspapers and enthusiastic endorsement from Alben Barkley in her hometown of Paducah. The pair jumped on the Franklin D. Roosevelt bandwagon, with Barkley delivering a speech at the Democratic convention in Chicago asking his cohorts to “remove from the body of our nation the dead flesh and rotten bones resulting from twelve years of quackery.” republican”.

“The Fall of Kentucky’s Rock” is rich in nuggets of information and memorable quotes like Barkley’s. In the chapter “From the Great Ohio River Flood to the Atomic Age”, readers learn that FDR’s inauguration occurred as the massive flood of 1937 ravaged the Ohio River Valley. With snow and ice hampering rescue efforts, approximately 30,000 western Kentucky residents were evacuated to nearby towns.

Paducah’s civil authority has collapsed, according to a Feb. 1 editorial in the Paducah Sun-Democrat: “Kentucky’s second-largest industrial city is no longer a city, but a complicated arrangement of small islands of homes, shops , churches and office buildings. protruding miserably from the edge of endless miles of murky brown water.

A section of historical photographs in the center of the book allows readers to put faces and names together. An eye-catching example features former Governor Wendell Ford of Owensboro with Governor Happy Chandler. Smiling in delight, the two keep a fake diary with the headline “Democrats Nominate ‘Happy’ for President”, a dream that never came true.

White male faces predominate, except for an image of DH Anderson, president of the West Kentucky Industrial College, which provided vocational training for blacks in the Paducah area during the Jim Crow era.

“Happy Days and the Last Hooray of State Democratic Party Factionalism,” analyzes Kentucky mid-century. A study titled “Program of Action for Kentucky”, which had strong input from western Kentucky, said that by the early 1940s, Kentucky “had seen some sorry days”.

Despite advances in education, conservation of natural resources, and improved infrastructure, the 1950 census reflected population stagnation “with only the counties of Calloway, Christian, Daviess, Graves, Henderson, Hopkins, Logan , McCracken, Simpson and Warren reporting gains since 1940”.

“The Fall of Kentucky’s Rock” quotes a 1998 article by journalist Al Smith, reflecting on the place of Western Kentucky in Kentucky life and politics. Smith explained that despite the region’s feeling of being neglected and isolated, Western Kentucky had “delivered large Democratic majorities, for which it was richly rewarded with gubernatorial positions and more than its share of leaders.” state legislators and US senators. These posts are also accompanied by public roads, state parks, and state institutions.

As the 21st century dawned, the region’s influence as the Gibraltar of Kentucky’s democracy stagnated. The last page of “The Fall of Kentucky’s Rock” provides food for thought on the past and future of the area. With the final shift to the Republican Party, one might ponder the statement that “west Ky hasn’t reaped the harvest of Frankfort or Washington yet.”

Moreover, Humphreys points out, there is currently no political leader comparable to Democrats Alben Barkley, Happy Chandler, Earle Clements, Ned Breathitt or Wendell Ford.

“The Fall of Kentucky’s Rock” ends with speculation about the leadership vacuum that must be filled “so that Western Kentucky can move forward to meet the very serious challenges of revitalizing the economy. .and create opportunities to discourage further youth emigration.”

Published by University Press of Kentucky, “The Fall of Kentucky’s Rock” should be in every Commonwealth library, in the hands of educators committed to exploring Commonwealth history, and on everyone’s reading lists. interested in understanding how a once strong Democratic voting bloc turned into a conservative stronghold.

A presentation on “The Fall of Kentucky’s Rock” by George Humphreys

Find Waldo Local in the woods


By |

Where is Waldo? In the woods, of course! Hosted by the neighborhood bookstore, Village Books, the iconic children’s book character in the red and white striped shirt and black-edged spec visits twenty-five local businesses in our community in July. Celebrating its tenth anniversary in 2022, Find Waldo Local is a great summer vacation activity and a wonderful way to support local businesses.

From July 1, anyone wishing to participate can purchase a “Find Waldo Local in The Woodlands!” stamp card (which contains the names of all participating sites) at Village Books (9955 Woodlands Parkway, Suite F). With each Waldo they spot, they can have their card stamped or signed by the participating store. To make things a little more difficult, there will be a slightly different Waldo hidden in Village Books. Collecting stamps or store signatures at twenty or more businesses will qualify diligent seekers to enter a raffle for Waldo books and accessories.

Martin Handford’s crowd scene collections took the world by storm in the late 1980s, and the books have held pride of place on bookstore shelves ever since. More than 78 million Waldo books have been sold worldwide and they have been translated into more than thirty languages. An entire generation has grown up looking for Waldo.

Once again, to celebrate Waldo’s longevity and popularity, Candlewick Press is teaming up with the American Booksellers Association and hundreds of independent bookstores such as Village Books across the country for a hide-and-seek game designed for encourage residents to patronize their local businesses. . Participation is free and the fun lasts the whole month of July. For more information on finding Waldo in the woods, call Village Books at 281.771.8462.


More stamps express support for Ukraine


By Denise McCarty

Countries around the world continue to issue postage stamps to show their support for Ukraine.

The latest stamps come from Spain and four countries represented by the new agency Inter-Governmental Philatelic Corp. : Gambia, Grenada, Guyana and Marshall Islands.

Spain issued an undenominated self-adhesive stamp on May 30 titled “Spain with Ukraine”. On June 9, the stamp was listed as sold out on the Spanish Post’s online store, Correos.

The stamp design resembles the flag of Ukraine with blue at the top and yellow at the bottom. In the center is a heart also in the national colors of Ukraine.

The emblems of the Spanish Correos and the Ukrainian post office Ukrposhta are displayed on the left side of the design, and the inscription in Spanish in the upper left corner translates as “Spain with Ukraine”.

Correos reported a print quantity of 640,000 stamps and said the stamps were sold in packs of five.

In a June 9 press release, the IGPC announced that four souvenir sheets on the theme “Peace for Ukraine” would be published during the month of June.

The press release read: “Historically, postage stamps have always transcended politics and borders. Now, to support peace in Ukraine and neighboring countries, government postal authorities around the world plan to issue official postage stamps.

The designs of the four souvenir sheets are different, but all include a single stamp depicting a Dove of Peace, with the border representing the government buildings of Ukraine and Russia.

The IGPC said: “Along with the dove, the stamps also represent the official capital buildings of Russia and Ukraine – a very symbolic expression of compassion and unity for all citizens of the world.”

Sheet stamps are denominated in 250 dalasi (Gambia), 13 dollars (Grenada), 800 dollars (Guyana) and 5 dollars (Marshall Islands). The IGPC reported that the face values ​​of the stamps range from $2 to $5.

The IGPC said the souvenir sheets will be available for purchase at post offices in issuing countries, from stamp dealers and on his website.

Canada Post will issue a semi-postal stamp on July 7 in support of Ukraine (Linns, June 13, page 1). Latvia (Linns, April 11, page 17) and Austria, Croatia, Estonia, Lithuania and Poland (Linns, April 25, page 12) are among other countries that have already issued stamps to show their support for Ukraine after the February 24 Russian invasion.

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John Krondes Makes the Impossible Possible on Weird New Recordings With Elvis Presley’s Original Musical Entourage


Elvis Presley’s best friend and Road Manager Joe Esposito with John Krondes

John Krondes Interviewed by Bray, Co Wiklow, Ireland

Irish singer Carmel Quinn with famous psychic John Cohan

Ireland, the UK, Europe and the rest of the world are increasingly scared and in awe of the unimaginable new epic music masters of John Krondes and the Elvis Hit Team.

LOS ANGELES, CA, USA, June 20, 2022 /EINPresswire.com/ — HOLLYWOOD NEWS… ELVIS IS ALIVE AND THE MEMPHIS SOUND IS BACK!!! It is impossible, say the opponents. Well, it seems the skeptics are now uncertain, and the rest of us are just puzzled, to say the least.

Hollywood’s “Mystery Man” John Krondes proved the IMPOSSIBLE POSSIBLE and walked out of left field; or Orbit should we better say, and the entertainment industry “shook everything up” at the news of its “Pot Of Gold” New Music Masters featuring the original Elvis Presley musicians. Even Elvis Presley’s best man, best friend, and road manager of 20 years, Joe Esposito, was drawn to John Krondes and instinctively took over managing and promoting the John Krondes and Elvis Hit Making Team project until to his death in 2016. The story of Krondes continues to amaze people and unfolds mystifyingly as a series of unexplained events. It all started with THE END which is now a new beginning for Memphis Rock and became the vehicle that sparked the reunion of Elvis Presley’s musical entourage in the studio.

John Krondes’ father Jimmy Krondes co-wrote THE END a/k/a “At The End Of A Rainbow” which was originally recorded by Earl Grant and became an international hit in 1958. Elvis Presley also chose this timeless love song to sing to Priscilla Beaulieu the night they met in Germany. Inevitably, decades later, the composer’s son, John Krondes, met the Jordanaires and recorded his father’s Big Hit THE END with them. The heavy airplay on radio stations around the world eventually attracted the rest of Elvis Presley’s musicians and singers. Radio stations in Ireland, the UK and other intercontinental destinations played THE END by John Krondes. Singer/songwriter John Krondes embarked on a determined Rock ‘N Roll mission to complete the unfinished business of his father Jimmy Krondes and Elvis Presley to save the lost Memphis Sound.

Inexplicably, John Krondes has all of Elvis Presley’s original musicians and singers on dozens of new recordings, the first since 1977. Krondes music masters include the TCB Band, American Sound Studios Band, DJ Fontana, Ronnie Tutt, Jordanaires, Stamps, Imperials, Sweet Inspirations, Elvis Horns, and more. Amazingly, viral news says John Krondes has amassed a treasure chest of almost 100 new recordings with the Presley Hit Team. Many music industry experts agree that John Krondes’ recordings are priceless. Besides being powerful recordings, John Krondes unknowingly captured irreplaceable moments in time and history.

Krondes has Elvis musicians like DJ Fontana, Ronnie Tutt, the original Jordanaires and many more on new recordings, and many have passed on in the process, which makes these new master recordings all the more valuable. In a nutshell, what John Krondes has achieved over the past decade is on par with similar “impossible” demands to re-enact the original Beatles and Van Halen. All the fortunes of Bill Gates, Warren Buffet and Richard Branson could not make this possible. But through a continual series of unexplained reasons, or as some Orders From Rock ‘N Roll Heaven suggest, John Krondes was disconcertingly able to MAKE THE IMPOSSIBLE POSSIBLE.

The music industry and fans everywhere are puzzled as to how John Krondes was able to tackle such impossible feats. Speaking of the impossible; “It’s Impossible” is one of the magical new songs in the John Krondes collection. It was TCB Joe Esposito who commissioned the recording of this song by John Krondes and the Elvis musicians.

In another twist of fate, Jimmy Krondes (John’s father) was the person who showed the song “It’s Impossible” to Perry Como while working at RCA Records. Jimmy Krondes asked Perry Como to sing the song and promoted it for RCA, which became his biggest hit. Elvis Presley and many other greats sang “It’s Impossible” afterwards.

Knowing of Jimmy Krondes, Perry Como and Elvis Presley’s special connection to the song, Joe Esposito felt it was very important for John Krondes to make a new recording in their honor. Criterion/Universal Music’s Joe Esposito and publisher Bo Goldsen helped launch a new wave of recordings such as “It’s Impossible”, “My Way”, “Welcome To My World”, “Always On My Mind” , and several originals just before their death in 2016. These songs and more are being completed in 2022 with the recording of horns and strings.

Psychic To The Stars John Cohan, who has current readings on Paul McCartney, Mick Jagger, Prince Harry and Meghan Markle, explains the John Krondes phenomenon, saying: “It had to happen. John Krondes meeting all the musicians from Elvis Presley and making new music was no accident at all. It’s all in the cards, it’s predestination, and it’s all connected”.

Don’t worry fans, the John Krondes musical train is still on the loose. Although some of Elvis Presley’s original musicians have passed away, the Hit Team project has become a major casting call. Many other music legends like Liberty Devito, Richie Canatta and more are surfacing to continue the next chapter of Memphis Rock with John Krondes and the remaining Presley players. There’s a lot more music and Rock ‘N Roll News coming from the John Krondes team. Keep watching and stay connected to John Krondes and the Elvis Hit Making team!

Follow John Krondes on Instagram, Facebook and Twitter @johnkrondes for more rock ‘n roll news, music and information. Check out John Krondes’ Instagram Reels: “It’s Impossible” John Krondes; THE END… A new beginning; also hear Perry Como “It’s Impossible”. See also John Krondes featured at www.hollywoodnewscenter.com/featured. Contact PR – Ed Lozzi, Edward Lozzi & Associates PR * 310-922-1200 * www.lozzipr.com. Stay tuned Fans, there is definitely more to come!!!

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Shevyn Roberts for Hollywood News Center Reports On John Krondes And The Elvis Hit team

Venom’s First Cover, Amazing Spider-Man #316, Has Bids Over $400



amazing spider man #316 was released over a year after Marvel’s Venom first appeared. This is only the character’s third appearance, but their first appearance on the cover, which – notably drawn by Todd McFarlane, has made it a collector’s item lately. That’s why this 9.8 CGC-slab copy of amazing spider man #316 will fetch a pretty penny on Heritage Auctions’ current auction list for such titles and has bids totaling over $400 so far and rising, before going under the hammer later today. Recent eBay sales of this comic at this level have seen copies go for just under a thousand dollars, so as it stands it’s a pretty good deal considering the market.

Amazing Spider-Man #316 has bids over $400 at auction right now at Heritage Auctions

The Amazing Spider-Man #316 (Marvel, 1989) CGC NM/MT 9.8 White Pages. First appearance on the cover of Venom. Black cat appearance. Cover and illustration by Todd McFarlane. Overstreet 2021 NM-9.2 value = $100. CGC 6/22 census: 1416 in 9.8, 11 above.

Written by David Michelinie and drawn by Todd McFarlane, the comic teases, “Venom may be stalking a spider, but he found Black Cat instead! What happens when Eddie Brock finds out Peter’s address? Parker?” Eddie Brock as Venom attempts revenge on Peter Parker, Spider-Man, after escaping from being imprisoned in the Vault – but he only has Parker’s old address, and it’s where Venom meets the Black Cat, also looking for Spider-Man. Mary Jane also sees Venom in their old home, causing Peter Parker to take a proactive approach to finding Venom rather than waiting to be hunted down. The fight ends in a draw, but Venom gets a change of address card from Peter’s clothes that reveals exactly where to find him…the game continues.

Amazing Spider-Man #316 has bids over $400 at auction right now
Amazing Spider-Man #316 has bids over $400 at auction right now at Heritage Auctions
Sponsored by Heritage
Posted in: Comics, Comic Books, Heritage Sponsored, Marvel Comics, Spider-Man, Sponsored | Tagged: auction, spider-man, venom

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Andhra Pradesh: 178 fish and mutton sellers booked for deceiving customers


Officials from legal metrology and vigilance and enforcement departments cracked the whip on fish, mutton and chicken vendors across the state on Sunday.

They found that some vendors were cheating customers by selling them meat that weighed less than what customers were paying.

“As many as 178 chicken, fish and mutton vendors, who deceived customers by using non-standard (duplicate) weights and instruments without seals and stamps from the Legal Metrology Department, have been arrested,” Shankha said, additional general manager of Vigilance and Enforcement. Brata Bagchi.

“More than 100 teams raided meat vendors across the state on Sunday. Joint teams of Vigilance and Forensic Metrology personnel inspected the operations of more than 500 vendors and found that some of them were misleading customers,” Bagchi said.

Legal metrology officials said raids were carried out on all major fish and mutton markets in Eluru, Kakinada, Bhimavaram, Guntur, Machilipatnam, Rajamahendravaram, Nellore, Srikakulam, Visakhapatnam, Ongole, Vijayawada and others locations.

“Some vendors were deceiving customers with duplicate scales and a few were deceiving the public by using unsealed weights (not issued by the legal metrology service),” an inspector said.

Cases have been filed under sections 25 and 30 of the Legal Metrology Act 2009. Raids will continue, officials said.

“If a customer buys 1 kg of fish, the seller gave fish weighing only 800 grams, but collected money for 1 kg. If the trader were to sell 5 kg or more, the difference would be around 1 kg. Traders cheat the public out of a few hundred thousand rupees every day,” said a customer B. Ramakrishna from Eluru.

G. SAM PIATT: Bill Questel and the Merchant Navy | Sports


William L. “Bill” Questel was born in Portsmouth on March 30, 1926, just three years before the Great Depression brought enough hard times and misery for almost everyone to have their share.

His father lost his job, his car, his house and his possessions. Young Bill grew up hustling for all the odd jobs he could get to help keep food on the table. He was a paperboy, caddy at the Raven Rock Golf Course on the weekends, mowing the grass in the summer.

World War II came with its rationing and food stamps and hundreds of little Victory Gardens. He stuck with his schooling through it all and graduated from Portsmouth High School in 3½ years.

But there was no job, no plan, apparently no future.

The Nazis engulfed Europe and threatened Britain with annihilation. He went down to enlist in the US Navy Air Corps but enlistments were full at the time.

One day he and his friend, Earl Parsley, were sitting in Mound Park discussing what to do. Before they knew it, they had convinced themselves to join the Merchant Navy, which advertised recruits.

“We would see the world and get paid to do it,” Questel said.

They enlisted on March 30, 1944, his 18th birthday. They completed basic training for marine apprentices in Sheepshead Bay, NY

Questel was certified as a lifeboat man and earned a Coast Guard certificate with 30 hours of basic 20mm and 50mm machine gun marksmanship training. They received sailor certificates.

He and Parsley left Sheepshead Bay and would soon leave the East Coast on separate ships. They will only see each other again after the war.

The smell of oil

Sailing the seven seas turned out not to be as romantic as Questel thought. He left Portland, Maine as a mess boy aboard the SS Tydolgas, a tanker built before World War I.

“The old salts on board said she was ready for the graveyard, but hoped it wouldn’t fall off while they were on it,” he said.

The vessel was used to carry deck cargo, but primarily to transport crude oil from the Orinoco River in Venezuela to refineries in Bayonne, NJ.

“The ship smelled of dirty motor oil all the time,” Questel said.

The ship sailed inside the Intercoastal Waterway for protection from German submarines, known to prowl the Atlantic off the east coast. Other ports of call were Guantanamo Bay, Cuba; and Spain, Panama and Colombia. He made two voyages on the ship between June and August 1944.

One good thing about serving in the Merchant Navy was that sailors earned leave with time off equaling time spent at sea.

40 days off

Questel had about 40 days ahead. Descending to the East Coast, he paid a few visits, enjoying the jingle of coins in his pockets, and returned home to Portsmouth for a few days. After his discharge, he traveled to Little Rock, Ark. There he and Howard Caldwell became close friends, and they traveled to New Orleans, where on September 27 they boarded the USAT Monterey 1 Army Transport, a converted Cunard cruise liner. . Lines. They transported 1,100 US Army troops and cargo to the Ascension Islands (the Rock), located between Brazil and Africa in the South Atlantic Ocean. There was a military base there.

Questel earned his “Domain of Neptune Rex” certificate after surviving the initiation given to sailors crossing the equator for the first time.

The ship returned to New Orleans at the end of October. Questel and Caldwell returned to Little Rock, where Questel said goodbye to Caldwell and his family. In November he again took time off and was able to spend Christmas 1944 at home.

Back to the coast

New Year’s Eve found him in New York City waiting to catch his next ship.

“I celebrated watching the ball fall in Times Square and spent

at night sleeping at the station,” he said.

Then, on January 4, he boarded a new tanker, the SS Cottonwood Creek. His maiden voyage had a crew, he said, of 32 “good” merchant seamen, plus a crew of six naval guns.

“I trained with the navy gun crew because I was already skilled on the 20mm and 50mm guns,” Questel said. “I formed a close bond with all the crew members, both Merchant Navy and Naval Gunners.”

At this time, in early January 1945, the Allies fighting near the German border regained all the ground they had lost during the German counterattack in the Battle of the Bulge, so called because of the domed shape of the battlefield. battle on a map. The armored units of the American Third Army had broken through the German lines from the south and relieved Bastogne. The Germans were on the run, but the army and its air force needed supplies to continue.

“Our ship was carrying deck cargo as well as 100 octane fuel needed by the Air Force fighters in the European theater,” Questel said. “We loaded in Bayonne, NJ, and transported our stuff to Glasgow, Scotland.”

This northern sea route became known as “Torpedo Alley” due to all the German U-boats patrolling the waters and trying to sink every ship possible to prevent war supplies from reaching the Allies.

All Merchant Navy ships at this time were accompanied by US Navy destroyer escorts.

Questel made two such trips between January 4 and March 9, each lasting about a month. On the last one, it wasn’t the torpedoes that hit them, but a vicious noreaster. The seas rose 40 to 60 feet high.

“Unfortunately, we lost a few sailors overboard. One of the freedom ships split in two and sank,” Questel said. “After those trips, I went home for my birthday and stayed.”

He and his lovely wife, Mary Martha, still live on their brick ranch in Portsmouth, both still enjoying life to the fullest.

Contact G. SAM PIATT at gsamwrite@twc.com or (606) 932-3619.

Pokemon Go June 2022 Field Research Tasks and Rewards


Trainers, the start of the new Season of Go in Pokemon Go brings new Field Research tasks, rewards, and a breakthrough Research encounter in June 2022.

June 2022 is underway and new Field Research tasks and rewards are now available in Pokemon Go. Along with the new tasks, collecting all seven stamps will grant you a new Research Breakthrough encounter this month, Klink and its shiny form .

From June 1, 2022 to July 1, 2022, we will see Klink and its shining form as a breakthrough research encounter. As you already know, you need to collect seven stamps to meet Klink. Remember that you get a stamp once per completed Field Research task that you get by spinning a PokeStop.

The new Field Research tasks are now available in Pokemon Go, and here’s the full list.

Pokemon Go June 2022 Field Research

  • Battle 2 Team GO Rocket Grunts: Grimer (can be shiny)
  • Fight alongside your buddy as he adventures with you: Koffing (can be shiny), Venonat (can be shiny)
  • Fight in GO Battle League: Joltik
  • Catch 10 Fire-type Pokemon: 10 Charizard Mega Energy
  • Catch 10 Grass-type Pokemon: 10 Venusaur Mega Energy
  • Catch 10 Normal-type Pokemon: 10 Mega Pidgeot Energy
  • Catch 10 Water-type Pokémon: 10 Blastoise Mega Energy
  • Catch 5 Pokémon with Weather Boost: Poliwag (can be shiny), Vulpix (can be shiny), Hippopotas (can be shiny), Snover (can be shiny)
  • Catch 5 Pokémon: Baltoy (can be shiny), Cubone (can be shiny), Swinub (can be shiny)
  • Catch 5 Rock-type Pokémon: Diglett (can be shiny), Alolan Diglett (can be shiny)
  • Catch 7 Pokemon: Magikarp (can be shiny)
  • Catch a Dragon-type Pokémon: Bagon (can be shiny), Dratini (can be shiny)
  • Earn 2 candies by walking with your buddy: Bunnelby (can be shiny)
  • Earn 3 candies by walking with your buddy: Stunfisk
  • Evolve a Pokémon: Eevee (can be shiny)
  • Hatch 2 Eggs: Beldum (can be shiny)
  • Hatch an egg: Larvitar (can be shiny)
  • Hatch an egg: Mantine (can be shiny)
  • Make 3 excellent throws in a row: Gible (can be shiny)
  • Perform 3 great throws in a row: Onix (can be shiny)
  • Make 3 large throws: Lileep (can be shiny), Anorith (can be shiny), Snubbull (can be shiny)
  • Make 5 great Curveball throws in a row: #8 Spinda (can be brilliant)
  • Make 5 nice throws: Dunsparce (can be shiny)
  • Make an excellent throw: Dratini (can be brilliant)
  • Play with your buddy: Chinchou (can be brilliant)
  • Power up Pokemon 10 times: 25x Aerodactyl Mega energy
  • Power up Pokemon 3 times: Bulbasaur (can be shiny), Charmander (can be shiny), Squirtle (can be shiny)
  • Power up Pokemon 5 times: 10 Venusaur/Charizard/Blastoise/Beedrill/Pidgeot Mega Energy
  • Power up Pokemon 5 times: Chikorita (can be shiny), Cyndaquil (can be shiny), Totodile (can be shiny)
  • Power up Pokemon 7 times: Treecko (can be shiny), Torchic (can be shiny), Mudkip (can be shiny)
  • Send 3 gifts and add a sticker to each: Hitmonlee (can be shiny), Hitmonchan (can be shiny)
  • Spin 3 Pokestops or Gyms: Sudowoodo (can be shiny)
  • Spin 5 Pokestops or Gyms: Ralts (can be shiny)
  • Take a snapshot of a Rock-type Pokémon: Rhyhorn (can be shiny)
  • Take a snapshot of a wild Pokémon: Murkrow (can be shiny), Hoppip (can be shiny), Yanma (can be shiny)
  • Trade a Pokemon: Graveler
  • Use 5 Berries to help catch Pokemon: Geodude (can be shiny), Phanpy (can be shiny), Trapinch (can be shiny)
  • Walk 2km with your buddy: Eevee (can be shiny)
  • Win 5 raids: Aerodactyl (can be shiny)
  • Win a raid level 3 or higher: Kabuto (can be shiny), Omanyte (can be shiny)

Here is the full list of June 2022 Field Research tasks and rewards, so be sure to complete the tasks and get the rewards.

Hello dear readers! If you wish to contact us and participate in our Discussion boardsbe sure to visit our Forums. We’re more than sure you’ll find something useful there! The forum is new, so be among the first to say hello!

Ukraine. Russia denies knowledge of missing US fighters | World | New


Two American fighters who were fighting alongside Ukrainian forces went missing north of Kharkiv, Ukraine on Thursday, June 9. The two US nationals are feared to have been captured by Russian forces, according to their families and a fellow fighter.

The men are Alexander John-Robert Drueke, 39, and Andy Tai Ngoc Huynh, 27, both from Alabama.

On Friday, Kremlin spokesman Dmitry Peskov told CNN he knew nothing about the two fighters.

He said on a media call: “No, we don’t know.”

A photo appeared on a Russian blogger’s Telegram channel on Thursday that appeared to show the two Americans in the back of a military truck.

The image apparently confirmed that the couple had been captured by Russian forces.

Both men are pictured staring at the camera with their hands behind their backs as if tied together.

It was posted on Telegram by a Russian blogger called The V, whose full name is Timofey Vasilyev.

It was not verified when the photo was taken.

According to Alexander Drueke’s mother, Bunny Drueke, the US State Department said on Thursday that there is potential evidence that Mr Drueke was captured, but it cannot verify the photo at this time.

State Department spokesman Ned Price said Thursday that the department is in contact with their families but still could not confirm that they had been captured.

He said the United States was not in contact with Russia about their case because it did not yet have a “credible reason” to believe the Russians had captured them and because the Kremlin did not did not claim to have captured them.

Speaking at a press briefing on Thursday, Mr Price said: ‘While we feel that such outreach through our embassy in Moscow or otherwise would be productive in terms of finding more information about the fate of these people, we will not hesitate to do this.”

The White House said it was “working very hard to find out more” about unverified reports of Americans missing or captured in Ukraine.

A group of former US and French servicemen tweeted on Wednesday that two Americans fighting with them were captured a week ago.

If confirmed, the pair would be the first Americans fighting for Ukraine to be captured since the war began in February.

Mr. Huynh and Mr. Drueke, who are both military veterans, came from Alabama to join a unit of Ukrainian volunteers, according to US media.

READ MORE: Putin’s master plan for Europe unveiled as EU country warned by intelligence services

The pair went missing during a battle near the town of Izbytske on June 9, according to a man who was acting as the team’s sergeant.

The man, who wished to remain anonymous for security reasons, provided CNN with photos of the two men’s passports and their Ukraine entry stamps.

He said: “It was absolute chaos. There were about a hundred infantry advancing on our positions. We had a T72 shooting at people from 30, 40 meters away.

A message on a Russian propaganda channel on Telegram on June 10 claimed that the two American citizens had been captured near Kharkiv.

Subsequent search missions have failed to find evidence of the missing men.

The US State Department also said on Thursday it was aware of reports that a third American who had traveled to Ukraine to fight against Russia had disappeared in the “last few weeks”.

Speaking at Thursday’s briefing, Mr Price said: “There is information about one additional American whose whereabouts are unknown.

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“I cannot speak to the details of this case. Unfortunately, we do not know all the details of this case.

Bunny Drueke said her son was a “suspected prisoner of war, but this has not been confirmed”.

Mr Drueke’s mother said the US Embassy in Ukraine had been unable to verify whether her son had been captured.

She said: “They have not been able to verify that he is with the Russians. All they can verify is that he’s missing at this point.

“They remain in close contact with me and I am confident they are working on the situation.”

Mr Huynh’s fiancée, Joy Black, told CNN: “We don’t want to speculate on what might have happened at that time.

“Obviously, they are considering several scenarios. And one of them is that they could have been captured. But we don’t have absolute confirmation of that yet.

Both women said the last time they spoke with loved ones was on June 8, when the men told them they would go offline for a mission.

What fees do you pay on a home equity loan?


Home equity loans can be a relatively inexpensive way to finance big-ticket projects like home renovations, debt consolidation, or college education. But as with most types of loans, there are costs to consider. Many home equity loans come with additional fees that can make your loan significantly more expensive than you might expect from the interest rate alone. Here are some of the most common and what you can do about them.

Key points to remember

  • Home equity loans use your home as collateral, so they’re less risky for the lender (and cheaper for you) than unsecured personal loans or credit cards.
  • In addition to interest, home equity lenders typically charge fees, which can significantly increase your total cost of borrowing.
  • Some lenders will waive or reduce certain fees to earn your business.
  • If the lender offers to roll your fees into the loan amount, you’ll still have to pay them, and with interest.

What is a home equity loan?

A home equity loan is a loan secured by the equity you have accumulated in your principal residence. Your equity is determined by subtracting the amount you still owe on your mortgage from the current market value of your home. As you make mortgage payments, you build equity by reducing the balance you owe. If your home goes up in value, it also adds to your net worth.

With a home equity loan, you receive a lump sum from the lender which you then repay over an agreed period of time, usually five to 30 years. The longer the repayment term, the more interest you will pay in total. Home equity loans usually have fixed rather than variable interest rates.

Since home equity loans are secured by your home, they tend to have significantly lower interest rates than unsecured debt like credit cards or personal loans.

But interest isn’t all you’ll pay. You will also have to deal with an assortment of fees, whether you pay them upfront or they are built into the loan and paid over time.


If your lender can’t or won’t waive all fees, try negotiating a lower interest rate instead. Lenders usually have some flexibility in term, interest rate or fees.

Common costs and closing costs

Home equity loans generally have similar fees to conventional mortgages. Among the most common are:

  1. Expert fees. The lender will hire a professional appraiser to inspect your home and estimate its current market value. The house you bought a few years ago may be worth a lot more now, increasing your available capital. A home appraisal will normally cost between $300 and $500.
  2. Credit application fees. The lender will review your credit reports with one or more of the major credit bureaus to see how you are using credit and how reliable you are in paying your bills. Lenders will also check your credit score before considering offering you a home equity loan. Although you can get your credit reports for free once a year, lenders typically charge between $10 and $100 per report when you apply for a loan.
  3. Document preparation costs. These cover various documents and vary from lender to lender.
  4. Title search fees. A title search verifies that you are the legal owner of the home and tells the lender if there are any liens on it. Fees range from $100 to $250.
  5. Application or set-up fees. This is the fee charged by the lender to initiate the loan process. Some lenders do not charge any at all; others charge up to $500.
  6. Prepayment charges. These are relatively rare for home equity loans, but they do exist. Prepayment charges or penalties are additional charges for paying off your loan before the end of your scheduled term. They’re more common with home equity lines of credit, but worth investigating, just in case.

To note

It’s a good idea to check your credit reports for any errors that reflect negatively on you before applying for a home equity loan. You can request them for free on the official website AnnualCreditReport.com.

Will lenders waive fees?

Many home equity lenders advertise that they do not charge “bank fees”. This could mean that they waive application or set-up fees. They may also absorb certain costs that cannot be waived, such as appraisals or title searches.

Some lenders also offer to incorporate the fees into the total loan amount. While this may save you on out-of-pocket fees at closing, you’ll still end up paying those fees plus interest on them over the life of your loan.

Can your lender use the appraisal from your original mortgage application?

Unfortunately, even if you bought your home very recently, the lender will require some sort of new appraisal. Since equity can change when the housing market goes up or down, your equity may not be exactly the same as it was a few months ago.

How much capital do you need to apply for a home equity loan?

Most lenders require you to have at least 15% equity in your home before you qualify for a home equity loan.

Do you need good credit for a home equity loan?

Yes. Lenders prefer borrowers with at least a “good” credit rating. Some lenders set the minimum at 620, 660, or 680. A higher credit score may qualify you for a lower interest rate on your loan.

The essential

Home equity loans are a relatively inexpensive way to borrow, but they are not costless. Borrowers should ensure they receive full disclosure of all charges, including when and how they are to be paid. Talking to multiple lenders – and letting them know you’re shopping around – can also encourage them to compete with each other to offer you a lower interest rate and/or fee.

REVIEW: Lord of the Dance – a stunning spectacle sparkles on the 25th anniversary tour in Birmingham


Michael Flatley’s global hit show, Lord of the Dance, which has delighted more than 60 million people worldwide, comes to Birmingham for a 25th anniversary tour.

The phenomenally successful show – featuring a vast, swirling array of exuberant dancers and singers – stunned the audience at the Alexandra Theater with a cosmic energy that thrilled and brought joy.

It seems like yesterday when dancer Michael Flatley lit up the world stage with a show called Lord of the Dance in 1996 that has since been performed in 1,000 venues around the world.

The sensational show, with an incredibly contagious positive energy, continues to vibrate and delight people after the passage of a quarter of a century.

Global hit show Lord of the Dance comes to Birmingham

For its 25th anniversary, show director Michael Flatley streamlined and updated the choreography while composer Gerard Fahy – who wrote the music for the original show – penned new material for the anniversary tour.

The show retains the classic story of light – conveyed by the character of Lord of the Dance – overcoming the disturbing forces of darkness – led by the Dark Lord – through the magic of music, dance and magic. love.

The main theme of the show is to inspire and uplift the audience through the art of storytelling using music and dance. In times of darkness, theater offers humanity a beacon of hope and this show is a great example of that joyful healing.

The show is an uninterrupted celebration of dance that tells a timeless story

Iconic music from Celtic roots – rich in Irish folklore and mythology – is used to create an atmospheric and sensual atmosphere in which the talented troupe of dancers weaves stories of healing and hope in dark times.

As the drama unfolds on stage, with the character of the Little Spirit serving as a common thread between the story threads, the tale shifts from darkness to light.

The set design used clever rear projections to transport the audience through landscapes filled with primordial darkness and paranoia to hellish hells where tormented souls raged and writhed. The backdrops contrasted with the hellish landscapes with panoramic images of emerald fields dotted with shimmering trees swaying in the wind.

The huge cast and crew work tirelessly to ensure audiences leave inspired and filled with joy.

Cassidy Ludwig is mesmerizing as the waif-like Little Spirit, playing her penny whistle as she hops and skips happily across the stage while leading the audience into the world of The Lord of the Dance.

Despite his size and elven spirit, Cassidy shows strength and resilience in a very demanding role that initially seems lighthearted. Her performance is melodious and infectious, and audiences were drawn in by her warmth and personality.

The show’s director and producer Michael Flatley, who portrayed Lord of the Dance in the original production, is passing on the role of the role to a new generation of dancers.

At the Alexandra Theatre, the iconic role of Lord of the Dance was played by Cathal Keaney.

Keaney was magnetic, athletic and highly charismatic, and his tireless dancing – which required intense focus and stamina – had audiences erupting in applause at the end of each of his dance routines.

The Lord of the Dance takes on the Dark Lord in an epic, biting duel

The evil Dark Lord in this production was played by Alasdair Spencer and he immediately captivated audiences when he appeared from the depths of his nether realm.

His movements projected menace and fire raging through the dark figure’s heart. He used his razor-sharp male energy to overpower and smother the forces of light and love with aggression and contempt.

Keaney and Spencer gave it their all in the epic duel between the Lord of Dance and the Dark Lord. The stage crackled with dramatic energy as the pair danced and fought in a heart-pounding dance that left the audience on the edge of their seats.

Enchantress Morrighan uses her cunning and sensuality to lure the Lord of the Dance

The soothing feminine energy of the Celtic-themed show was highlighted by Saoirse’s ethereal and haunting character.

Niamh Shevlin was beautiful and delicate as Saoirse, a complete contrast to the heavy darkness of the Dark Lord and his minions. Shevlin used stillness and inner calm to restore balance to a world descending into an apocalyptic abyss of darkness.

One of the Dark Lord’s minions, an enchantress named Morrighan, attempts to seduce and deceive the Lord of the Dance and lead him into a nefarious existence. Andrea Papp Kren is smoky and sultry like Morrighan, her dancing is truly powerful and evocative and filled with such sorcery that she weaves a spell over the audience with her seductive and hypnotic performance that blends seamlessly with the music.

The lighting is exquisite and serves the mythical spirit of the show

The role of Erin the Goddess was played by singer Celyn Cartwright who brought a sweet balance to the show with songs that brought serenity to the stage.

Violin players Aisling Sage and Megan McGinley added to the calm atmosphere with interludes that propelled the narrative forward and forward. Every melody emanating from their violin strings was in perfect harmony with their incredible dance moves.

These gifted musicians not only played their instruments, but also managed to dance while wearing high heels and walking on a central staircase. They produced an immaculate and miraculous performance without a hitch.

The Dark Lord uses his power to subdue and bring the world under his villainous control

The choreography for the show was dazzling and breathtaking, with each dancer performing in perfect harmony and synchronization, weaving in and out of lines and circles at breakneck speed.

It was absolutely astounding, and a testament to the quality of the talent on stage, that there was never a moment when a dancer made a mistake or there was a collision or an accident.

The professionalism and dedication displayed on The Alexandra stage in Birmingham was truly impressive.

The role of Lord of the Dance requires immense stamina and charisma

The multiple costume changes were a colorful confection of beauty and style that added sparkle and magic to the enchanting story of love in a dark world.

The outfits worn by the male and female performers were a blaze of colors and tones, at times sparkling and sizzling, and at others dark and dark and steeped in gothic mystique.

Certain fabrics and materials in the costumes rippled and moved as if alive on the dancers’ bodies. The imaginative designs captured the essence of the show’s central themes.

Costume designs highlight both light and dark in delicate ways

It was a firework of a show, a rainbow of musical delights, sparkling with high energy and thrilling to watch. The exquisite lighting and pyrotechnic effects were impressive and added a brilliant ambiance to the dancing and singing.

The deep blacks and reds generated the heat of hell and chaos while the whites and greens brought the balm of freshness and freedom. The retro-projected costumes and landscapes took the audience on a journey where shades and tones took on an emotional resonance.

The standing ovations at the show’s climax were well-deserved, with people hollering for an encore that Lord of the Dance’s vast cast graciously delivered.

The show has been entertaining audiences for a quarter of a century around the world

As the show ended and people began to exit the theater, an elderly audience member perfectly summed up one of the main purposes of the show. She looked around the theater with a warm smile on her face and said, “This show makes me want to dance!”

His heartfelt words mirrored the words of series creator Michael Flatley, who firmly believes that “nothing is impossible. Follow your dreams.”

It doesn’t matter if you’re young or old, no matter your race or gender, Lord of the Dance is for everyone and inspires us to tap into ourselves and discover our own magic.

Lord of the Dance is now playing The Alexandra, Birmingham, until Sunday June 19

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https://www.iambirmingham.co.uk/2022/06/17/review-lord-dance-stunning-show-sparkles-25th-anniversary-tour-birmingham/https://www.iambirmingham.co.uk/wp-content/uploads/2022/06/IMG_0530-800×489.jpghttps://www.iambirmingham.co.uk/wp-content/uploads/2022/06/IMG_0530-300×183.jpgRangzeb HussainDanceEntertainmentMusicCommentsShowbizWhat’s newAisling Sage,Alasdair Spencer,Alexandra Theatre,Andrea Papp Kren,Art Design,B’ham,Birmingham,Brum,Cassidy Ludwig,Cathal Keaney,Celtic,Celyn Cartwright,choreography,composer,costumes,dance,England,entertainment,Gerard Fahy, Gothic, I am Bham, I am Birmingham, Ireland, Irish, live, lord of the dance, Megan McGinley, Michael Flatley, Midlands, music, Niamh Shevlin, Rangzeb Hussain, theatre, West Midlands, what’s upMichael Flatley’s global hit show, Lord of the Dance, which has delighted more than 60 million people worldwide, comes to Birmingham for a 25th anniversary tour. The phenomenally successful show – featuring a vast, swirling array of exuberant dancers and singers – stunned the audience at the Alexandra Theater with…The latest news, updates and events in Birmingham

Amazon’s Prime Day returns in July – here’s the logistics


Prime Day is back. Amazon finally revealed on Thursday that the e-commerce pseudo-holiday would return on July 12 and 13, with member-only deals starting as early as Tuesday.

For Prime Day 2022, Amazon (NASDAQ: AMZN) highlighted that customers will be able to buy from more third-party sellers than last year. He touted the number of small and medium businesses that would be available, and Amazon is rewarding customers who buy from small businesses with big prizes, including tickets to Super Bowl LVII.

“With the small businesses and national brands our members love and trust, we’re excited to bring some of our best Prime Day deals to even more customers around the world,” said Jamil Ghani, Vice President. from Amazon Prime. “This year, we’re making it easier for members to find the best deals, from personalized deal recommendations to Alexa reminders. It’s never been easier for Prime members to shop, save, and get the most out of Prime Day.

With Prime Day 2022 less than a month away, here’s everything you need to know.

The Prime effect

Prime Day has set the e-commerce world on fire since its introduction in 2015. Total e-commerce spending was under $1 billion on the first Prime Day. But as the event grew in popularity, other retailers launched their own offers to compete.

Total e-commerce sales during the Prime Day period have increased steadily over the years. In 2021, digital sales during Prime Day topped $11 billion, more than online retailers sold during Cyber ​​Monday the previous year, according to Adobe Analytics. Expect to see other retailers like Walmart and Target continue to roll out competing offers this year.

But Prime Day 2021 actually marked a slowdown in growth. Between 2019 and 2020, total e-commerce sales during Prime Day grew by over 45% – that number was just 6.1% between 2020 and 2021.

Watch: Amazon sellers battle for Cyber ​​Monday

Supply chain disruptions are likely to blame for the slowdown, with many retailers unable to offer their full catalogs due to concerns over product delivery to consumers. This thesis is supported by the decrease in order sizes that Amazon has seen in the past year. The average order during Prime Day 2021 was $52.33, lower than in 2019 and 2020.

Still, Prime Day was a precious time for third-party sellers on the platform. Ahead of Prime Day 2021, Amazon gave its customers a $10 rebate for purchases from small businesses, similar to the rewards it plans to offer this year. These promotions brought third-party sellers nearly $2 billion in sales before the event even began.

Additional incentives to buy with third-party sellers could help level the playing field between small and large companies. Typically, third-party sellers have a harder time sourcing products from overseas, especially China and Southeast Asia, than corporate retailers.

In the Prime Day 2022 retailer announcement, Amazon said deliveries of Prime orders would be “free” and “fast,” but it didn’t specify how fast. Prime is known for its free same day and next day delivery. But with the astronomical volume of orders arriving on Prime Day, it may take customers a little longer to receive their products. Experts expressed similar fears about delivery delays last year.


While Prime Day 2022 isn’t until mid-July, the holidays begin in earnest this month. Starting Tuesday, the market will launch deals on Amazon devices like the Echo or Kindle. It will also offer nearly half off Fire TV smart TVs and launch live shopping with celebrities and influencers.

From June 28 through July 11, Prime members will also be able to enjoy a buy-it-now, pay-over-time service through Affirm. By spending $50 or more on eligible products, customers can earn 0% APR on three equal monthly payments. This means that a $300 product could be paid for in three $100 installments rather than upfront.

Then, starting June 29, Prime customers will get a 20% discount at Amazon Fresh stores in the US. To extend the benefit year-round, members can either scan their Amazon app at checkout or pay with a card registered to their Prime account.

Read: Amazon sued for removing Whole Foods free shipping from Prime

Read: Amazon tests service using gig drivers to deliver from local malls

Another promotion seems to be a kind of scavenger hunt for Prime members. Prime members will receive stamps for streaming a show on Prime Video, listening to a song with Prime Music, borrowing an e-ook on Prime Reading, or making a purchase that qualifies for Prime shipping. Once all four are completed, Amazon will award $10 in Prime Day credit.

One of Amazon’s biggest moves for Prime Day 2022 is the relaunch of its small business promotion. For every dollar spent with sellers who have the new Small Business badge between Tuesday and July 11, Amazon will give members the chance to win big prizes. A private New York screening of an upcoming Prime Video series, a VIP trip to Los Angeles and tickets to the upcoming Super Bowl are some of the prizes on offer.

The goal is to drive more traffic to third-party sellers, which Amazon managed to do last year. Customers spent more than double what they spent on small businesses during the promotional period in 2020, helping to make Prime Day 2021 the most profitable two-day period ever for third-party sellers. ‘Amazon.

It should be noted, however, that after revealing third-party Prime Day sales data for the first time in 2020, Amazon declined to reveal such information in 2021.

You might also like:

Amazon dives into third-party delivery waters with Buy with Prime

How a warehouse union could change Amazon from the inside

Amazon Web Services and Bosch collaborate on the logistics market

Consumer and Business Debt Consolidation Market Growth 2031 – Designer Women


How about a well-documented study on the Consolidation of consumer and business debt which includes an in-depth examination of the various models, programs and assets that could cause a paradigm shift in the rate of growth? It’s a reality. Based on the latest changes in consumer and business debt consolidation, Market Reports is the answer to all your questions! In the era of forecasting, the study provides a detailed overview of the most profitable opportunities around the various segments in terms of revenue and volume. By focusing on different criteria such as drivers, restraints, barriers, opportunities and assessment of the competitive environment, the study with bullseye analysis has the potential to shape the core performance of the organization.

The volatile COVID-19 pandemic has reduced revenues in a variety of industries around the world. It wreaked havoc on the economy and caused unprecedented losses. Policymakers, business players and participants in consumer and corporate debt consolidation are trying to combat the deadly pandemic of economic failure as the planet continues to grapple with the COVID-19 pandemic. Stakeholders of consumer and business debt consolidation have taken commendable steps by implementing effective plans, making quick decisions and revamping the entire framework of the market. They are now able to sustain their businesses as a result of this.

Market Reports has been used to paint the development colors on the canvas of businesses impacted by COVID-19. With near-perfect visualization and in-depth knowledge retrieval, Market Reports provides comprehensive and informative consumer and business debt consolidation analysis. When the study is coupled with realistic implementation by stakeholders of consumer and corporate debt consolidation, they will undoubtedly light the lamp of progress.

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The research also examines the effect of many government policies around the world on consumer and business debt consolidation. The study also includes regulatory approvals and regulations specific to consumer and business debt consolidation, allowing key stakeholders to tailor their business practices accordingly. Revolutionary developments in the consumer and corporate debt consolidation industry that have the ability to alter the competitive environment are also highlighted in the study. The article becomes a knight in shining armor for major consumer and business debt consolidation stakeholders by emphasizing these aspects.

Top Key Players Included in Consolidation of consumer and business debt Market Are: Goldman Sachs, OneMain Financial, Discover Personal Loans, Lending Club, Payoff, Freedom Debt Relief, National Debt Relief, Rescue One Financial, ClearOne Advantage, New Era Debt Solutions, Pacific Debt, Accredited Debt Relief, CuraDebt Systems, Guardian Debt Relief, Dette Trading Services, Premier Debt Help, Oak View Law Group

Consumer and Business Debt Consolidation Breakdown Data by TypeCredit Card DebtStudent Loan DebtMedical BillApartment LeasesOtherConsumer and Business Debt Consolidation Breakdown Data by ApplicationCompanyConsumer

What sets Market Reports apart from the rest?

A 360 degree research mechanism is used by Market Reports. The study was developed specifically to assess the effect of COVID-19 on consumer and corporate debt consolidation. This mechanism reflects on almost every aspect in a systematic way to produce the best research report for the business stakeholders.

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Evaluate: It is a reality.

The Market Reports report analyzes every little detail that could prove to be a driving force behind the development of consumer and business debt consolidation, which makes it unique and distinct from other studies.

Visualize: Authors involved in research activities have created a visual representation of the post-COVID-19 era to help key consumer and business debt consolidation stakeholders better understand the situation and take action to ensure continued development over the forecast period.

Overcome: the study examines the points that can prove to be the Achilles heel of consumer and business debt consolidation and helps in the development of strategies to overcome the obstacles that can hinder the Personal and corporate debt consolidation progress.

Leverage: Consolidating consumer and business debt will help you take advantage of things that can help you maximize your rate of growth. It’s a reality. All the points that major stakeholders need to rely on are covered by Market Reports.

Verify: The research is done comprehensively to ensure that all parts of the study are accurate. To avoid errors and false facts, all points are carefully double-checked and validated.

Last but not least, this feature helps the major stakeholder to remove all the hurdles that are hampering the growth rate and consolidation of consumer and business debt.

Regional outlook:

At the regional level, the world Consolidation of consumer and business debt The market is segmented into North America, Europe, Asia-Pacific, Latin America, and Middle East & Africa. In addition, market data classification and region to country analysis are covered in the market research report. Additionally, regions are separated into country and region groups:

– North America (USA and Canada)

– Europe (Germany, UK, France, Italy, Spain, Russia and rest of Europe)

– Asia-Pacific (China, India, Japan, South Korea, Indonesia, Taiwan, Australia, New Zealand and rest of Asia-Pacific)

– Latin America (Brazil, Mexico and rest of Latin America)

– Middle East and Africa (GCC (Saudi Arabia, United Arab Emirates, Bahrain, Kuwait, Qatar, Oman), North Africa, South Africa and Rest of Middle East and Africa)

Buy the full report @ marketreports.info/checkout?buynow=50789/Consumer-and-Corporate-Debt-Consolidation

About Us:

Market Reports offers a comprehensive database of syndicated research studies, custom reports, and consulting services. These reports are created to help make smart, instant and crucial decisions based on comprehensive and in-depth quantitative information, backed up with in-depth analysis and industry insights.

Our dedicated in-house team ensures that reports meet client requirements. We aim to provide valuable service to our customers. Our reports are based on extensive industry coverage and ensure that we focus on the specific needs of our clients. The main idea is to enable our customers to make an informed decision, keeping them and ourselves informed of the latest market trends.

Contact us:

Carl Allison (Business Development Manager)

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Octopus Cards Expands Voucher Program Benefits and Creates Merchant Partnerships


Octopus Cards extends the benefits of the voucher program by offering over HK$250 million in cash rewards to all existing and new customers, making it easy for customers to earn cash incentives.

The campaign kicked off at the start of the second phase of the Consumer Voucher Scheme 2022. All new and current customers will be automatically enrolled in the “Spend and Earn” promotion, and they will receive cash rewards worth up to 200 HK$ when spending consumer vouchers with Octopus Cards, while new customers will enjoy additional welcome rewards.

During the promotion period, every retail transaction of HK$200 or more is eligible to earn a “Spend & Earn” stamp. The first million customers to collect eight stamps will receive a cash reward of HK$50. The first million customers to collect 12 stamps will earn a cash reward of HK$150. New customers will receive HK$30 in cash rewards as a “Welcome Offer” for switching and choosing Octopus to collect consumption voucherss for the first time.

Apart from this, Octopus Cards also partners with popular shopping malls and merchants to launch more than hundred promotional offers and prepare exclusive rewards with MTR Corporation (MTR), The Kowloon Motor Bus Co. (1933) Ltd (KMB), Citibank, ZA Bank and others.

Angus Lee, CEO of Octopus Cards, said: “Octopus was the preferred choice for collecting consumer vouchers in 2021, gaining the support of approximately 70% of recipients. A customer survey also showed that the convenience and ease of use of our extensive market coverage are the main reasons for choosing Octopus. While CVS 2022 (Phase II) coincides with the next 25e anniversary, we want to celebrate it by sharing more than HK$250 million in cash rewards with our customers.

Rita Li, Director of Sales and Marketing of the company, said, “In CVS 2022 (Phase II), our rewards are tangible and easily accessible with abundant quota. Customers simply need to spend and earn and should not rely on chance. The e-coupons we launched last year have been used over 7 million times, with excellent customer feedback. This year we are continuing our partnerships with popular malls and merchants for a wider range of fantastic offers.

“We are also collaborating with MTR, KMB, Citibank and ZA Bank for exclusive offers for Octopus customers, such as discounts on the purchase of monthly passes and account opening incentives. We are excited to see how our customers are enjoying the summer season with various experiences and offers all over the city! Li added.

Earlier in May this year, global smart commerce platform Shopline added Octopus as its latest payment method in a bid to seize opportunities from the new round of consumer vouchers.

The platform said 37% of its consumers used Stored Value Facilities (SVF) for payment in 2021, surpassing previously popular payment methods such as credit card (21%) and bank transfers ( 13%). The change in preference reflects the fact that consumers are more determined to use stored-value facilities as their priority. Therefore, the platform now accepts Octopus as a payment method, adding that merchants can log into the Octopus payment interface after successfully creating an account through the Octopus app for businesses.

Related Articles:

Octopus Cards is looking for a digital marketing agency for a new initiative to support SME merchants

Shopline adds Octopus to payment method

Shipping Software Market – Major Tech Giants Are Hot Again – Designer Women


According to a recent Factor survey, the Shipping Software is poised to seize significant market opportunities in a variety of end-use industries. This research on the Global Delivery Software Market provides a comprehensive analysis of the various key factors influencing the overall market performance both positively and negatively. This study contains in-depth statistics on consumption and demand ratios of various products/services with respect to Shipping Software growth momentum. Apart from this, the study provides accurate sales and volume statistics for all major geographies during the forecast period.

The global Shipping Software report is a useful tool that offers reliable data on different facets of the industry such as threats and opportunities. In addition, readers of this study will receive a detailed overview of the different models of the global shipping software, as well as technical and product innovations. The report segments the market based on various key aspects such as product form, end use/application and area to include an in-depth analysis of the Shipping Software.

The Global Shipping Software study includes a variety of forecasts and estimates based on primary and secondary analysis conducted by Market Reports analysts. Researchers used a variety of business intelligence methods to present reliable data on a variety of topics, including estimates and information on key facets of global shipping software.

Access a sample report – marketreports.info/sample/50509/Shipping-Software

Analysts took into account all improvements to shipping software as a result of the COVID-19 pandemic when writing this document. New regulations are currently being formulated by regulatory bodies in different continents, including developed and emerging countries. These rules would help countries deal with the lingering macrocosmic distress caused by the COVID-19 outbreak in all these regions. Accordingly, the research described in this report will serve as a valuable source of information on a variety of important topics, such as the change in government policy in the wake of COVID-19 disruptions.

The information included in the global Shipping Software report is beneficial for key stakeholders such as market players, investors, and policy makers. This information would help them determine their next strategies to deal with the effects of the recent COVID-19 pandemic while allowing them to maintain a strong position in the shipping software industry. As a result, the study is beneficial for both potential entrants and existing businesses looking to become influential in the post-COVID era.

Major Key Players Included in Shipping Software Market are: Pitney Bowes, Metapack, Temando, Stamps.com, WiseTech Global, ProShip, Logistyx Technologies, ADSI, Malvern Systems, ShipHawk, Epicor Software Corporation, Pierbridge, ReadyCloud, LLC., Shippo, Teapplix, Shipwire, 2Ship Solutions, V-Technologies

By TypeWeb-BasedInstalledBy ApplicationMail, Express and Parcel (CEP)Air and Sea ForwardingContract LogisticsGround, InternalOther

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5. 24/7 availability to represent customers worldwide.

Regional outlook:

At the regional level, the world Shipping Software The market is segmented into North America, Europe, Asia-Pacific, Latin America, and Middle East & Africa. In addition, market data classification and region to country analysis are covered in the market research report. Additionally, regions are separated into country and region groups:

– North America (United States and Canada)

– Europe (Germany, UK, France, Italy, Spain, Russia and rest of Europe)

– Asia-Pacific (China, India, Japan, South Korea, Indonesia, Taiwan, Australia, New Zealand and rest of Asia-Pacific)

– Latin America (Brazil, Mexico and rest of Latin America)

– Middle East and Africa (GCC (Saudi Arabia, United Arab Emirates, Bahrain, Kuwait, Qatar, Oman), North Africa, South Africa and Rest of Middle East and Africa)

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5 things borrowers should know about Biden’s $25 billion student loan forgiveness


The Biden administration has touted $25 billion in approved student loan forgiveness for borrowers over the past year and a half. At least 1.3 million borrowers have been determined to be eligible.

But given the multiple student loan relief programs involved, the continued pause in student loan payments, and the significant changes to the student loan administration system that continue to occur, many borrowers may not even be aware. of these initiatives.

Here’s what you need to know.

Biden’s student loan forgiveness goes through targeted initiatives

The Biden administration’s student loan forgiveness initiatives have, so far, received so-called “targeted” relief. This involves the administration focusing on existing student loan forgiveness programs and using executive action to ease restrictions, expand access, or streamline the application or approval process. Here are the programs the administration has largely focused on so far:

  • $7.9 billion in student loan forgiveness for borrowers defrauded or harmed by their schools. This includes borrower defense through repayment—where a school misrepresented the truth about key aspects of an education program—and the Closed School Break Program, where a school closure prevented borrowers to graduate. The Ministry of Education estimates that around 690,000 student borrowers have been approved for release under these initiatives.
  • $7.3 billion through the Public Service Limited Loan Waiver (PSLF) Program, which temporarily relaxes PSLF rules to significantly expand access for borrowers who have dedicated their careers to the work in the public service. At least 127,000 borrowers have been approved so far, according to the Ministry of Education. The PSLF limited waiver program is due to end on October 31, 2022.
  • At least $8.5 billion in total and permanent disability (TPD) leave for borrowers with disabilities. The Department has simplified access to this program by automating the application process for borrowers receiving Social Security disability benefits. More than 400,000 borrowers have benefited so far, says the administration.

Some student loan forgiveness relief is automatic

In an effort to provide streamlined relief, the Biden administration has worked to provide automatic student loan forgiveness wherever possible. For example, the administration recently approved nearly $6 billion in student loan forgiveness for 560,000 borrowers as part of borrower defense until repayment for those who previously attended Corinthian Colleges, a chain for-profit universities that collapsed in 2015; eligible borrowers don’t even have to submit an application. In addition, much of the TPD discharge relief is also automatic through a data-sharing initiative between the Department of Education and the Social Security Administration.

For other programs, it’s a bit more complicated. For direct loan borrowers who have already certified their government employment, many have already received automatic student loan forgiveness under the limited PSLF waiver, as the Department automatically provides relief when it can. But other borrowers may have to take steps to qualify.

Some borrowers may need to apply for student loan forgiveness or take other steps to qualify

It can be confusing for borrowers whether or not action is needed to get some of the new student loan forgiveness and associated relief:

  • For the limited PSLF waiver (and for the new IDR adjustment initiative), borrowers with loans from the FFEL program would need to consolidate those loans through the Federal Direct Consolidation Program for those loans to be eligible. And any borrower (whether they have direct or FFEL loans) would have to certify their government employment on official PSLF Ministry of Education forms to obtain credit during the limited PSLF waiver period. The deadline is October 31, 2022.
  • For disabled borrowers, even if you do not qualify for automatic relief based on Social Security disability benefits, you can still submit a formal application. discharge requestalthough you may need to include a Physician’s Certification Form — part of the application completed and signed by your doctor — confirming that you meet the eligibility criteria.
  • For borrowers who did not attend Corinthian Colleges but were nonetheless defrauded by their school through false promises or misrepresentations, you can still submit a formal Borrower Defense Request to the Department of Education.

The Federal Student Loan Forgiveness Is Not Taxable – For Now

Under the US bailout law passed by Congress and signed by President Biden last year, federal student loan forgiveness under any program is not considered taxable income under federal law (normally, when a debt is forgiven, canceled, or discharged, it could be considered taxable “income” to the borrower, unless there is a specific exclusion in federal law). However, this relief is temporary and is scheduled to end at the end of 2025 unless Congress extends it or makes it permanent.

Notably, there is an exception for Public Service Loan Forgiveness (PSLF), which is expected to remain tax-exempt under federal law even after 2025.

More student loan forgiveness may be coming

The Biden administration has indicated that the $25 billion in student loan forgiveness approved so far may just be the start. This figure does not include any student loan forgiveness under recently announced changes to income-contingent repayment (IDR) programs, which could result in billions in additional student loan forgiveness. These changes are not expected to be implemented until late fall at the earliest.

Meanwhile, the Biden administration is also considering executive action to enact large-scale student loan forgiveness. No final decision has been made, but recent reports suggest the president could make a final decision by August.

Further Reading on Student Loans

Student loan pause: Biden officials hint at another extension, potentially tied to student loan forgiveness

560,000 borrowers will get automatic student loan forgiveness, but others can still apply for relief

Biden’s new student loan forgiveness changes could end up costing some borrowers

If Biden enacts a broad student loan waiver, it could look like this

Hidden hobbies you didn’t know the royals had


While Prince Charles has had quite a few hobbies, like writing children’s books and watercolors, his real passion is gardening. He manages the gardens of his private residence, Highgrove House. Charles is known for his love of the environment and it seems his fondness for horticulture started at an early age.

On a British radio show, “The Poet Laureate Went to His Shed,” the prince opened up about his childhood time spent in the garden with his sister, Princess Anne (via People). He shared that they both have a small vegetable garden and have a lot of fun growing all kinds of vegetables, including tomatoes. Prince Charles also acknowledged the value of eating the food you grow and said he thinks ‘it’s so important to find ways to encourage children to grow vegetables and things in school’ .

During the interview, which took place at Charles’ Welsh home in Llwynywermod, he told host Simon Armitage that he acquired the land in Wales in 2008 and spent the weekends -ends and any other free time to bring the land back to life by planning and pruning trees and planting flowers. Charles further revealed that he wishes to be more active when gardening on the property, but due to lack of time and a bad back, this is simply not possible. However, he said it was a “labor of love” for him.

How to find them and get them dabbed


With the summer travel season finally here, we can’t wait to do some serious exploration of America’s national parks during the warmer months. This is the best time of year to take a road trip and try to visit as many of these iconic locations as possible. One of the coolest ways to keep a souvenir of your visit for everyone is to collect cancellation stamps at each visitor center you visit. Obtaining your passport stamp at each stop keeps a detailed log of all your visits with the exact date. It’s not just for national parks either. These stamps can also be collected from National Historic Sites and Monuments. Plus, the Passport Program is a fun way to get kids interested and involved in our country’s vast system of national parks. That’s everything you didn’t know about the program and why you and your family and friends should consider picking up a book this year.

Can you still get national park passport stamps?

Travis Smola

You can always get a park passport booklet stamped, and it’s arguably one of the most popular souvenirs sold in parks today. The Passport to Your National Parks program began in 1986 and was launched by Eastern National, a non-profit organization established in 1947 by National Park Service Rangers. They are the ones who run all the educational programs you will encounter in the hundreds of national parks, historic sites and monuments across the country. The money they collect is often also used for archaeological work, funding historical re-enactments, and developing the educational exhibits you see in many parks and visitor centers.

Eastern National also has hundreds of gift shops and bookstores located within the boundaries of many parks. What’s cool about this is that all proceeds from sales are then donated directly to support the Park System. So when you pick up a passport book, you’re not only about to record memories, you’re also helping support our precious public lands. It’s a win-win situation.

Since its inception, Eastern National has slowly expanded the program to offer more types of books in camp stores. There are more National Park sites and stamps than there are places for used stamps in each book. These days they offer expansion pages in case you run out, but they also sell a larger collector’s edition and the jumbo “Explorer Edition”, both of which have more space in them. There is also a Junior Ranger Edition designed just for kids. It’s a great way for them to remember their visits to the national park years later when they’re older.

How do I use my National Parks Passport Book?

National Parks Passport Book

Getty Images: poweroffforever

Using your passport book is simple and an integral part of the pleasure of traveling in the national parks. The NPS is the group that determines exactly where they are in each location, and this varies with each location. Most of the time, a quick visit to the park’s visitor center will reveal your purpose. From there, all you have to do is find the correct region in the guide and stamp your book accordingly. Sometimes they hide the stamps in an unusual place, so you may need to ask a Park Ranger if you can’t find one. There’s also an online list of locations that you can find here, but for us it’s best to search without it as it forces you to explore each park more.

If you forget to stamp your book during your visit, it’s usually possible to send a self-addressed envelope to the park and have one sent back to you. Don’t forget to check the gift shop for bonus passport stickers. They make these every year for a select few locations and sell them for around $3 each. You can buy the complete set or individually online if you miss one. It’s a colorful extra souvenir to add to your national park passport book. If you are a frequent visitor to national parks, we must warn you that the standard book is a bit lacking in pages. You’ll probably fill it up quickly and have to buy a new one. We’ve heard of some enthusiasts buying one for every region of the country just for that reason. However, if you only visit a national park about once a year, there’s no reason to buy one of the larger ones.

Either way, this program is one of the most engaging and easy-to-participate ideas developed in conjunction with the National Park Service over the past 40 years, and I think it’s super cool to see which stamps we can collect each year.

For more outside content from Travis Smolabe sure to follow him on Twitter and instagram For original videos, check out his Geocaching and Outside with Travis YouTube Channels.


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‘I haven’t heard my name’: Why Leicester Fainga’anuku missed big All Blacks news

Tongan Leicester winger Fainga'anuku was one of six new selections named to the All Blacks' 36-man squad.

Cameron Spencer/Getty Images

Tongan Leicester winger Fainga’anuku was one of six new selections named to the All Blacks’ 36-man squad.

Leicester Fainga’anuku didn’t realize he was an All Black until Richie Mo’unga leaned over and nudged him lightly.

When winger Fainga’anuku joined his Crusaders team-mates at Rugby Park in Christchurch on Monday to watch the All Blacks squad announcement, he waited nervously to hear if his hot Super Rugby Pacific form had been recognized by national coaches.


The former Warriors star named to the AB squad “one more project”, says Grant Fox.

But there was a problem.

Even though Fainga’anuku was named in the 36-man squad, he was unaware that NZ Rugby board director Bailey Mackie, who read out the squad list in Auckland, had spoken the magic words.

* ‘You need these games’: Scott Robertson adopts tough patch
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* All Blacks squad: ‘Composed’ Quinn Tupaea impresses with big move to No.12

“I didn’t hear my name being called,” Fainga’anuku admitted. “I don’t know if I was dreaming ‘imagine if that would happen?’

Mo’unga, who was named the team’s top three five-eighth, was the first to quietly congratulate Fainga’anuku. Then the penny fell with a thud.

“It wasn’t until boys like Richie started touching me,” Fainga’anuku added.

Mo’unga, at the time, did not realize that he had done Fainga’anuku a favor by alerting him to his good fortune. But if it hadn’t been for the quick reaction of the first five eighths, Fainga’anuku might have spent the rest of the announcement wondering if it had gone wrong.

“No, I didn’t,” Mo’unga said. “He may have realized afterwards. He didn’t really give me much or say anything. I think he missed his name…and then we missed the next name after the one that was (Folau) Fakatava.”

Fainga’anuku, who can also play in the center, was not a bolter. After being on manager’s radar last year, he joined Jordie Barrett, Will Jordan, Caleb Clarke and Sevu Reece as the team’s outside defenders for the three-Test series against Ireland next month.

Roger Tuivasa-Sheck, Stephen Perofeta, Folau Fakatava, Pita Gus-Sowakula and Aidan Ross were the other fresh selections. Crusader centre/winger Braydon Ennor and winger George Bridge, Fainga’anuku have replaced the latter on the left flank in recent weeks, both missing the cut.

Tonga-born Fainga’anuku, named after the English city of Leicester in the East Midlands, and Crusaders full-back Jordan are the competition’s top try scorers out of 10, which is a indictment of their ability to attack.

Leicester Fainga'anuku's ability to worry defenders should be an asset for the All Blacks.

Leicester Fainga’anuku’s ability to worry defenders should be an asset for the All Blacks.

Last year, Fainga’anuku told One News that he got his first name from his father.

“He was playing for Tonga at the time in England in the ’99 World Cup. It was Leicester Stadium. They won by a lost goal, three points and I think they were having a party.

The Fainga’anuku family moved to Auckland in the early 2000s, before moving to Nelson, the city where Leicester began playing first-class rugby for Tasman. In 2019, he was named in the Crusaders squad.

Few New Zealand finishers can match Fainga’anuku’s power with the ball in limited space, as he uses a combination of explosive leg thrust and acceleration to swallow yards.

After hearing the news of his selection, Fainga’anuku had to focus on training with the Crusaders as they prepared for the final against the Blues in Auckland on Saturday night. Ten Crusaders players have been named to the All Blacks.

After Monday’s practice, he had planned to reunite with his parents, who live in Christchurch.

“You can message them as much as you can, a phone call, but that’s only when you really see them in the eye and give them that first big hug.

“That’s where it really means something.

“I’ll be there for a cup of tea later. Enjoy the moment together and obviously we’re all looking forward to the big moment this Saturday.”

Hundreds of Collectibles Change Hands at Holabird’s June Minerals Galore & Western Americana Auction


Large amethyst cave geode with dark purple crystals – a real sight, 15 inches by 18 inches by 11 inches, from the Chunlin Zhu Collection ($1,375).
Holabird Western Americana Collections

RENO, Nevada – A 288-pound iron-nickel meteorite found in China in 1958 that is thought to have fallen to Earth in 1516 AD sold for $4,125 at a four-day Minerals Galore & Western auction Americana held June 2-5 by Holabird Western Americana Collections, LLC, online and live in the Reno Gallery. Hundreds of collectibles have been bid on across an array of collectible categories.

All prices in this report include the buyer’s premium.

Day 1, June 2, was notable as the bargains and reseller bundles – which had been offered on the last day of Holabird’s multi-day sales in the past – proved so popular that they officially launched this event, with 155 prizes offered. Other categories included militaria (Civil War, World War I and II, etc.), guns, weapons, general Americana, toys, collectibles, art, and Native Americans.

A Dahlgren Navy Model 1863 bayonet with scabbard, complete with scabbard and frog, one of only 1,800 made, changed hands for $1,875. The knife was designed by Admiral John Dahlgren of the USS Plymouth and was originally manufactured by Ames Mfg. Co. (Chicopee, Mass.) for the Plymouth/Whitneyville Model 1861 Musket for the US Navy. The walnut grip was nicely framed in brass.

An exceptional group of tin cans illustrated with paper labels – 53 in all, many of which appear to pre-date 1900 – sold for $1,187. Some of the best came from California, including three Mount Hamilton brand 4-inch cans with spectacular color labels showing the Mount Hamilton Observatory and Telescope; and a 4-inch California Fruits box featuring California’s iconic golden bear graphic.

Chinese Viewing Stone – A beautifully intricate beige colored flow stone from a cave, 17 inches tall, on a stand, from the Chunlin Zhu Collection ($1,875).
Holabird Western Americana Collections

Day 2, Friday, June 3, featured entertainment industry (autographs, music, etc.), sports, Black Americana, cowboys, fraternal organizations, gaming, model railroading, politics , tobacco, saloon, beer and alcohol, bottles and marbles, tools, world fairs, jewelry and watches, philatelic (postcards, revenue stamps, stamps, postal history) and photography – a total of 565 lots in all.

A stamp album containing a wonderful collection of American commemoratives dating from 1900 to 1975, with all stamps presented in black crystal protectorates and all appearing to be in mint condition, finished at $3,750. Additionally, a large collection of pipes – about 40 in all, including six meerschaum and several briars – fetched $1,062. Manufacturers came from England, France, Turkey and Vienna. Included was a copy of the second edition of The Blowjob Bookby Alfred Dunhill.

From the Ken Prag Collection, a collection of over 700 vintage postcards of Yosemite National Park in the Sierra Nevada, including stagecoaches arriving in the valley and views from Camp Curry, Glacier Point and the Wawona Tunnel, has reached $1,187; while a batch of 60 postcards from Hong Kong, China, c. brought in $875.

Day 3, Saturday, June 4, furniture and decoration, minerals (including display minerals), fossils and gold and ore), mining lots (ephemera and equipment), numismatics, including badges, bars, coins, currency, ephemera, exonumia (numismatic items other than coins and paper money, such as tokens, medals or certificates), foreigners and medals; and tokens.

The meteorite was a day 3 batch and came from the Chunlin Zhu collection. Items from this same collection included a large amethyst cave geode with dark purple crystals – a real sight, 15 inches by 18 inches by 11 inches ($1,375); and a Chinese Viewing Stone – a beautifully intricate beige colored flow stone from a cave, 17 inches high, on a stand ($1,875).

A small 17-inch Pelton wheel with nine cups, likely from Nevada City, Calif., with some degree of damage, fetched $1,250. And let’s talk good deals! A group of three Alaska medals (Seward Cornerstone of an Empire; 1967 Centennial of the Alaska Purchase; and Alaska the 49th state) went to a happy bidder for only $12; while five coins from India, all in above average condition, including an 1840 rupee, a 1935 half anna, and a 1936-B quarter anna, fetched $18.

Rare and important Wells Fargo Company (Omaha, Neb.) stock certificate #647 for 100 shares, issued in 1870 to Henry Wells, one of the co-founders of American Express in 1850 ($2,875).
Holabird Western Americana Collections

Day 4, Sunday June 5, included books, maps, stocks and bonds (including mines and railroads) and transportation (including stagecoaches, ships and railroads) – a total of 570 lots.

A Wells Fargo Company (Omaha, Neb.) stock certificate #647 for 100 shares, issued in 1870 to Henry Wells, one of the co-founders of American Express in 1850, was for $2,875. This stock certificate, one of five possibly known, is undoubtedly one of the most important of all Wells Fargo and American Express documents, as it depicts the takeover of Wells Fargo by Californian financier Lloyd Tevis after reaching a behind-the-scenes deal with Wells. and Fargo.

Also sold on Day 4 was a copy of the 1884 book Memories of mining life by Henry DeGroot, 16 pages in near-mint condition, with full-page illustrations, a classic book cited in almost every Gold Rush bibliography ($1,000); and a collection of mostly softcover recreational books from Montana, including 3 Montana Big Game Animals, Bed and Breakfast Home of Montana and The Climbers Guide to Montanawhich sold for the bargain price of $12.

Online auctions were provided by iCollector.com, LiveAuctioneers.com, Invaluable.com and Auctionzip.com. The full catalog was available for viewing at www.holabirdamericana.com. Color catalogs were also available to anyone who called 1-844-492-2766 or 775-851-1859.

Anyone with a collection that could enter a Holabird Western Americana Collections auction is encouraged to contact us. The company travels extensively across the United States to view and collect collections. Holabird has many agents and will travel to inspect most collections.

Holabird Western Americana Collections, LLC is always looking for new and important collections to bring to market. It prides itself on being a major source of selling Americana at the best prices available, having outsold any other similar company in the last decade alone. The company will soon have its entire sales database online, free of charge – nearly 200,000 lots sold since 2014.

To consign a unique piece or collection, you can call Fred Holabird at 775-851-1859 or 844-492-2766; or, you can email fredholabird@gmail.com. To learn more about Holabird Western Americana Collections, visit www.holabirdamericana.com. Updates are released often.

# # # #

Cartoon Forum 2022 to put Spain in the spotlight


Cartoon Forum, which each year honors a country or region for its creativity, style or approach to the world of animation, celebrates Spain in 2022.

Among the eight Spanish projects pitched at the Cartoon Forum this year, Bertie’s Brainwaves is based on the Dirty Bertie books. From In Efecto in co-production with Flickerpix in the UK, the series sees Bertie’s imagination come to life, transforming his world and taking him and his friends on wild adventures.

Best Friends Forever… Stranded!, produced by Peekabook Animation, follows rooster Frank and his pig companion Chops to a remote island, where they encounter a vegan crocodile named Charli. Produced by TV ON Producciones with Tippo Creative Lab from Chile (Chile), Primeras (Firsts) depicts the life stories of women around the world who have become pioneers in fields that were once reserved for men.

In Mervin’s album, from Kick the Door Productions in co-production with Germany’s BigB, the 10-year-old incumbent is able to enter the world inside postage stamps. Produced by Mr Klaus Animation Studio with Lusco Fusco Animation from Portugal (Portugal), My brother is a T-Rex follows six-year-old Coco and her dinosaur brother as they solve problems with imagination and crafts.

Produced by Sygnatia with Bro Cinema in Portugal, Polka Dot Zebra sees Polka-Dot Bella struggle with self-esteem before regaining her pride and showing the world the beauty of diversity. A series that celebrates music, The little orchestra is produced by Mago Audiovisual Production and co-produced by Apus Animación y Contenido in Peru and Chucho TV in Uruguay. In Zoey Oceansfrom Studio Kimchi, the eponymous character hopes one day to find his father, who disappeared five years ago.

Cartoon Forum will take place September 19-22 in Toulouse, France.

Fallout 76 – Expeditions: The Pitt is coming out in September


During the Xbox & Bethesda Games Showcase 2022, Bethesda announced that Fallout 76 – Expeditions: The Pitt would launch in September 2022 on PlayStation 4, Xbox One, and PC.

The Pitt is the next major content update for Fallout 76. It was originally announced in last year’s showcase, and it appeared earlier this year in a roadmap infographic. You’ll travel to post-war Pittsburgh to team up with Union freedom fighters seeking to reclaim their home from fanatical looters.

The update also adds the titular Expeditions – random, repeatable 4-player end-game raid events that can net players rare rewards.

A trailer, description, and screenshots can be found below, via Bethesda.

Expeditions: The Pitt is the next major content update for Fallout 76. Travel beyond the borders of Appalachia to The Pitt, a grim industrial wasteland crippled by conflict and awash in radiation. You will assist the Union, a young group of freedom fighters in a desperate attempt to reclaim their home from a faction of power-hungry raiders known as the Fanatics. Forge new alliances, take on new challenges, and earn all-new rewards when Expeditions: The Pitt launches free for all Fallout 76 players.


New location: The Pitt

For the first time since Fallout 3, players are invited back to post-war Pittsburgh. Once a beacon of industry, nuclear war ravaged the former great city. Rising radiation levels mutated its citizens, causing conflict and warring factions to emerge from the chaos. Defend yourself against all sorts of creatures, including the return of the deadly and aggressive Trogs, as you explore the dense city streets and underground maze of The Pitt.


Expeditions are large-scale, repeatable missions for groups of up to 4 players. From Whitespring Refuge in Appalachia, players will power up a Vertibird to transport them to the heart of The Pitt. What awaits you are random, repeatable end-game missions designed to test the most experienced and prepared parties. Conquer Expeditions to earn Stamps, a new currency redeemable for powerful and rare Expedition-themed rewards.

New story, factions and rewards

Expeditions: The Pitt introduces a new story centered around two warring factions: the blue-collar freedom fighters of the Union and the power-hungry faction of the Zealots. Fight for the Union to help get their home back. Meet its eccentric and mechanically adept rulers, discover the uneasy bonds between them, and discover how the toxic wasteland of The Pitt drives its inhabitants mad. Earn Union favor to earn powerful new weapons and armor crafted by Union mechanics.

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Oldham News | Main News | The search is on in Oldham: Eventbrite is on the hunt for Britain’s ‘Hobby Hero’


Date published: June 12, 2022

Eventbrite has announced its ‘Hobby Hero’ competition, which aims to find Britain’s greatest hobbyist and help them share their hobby with others in a bid to reconnect the nation.

It’s an initiative backed by one of the world’s leading wellness experts, Professor Cary Cooper, who advocates using leisure to improve our mental health.

The ticketing and events platform is now inviting residents of Oldham to enter a nationwide competition to win a prize of £5,000 – £2,500 cash and £2,500 in Eventbrite fee credits and expert mentorship to share their passion with others – revealing all about their curious, creative and meaningful hobbies.

And we Brits love our hobbies!

A recent Pew Institute survey asked people around the world to list what gives them meaning and happiness in life, and Britain was the only country in the world to put ‘hobbies’ in its first three responses, alongside family and friends.

By definition, hobbies bring people pleasure and can have a positive impact on mental health and well-being, providing the opportunity to get lost in absorbing activity, expand skills and meet others. people.

Hobbies can be enjoyed by anyone, and celebrities are no different. Beyonce is known for her love of beekeeping, Seth Rogan has spread his love of pottery on social media, and Julia Roberts is famous in the knitting community.

Psychology professor Cary Cooper agrees, saying: “The pandemic, rising cost of living and Brexit have left people feeling stressed and out of control.

“People want to do something they can control, and hobbies provide just that.

“They can improve your well-being, because whether you’re knitting, running, hula hooping, abseiling or baking: hobbies offer a great way to distract you from the stresses of the world and work, step away from the screen and let yourself do something positive, creative and fulfilling.

“Doing a hobby with someone else or in a group is even more beneficial because it provides motivation and social connection.

“A lot of people get into a hobby to make new friendships, even if it’s an unconscious thing for them.

“Even hobbies that seem insular at first, like building model airplanes or collecting stamps, usually expand our social network as these hobbyists will eventually fly their planes or discuss engine problems with others and collectors. of stamps will trade and buy from each other.

“After two years of social isolation, it’s a joy to see people connecting through hobbies that give them pleasure and, depending on what you’re doing, improve fitness, memory or mood. .

“I recommend a lot of people to take up a new hobby.”

In-person and online activities on Eventbrite such as beekeeping, pottery and yoga have helped attendees stay busy throughout the pandemic.

During several closures, Eventbrite has seen thousands of people continue to pursue their interests or take up new hobbies by joining workshops and online courses.

Sebastian Boppert of Eventbrite said: “As we emerge from the pandemic, we want to help the nation reconnect through live events.

“Leisure is great for our health, it improves our skills and allows us to make new friends.

“It’s time to celebrate our hobbies – from the weirdest and wackiest to the most cunning and creative – for the benefits they give us and the talent they produce.

“Our Hobby Hero winner will be someone with enthusiasm and dedication who wants to share it with others and maybe even earn money from it.”

To participate in Eventbrite’s search for the UK hobby hero, simply go to: www.eventbrite.co.uk/blog/hobby-hero and complete the short entry form on your or someone’s behalf. another.

Semi-finalists will be chosen from each region of the UK to reach the national final and a jury will choose the winner.

The deadline for registration is Wednesday, June 15, 2022

Do you have a story for us? Do you want to tell us about something happening in and around Oldham? Let us know by emailing news@oldham-chronicle.co.uk, calling our Oldham-based newsroom on 0161 633 2121, tweeting us @oldhamchronic or send us a message via our Facebook page. All contact will be treated confidentially.

Primoz Roglič is an authority on the Critérium du Dauphiné in the mountains


Carlos Verona may have taken his first career victory and Movistar’s first WorldTour win of the season, but it was Primoz Roglič who wrote the most essential story of Saturday’s mountain stage of the Criterium du Dauphiné, taking the lead of his teammate Wout Van Aert and putting time on his rivals.

You can follow the 74th Critérium du Dauphiné on FloBikes.

The lesson

Saturday’s 134.8 km course freed the beasts. Two HC category climbs dominated the day. First came the famous Col du Galibier, a 23 km climb at 5.1 percent. Then comes the Col de la Croix de Fer, 29 km at 5.2% with the last 6.7 km at 8.2%. Summit finish was on Cat. 2 Vaujany, 5.8 km of 7.2%.

It was a very scenic day in the French Alps.

After a few failed breakaways on Galibier, Pierre Rolland escaped and scored maximum King of the Mountain points at the top, cementing his lead in the competition. His move and several others coalesced into an 18-person breakaway heading for the Col de la Croix de Fer with a 2:00 advantage on the pitch.

Iron Cross Pass

Briton Mark Donovan of DSM pounced on his teammates. A few seconds behind, LL Sanchez (Spain / Bahrain-Victorious) took the virtual lead of the race. In the peloton, Jumbo-Visma got help from wildcard team Uno-X to close the gap. Donovan returned to the group of fugitives.

Groupama-FDJ has picked up the pace. From the breakaway, Gregor Mühlberger (Austria / Movistar) was the next to emerge, with Kenny Ellisonde in pursuit. Eventually, Mühlberger, Ellisonde, Rolland and two others formed a leading quintet. Ellisonde protested to his companions.

With a few kilometers to climb, race leader and two-time stage winner Wout Van Aert appeared. Mattia Cattaneo, second, was next to go.

Rolland grabbed maximum KOM points.

End of Game

Twenty-nine kilometers remained. Ellisonde and Carlos Verona bounced away from the others on the descent from the Col de la Croix de Fer. They headed uphill with a 22-second lead over the closest pursuers. Verona instantly dropped Ellisonde.

Groupama-FDJ continued the work at the head of the peloton. Several attacks launched from the field. One of them was that of Jonas Vingaard, covered by Ben O’Connor, David Gaudu and Primož Roglič.

Roglič’s acceleration was powerful and unmatched. The Slovenian started stalking Verona, but he couldn’t catch up with the Spaniard. Vingaard placed third and is now 44 seconds behind Rogla in the GC. O’Connor is in last place on the podium.

Sunday’s conclusion to the Critérium du Dauphiné ends on another HC-rated climb, the mighty Plateau de Salaison.

2022 Criterium du Dauphiné Stage 7
1) Carlos Verona (Spain/Movistar) 3:53:35
2) Primoz Roglič (Slovenia/Jumbo-Visma) +0:13
3) Jonas Vingeard (Denmark/Jumbo-Visma) +0:25

CG Criterium du Dauphiné 2022

1) Primoz Roglič (Slovenia/Jumbo-Visma) 25:22:08
2) Jonas Vingeard (Denmark/Jumbo-Visma) +0:44
3) Ben O’Connor (Australia/AG2R-Citroën +1:24

Album Review: fanclubwallet – You must be kidding me


Album review: fanclubwallet - You must be kidding me

Back to basics

There’s a lot of nostalgia in the sound of fanclubwallet. Even though the popularity of dream-pop has slowed since the late 2010s, there is still a plethora of interesting and valuable music from these artists around the world. For many, there is a desire to completely disrupt the sound of dream-pop.

Innovation means creating something that lessens the appeal of dream-pop to many, i.e. the intimacy of production as if the artist is in the room. fanclubwallet does not reinvent the wheel but fundamentally understands the genre. You are laughing at me is a love letter to the genre, while reflecting a distinct voice.

The opening track, “Solid Ground”, has a retro intro, almost replicating a tape rewind. He punctuates vocal delivery, with his laid-back, easy style. The track is a relatively tame sound compared to other rock records this year, but there’s a power in bringing the music back to basics. There is an understanding of what is needed in the song, which makes it easy to listen to. Although not an explosive opener, there is a set tone for the rest of the album.

“Gr8 Timing!” is much more of an early 2000s sound with its synth and buzzing guitar chords; you can’t help clinging to its hooks. The guitar riff is contagious. It punctuates the song in such a way, lingering beyond the album itself. Not only is it a good song, but it’s also an incredibly catchy song. Getting what a lot of bedroom pop lacks, fanclubwallet has a danceable quality to this track, like a classic pop song.

Later in the album, “Trying to Be Nice” is a darker song, touching on the insecurities of wanting to be known. In the simplistic lines, there is a power in the candor of the artist. Along with a timid admission, there is a sense of self-loathing in addition to the lead singer’s attraction to his partner. But perhaps most interesting is the instrumental, with the swelling guitar chords. The shimmering keyboard with rougher edges helps the song fit into the traditional dream-pop sound while remaining clean.

“That I Won’t Do” is one of the shortest songs on the album, but it packs a lot into its few lines. Not straying far into obscure metaphor, there’s an intimacy to the lyrics that makes this a powerful breakup song, as it doesn’t seem to dwell on excess. The keyboard loop and swirling, ethereal bass make everything feel like a dreamlike haze. The lyrics are poignant, punctuating the core of the singer’s identity altered by this relationship.

The title track “You Have Got to Be Kidding Me” ends the album. Although there are no big reveals present throughout the album, there is a faster progression that makes this feel far removed from previous songs. The use of samples is inspired here, adding to the texture of the song. This creates a layer of depth and dimension never heard in previous recordings. It shows that there is a look towards nostalgia and the traditional sounds of dream-pop and indie rock throughout the album, while also showing that there is potential to be explored. One yearns for more samples in future work, as it really made the album end in a league of its own.


Kansas City-area girl earns all Boy Scout badges


SPRING HILL, Kan. – A local girl storms the scouts, earning a record number of merit badges. She also strives for the highest honor among Girl Scouts.

Less than half of 1% of Scouts across the United States have earned all merit badges. Rebecca McCreight is one of them.

“It’s my merit badge belt,” Becca said. “I have 138, that is to say all of them.”

In 2019, the Boy Scouts of America allowed girls to join the program. With older brother Rebecca’s record of 88 merit badges, she had a long way to go before she turned 18.

“What a normal scout can take up to eight years to do, took her about 23 months,” said Rebecca’s father and scout master David McCreight.

He is proud of his daughter for being part of the first class of female Eagle Scouts.

“Very excited for her, and she thinks about it, she can accomplish it,” McCreight said. “And I hope that would be an encouragement to all the women out there.”

The silver circles on Becca’s belt are “Eagle Required” merit badges. These lessons are more life skills based. Scouts learn things like cooking and personal finance.

“It takes a lot of hard work to do them all,” Becca said.

His favorite was stamp collecting. This passion remained and turned into a hobby.

“Animals and those from different countries (are) pretty cool,” Becca said.

These experiences also teach outdoor and leadership skills. As part of an Eagle Scout project, Becca built small desks for children in need. One of the most difficult tasks was small boat navigation. Becca went hypothermic.

“The sailboat overturned and the water was cold. So I ended up getting hypothermia from the wind,” Becca said. “The water wasn’t too bad, but then I went to the ambulance and the ambulance helped me get my body temperature back to normal.”

Becca didn’t back down. On a calmer day, she returned to the water to earn her badge.

She plans to attend Washburn University in the fall to study forensic chemistry. She picked up some skills and a great interest while earning her crime prevention and fingerprinting badges.

She thanks her mother for her motivation and encourages other girls to get involved in Scouting.

“Go out and do your best,” Becca said. “Nothing is out of reach.”

This weekend, Rebecca is heading to West Virginia to teach advanced youth leadership. Fewer than 100 Scouts are invited to be Instructors, a great honour.

This Huge Temporary Student Loan Forgiveness Extension Ends in Months – Advocates Urge Biden to Extend It


A huge expansion of a critical student loan forgiveness program is set to end in just a few months. Meanwhile, millions of borrowers may not even know the new program exists. Student borrower advocacy groups and unions are now urging President Biden to extend it.

Here is the latest.

Student loan forgiveness extended to borrowers working in the civil service

In October, the Biden administration announced a sweeping, temporary expansion of the Public Service Loan Forgiveness Program (PSLF). PSLF can eliminate federal student loan debt for borrowers who dedicate their careers to nonprofit or government work. Ten years of service can result in full student loan forgiveness.

But the PSLF program has long been plagued by complex eligibility requirements, administrative problems by service agents and poor oversight by the Department of Education. The result was an anemic approval rating that never really exceeded 2%.

Through the new “Limited PSLF Waiver” program, the Biden administration has temporarily relaxed several key PSLF requirements and restrictions. With this waiver, the Department of Education will be able to retroactively count prior loan repayment periods that would otherwise have been disallowed under the original PSLF rules, including payments made under federal student loan repayment plans. ineligible or on non-direct federal loans. .

A subsequent similar temporary initiative announced in April to reform Income Contingent Repayment (IDR) plans will also allow certain deferral and forbearance periods to also count towards the PSLF.

Taken together, the changes to the PSLF and IDR will potentially enable hundreds of thousands of borrowers to obtain billions of dollars in student loan forgiveness. And according to the Department of Education, more than $7 billion in student loan forgiveness has already been granted since the changes were announced. Much of this has been achieved through automatic student loan forgiveness for borrowers who already have direct program federal student loans and who have already certified their employment by submitting PSLF employment certificate forms.

But many other borrowers will need to take action to benefit from the changes. Student loan borrowers with student loans from the FFEL program — an older loan program where private lenders disbursed federal student loans that were ultimately government-insured — would need to consolidate those loans through the loan. Federal Direct Consolidation to be eligible for the limited PSLF exemption. And borrowers who have not yet certified their government employment by completing and submitting the PSLF employment certification forms should do so as well.

The limited PSLF waiver ends on October 31, 2022 – in less than four months. And since the direct consolidation process can sometimes take a few months, borrowers who are unaware of the temporary initiative or who have not yet taken action are increasingly at risk of missing the boat on cancellation. of the student loan.

Advocates seek extension of limited PSLF waiver

The Student Borrower Protection Center (SBPC), an organization that defends student borrowers, published new data on Thursday suggesting millions of borrowers may be eligible for relief through the PSLF but have not yet had their student loans forgiven. Given the possibility that many borrowers will be excluded from relief under the limited PSLF waiver, advocacy groups have called on the Biden administration to extend the program beyond the October deadline.

“The Biden administration is delivering a debt-free future for public service workers across the country, but we’ve only scratched the surface,” said SBPC Executive Director Mike Pierce in a statement. “Secretary Cardona must recognize that you can’t have too much of a good thing – prolong the [PSLF] give up now and provide debt relief to millions in the future.”

A coalition of unions echoed those sentiments. “The limited PSLF exemption represents a unique opportunity for our educators to access student debt forgiveness,” said Becky Pringle, president of the National Education Association (NEA), one of the largest unions teachers in the country. “However, its rollout was rapid, and by the time officials understood the new temporary rules, the program was halfway done…Educators and public service workers need more time to get the pardon they deserve.”

“Public service workers dedicate their lives and careers to keeping our communities safe, healthy and strong,” said AFSCME President Lee Saunders. “But many of their jobs require a university degree or even an advanced degree, which has pushed many public service workers into debt. You don’t get into public service to get rich, and those who step up and put their communities first shouldn’t be locked into an endless spiral of student debt. We owe it to these everyday heroes to ensure that every eligible borrower has access to the relief they have earned for their service to our communities.

So far, the Biden administration has given no indication whether an extension of the limited PSLF waiver is under consideration.

Further Reading on Student Loans

560,000 borrowers will get automatic student loan forgiveness, but others can still apply for relief

Biden Reportedly Close to Making a Decision on Widespread Student Loan Forgiveness – Here’s Where It Stands

Biden’s new student loan forgiveness changes could end up costing some borrowers

If Biden enacts a broad student loan waiver, it could look like this

Pokemon Scarlet and Violet should bring back the black and white medals


As the ninth generation of the main series Pokemon Games, pokemon scarlet and Purple should be a major turning point for the franchise. Next Pokémon Sword and Shield, which received criticism for being too similar to previous titles and not doing enough to change the formula, pokemon scarlet and Purple has been confirmed to be fully open world Pokemon game, and it’s the first non-spinoff title to do so.

With such a vast world to explore, the still unnamed and potentially Spanish-inspired region of Pokemon scarlet and violet should offer fans more than just catching Pokemon, defeating gym leaders, and earning badges. Focusing solely on the traditional gameplay loop could lead to a world that feels empty and the game criticized for being too short and not offering enough unique objectives. One way to counter this potential problem would be the return of the Medal Rally system from pokemon black 2 and White 2, which rewarded players for engaging with the game in different ways.


RELATED: Pokemon Scarlet and Violet Still Have a Big Question to Answer

What are medals in Pokemon Black and White?

As the second series of games take place in the United States-inspired Unova region, pokemon black 2 and White 2 struggled to stand out from the original Black and White In many ways. The Medal Rally offered a certain uniqueness; it challenged players to collect medals for completing various tasks. Players could earn medals by reporting completed tasks to the Medal Master, which can be found at any Pokemon Center. After earning enough medals, players can then go to the medal office in Castelia City to increase their rank. A player’s medal rank is visible to other trainers through the Pokemon Global Link system.

Medals in pokemon black 2 and White 2 were divided into categories: Adventure Medals, Battle Medals, Entertainment Medals, Challenge Medals, and Special Medals. They rewarded players for tasks ranging from walking a certain number of stages or saving the game a certain number of times, to completing Funfest missions and successfully completing PokeStudio Movies. In particular, Challenge Medals provided players with plenty of endgame content, offering rare medals for battling in the Black Tower and White Treehollow and defeating the Elite Four and Champion while only using certain types of Pokemon. . Dedicated medal collectors would need to spend time taking care of everything Black 2 and White 2 had to offer, such as trading, battling, playing minigames, and searching for hidden objects.

Medals are perfect for an open world game

While the medal system did not return in Pokemon X and Y, Pokemon Sun and MoonWhere Pokémon Sword and Shield, pokemon scarlet and Purple seem like the perfect opportunity to bring back this long-gone feature. Having medals to earn could encourage players to explore the vast world and interact with everything possible, leading them to discover places, items, quests or mini-games they might have missed. Additionally, it would make the world more complete by including things like hidden items that need to be found or obstacles that need to be overcome using particular Pokémon or abilities.

Similar large collectible quests have been present in a number of recent open-world games, most notably the several hundred Korok Seeds available to find hidden across Hyrule in The Legend of Zelda: Breath of the Wild. These help players stay engaged and exploring even after the game’s main quest is complete. pokemon scarlet and Purple could perform a similar function, ensuring that the game doesn’t simply end once the champion is defeated. The medal collection would also provide a break from the battle-centric gameplay of Pokemon including new unique goals and tasks.

The link between medals and travel would also be a great way to highlight the open-world nature of Scarlet and Purple and how much space players need to explore. The Medal Rally was inspired by stamp rallies, a common Japanese event where people can collect stamps by visiting certain locations, such as shrines, monuments, or rest areas, and then later redeem those stamps for rewards. like clothes, food and travel. goods. pokemon scarlet and Purple should definitely introduce something that encourages players to visit every corner of the map and travel great distances, such as medals awarded for taking a certain number of steps in Black 2 and White 2.

RELATED: Pokemon Scarlet and Violet Fan Designs Shiny Variants for Pawmi

Pokemon Legends: Arceus paves the way for the return of medals

Recently released derivative title Pokemon Legends: Arceus, which took players to the old region of Hisui, drew heavily on the open-world genre by introducing a number of explorable areas that players could traverse on foot or by calling on Pokémon such as Wyrdeer, Basculegion, and Hisian Braviary. The game developers clearly understood that a game with so much space to explore would require gameplay elements beyond catching Pokemon and completing the main story, which involved calming down the frantic Noble Pokemon. and identify the source of the chaos.

Legends: Arceus achieved this by introducing research tasks that players must complete as a member of the Jubilife Village Survey Corps. While some research tasks were straightforward and simply involved battling or catching Pokemon, others called for specific scenarios like seeing Pokemon use certain moves in battle or investigating appearance variations among certain species. It also featured a “Collect Quest” mechanic in the form of Wisps, which were hidden around the map and had to be collected for players to summon and capture the rare Ghost-type Pokemon Spiritomb.

So far, the trailers for pokemon scarlet and Purple did not show the return of medals or any other similar system. In fact, very little has been shown regarding the games; only a handful of new Pokemon and some non-player characters such as the two new Pokemon Professors have been revealed. However, there are still several months before Scarlet and violet November release, and it’s likely more trailers will be released with more gameplay info, possibly including something like Black 2 and White 2 Medals or Legends: Arceus research tasks and collection of wisps.

pokemon scarlet and Purple will be released on November 18, 2022 on Nintendo Switch.

MORE: Pokemon Scarlet and Violet: Each Game’s Themes Explained

Rasdale Stamp Company highlights the benefits of stamp collecting


Rasdale Stamp Company is a reputable stamp company dedicated to supporting the stamp hobby. In a recent update, the company shared their thoughts on the benefits of collecting stamps.

Westmont, IL – In an article on the website, Rasdale Stamp Company highlighted the benefits of stamp collecting.

Stamp collecting is a great activity for kids as it has various educational benefits due to its historical value and mesmerizing beauty. It’s also a great way to learn about history, culture, and currencies. Additionally, the stamp collection helps document Rare Stamps Chicago with landmarks from different locations around the world.

These small square pieces of paper often have intriguing designs and contain a lot of information. So, if a person collects Valuable Stamps Chicago, they will lean towards the creative fields. Collecting stamps and then sorting them also teaches a lot about patience.

Collecting stamps can also be a form of investment. Postage stamps sometimes earn a great fortune if they have significant historical value. If a person wants to sell stamps in Chicago, he must collect the most valuable stamps.

Stunning artwork and intricate modern graphic designs can be seen on these labels. So, if you are an artist, you can be inspired by it.

In the digital age, where everyone is busy using their gadgets, this hobby takes us away from it. It requires minimum screen time or maybe no screen time at all.

About Rasdale Stamp Company

Rasdale Stamp Company is a reputable stamp company dedicated to supporting the stamp hobby. The company began as a stamp counter within a family business in Westmont in 1932. Today, in its emporium, it offers the largest retail philatelic stock in the world, with over one million stamps available to browse and buy.

Media Contact
Company Name: Rasdale Stamp Company
Contact person: Kim E. Kellerman
E-mail: Send an email
Call: (630) 794-9900
Address:35, avenue of chestnuts
Town: westmont
State: HE
Country: United States
Website: www.rasdalestamps.com

Student Loan Payments: How to Switch Service Providers


Kameleon007 / iStock.com

Every year, thousands of borrowers file complaints about their student loan officer with the Consumer Financial Protection Bureau (CFPB). According to the CFPB, “dealing with your loan servicer or lender” was one of the most cited reasons for filing a complaint in 2021.

Discover: Surprising things you can buy with food stamps
More: Top 10 richest people in the world

Among borrowers who have filed a complaint against their loan officer or lender, receiving poor information about their loan, having problems with how payments are processed, and problems with customer service are the top complaints.

Consolidate your federal student loan

If you have a federal student loan and want to switch service providers, consolidation is an option. When you consolidate your federal student loans, you get a new direct consolidation loan to pay off existing federal loans. Fox Business reports that consolidating can also result in lower monthly payments and flexible terms.

You can complete a consolidation loan application for your federal student loans at studentaid.gov.

Change student loan service on a private loan

If you have a student loan from a private lender, Fox Business noted that your lender is usually also your loan manager. To switch service providers on a private student loan, you will need to switch lenders.

By refinancing your private student loan, you can take out a new private loan from another provider to pay off your existing loan. However, to qualify for student loan refinance, you will need good or excellent credit.

See: Why inflation makes your paycheck worth less
Find: How do I get student loan forgiveness? PSLF derogations and more

Refinancing also allows borrowers to choose new repayment terms and possibly lower their interest rates. This allows borrowers to pay less each month, save money on interest, or both.

More from GOBankingRates

About the Author

Josephine Nesbit is a freelance writer specializing in real estate and personal finance. She grew up in New England but is now based in Ohio where she attended Ohio State University and lives with her two toddlers and her fiancé. His work has appeared in print and online publications such as Fox Business and Scotsman Guide.

Obituary of Levi Muncy, Jr.


Levi Muncy, Jr.

New Castle – Levi Muncy, Jr. 91, a resident of New Castle died on Saturday, June 4, 2022 at Heritage House of New Castle. He was born September 27, 1930 in New Castle to the late Levi, Sr. and Maggie (Smith) Muncy.

A 1949 graduate of New Castle High School, he was a United States Air Force veteran, serving from 1951 to 1955 during the Korean conflict. Levi retired from Duke Energy in 1990 after 35 years of service. He was a member of the Eagles and Moose Lodges, the American Legion, the VFW and was a life member of the Gold Wing Road Riders. Levi was an active member of First United Methodist Church where he served as chairman of the board, lay leader, youth leader and was baptized in 1975. He was also a 67-year member of IBEW, House of Commerce of Henry’s County, of the Ambassador Club. and was a board member of the Henry County Cancer Society.

Levi had been a trainer and instructor for B&G Gyms and was part of Faith Th

rough Power Lifting at the Pendleton Reformatory. He helped rebuild homes and restore electricity to homes in Appalachia and volunteered at the Indiana Basketball Hall of Fame. He also attended the Indy Honor Flight in Washington, D.C. in 2018. His hobbies included stamp collecting, bowling hunting, motorcycling, traveling, and playing harmonica and organ.

Survivors include one daughter: Paula (Benjamin) Timmons of Daleville; one son: Kevin (Georgia) Muncy of New Castle; four grandchildren: Matthew (Rachel) Timmons, Autumn Muncy, Krista (Chris) King and Cassandra (Joshua) Timmons-Weaver; ten great-grandchildren: Mason Fields, Jacob Fields, Isaiah Timmons, Emma Weaver, Lila Timmons, Jameson Weaver, Hazel King, Easton Timmons, Hadlee Muncy and Magnolia Timmons; nephews: Ronnie, Tommy and Gary Dinkins, Dennis Muncy, Phil and Jim Sherry and one niece: Sharon Andrews.

Besides his parents, he was predeceased by his wife of 63 years: Rosemary Muncy in 2020 and a grandson: Jeremy Timmons.

Services will be held at noon on Thursday, June 9, 2022 at the Hinsey-Brown Funeral Service in New Castle with Dennis Muncy and Pastor Mark Herbkersman officiating. The military rites will be conducted by a contingent of the US Air Force, American Legion and VFW. Interment will follow at South Mound Cemetery, West Lawn Addition. Visitation will be from 10:00 a.m. until service time on Thursday. Memorial contributions may be made to the Cancer Society Fund through the Henry County Community Foundation. You can express your condolences or share a memory of Levi at www.hinsey-brown.com.

Posted on June 06, 2022

Posted in Star Press

14 clubs that play in the league from completely different countries – from Cardiff to Monaco


Football teams playing in the pyramid of a country different from their own has been a growing phenomenon over the past few decades.

It’s been a hugely successful season for several of them, with FC Andorra promoted to Spain’s Segunda División. Els Tricolors are owned by Barcelona star Gerard Pique and have competed in the Spanish leagues since 1948.

Founded in 1942, they joined the Catalan Football Federation and thus the Spanish league system. Pique took over the club in 2018, giving them a Barcelona makeover and seeing them promoted to the second tier for the first time in their history this term.

Closer to home, Wrexham have failed to lift silverware themselves this year, losing the FA Trophy final to Bromley before being knocked out of the National League play-offs in a wild semi-final against Grimsby. Although based in North Wales, the Red Dragons first joined an English league in 1890, through The Combination.

After a two-year stint in Wales they returned to England, winning The Combination four times before being elected to join the Birmingham and District League in 1905. Since then they have remained in leagues on the other side of the border, be promoted to the second level.

Arguably the most successful Welsh club playing in the English leagues is Cardiff City, who won the FA Cup in 1923. They currently play in the Championship, having joined the English Football League South around 1910, before joining the Football League in 1920.

Who do you think should win the Ballon d’Or this year? Let us know in the “Comments” section…

Wrexham has been part of the English pyramid since the early 1900s

Swansea followed Cardiff’s lead in 1913, joining the Southern League, before becoming a founding member of the Football League Third Division in 1920. Swans now compete in the Championship and won the League Cup in 2013 .

While these teams are long established, Isle of Man FC opted to form a brand new club to join the North West Counties League in 2019 as part of a desire for players in the island to figure at a higher level. The island has its own league, with the Ravens kicking off at a different time to avoid clashes, the club also covering the costs of any visiting teams, winning promotion to the NWCL Premier Division through play-offs this season .

Guernsey FC were also born out of a desire to play in England, joining the Combined Counties Football League in 2011 after their formation the same year. Many of their places come from the Channel Islands, with the Green Lions currently playing in the central-south division of the Isthmian league.

After the New Zealand Knights collapsed in 2007, Wellington Phoenix was trained by businessman Terry Serepisos to take their place in the Australian League A. The Phoenix are still going strong today, reaching the Championship play-offs of League A this season.

Canada’s Toronto FC and Vancouver Whitecaps, who play in MLS, also play in another country’s top division. Toronto became the first when they received an expansion team in 2007, before the Whitecaps followed two years later after long being part of the United States’ lower divisions.

Monaco is the most famous example of a team appearing in another country’s top flight. They were formed as part of a unification of many local clubs based in France and the principality in 1919, being invited to join the French professional leagues in 1933 by the French Football Federation.

Monaco have won the French Ligue 1 eight times
Monaco have won the French Ligue 1 eight times

Relegated the following year, they did not regain their professional status until 1948. Since then, the Monegasques have won the Ligue 1 eight times and the Coupe de France five times, while still playing in the Principality.

Berwick Rangers, meanwhile, made frequent attempts to return to English football early in their history. They had joined the Scottish Football Association in 1905 and have since been part of divisions north of the border which is 2.5 miles away, currently turning to the Lowland League.

Just like Berwick, ASDV San Marino is located right on its country’s border with Italy. Titani was founded in 1960 specifically to compete in the Italian leagues and are the only team from San Marino allowed to do so, currently in Serie D.

Unlike the other clubs on this list, FC Vaduz is classified as a “guest club” by the Swiss Football Leagues. They are based in Liechtenstein but play in Switzerland as their home country does not organize a league.

They first played in Austria, but moved to Switzerland in 1933, paying a license fee of £150,000 a year to do so. They play in Liechtenstein’s domestic cup competition, rather than Switzerland’s, and represent their home country in UEFA tournaments, rather than in their adopted league.

Union Esportiva de Bossost can claim the most unusual reason for joining another country’s league, having been part of the French system since its formation in the 1920s. Based in the Catalan town of Bossost, they play across the border because in their early years they could not cross the Val d’Aran to Spain due to high levels of winter snow.

Are collectibles worth investing in?


By Dr. Charles Patterson, WCI Columnist

In the quest for diversification, one stop along the way is at the altar of collectibles. It is here that we find precious metals, such as gold, silver and platinum; jewelry and coins; and a whole host of more specialized products such as stamps, cars, toys, watches, guns and books. Hunting for rare finds and curiosities can be a source of great pleasure, with collections having as much sentimental value as monetary value.

medical school scholarship sponsor

But the possible usefulness is undeniable: even this Florida plastic surgeon posed as a bandit in the 1970s and 1980s. For others, however, the logic of such collections is the product of a fever dream of apocalyptic economic collapse and the not unreasonable desire to have “something” to barter.

To the collector who derives joy from the thrill of the hunt, who acquires and keeps forever (or trades for a better find), or who finds fulfillment in relationships forged by shared interest, then I tell you more power and wear on. For investors looking for a hedge, the following paragraphs seek to frame the real value.

Why start a collection?

Some collections start naturally – with a shared interest with a parent, grandparent or friend – or perhaps with an inheritance or gift. Exposure to a curious new company can also start a fire. I still remember captivating conversations at 3 a.m. with a senior resident whose decades-old coin collection kept growing. Although I’m not a numismatist, I enjoyed learning the intricacies of coins – and even more enjoyed seeing his face light up as he explained it. It may not have inspired me to throw away my earned pennies on more valuable pennies, but it did underscore the difference between collecting for fun and collecting for value.

If you’re the type to collect for fun – or even collect for fun AND for value – then this hobby can be considered a luxury. You’re probably not looking to buy a Porsche and resell it for a profit. This is different from owning something that will increase in value uncorrelated to the market with the ability to sell at the optimal time. In the latter case, the investor is better served to treat the commodity as an individual stock. At the risk of sounding silly, I would say that building a collection can be reasonable if it is made up of a generally attractive asset, is appropriately matched to the portfolio, is disposed of rationally, and gives personal satisfaction. Allow me to elaborate.

More information here:

7 ways to hedge against a stock market crash

Assessing High Demand Collectibles

Unlike stock and bond markets, micro-markets that encompass rare books, coins, toys, etc. are somewhat unproductive. In other words, they do not monetize. With the possible exception of YouTube celebrities, no one pays you because of your impressive accumulation of anything. These goods do not contribute to building infrastructure, businesses or trade. As the art market shows, there is value to be found, but it depends entirely on what another person is willing to pay at any given time. This results in an offloading dilemma, discussed in more detail below. The profit or loss from the future transaction is primarily affected by the number of potential buyers, the desirability of the collected item, and the usefulness to the consumer.

It would behoove you to put your resources into an asset with the widest range of buyers possible, in other words, the collectibles with the highest consistent demand. In a world where even deer antlers have a market, resilience in a downturn relies in part on a large pool of potential buyers. The value of a collection of fine watches or Ferraris is going to be limited by the number of people who can actually buy them and potentially limited by the owner’s taste. Anyone who has ever had to make an estate sale can attest that one person’s preference may not reflect that of other collectors.

Assets must also be utilitarian. If we are discussing collectibles through the prism of an apocalyptic hedge, we have to think about the use of what is collected. Take, for example, gold: if you have a collection of bars or coins, how much (and what gold content?) would you “need” to use for barter? How long will this last? This is where collectibles as a hedge becomes harder to define: in essence, they act as a hybrid commodity and an alternative currency. The environment in which they are traded is unstable and precarious, even outside of a civilizational collapse. Utility is key to assessing the strength of these assets.

More information here:

Should you invest in gold? Why You Shouldn’t Do It All

Where collectibles could fit into an asset allocation

A good rule of thumb is to keep all “alternative” investments to less than 5% of your portfolio. This includes things like cryptocurrency, but excludes more difficult traditional investments such as real estate. Why 5%? Because I think you should be 95% sure that the market is going to work satisfactorily in the long run. It’s a bit of a different story if you inherit the most expensive stamp in the world. But no more than 5% and the risks of ownership, coupled with the opportunity cost, outweigh the benefits. Granted, many successful people have done well in pursuits outside of the stock market, but you won’t find support here for going heavy in Andy Warhol Cookie Jars.

I suspect that for most readers of White Coat Investor there is a common understanding that the surest way to financial success is the amicable coupling of a successful career in a well-paying profession and the diligent contribution of savings to tax-advantaged retirement accounts.

More information here:

5 questions to ask yourself before changing your investment portfolio

The unloading dilemma

Tax implications, investor appeal, transaction costs and timing should be heavily considered when building or acquiring a collection.

Frankly, selling collectibles is not a tax-efficient proposition. For assets such as precious metals, any profits made are subject to capital gains tax, although the reaping of tax losses is possible (yes, they can and do lose value). That’s not the case with art, but rest assured that the IRS will find a way to wrap its meaty paws on your investment – and probably in an opaque and illogical way.

One argument to make is the potential donation of a collection or property to defray a tax bill. I find this argument to be somewhat anemic, certainly for those of us who take the standard deduction and even for most who do not. Yes, that’s a possible benefit (unless you’re the creator of the asset), but if you’re collecting art or anything else for the tax benefits, you’re either very wealthy or misunderstand the tax code.

invest in collectibles

Collector appeal is key to unloading. A Michael Jordan rookie card in mint condition will likely enjoy broad appeal with a healthy swath of potential buyers. The same goes for a Shelby Cobra. But add the aforementioned auction fees and taxes into a potential sale, and the luster fades. New forums exist for partial ownership of rare works and other novelties that can make selling more streamlined, but costs are an issue.

Finally, as with any investment, timing matters. God forbid you have to liquidate a collection at the same time as everyone else, or when your family’s undocumented heirlooms are prohibited. If it seems like there is an easier way to build wealth, that’s because there is.

Am I enjoying this investment?

Whether it’s a shortage of buyers, plummeting value, or unforeseen changes in the global economy (COVID, anyone?), you can be stuck with your investment indefinitely. Timeshare comes to mind, for some reason. Do you agree with this investment going to zero?

More information here:

The Biggest Financial Mistakes Physicians Make

The alternatives

Looking for an alternative investment that won’t end up victim to another bullshit bubble? Look no further:

#1 Relationships

You work hard for your money, but money can’t buy you time. However, it can certainly enrich the scarce time you have. And time is one of the currencies of relationships. Regularly investing in family and friendships through nights out, vacations, and shared experiences can be the best use of excess savings. Far beyond averting the most catastrophic threat to your wealth – divorce – married physicians must fan the embers of their marriage as a means of well-being and contentment. I think Rick Ferri was right when he said:

“I have no gold in my wallet. Thirty-seven years ago, the best investment I ever made was gold. I bought two gold wedding bands, and it gave me a wonderful relationship of 37 years, three children. So far, eight grandchildren. I can’t do better than that in gold.

#2 Fitness

Avoiding preventable diseases by maintaining a physically active lifestyle is an integral part of full-spectrum wealth. To that end, finding an enjoyable and habitual exercise is paramount. Money helps: maybe it’s a brand new Peloton or a Woodway treadmill. Maybe you fancy joining a rowing club or taking routine trips to your favorite spa. I don’t need to tell you how important your health and well-being are; you see it every day. But are you investing in it as much as you should?

#3 A new skill

We are curious creatures, and having income to scratch that itch is a wonderful thing. Culinary school, a pilot’s license, or even a luxurious new degree are all made possible through wise use of the extra savings.

These alternatives, as you may have noticed, all take time. Money can’t buy time, it’s true, but financial independence can save it. Money can’t buy happiness either. But the freedom that goes with it is essential. To be on the safe side, I would say that the best collections are keepsakes made with loved ones. Once you’ve reached your savings goals, enjoy the journey to financial independence by enriching the good, habitual experiences that keep you healthy. You don’t necessarily need a collection of rare gemstones for this.

Do you invest in collectibles or have you ever thought of doing so? Did you make any money from it? Do you think it is really possible to make a sustainable income from it? Comments below!

Find Waldo in Farmington in July – Daily Bulldog

Waldo is returning to Farmington this summer.

FARMINGTON – Where’s Waldo? In Farmington, of course! The iconic children’s book character in the red and white striped shirt and black edged spec is visiting twenty local businesses in our community in July. Celebrating its 10th anniversary in 2022, Find Waldo Local is a great summer vacation activity and a wonderful way to support local businesses including Sandy River Relics, 3D Games, Twice Sold Tales and Renys.

Anyone who wants to participate can pick up a “Find Waldo Local in Farmington!” buffer card, which contains the names of all participating sites; with each Waldo they spot, they can have their card stamped or signed by the participating store. To make things a little more difficult, there will be a slightly different Waldo hidden in DDG Booksellers. Collecting stamps or store signatures at 20 or more businesses will qualify diligent seekers to enter a raffle for Waldo books and accessories.

Martin Handford’s crowd scene collections took the world by storm in the late 1980s, and the books have held pride of place on bookstore shelves ever since. More than 78 million Waldo books have been sold worldwide and they have been translated into more than thirty languages. An entire generation has grown up looking for Waldo.

Once again, to celebrate Waldo’s longevity and popularity, Candlewick Press is teaming up with the American Booksellers Association and hundreds of independent bookstores across the country for a game of hide-and-seek designed to encourage residents to patronize their local businesses. Participation is free and the hunt lasts the whole month of July. For more information on Waldo hunting in Farmington, call DDG Booksellers at 207-778-3454.

Printable, PDF and email version

James Madison University announces local Spring 2022 graduates – Royal Examiner


For Chris German, it’s all about getting out of your comfort zone.

German, a Warren County Public Schools Systems (WCPS) technician, has accumulated a passport full of entry and exit stamps during his travels to nearly two dozen countries and six of the Seven Wonders of the World. He plans to visit the remaining one, Christ the Redeemer, in Rio de Janeiro at some point.

Chris had planned to visit the latter site during a stopover there en route to Antarctica, but scheduling problems forced him to abandon the trip.

With WCPS for about eight years, German has also held seasonal jobs with Front Royal Outdoors and Mountain Trails for the past six years. This summer, however, the German is planning a little downtime. Maybe his passport will still have a few stamps by the end of the summer.

Chris, who only traveled domestically growing up, said he caught the travel bug after hearing a relative talk about his own travels, which included a trek through Europe in using the extensive train system. “His adventures and misadventures during his travels sparked something in me,” German said.

“I got interested in other places and wanted to see them for myself instead of watching it on the Discovery Channel or reading a book about it.”

German and a friend quickly bought one-way plane tickets to Europe, then “went around without any plans for three weeks; Since then, I have traveled the world. »

He says one of the things that brings joy to this world traveler is getting lost in the local culture. He was greatly influenced by celebrity chef and American author Anthony Bourdain, world famous for his travel television show, Unknown parts, which focused on exploring international culture, cuisine, and the human condition.

Of Bourdain, German said, “His shows and the way he did things – getting out of the comfort zone, interacting with the locals, getting lost in their culture – really helped me become the traveler that I am today.”

This spring, Chris took a trip to Morocco, befriended the locals, and even had the chance to serve camel burgers at a local restaurant, after befriending the owner of the restaurant.

The Kingdom of Morocco is the most northwesterly country in the Maghreb region of North Africa. Morocco overlooks the Mediterranean Sea to the north and the Atlantic Ocean to the west. It has land borders with Algeria to the east and the disputed territory of Western Sahara to the south. It is also directly across the Strait of Gibraltar from Spain.

German said he had a list of reasons for choosing Morocco, including a chance to visit the Chouara tannery, where leather is dyed in stone pits. He was also interested in exploring the landscape; he said being in the Sahara Desert was “breathtaking”.

German local clothing shops. Courtesy photos, Chris German.

German camped in the Sahara Desert on his spring trip. He said the experience was “like something out of Frank Herbert’s ‘Dune’ novel.”

“You literally can’t hear anything, and it takes a while for your body to adjust to it. It’s like something out of Frank Herbert’s ‘Dune’ novel,” he said.

A richer experience can be had, German said, when tourists step out of their comfort zone. “While your typical tourists don’t step out of their comfort zone, stay in hotels or resorts, and never leave the tourist areas, I think getting out of that zone, embracing the culture they offer gives you a better experience that you will remember for a lifetime.”

“Going out for a drink with the locals, accepting this invitation to have tea with the family. Don’t be afraid of the mystery meat, walk down that alley to some amazing street food…place that bet on a pigeon race!”

During his spring trip, the German was pleased that the locals called him “Ali Baba”. He shared, “I think everyone I met in Morocco called me Ali Baba, including the kids trying to sell things on the street.

“I have a beard, so I believe they referred to me as the ‘Ali Baba’ of history. Ali Baba and the Forty thieves. I will never forget that moment when a nomad who lived in the mountains grabbed my beard and said, “Hello, Ali Baba! with the biggest smile! I had a great time talking with him and his family over tea and bread.

This experience was not his only memorable one in Morocco. He says that while having a camel burger in a small kitchen, “the owner loved that I was there and that I was visiting his country. Somehow I ended up behind his counter cooking camel burgers while he took pictures of me. I had to crawl inside this kitchen; it was 3 feet by 3 feet wide! He told me to post the picture on Facebook and say it was my new job!

So far, the world traveler has visited 22 countries, the territories of the Galapagos Islands and French Polynesia, six of the seven wonders of the world and six continents – Antarctica is still on his list. Ironically, German has visited more countries than US states, with 21 visits and 29 more to tick off his list.

La Tannerie de Chouara, where the leather is dyed in stone pits as it has been for centuries.

Most of his travel adventures are not typical vacations. He said: “I’m mostly riding a lot and going with the flow, which has worked in my favor so far. I camp a lot on my travels and stay in cheap backpacker hostels or hotels. You can rub shoulders with like-minded people, exchange information, and form lifelong friendships.

The shared experience connects Chris to the travelers he has met along the way. He says he could write a book from all his memories. He said he met “three amazing Canadians that I met in Byron Bay, Australia at a camp hostel.” He said they were right by a beach, and when they weren’t surfing, they were adventuring.

To this day, German said, “We keep in touch and hope to see each other again on our travels.”

Chris was invited into the kitchen of a Moroccan shopkeeper, who asked him to post a picture of the experience on Facebook

He has other stories, like when he was in New Zealand. “I was picking up hitchhikers and driving them around, which is a normal thing to do there. I met great people, with whom I still stay in touch. Met a couple on a hike called “Hooker Valley” by Mt. Cook. We exchanged information about the trail and a year later they were in Byron Bay when I was there. We didn’t even expect this, it just happened!

While traveling in India, Chris said he met a solo backpacker from New Zealand, a teacher on vacation. “We had a lot of fun exploring India together and shared some crazy moments like when we saw a rickshaw hit another rickshaw. We too keep in touch with each other. I hope one day we will meet again.

As for other memorable trips, German recalled that in Egypt, “I had my first camel-riding meal at this really cool reggae restaurant. I met the owner, who also owns a felucca (sailing boat). He said to me, “Don’t trust captains who don’t carry the Bob Marley flag. So he asked me to join him in his sailboat with a Bob Marley flag, and we sailed the Nile for two days and stayed with his family for one night.

A trip to Egypt in 2019, where German befriended a local man and sailed for two days on the Nile.

Asked what traveling means to this globetrotter, Chris replied, “Travelling has changed me; it has enriched my life tremendously and really broadened my perspective. Traveling allows you to see things differently. If I’m an advocate for anything, it’s this: travel as much as you can while you have the chance. You only have one life to live, don’t bet on having it later. This is the most dangerous risk of all.

In addition to traveling whenever he gets the chance, German is also a member of the volunteer search team for the Shenandoah Mountain Rescue Group (SMRG), a regional group of professional volunteers that responds to emergencies in the four States of Virginia, West Virginia, Maryland and Pennsylvania. SMRG volunteers are certified to conduct searches for missing persons or aircraft in wilderness areas.

Ahmed, whom German met while hiking in Morocco, pours tea for his new friend.

A member of the SMRG for about 11 years, Chris said: “I thought this opportunity would be great to learn a lot and help people. It means a lot to me because I can help when people are hurt or trying to find their loved ones.

It’s safe to say that no matter where Chris German is, he’s enjoying life and having an adventure. With six of the Seven Wonders of the World under his belt, it’s a safe bet he’ll be arriving soon from Rio de Janeiro, as he visits the site of Christ the Redeemer.

What are NFTs and how are they changing the art world? – NBC Boston


NFTs, or non-fungible tokens, are getting a lot of attention from artists. But what exactly are they and what are the ups and downs for artists and buyers?

NFTs are essentially digital assets that cannot be replicated or replicated. They exist on a blockchain system – a space people typically associate with cryptocurrency. But artists are now working with the concept to create physical pieces that accompany these assets, creating an investment that is also a work of art.

Harvard Business School professor Marco DiMaggio developed the business school’s first-ever fintech course. He suggests considering NFTs as collectibles for the digital generation.

“There’s so much excitement too because there are a lot of artists who want to issue NFTs,” he said.

Among these artists is the famous British artist Damien Hirst, who launched “The Currency”, an NFT collection of 10,000 unique coins. Buyers have six months to choose whether they want the digital NFT or the physical coin. The other gets burned.

“So the NFT records, who owns what. And so every time you go to sell, the NFT is going to record on the blockchain,” DiMaggio explained.

Think of the blockchain as a digital database ledger that records transactions verifiably and permanently.

You’ve probably heard of blockchain in the context of cryptocurrencies like Bitcoin. But did you know that collectors are now dumping hundreds of thousands of dollars on something called crypto art that also lives on a blockchain? NBCLX storyteller Eric Rodriguez dives deep into the world of NFTs, blockchain, and crypto art.

“You could say that for every additional secondary market transaction of that particular work, some part of it will have to go back to the artist,” he added. “It’s really about collecting information. And so, you know, the story of the artwork. And so, you know for sure that you’re not buying a counterfeit or someone who’s stolen the artwork.”

This ability to track sales over time is attractive to new artists hoping to succeed.

“This one is Psychedelic Bloom Blossoms….. it’s like a trippy type animation video,” artist M. Flo Sunday explained.

Sunday said selling NFT versions of his art gives him direct access to clients without having to pay a commission to the gallery. If he ever becomes famous, he may continue to reap resale value royalties.

“It kind of gave the artists more of an edge on what they might like to define by setting their terms.”

But buying NFTs with cryptocurrency is not without risk.

“In the primary market, when art is involved, NFT prices are extremely high. it would be extremely difficult,” DiMaggio said.

Still, real estate brokers like Jorge Sariego and Noah Kollar are interested in selling NFTs at work. At Boston Realty Group, you can purchase both physical artwork and this one-of-a-kind digital version.

“The long-term goal is basically generational wealth,” Sariego said.

DiMaggio said you should expect more regulation.

“You need regulation because there are a lot of people who are on the sidelines watching in this space, but they feel like they’re in the gray area and it’s not really clear what is allowed, which is not, or they are afraid of scammers and fraudsters. And so providing regulation will also provide a stamp of approval,” he said.

DiMaggio suggested a few websites to learn about the basics of crypto, blockchain, and NFTs: coinbase.com/learn and academy.binance.com/en/start-here.

How Small Businesses Can Benefit From Debt Consolidation


Small businesses in Nigeria and all over the world are grappling with the problem of refinancing their already existing loans. Not only that, in tough business environments like Nigeria, many small businesses have had to take out loans in order to keep the business afloat.

It sounds like a good idea in the short term, but macro-economic factors like inflation, which generally increase the cost of sales for these small businesses and ultimately make it difficult for these businesses to repay their loans. This is because they are small, which means they have very little leeway to pass their costs on to their customers without risking losing them to other alternative services or products or to a larger competitor who owns a very well established market share. This then affects their potential profits which would have been used to refinance their loans.

That is why in a country like Nigeria, in addition to getting loans from loan sharks, who give loans with high repayments to their customers and not to mention the recent trend of how these platforms share the personal information of those who have defaulted on their payment obligations. general public with the aim of embarrassing them to repay their loans, it is quite difficult to obtain loans at reasonable prices from banks and microfinance banks.

As a small business owner who has now taken out various loans from different sources, it becomes very difficult to keep track of it all. Here’s why debt consolidation is very important for small business owners to know.

What is debt consolidation?

Debt consolidation is a smart financial strategy for small business owners who have incurred multiple debts from different sources. Consolidation merges multiple bills into one debt that is paid off monthly through a debt management plan or consolidation loan.

Debt consolidation lowers the interest rate on your debt and lowers monthly payments. This debt relief option unravels the mess that business owners face every month trying to cope with multiple bills and multiple deadlines from multiple card companies. In its place is a simple remedy; a payment to a source, once a month.

How it works

Debt consolidation is the use of different forms of financing to pay off other debts and liabilities. If you are struggling with different types of debts, you can apply for a loan to consolidate these debts into one liability and pay them off. Payments are then made on the new debt until it is fully paid off.

Most people apply for a debt consolidation loan through their bank, credit union, or credit card company. It’s a good place to start, especially if you have a great relationship and payment history with your institution. If you are denied, try exploring private mortgage companies or lenders. Creditors are also willing to do so for several reasons.

For the borrower, debt consolidation maximizes the probability of collection from a debtor. These loans are usually offered by financial institutions such as banks and credit unions, but there are other companies that specialize in debt consolidation services that offer these services to the general public.

An important point to note is that debt consolidation loans do not erase the original debt. Instead, they simply transfer a consumer’s loans to another lender or type of loan. For true debt relief or for those who do not qualify for loans, it may be best to consider debt settlement rather than or in conjunction with a debt consolidation loan.

Going deeper, there are two major types of debt consolidation loans; secured and unsecured loans. While secured loans are backed by one of the borrower’s assets, such as a house or car, unsecured loans, on the other hand, are not asset backed and can be more difficult to obtain. Unsecured loans also tend to have higher interest rates and lower qualifying amounts. Regardless of the type of loan, interest rates are always generally lower than the rates charged on credit cards. And in most cases, the rates are fixed, so they do not vary over the repayment period.

Why it matters to you and your business

Debt consolidation is a great tool for people who have multiple debts with high interest rates or monthly payments, especially for those who owe N10 million or more. By negotiating one of these loans, you can enjoy one monthly payment instead of multiple payments, not to mention a lower interest rate.

As long as you don’t incur any additional debt, you can also expect to be debt free sooner. Going through the debt consolidation process can reduce calls or letters from collection agencies, as long as the new loan is kept up to date.

However, it’s important to remember that while the interest rate and monthly payment may be lower on a debt consolidation loan, its payment schedule may be another Pandora’s box you don’t want to open. Indeed, longer payment schedules mean paying more in the long run.

The Untold Truth of Martin Short


Martin Short may have only been a cast member of “Saturday Night Live” for just one season, but her tenure on the show saved her from the brink of cultural irrelevance. Having already established himself as an all-around performer on “SCTV,” Short signed a one-year deal to join the NBC sketch comedy series during a turbulent time in its history. After executive producer Lorne Michaels left “SNL” in 1980, followed by an infamous season under Jean Doumanian, NBC executive Dick Ebersol took charge in 1981. With the departures of popular players Eddie Murphy and Joe Piscopo in 1984 and the hip side of the show in question, Ebersol sought a new strategy: to hire known comedic talent at the best price. Short writes in his memoir, “I Must Say,” that he was convinced to join “SNL” because Billy Crystal, Christopher Guest, and Harry Shearer all signed on as players, mingling with newcomers like Julia Louis. -Dreyfuss, Jim Belushi and Mary. Raw.

“SNL” was important to Short’s career and the show, but it came at a price. He told Vulture, “The pressure of the weekly ‘SNL’ format was strong for me, which is why I only did the show for a year.” Armed with his established “SCTV” personas like Ed Grimley, Jackie Rogers Jr. and Irving Cohen, Short was a hit on “SNL,” but he writes in “I Must Say” that the grueling production schedule nearly got him quit. before the season was over. He didn’t, but he left after his contract ended. Lorne Michaels returned to “SNL” the following season, his freshness assured once again.

Penny Black’s Social World: June 2022


Penny Black’s Social World: June 2022 – Insurance Post

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Best Debt Consolidation Loans for Bad Credit of 2022 – Forbes Advisor


A debt consolidation loan for bad credit may not be the best choice for everyone. If your credit is preventing you from qualifying for a lower interest rate than you are currently paying, you may want to consider the following alternatives to debt consolidation.

Improve your credit first

Good credit has many benefits, including the ability to qualify for better financing. If you aren’t able to get an attractive interest rate on a debt consolidation loan right now, working to improve your credit might give you more options in the future.

When creating your credit improvement plan, remember: You may want to adjust your approach depending on whether you are building credit from scratch or working to rebuild damaged credit. Either process can take time, but getting better credit can make your hard work worthwhile in the long run.

Use a debt repayment strategy

If you have some wiggle room in your monthly budget, a debt repayment strategy might be right for you. Do-it-yourself strategies like the snowball or debt avalanche method lead you to restructure how you pay down your debt each month. Ultimately, each approach has the potential to save you time and money in the debt elimination process.

Get professional help

Credit card debt and other high interest debt can sometimes spiral out of control. If you’re struggling to meet minimum payments on your monthly credit obligations, it might be time to talk to a financial professional about your situation.

A non-profit credit counseling company may have solutions that could help you, including a debt management plan. In extreme cases, you may even want to seek advice from a bankruptcy attorney regarding plans that can provide you with protection from your creditors.

Senators propose major changes to student loan forgiveness


Two US senators proposed major changes to student loan forgiveness.

Here’s what you need to know — and what it means for your student loans.

Student loans

US Senators Sheldon Whitehouse (D-RI) and Jeff Merkley (D-OR) introduced new legislation – the PSLF Simplification and Strengthening Act – to “streamline and improve” the cancellation of public service loans. This proposal comes on the same day the Biden administration announced $5.8 billion in student loan forgiveness, which is highest amount in US history. If passed by Congress, this new legislation:

  • Get student loan forgiveness faster: Reduce the number of student loan repayments needed to qualify for public loan forgiveness from 120 repayments over 10 years to 60 installments over 5 years;
  • Count more student loan repayments: Allow any the previous period of student loan repayment counts as an eligible student loan payment, regardless of federal loan type, student loan repayment plan, or whether student loan payments were made in full or on time.
  • Increase eligibility: Count as a monthly student loan payment any month in which an active duty military member or Peace Corps volunteer is on duty, whether their student loans were subject to a student loan forbearance or a student loan deferral while in service; and
  • Consolidate student loans again: Allow Parent PLUS loan borrowers and couples who have previously jointly consolidated their Federal FFEL student loans to reconsolidate their student loans into one direct loan to become eligible for Public Service Loan Forgiveness.

“The Public Service Loan Forgiveness program promised loan relief to Americans wanting to pursue a career in public service,” Whitehouse said. “Instead, they landed in a bureaucratic nightmare with no loan forgiveness in sight.”

Student loan forgiveness: the proposal would change the landscape

The biggest change in this proposal is to give student loan forgiveness in half the time. Rather than get student loan forgiveness after 10 years, student borrowers could see their federal student loans forgiven after only five years. As a presidential candidate, President Joe Biden proposed shortening the civil service loan forgiveness to five years, with $10,000 in student loan forgiveness for each year of service. However, this new proposal not cap the total amount of student loan forgiveness.

Created by Congress in 2007, the Public Service Loan Forgiveness Program grants full federal student loan forgiveness to student borrowers who work for a qualified public service or nonprofit employer. Private loans, however, are not eligible for this student loan forgiveness. Currently, student borrowers must make 120 monthly student loan payments and enroll in an income-based repayment plan such as IBR, PAYE, REPAYE, or ICR. However, in some years the program has been plagued with a 99% rejection rate. The Biden administration has sought to fix the ailing program by instituting major changes to student loan forgiveness that will provide more student loan forgiveness to borrowers. For example, the U.S. Department of Education, led by Secretary Miguel Cardona, has relaxed requirements for the cancellation of civil service loans. Among other changes:

  • Student loan repayment plans: count student loan payments made under any student loan repayment plan or type of student loan;
  • Student loan consolidation: count student loan payments made before student loan consolidation, even if you were on the wrong repayment plan;
  • Late payments: count late or partial student loan repayments;

Student borrowers can complete a limited waiver by October 31, 2022 to get credit for all of these changes. Whichever way you choose to repay student loans, know that you have options. With the upcoming restart of student loan repayments, be sure to learn the best ways to save money and free yourself from debt:

Student Loans: Related Reading

Navient agrees to forgive $3.5 million in student loans

Department of Education Announces Major Overhaul of Student Loans Service

How to qualify for $17 billion in student loan forgiveness

Why $50,000 Student Loan Forgiveness Could Still Happen

Microprinting Market Size, Scope and Forecast


New Jersey, United States – The Microprinting Market report is an output of in-depth and expert research on the Microprinting industry. The Microprinting Market report explains what the market is all about, market prognosis, several segmentations and everything related to the market. It also examines the primary and secondary market drivers, market share, potential sales volume, regional analysis and key market segments. The research also includes key variables that contribute to market growth as well as elements that could stifle market growth. VM Reports professionals applied precise research techniques and other analysis.

PESTLE analysis and SWOT analysis are two of the analyzes used in Microprinting market research, and they shed light on many internal and external variables that affect the market in every situation. It also includes a section that identifies strengths, weaknesses, opportunities, and threats, as well as Porter’s five forces model.

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There is also a section dedicated to important players and their projects, such as acquisitions, collaborations, etc. The Microprinting market research material has been gathered primarily through expert opinions, interviews, and surveys. Verified market research experts have created a Micro Printing Market study full of clarity, accuracy, and useful information. The data in the report is quite accurate and reliable with no duplicates or errors.

Key Players Mentioned in the Microprinting Market Research Report:

Canon Finetech Nisca Inc., Xerox Corporation, Zebra Technologies Corporation, Source Technologies, Videojet Technologies Inc., Brady Corporation, Matica Technologies AG, HP Inc., Ricoh Company Ltd. and SAFEChecks.

Microprinting Market Segmentation:

Microprinting Market, By Substrate Type

• Paper
• Plastic
• Metal

Microprinting Market, By End User Type

• Education
• Defense and aerospace
• Government
• Consumer electronics
• Health care
• Packaging
• Transport and logistics
• Others

Microprinting Market, By Type of Application

• Identity cards
• Labels
• Stamps
• Bank checks
• Company
• Defense
• Others

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Scope of Microprinting 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.

Answers to key questions in the report:

1. Who are the top five players in the Microprinting market?

2. How will the microprinting market evolve in the next five years?

3. Which product and application will occupy the lion’s share of the microprinting market?

4. What are the drivers and restraints of Microprinting Market?

5. Which regional market will show the strongest growth?

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

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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. technical data and advice. We provide insight into strategic and growth analytics, the data needed to achieve business goals, and help make critical revenue decisions.

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5 reasons why you should buy a QD-OLED TV


Major TV makers like Samsung and Sony are marketing QD-OLED TVs as their high-end offerings in 2022. According to them, these new TVs are significantly better than the current generation OLED models. They’re so good that PC maker Dell is already pushing the tech into its flagship Alienware gaming monitor.

However, is the premium price of these TVs justified? And should you consider one even if you already have an OLED TV? Read on to understand why a QD-OLED TV is a worthwhile investment.

What is a QD-OLED TV?

Simply put, QD-OLED TV is an OLED TV with a layer of quantum dots in front of the blue pixels instead of a color filter used by conventional W-OLED TVs. For years, LG Display has been the sole maker of all the W-OLED TV panels we’ve seen from TV makers like Sony, Vizio, Panasonic, and more. However, these new QD-OLED panels are exclusively made by Samsung Display.

There are many benefits to using a quantum dot layer instead of a color filter and as a result QD-OLED panels promise the best picture quality we’ve seen on OLED TVs to date. . So, let’s look at everything they offer and why you should consider buying one.

1. Better brightness levels than OLED TVs

One of the biggest drawbacks of OLED TVs is that they couldn’t compete in the brightness department, especially against Samsung’s QLED TVs which could go well beyond 1,500 nits. Although LG Display has improved the brightness of its W-OLED panels in recent years, conventional OLED TVs still can’t reach the gold standard of 1,000 nits when it comes to peak brightness levels.


Fortunately, since QD-OLED TVs use a layer of quantum dots instead of a color filter that reduces the brightness levels of conventional OLED panels, they can deliver higher peak brightness levels, up to 1 000 nits. Sure, that’s still not up to par with Samsung’s Neo QLED TVs that hit close to 2,000 nits on some models, but it’s still plenty for a class-leading HDR viewing experience.

2. Better color volume than OLED TVs

Another benefit of the quantum dot layer in QD-OLED panels is that it can display saturated colors even at higher brightness levels. Conventional OLED TVs only cover 80% of the color volume of the P3 color space, while newer QD-OLED displays go way beyond that and cover 100%. Simply put, these TVs can reproduce more colors in the brighter areas of the picture.

Sure, Samsung’s own QLED TVs can still deliver better color volume as they can get even brighter, but that’s never been achieved on an OLED screen before. You could say that Samsung has bridged the gap between OLED and QLED with its new QD-OLED display technology.

3. Low input latency and near instantaneous response times for gamers

OLED technology is still at the heart of new QD-OLED panels, and due to the self-emitting pixels, you can expect near-instant sub-1ms response times, which is essential for gamers. Therefore, you don’t experience ghosting on these screens during fast-moving scenes.

QLEDs, on the other hand, offer sub-5ms response times, making them no match for those QD-OLED panels in terms of motion clarity. And when it comes to input lag, the new QD-OLED TVs match competing OLED and QLED displays, so competitive gamers can rest assured they’re not making any sacrifices. Just make sure to use the dedicated game mode setting before booting up your console.

4. True Black Levels

Again, QD-OLED TVs still use self-emitting OLED technology, which means that individual pixels can turn off completely depending on the content on screen. You cannot get blacks darker than 0 nits. This is one area where QLED TVs can’t match because they use an LED or mini-LED backlight that can’t turn off like OLEDs do.

Although Samsung has improved its QLED technology over the years, even the most premium models with full local dimming do let some light through. Additionally, you will notice blooming around bright objects against a dark background, which is quite noticeable when the lights are off. You wouldn’t face such issues on an OLED or QD-OLED TV because they don’t have dimming zones.

5. Competitive prices

When Sony and Samsung announced their first QD-OLED TVs in early 2022, people expected them to cost significantly more than current-generation W-OLED models. Luckily, that’s not the case, as Samsung has competitively priced its S95B QD-OLED TV at $1,999 and $2,799 for the 55-inch and 65-inch models, respectively.

By comparison, LG’s flagship G2 OLED evo TV costs $1,999 and $2,999 for the 55-inch and 65-inch variants. So you don’t pay a penny more for the new QD-OLED technology if you buy it from Samsung. However, on the other hand, Sony charges a premium for its A95K QD-OLED TV, costing $2,999 and $3,999 for the 55-inch and 65-inch screen sizes.

One important thing to note is that Samsung’s QLED and QD-OLED TVs don’t support Dolby Vision and rely on HDR10+ so the company doesn’t have to pay licensing fees. So if you want a wider range of HDR content, you’ll have to pay the full price Sony charges you.

Should you upgrade from an OLED TV?

It depends on how old your OLED TV is. As mentioned earlier, conventional OLED technology has improved dramatically in recent years. For example, LG’s new OLED evo panels are significantly brighter than its older panels. In some scenarios, the LG G2 hits a peak brightness of 1,000 nits, which is a remarkable feat for a W-OLED panel.

If you own a premium OLED TV from 2020 or later, you might not notice such a jump in brightness levels and picture quality for the price. So we suggest waiting for the second generation of QD-OLED TVs or the prices to drop. However, if you have an older model, it may be worth replacing it with a newer QD-OLED TV from Sony or Samsung.

QD-OLED TVs offer the best of OLED and QLED technologies

So far, OLED TVs have dominated when it comes to black levels, and QLED TVs have been miles ahead in the brightness department. But Samsung’s new QD-OLED panel incorporates the strengths of both OLED and QLED technologies to deliver the best picture quality we’ve ever seen on a consumer TV.

Considering this is a first generation display technology, you can only expect it to improve in the years to come. So we’re excited to see what more Samsung can do to bridge the gap between OLED and QLED TVs.

Get into a Cosmonaut Spacesuit for the June Cartoon Contest


Notes on U.S. Stamps by John M. Hotchner

In 1992, the United States Postal Service issued a block of four 29¢ se-tenant (side-by-side) stamps (Scott 2634a) to commemorate space achievements. This was a joint issue with the Russian Federation.

Following Russia’s invasion of Ukraine, US-Russian relations hit new lows, but cooperation in the space program remains the only bright spot between the two countries.

This may not last as events related to Ukraine unfold, but for now, a peaceful level of cooperation continues. Yet one wonders what Russian cosmonauts think of the future.

To give by Linn readers a chance to think about this concept, the Cartoon Legends Contest stamp for June comes from the top left corner (Scott 2631) of the block of four. The drawing shows a Russian cosmonaut and an American space shuttle.

You are invited to put on the cosmonaut’s spacesuit and come up with one or more lines on the subject of continued space cooperation, the politics of the relationship as reflected in stamps, philately, how Ukrainian war could unfold, or whatever else you might wish to comment on from the perspective of the cosmonaut.

Entries with a touch of humor or irony have the best chance of winning the competition.

Two prizes will be awarded to the winners: one for the best philatelic line and one for the best non-philatelic line.

Put your entry(s) on a postcard if possible and send it to me, John Hotchner, Cartoon Contest, Box 1125, Falls Church, VA 22041-0125; or email it to jmhstamp@verizon.net. If you are emailing, it is essential that you include your mailing address.

For each winner, the prize will be a 13-week subscription to by Linn (a new subscription or an extension).

Registrations must reach me no later than June 24th.

Connect with Linn’s Stamp News:

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How to get out of payday loan debt in Colorado


Despite all the pros and cons, payday loans are still the most convenient option for meeting immediate cash needs. Payday loans can cost you a lot more in the long run than you originally planned to borrow.

Payday loans can quickly become a trap for borrowers due to their high interest rates and fees. The bill is coming due and they take out another business loan with even more fees because they can’t pay it. Many predatory lenders abandon their customers using deception and trick consumers into approving loans in states where payday loans are illegal.

Below are some of the key facts about Colorado payday loan laws to help you make an informed decision about payday loans. Also, I will discuss how to get out of living payday loans in Colorado.

5 Important Colorado Payday Loan Laws You Should Know

1. In Colorado, payday loans are legal cheaper.

2. The maximum amount that can be borrowed through payday loans in Colorado is $500. One or more payday loans can be used to meet the $500 limit. Although payday loans in Colorado do not have a maximum term, they have a minimum term of six months.

3. Payday lenders can charge up to 20% of the loan amount in finance fees for amounts up to $300. For every $100 above the first $300 borrowed, lenders can charge up to $7.50 in addition to standard financing fees. The law allows lenders to charge a 45% interest rate if a borrower renews a payday loan.

4. The law allows repayment plans. However, the terms of these plans may differ between lenders as long as they are legal.

5. Collection of unpaid debts is restricted under Colorado payday loan laws. For “insufficient funds” penalties, lenders can charge up to $25. Lenders can sue borrowers for unpaid payday loans for the full amount of the loan plus attorney’s fees. Borrowers can only be sued if they have closed their current accounts before repaying the loan or debt in full.

Lenders are required to issue refunds for the prorated amount of APR when borrowers repay payday loans in full before the end of the APR loan term.

5 Ways to Get a Payday Loan Solution in Colorado

You need to pay off your debts as soon as possible because these loans come with higher interest rates that accrue until you pay off the debts. Usually, you have to pay the debt when you get your next paycheck, but lenders allow you 30-day payment extensions.

It can seem impossible to get out of a payday loan when you have one. Fear not, there are ways to get the payday loan debt solution and get back on your feet. The sooner you can pay off a payday loan, the better.

Here are some of the ways to escape the clutches of a payday lender:

1. Make full payment

It is advisable to repay your entire loan. This is undoubtedly the best way to eliminate your debt. Most lenders also prefer it. With the help of a well-planned budget, you can afford it. When you make your payments in full, you don’t have to worry about incurring additional debt.

Some states won’t allow you to get a new payday loan unless the previous one has been paid off. Once you have made the full payment, you can make sure to improve your financial health.

2. Opt for an extended payment plan

You can work out an Extended Payment Plan (EPP) with your payday lender. This will allow you to repay the loan in smaller installments over a longer period without incurring additional fees or interest.

Review your finances and determine the largest amount you can quickly pay for your loan each month before speaking with your lender. Make an appointment with your lender to discuss your loan restructuring before the last business day before your loan is due.

If you need to sign a new loan contract for your PEP, study the terms carefully before signing. This way you will avoid unpleasant surprises along the way.

Remember that not all payday lenders will participate in a PEP. However, it’s always good to find out about your lender’s flexibility if you can’t afford to repay your loan on time.

3. Consolidate your payday loans

Why should you consider a payday loan consolidation to pay off your predatory debts?

Usually, when there is a high interest rate, all of your monthly payments go towards paying the interest rate payments. Interest payments are the minimum monthly payments you must make. So, if the minimum monthly payment is high, you are not aware of making further payments. Your principal remains intact and your payday loans remain the same. Therefore, lowering the interest rate through negotiations will help you pay off your debts quickly.

You can also avoid collection agents because the payday loan consolidation company will deal with your creditors. Thus, you can lower the interest rate on your payday loans to make full repayments on them; you can also make one-time monthly payments to pay online.

Various companies offer such services. However, not all of these companies are legit. Contact a reputable debt consolidation company to enroll in a consolidation program.

4. Settle your debts

Debt settlement allows you to get out of your debt situation. It will serve as a proposition to your creditors that you are unable to repay your debts in full and therefore you only wish to repay part of your total debt. Most lenders and financial institutions will refuse to enter into a settlement agreement with you and will discuss the lump sum you will offer. However, if you reach a reasonable settlement agreement, all you will see is profit!

The first step is to approach your creditors and lenders on your own and ask them to reduce your overall principal amount to a discounted lump sum. The second step is to locate a reputable debt settlement company or law firm and hire them to complete the task. Following the second path will increase your chances of success. Working out a settlement agreement on your own is a difficult task.

5. Consider taking out an alternative payday loan

Consider getting an alternative payday loan (PAL) if you belong to a credit union. The National Credit Union Administration allows federal credit unions to provide members with loans ranging from $200 to $1,000. When applying for PAL, the credit union may only charge an application fee of up to $20 to cover the actual costs of processing the application. The borrower must have been a member of a caisse for at least one month.

Getting a PAL can be a great way to pay off a payday loan and get out of high interest rates. The term of these loans usually ranges from one to six months. For six months, the same borrower can receive up to three PAL.

Can you file for bankruptcy to get out of payday loan debt?

Bankruptcy should always be a choice of last resort. Filing for bankruptcy has many long-term consequences that will hurt your credit for years. This is why it is essential to evaluate all other possibilities before embarking on this path. If you have too many obligations and not enough money to pay them off, bankruptcy may be possible. Payday loans and your other debts could be erased in a bankruptcy filing.


You should avoid going into debt again. Payday loans are dangerous. Make an effort to increase your income and avoid living paycheck to paycheck. Payday loans are never a long-term answer to your financial needs, but they can definitely hurt your financial situation. Also, many illegal payday lenders use your bank account details for theft and other illegal actions. I hope you will agree that payday loans should be avoided at all costs. Manage your money better for a secure financial life.

Lyle Solomon has extensive legal experience as well as in-depth consumer credit and drafting knowledge and experience. He has been a member of the California State Bar since 2003. He graduated from the McGeorge School of Law at Pacific University in Sacramento, California in 1998 and currently works for the Oak View Legal Group in California as a senior attorney.

How many months do I have left on my passport? Everything you need to know before traveling


You might think you can just hop on a plane with an up-to-date passport and fly the world. In fact, many countries require visitors to have months left on their passport before it expires.

Some – including Australia, Canada and the United States – only require that your travel document be current for the duration of your trip.

But others give a more restrictive deadline, with no real pattern from region to region – while most of Asia requires six months on your passport, for example, different Caribbean islands require different deadlines.

In some destinations, you may also be surprised that you don’t have enough space in your passport for new immigration stamps.

Here are the main UK passport validity rules for major holiday destinations around the world.

Valid for the duration of your stay

These countries only require that your passport be valid until the day you leave the country.

  • Argentina
  • Australia
  • Barbados
  • Canada*
  • Chile
  • Gibraltar
  • Ireland
  • Jamaica
  • Japan
  • Mauritius
  • Mexico
  • Tunisia
  • St. LUCIA

*Although this is technically the rule for Canada, if you have six months or less on your passport, it may take longer to clear immigration.

Valid for one day

Costa Rica requires Brits to have one day validity from the day of departure.

Valid 1 month/30 days

New Zealand requires your passport to be valid for one month from your exit date.

South Africa requires that you have 30 days left on your passport from your exit date, but allowing six months or more is highly recommended. You must also have two blank pages for immigration stamps.

Valid for two months

Cuba requires that you have a passport with a validity of two months from your departure date.

Valid for three months

All EU countries, as well as those in the Schengen area (except Ireland), require three months to remain on your passport from the day you plan to leave. Your passport must also be less than 10 years old on the day you enter the country. This is true for the following countries:

  • Andorra
  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Republic of Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxemburg
  • Malta
  • monaco
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • San Marino
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Swiss
  • Vatican City

These non-European countries also require a validity of three months on the day of your departure:

  • British Virgin Islands
  • French Polynesia
  • Kazakhstan
  • Lebanon
  • Morocco
  • Meeting
  • South Korea
  • Uzbekistan

Valid for six months

In most cases this means six months validity from the date of arrival in the country, but it is worth checking with the Foreign Office. individual entry requirements for the country you are visiting to make sure.

  • Antigua and Barbuda
  • The Bahamas
  • Belize
  • Bolivia
  • Botswana
  • Brazil
  • Cambodia
  • China
  • Colombia
  • Dominican Republic
  • Ecuador (and Galapagos Islands)
  • Egypt
  • Fiji
  • Jordan
  • Indonesia
  • Israel
  • Kenya
  • Laos
  • Madagascar*
  • Malaysia
  • Maldives
  • Mongolia
  • Namibia*
  • Nepal
  • Northern Cyprus
  • Oman
  • Peru
  • Philippines
  • Russia
  • Singapore
  • Sri Lanka
  • Tanzania
  • Thailand
  • Turkey
  • United Arab Emirates
  • Vietnam

*Madagascar and Kenya also require you to have two blank pages in your passport. Namibia requires a blank page.

Valid for 180 days

India requires a more specific validity of 180 days from the date of arrival. It also asks visitors to have two blank pages available for their visa.

Army failed to protect women in uniform from sexual assault, says former judge Louise Arbor


Former Supreme Court Justice Louise Arbour, right, and National Defense Minister Anita Anand, center, release the final report of the independent review into sexual misconduct in the military in Ottawa on May 30 2022. The Chief of Defense is also present. General Staff, General Wayne Eyre.Sean Kilpatrick/The Canadian Press

The Canadian Armed Forces have failed in their attempts to eradicate sexual misconduct and should permanently transfer all criminal sexual offenses to the civilian system, refer harassment complaints to the Human Rights Commission, appoint an external monitor and consider scrapping Canada’s military colleges, a high-profile new report concludes.

The damning report was released on Monday and authored by former Supreme Court Justice Louise Arbour. It is the third report in seven years to give the government similar recommendations to address sexual assault in the military. All three were written by former Supreme Court justices. Monday’s report calls for urgent and far-reaching changes to the way the Forces operate to “create an equal and safe playing field for women in the profession of arms.”

One of the dangers of the Forces’ current operating model “is the high likelihood that some of its members are more likely to be injured, on a daily basis, by their comrades than by the enemy,” Ms. Arbor wrote. .

Ms Arbor’s report finds a “disconnect between rhetoric and reality” in what Forces leaders said they would do to end sexual harassment in the military and what actually happened.

In an April 2015 report, former Supreme Court Justice Marie Deschamps found that women in the Canadian Armed Forces routinely experience sexual misconduct, including degrading comments, harassment, rape by a date and inappropriate relationships between people of different ranks. At the time, the Canadian military refused to promise to adopt the main recommendation, namely to create a fully independent body to receive complaints of sexual misconduct.

In response to this report, Ms. Arbor noted that there had been a “flurry of activity” from the Forces to try to resolve the problem. “Unfortunately, these efforts have so far failed,” Ms Arbor wrote.

Ms Arbor’s latest report was sparked by a sexual assault in the highest ranks of the military last year. As the former Chief of the Defense Staff, current Chief of the Defense Staff (now dismissed) and other senior officers were investigated for harassment or assault, the government asked Ms. Arbor to study the issue and see how the Canadian Armed Forces could set up an independent reporting system.

“They need to change the way they do a lot of things – and profoundly,” Ms Arbor concludes. The “discredit” that the sexual misconduct crisis has brought to the military is a “justified condemnation of an archaic and deeply damaging organizational culture.”

Each of the recommendations in the 420-page report are interrelated and based on the assumption that others will also be implemented, Ms Arbor wrote.

“I know that those who experience these issues on a daily basis are quite capable of determining the best way to proceed, if they accept the general orientation and the changes that I am proposing. On the other hand, I also believe that if they don’t, no amount of detailed recommendations will produce the desired result,” she said.

On Monday, Defense Minister Anita Anand said the government accepted the report in full, but had so far only committed to implementing 17 of the 48 recommendations. The rest, she said, will be reviewed by the Forces and the government and if any recommendations are rejected, the government will explain why they are not being acted upon.

The government will issue a final decision on all recommendations by the end of the year. Ms Anand said the government will appoint an external monitor to monitor the process.

Ms. Arbor’s report recommended that the independent monitor produce monthly reports that are made public.

The government will also accept recommendations related to changes to promotion and succession policies, diversification of the military’s senior ranks, and changes to the military’s sexual misconduct response centre.

“This report will not fall by the wayside,” Ms Anand said Monday in response to repeated questions about how the government will ensure this latest report drives change, rather than gathering dust on a shelf.

Amid the sexual misconduct crisis that gripped the Forces’ senior officers last year, former Supreme Court Justice Morris Fish found that sexual misconduct in the military “remains persistent, concerning and widespread”. The June 2021 report said sexual assault cases should be transferred to the civilian military system until sweeping changes are made to overhaul the military justice system and protect victims.

At the time, the government did not immediately act on the recommendations. However, within two weeks of Ms Anand becoming defense minister last fall, she accepted Mr Fish’s recommendation, which was repeated in Ms Arbour’s interim recommendations.

To ensure the recommendations are implemented, Ms Arbor recommends that Defense Minister Anita Anand appoint someone to oversee their progress. This person should produce monthly reports that are made public, Ms. Arbor said.

More soon.

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How using style as feminism helped me find myself


I like clothes. I love seeing them hanging in my closet. I cherish each piece the same way someone cherishes a lock of their child’s hair, in that it gives me memories and sentimental value. Dressing myself gives me food; it offers me an identity; it helps me push back the outer expectations of who and how I should be. I view my style as feminism, so much so that I feel personally responsible for wearing what I want to wear, so that it sends the message that I love my body and feel free to express myself completely with him.

This was not always the case. I am a first generation Cuban-American who grew up in Miami. I was raised close to my roots and very religious. My upbringing taught me to have a sense of ambivalence towards clothing through the idea that women who love themselves don’t dress for themselves. I dressed modestly, and not without shame. Generally, Miami is the city of sunshine, and the stereotype is that women wear sexy mesh, high-cut bikini bottoms and skin-tight dresses. Coming from a religious, traditionally Hispanic home, this has always stuck with me; a consciousness of objectification is part of what has deterred me from having fun and seeking authenticity with fashion. Still, I often felt better when I was in a dressing room trying on light, somewhat revealing clothes.

Is my need to express myself through clothes a failure to be a true feminist?

Some of my earliest memories of dressing center around my Catholic school uniform. Girls were required to wear pleated skirts, long-sleeved shirts, and ties; our shoe options were tube socks with penny loafers or oxfords. This combination also had several rules: the top button of our shirts had to be permanently buttoned, our skirts had to fall just below the knees, and our socks had to be above the ankle. And girls — even those with straight A’s — were punished harder for breaking those standards when the norm was very lax for boys. So, from an early age, I learned that my body was a powerful sexual entity – but instead of embracing that, I thought the female body needed to be tamed.

And yet, there were so many times I wanted to explore how things looked on my figure. I wanted to dive into the Regina George era of a short pleated skirt and a shiny bra that showed through a translucent white tank top. I wanted to wear skintight leggings with a sports bra and shimmery eyeshadow to Britney Spears’ VMA performance in 1999. I wanted to wear cropped jeans with a daisy print top that showed off my midriff just like Hilary Duff in Lizzie McGuire. I wanted to wear big gold hoop earrings and a velvet Juicy Couture suit with a bandana holding my breasts like J.Lo did in her “I’m Real” music video.

But I also couldn’t tell if my desire to do these things was because I wanted to be apart of my family, or if that was when I felt most like myself. Since I didn’t leave myself much room for exploration, these were things left to fantasy. During this time, I dressed modestly so as not to ruffle anyone’s feathers.

My mindset started to change as I learned about the feminist movement in college, but not my style. I’m grateful to the women who taught me about equality, threw red paint on patriarchy and how to stand up for women’s rights, but usually they wore button-down blouses, combat boots and bootcut pants – a aesthetic that, while certainly different from my strict school uniform, I still didn’t feel like me. Sometimes their heads were shaved or very short to avoid any need for maintenance. Their outfits were mostly in neutral tones, like whites and blacks. But I could tell they felt comfortable in the way they dressed and didn’t have the slightest curiosity to change things up. They exuded confidence in their appearance, while I still exuded pure uncertainty.

I believed in all the feminist ideals I absorbed, but I also loved the clothes and didn’t want to keep my sense of style a secret anymore. So I asked myself: Is my need to express myself through clothes a failure to be a true feminist? Could a feminist reach her authentic self through clothing? Can clothes amplify a feminist voice instead of stifling it? Can you be a feminist only by dressing like a man?

It may surprise some to learn that I found my answers in fashion. When I graduated and moved to New York to pursue a career in publishing, my idea of ​​style was to dress seriously if I wanted to be taken seriously. But throughout my nearly 10 years in the industry, what I’ve learned about women and the way they dress is that they should just do it for themselves. I had a colleague who wore a hot pink form every day. Another showed her midriff as it brought her closer to her Indian roots. And a colleague often arrived at the office in fishnet stockings and platform vines.

I felt lucky to be among people who used clothing as a form of expression. There was a sense of cultural belonging, and I saw people dress as a way of honoring their history and identity – not hard and fast rules. My tenure as a fashion editor solidified my love for clothes and took away the shame that came with it. Thanks to my experience in fashion, I have learned that clothing can be a deep sense of expression: it symbolizes one’s struggles, triumphs and, more generally, one’s vision of oneself.

Now, in full maturity, I have also begun to see the parallels between my relationship to my clothes and my relationship to my body. Over the years, I’ve built my stories of what’s wrong with my figure and what I should – and shouldn’t – wear. My body affected my sense of self and when I added the concept of clothing it gave me an extra sense of limitation. But these days, I’m at peace with myself and my appearance. It’s such a great place to come and accept, and I’m glad I came! I feel free in what I wear, whether it’s revealing, colorful, concealed or discreet. I look forward to expressing myself in new ways every day.

The idea that women should fit any specific style mold is a direct contradiction to feminism itself. Of course, dress modestly if that’s what the person inside you chooses to do. But don’t hide (literally or figuratively) if that only feeds the “ideals” you have been taught. By simply putting on whatever outfit I want, I reclaim ownership of my body and all the opinions that have been expressed about it. Feminism, for me, is about loving your body and adorning it with everything that brings us joy. Because what could be more feminist than a person who loves himself?

Have fun like never before this Jubilee at the super free dance party at Wembley | The Crusader | Finance


Dazzle and dance: Wembley Jubilee Dance will be a colorful occasion (Image: )

Located in the booming new area of ​​London, Wembley Parkand led by cool dance giants Rambert and Pineapple Dance Studios, the Jubilee Dance Party will see the park transformed marking the Queen’s Platinum Jubilee with live music, dance lessons, circus performances, street theater and more.

The irresistible lineup will provide opportunities to learn dance styles from around the world, including Bollywood, commercial (TikTok), street, swing, reggaeton and Afrobeats, Caribbean and rock & roll. Yoga and Zumba classes will also take place as part of the event.

Rambert will be offering a free Caribbean Niceness dance class, immersing in the positivity of soca and reggae vibes, under the expert eye of Sheba Montserrat, a professor at Rambert’s faculty. Sheba will share the story of the movements, with children and adults invited to participate and learn about Caribbean and Black British history as they learn the steps.

Rambert will also lead a high-energy rock & roll walkthrough class, with Rambert faculty member Emma Weir teaching simple, repeatable steps to classic songs from the 1950s and 1960s. The inclusive experience is designed for teach the moves without the need for a partner and is suitable for all ages and fitness levels.

“Inclusiveness and participation are at the heart of everything we do at Rambert, and we are delighted that our bright and daring dance teachers have the opportunity to connect and move with the people of Wembley Park during the Jubilee Dance Party, ahead of Rambert’s Peaky Blinders: The Redemption of Thomas Shelby London run which opens here at Wembley Park in October,” says Daniel Fulvio, Rambert’s Deputy Audience Director (Community)

Wembley Jubilee Dance Party

Strictly fun: learn new moves at Jubilee fest (Image: )

Pineapple Dance Studios will be hosting two “TikTok style dance” classes during the afternoon that will teach participants all the latest TikTok style moves. Participants will learn new skills and put them all together in mini-routines to the latest tunes, ending the class feeling energized, pumped and full of funky TikTok-style skills.

The grand finale of the day will be an exhilarating street/hip hop dance class, also led by Pineapple Dance Studios. Sparkling with energy, the hip hop dance style was born in the clubs and streets of New York. Today, its popularity has spread to the commercial industry through music videos. Teachers will share this awesome and enjoyable dance style with participants in front of the iconic Wembley Stadium.

“Pineapple Dance Studios aims to make dance accessible to everyone – any age, any ability – we can’t wait for our best teachers to bring everyone together at Wembley Park – join us and rock your Jubilee!” says Debbie Moore, Founder and CEO of Pineapple

Swing Patrol, Bollywood Dance School, MoreYoga, Zumba instructor Jonas Hedqvist, local dance legend Edoardo Lima and others will also be encouraging revelers to learn new moves, along with the visually spectacular professional dance company and demi -Britain’s Got Talent TNG (The Next Generation) finalists.

TNG will present two completely new performances, offering a true celebration through music and different dance genres. With members of TNG having already danced and performed with some of the UK’s biggest superstars, from Ed Sheeran to Stormzy and Little Mix, they are preparing to take Jubilee Dance Party attendees on a mini world tour.

Wembley Jubilee Dance Party

Life in the park: welcome to a new district and free cultural events (Image: )

Jubilee Dance Party attendees will receive dance passports upon arrival, which they can obtain stamps for when they join each class or visit the other exciting attractions. These include a digital photo wall where festival-goers can share their photos on the day to create a giant portrait of Queen Elizabeth II, in honor of her 70-year reign.

For those who prefer not to dance, there will be plenty of live music to listen to as they visit Wembley Park’s other inclusive and family-friendly attractions, or just sit back and soak up the party atmosphere. There will be a stage hosting family shows, stilt walkers, jugglers and demonstrations of circus skills, make-up artists, bubbleologists, pavement artists and more to ensure everyone is entertained. For younger visitors, a children’s entertainer will lead a range of inclusive group dances and games.

London Designer Outlet will also join in the celebrations. The Queen’s Guards will hold marching drills with children, while a purple cannon will provide the perfect spot for selfies. As well as offerings from individual retailers, London Designer Outlet will also have a DJ playing tracks from the past seven decades, to get shoppers in the party spirit.

Partygoers will be able to enjoy flavors from around the world as well as sounds. The quality street food at BOXPARK Wembley offers dishes from around the world, while restaurants in the neighborhood offer everything from hearty Italian plates of Pasta Remoli to Indian Masalchi dishes from two-Michelin-starred chef Atul Kochhar. Once refreshed and restocked, festival-goers can hit the dance floors again, with stages spread out along the Olympic Way up to the main stage in front of the Olympic Steps.

Wembley Jubilee Dance Party

unky world tour: TNG pros will lead the way (Image: )

For Josh McNorton, Cultural Director, Wembley Park“The Jubilee Dance Party will be a great day out for all ages and abilities. The party will celebrate Brent’s cultural heritage and diversity, with dance studios Rambert and Pineapple leading the festivities and inviting revelers to throw shapes on the dance floor It’s going to be a very exciting day!

Just 12 minutes from central London by tube and with regular, fast and direct trains to Wembley Stadium Station with Chiltern Railways and Southern Railways and ample secure parking also available, Wembley Park’s easy accessibility means that the Jubilee Dance Party is there for everyone.

And when that revelry ends there will be plenty more to come as the area will be home to the UK’s largest single build to let site with 6,000 homes managed by Quintain Living (www.quintainliving.com) and the park’s cultural strategy includes a program of free events throughout the year.

For more information, visit https://wembleypark.com/jubilee-dance-party-at-wembley-park, Facebook or follow instagram.

Shipping Software Market Size and Forecast to 2029


New Jersey, United States – Current trends, industry analysis and growth development exemplified in this “Shipping Software Market” report is highly beneficial for newbies entering the market. This report covers the whole scenario which is driving the growth of the market, including factors such as challenges, drivers, recent trends, restraints, technological advancements as well as opportunities for players. This market performs a perfect assessment of the market to provide a complete overview of the market development with reference to the future projections and the market scenario. This analytical research on Shipping Software Market share, industry volume and growth aspects.

This Shipping Software Market report covers Latest Events, Trade Restrictions, Customs Analysis, Stakeholder Management, Value Chain Effectiveness, Sales Growth, Influence of Local Players and international industry and outlook. Evolution of revenue generation, regulatory changes, competitive industry growth studies, company size, categorization of industry growths, industry specializations and supremacy, l Risk assessment, marketing strategies, regional developments, and technological innovations in the market are all aspects considered in this Delivery Software market. report as well as a COVID-19 analysis on each sector.

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In the Shipping Software Market research report, vendors will find insights into factors affecting market growth which will provide them with useful data for strategic planning. The growth potential of a market can be determined by understanding these factors. Shipping Software market competition by TOP MANUFACTURERS, with production, price, revenue (value) and each manufacturer including:

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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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.

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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Inside Cilla Black’s £15million fortune and her final wishes as she would have turned 79


Legendary singer and TV host Cilla Black captured the hearts of the nation with her quick wit, Liverpool accent and catchphrases like ‘a lorra lorra rit’

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Cilla Black Presents Classic Saturday Night TV Show Blind Date

Cilla Black was one of Britain’s most beloved TV presenters when she died in 2015.

The national treasure rose to fame as a singer scoring number 1 hits like Any Who Had A Heart and You’re My World in the Swinging Sixties.

She later went on to present hit TV shows Blind Date, The Moment of Truth and Surprise, Surprise, cementing her favorite TV status.

But tragically, Cilla died after a fall at her Spanish villa on August 1, 2015 at the age of 72.

This week the star, who celebrated more than 50 years in show business during her long and successful career, would have turned 79.

Here we look back at how she made her £15million fortune and her last wishes.

Story of rags to riches

Cilla has been dubbed the Cinderella of Liverpool after her rise to fame



Born Priscilla Maria Veronica White on May 27, 1943, it was not an easy start to life for Cilla growing up in the slums of Liverpool.

She used to hang out at the town’s now infamous Cavern Club, which helped launch the Beatles’ career – and hers when she started singing there after a brief stint as a locker room assistant .

Beatles manager Brian Epstein then signed her and she became known as Cilla Black after a local newspaper reporter mispublished her name.

Instead of complaining, she decided to keep the nickname as her stage name.

His musical career debut was recently portrayed by Sheridan Smith in the three-part drama Cilla.

During this time she recorded two number 1 singles, dueting with the Beatles, Cliff Richard and Dusty Springfield, and toured the world.

Cilla hosts hit dating show Blind Date



In 1978, Cilla was offered her own BBC entertainment show which saw her sing, dance and interview celebrities.

This sparked the start of her television career which made her a household name in the 80s and 90s.

Hit series Blind Date, Surprise, Surprise and The Moment of Truth followed and the nation lovingly called her “our Cilla” and used her catchphrases such as “a lorra lorra rit”.

One of her last television appearances was in the 2011 ITV comedy Benidorm in which she played herself.

Family life

Cilla and her husband Bobby Willis



During her singing career, Cilla met Bobby Willis, a talent agent who became her manager and later her husband.

The couple married in 1969 and had three sons together, Robert, Jack and Ben.

They also had a daughter, Ellen, who sadly passed away shortly after birth.

Family was more important to Cilla than fame. She told the Mail: ‘I remember thinking ‘To hell with the singing, I want a family’.

“When our first son, Robert, was born, I remember Bobby saying, ‘That’s it. It’s complete. And it was.’

A fortune of £15 million

Cilla’s sons, Robert, Jack and Ben


Peter Byrne/PA Wire)

When he died, Cilla’s estate was listed in his will as being worth £15,217,454.

The beneficiaries were his three sons, who were to receive just over £3million each after paying around £5.95million in inheritance tax.

However, due to their £2million Spanish mansion and £1.5million penthouse in Barbados, the trio were expected to get a bit more as they are not included in their UK estate.

A year after her death, Cilla’s sons put the eight-bedroom Buckinghamshire mansion – where she lived for 45 years in the village of Denham – on the market for £4.5million.

The impressive property included a tennis court, leisure complex, indoor pool and spa.

Gift to the housekeeper

The Buckinghamshire mansion where Cilla lived for 45 years


INS News Agency Ltd)

As well as her three sons, Cilla also left £20,000 to her housekeeper Penny Walker.

The star considered the employee “part of the family” after working for her for more than three decades.

Penny even lived in a detached cottage on the grounds of Cilla Manor in Buckinghamshire for 30 years.

Last wishes

Cilla’s sons with her statue in front of the Cavern Club


Julian Hamilton/Daily Mirror)

The star’s dying wish was to be buried as “Cilla the Singer” in her hometown of Liverpool.

Her funeral took place on August 20, 2015 at St Mary’s Church in Woolton before she was laid to rest next to her parents, John and Priscilla.

His great friends Cliff Richard, Paul O’Grady and Christopher Biggins paid tribute to the beloved artist. While his son Robert gave a moving eulogy.

In 2016, a life-size bronze statue of Cilla was unveiled outside the Cavern Club as a lasting tribute to the star.

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Obituary – Adah R. Mohrman – The Licking News


Adah Ruth Mohrman, daughter of the late George and Ruth (Keith) Batek was born on January 4, 1932 in Chicago, Illinois, and left this life on May 25, 2022, at her home in Raymondville, Mo.

She was married to Earl Henry Mohrman on September 20, 1952 in Chicago, Illinois. From this union were born six children. The family moved to Raymondville in 1976 from New Bremen, Ohio.

Adah was baptized at a very young age in Chicago. Adah and his friends would cycle to Wrigley Field to watch the Cubs play baseball whenever they could. Adah worked at the Raymondville school as a janitor and then at the sheltered workshop as a supervisor for several years.

Adah’s family was his pride and joy. From gardening, canning and cooking sweets to main course, or its cinnamon rolls, cookies, pies and jellies; she put her heart into everything she gave to her children and grandchildren. She enjoyed playing cards and games, collecting stamps, puzzles, houseplants and flower beds or just a good book. Adah enjoyed the simple life of the small farm and the country life. Watching her family grow was her greatest blessing and she always had a cat or five in her lap to cuddle.

She is preceded in death by her parents; husband, Earl Mohrman; daughter, Ellen Bellow; son-in-law, Henry Bellow; and grandson, Michael Amburn.

Adah is survived by her daughter, Eileen Wagner of Raymondville; sons, Charles Mohrman (Janet) of Raymondville, Elroy Mohrman of Dexter, Edward Mohrman (Brandi) of Raymondville and Eric Mohrman (Ronda) of Robertsville; nine grandchildren, Kelly, Amanda, Alex, Dustin, Thomas, Tina, Jennifer and Samantha; 13 great-grandchildren; and a great-great-grandchild.

A funeral service for Adah was held Wednesday, June 1, 2022 at 11 a.m. at Boone Creek Cemetery with Scott Barton officiating. Interment followed with Earl by her side at Boone Creek Cemetery. Memorial donations in Adah’s name may be made to Hospice Compassus or Texas County Memorial Hospital and left at Fox Funeral Home. Arrangements entrusted to Fox Funeral Home. Online condolences can be left at www.foxfh.net.

Updated Reports on Market Size, Growth, Revenue, Regional Analysis of Anti-Counterfeiting and Product Security Technologies – 2028


The Global”Anti-Counterfeiting and Product Security Technology Market“The report provides insight into the global industry, including valuable facts and figures. This research study explores the global market in detail such as industry chain structures, raw material suppliers, and manufacturing. The Anti-counterfeiting and Product Security Technologies sales market examines the major segments of the market scale. This smart study provides historical data as well as a forecast from 2022 to 2028.

The entire value chain and the critical downstream and upstream elements are examined in this report. This market report covers technical data, manufacturing facility analysis, and raw material supply analysis for Anti-counterfeiting and Product Security Technology industry and also explains which product has the highest penetration higher, its profit margins and its market shares.

Main Drivers and Obstacles:

High-impact factors and driving forces have been studied in the Anti-Counterfeiting and Product Security Technologies market report to help readers understand the overall development. Additionally, the report contains restrictions and challenges that may hinder players. This will help users pay attention and make informed trading decisions. The specialists also looked at the next business prospects.

In its latest report, ReportsGlobe offers a comprehensive overview of the Anti-Counterfeiting and Product Security Technologies Market with a focus on keyword dynamics including driving forces, restraints, opportunities, trends and detailed information on the structure of the anti-counterfeiting and product security technologies market. Anti-counterfeiting & Product Security Technologies market sales in the global market will increase as the business and advanced technologies increase. With the covid-19 epidemic, companies have become very dependent on digital platforms to survive.

Anti-Counterfeiting and Product Security Technology Market Segmentation:

Anti-Counterfeiting and Product Security Technology Market, By Application (2016-2027)

  • Revenue stamps
  • Secure credentials, cards and documents
  • Jewelry & luxury goods
  • Medications
  • Currency

Anti-Counterfeiting and Product Security Technology Market, By Product (2016-2027)

  • RFID
  • Holograms
  • Biometrics
  • Security printing
  • Software
  • Tags (others)

Key Players Operating in Anti-Counterfeiting and Product Security Technology Market:

  • Advanced tracking and tracing
  • alien technology
  • Alp Vision
  • Applied DNA Sciences
  • ATL Security Labeling Systems
  • Atlantic Zeiser
  • authenticix
  • Datamax-O’Nei
  • SSD
  • Dupont authentication systems
  • Edaps overseas
  • EM Microelectronics
  • FNMT – MRC
  • Giesecke & Devrient (G&D)
  • IAI
  • Impinj
  • InkSure Technologies
  • Microtag Temed
  • Morpho
  • Oberthur Technologies
  • proof label
  • SICPA Security Solutions
  • U-NICA Group
  • WISeKey

Anti-Counterfeiting and Product Security Technology Market Segment Analysis

The market study explores new data in the Anti-Counterfeiting and Product Security Technologies market report. It examines the market size in terms of the value of each segment, as well as how market dynamics are likely to change over time. The report then divides this information into types and proposed applications, with a geographical breakdown (North America, Asia, Europe, and Rest of the World). In addition, the report examines the structure of the industry, offers estimates of growth, forecast period, revenue value, and volume in industrial applications, and sheds light on industry competition.

Scope of the Anti-Counterfeiting and Product Security Technologies Market Report


The description






2022 to 2028




Types, applications, end users, and more.


Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends


North America, Europe, Asia-Pacific, Latin America, Middle East and Africa

Regional Analysis For Anti-Counterfeiting And Product Security Technologies Market:

The Anti-Counterfeit and Product Security Technologies market research report details current market trends, development outline, and several research methodologies. It illustrates the key factors that directly manipulate the market, for example, production strategies, development platforms, and product portfolio. According to our researchers, even minor changes in product profiles could lead to huge disruptions in the factors mentioned above.

  • 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

Aims and Objectives of Anti-Counterfeiting and Product Security Technology Market Research

  • Understanding the opportunities and advancements in anti-counterfeiting and product security technologies determines the market strengths, along with the key regions and countries involved in the market growth.
  • Study the various Anti-Counterfeit and Product Security Technology market segments and the Anti-Counterfeit and Product Security Technology dynamics in the market.
  • Categorize the Anti-Counterfeiting and Product Security Technology segments with increasing growth potential and assess the market for the futuristic segment.
  • To analyze the most important trends related to the different segments that help to decrypt and convince the Anti-Counterfeiting and Product Security Technologies market.
  • Check region-specific growth and development in the Anti-Counterfeiting and Product Security Technology Market.
  • Understand the major Anti-Counterfeit and Product Security Technology market stakeholders and the value of the competitive image of the Anti-Counterfeit and Product Security Technology market leaders.
  • To study the key plans, initiatives, and strategies for the development of the Anti-Counterfeiting and Product Security Technologies Market.

The study thoroughly examines the profiles of major market players and their key financial aspects. This comprehensive business analysis report is useful for all new and existing participants when designing their business strategies. This report covers KEYWORD production, revenue, market share and growth rate for each key company and covers the breakdown data (production, consumption, revenue and market share) by regions, type and applications. Historical breakdown data of anti-counterfeiting and product security technologies from 2016 to 2021 and forecast for 2022-2028.

Global Anti-Counterfeiting and Product Security Technology Market Research Report 2022-2028

Chapter 1 Anti-Counterfeiting and Product Security Technology Market Overview

Chapter 2 Global Economic Impact on Industry

Chapter 3 Global Market Competition by Manufacturers

Chapter 4 Global Production, Revenue (Value) by Region

Chapter 5 Global Supply (Production), Consumption, Export, Import by Regions

Chapter 6 Global Production, Revenue (Value), Price Trend by Type

Chapter 7 Global Market Analysis by Application

Chapter 8 Manufacturing Cost Analysis

Chapter 9 Industrial Chain, Sourcing Strategy and Downstream Buyers

Chapter 10 Marketing Strategy Analysis, Distributors/Traders

Chapter 11 Market Effect Factors Analysis

Chapter 12 – Global Anti-Counterfeiting and Product Security Technology Market Forecast

How Reports Globe is different from other market research providers:

The creation of Reports Globe has been underpinned by providing clients with a holistic view of market conditions and future possibilities/opportunities to derive maximum benefit from their business and assist in decision making. Our team of in-house analysts and consultants work tirelessly to understand your needs and provide the best possible solutions to meet your research needs.

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Inside Cilla Black’s will, from a £15million fortune to sons, a mansion and a housekeeper gift


Cilla Black was one of the most beloved presenters of all time before her tragic death in 2016.

The entertainer, dancer and actress had a long career, starting as a singer and reaching the top of the charts in 1964.

Her role as the host of the iconic dating show Blind Date, from 1985 to 2003, propelled her to new stardom and her vast fortune continued to grow.

She tragically died of a stroke in 2016, but now, on what would have been her 79th birthday, Daily Star has taken a look at what happened to her enormous wealth.

£15m gift to sons

The beneficiaries of the star’s £15,217,454 estate are listed in the will as her children.

Her husband Bobby Willis died of cancer in 1999 and she never remarried.

His three sons (Robert, Jack and Ben) have been charged with just over £3million after paying £5.95million in inheritance tax.

Cilla Black’s son Robert and his family leave St Mary’s Church in Woolton, Liverpool, after her funeral for Cilla Black

That was even before he touched Cilla’s extensive property portfolio – which included a villa in Estepona, southern Spain, a flat in central London and a beachfront property in Barbados.

Sumptuous mansion

Her three children also left behind the Blind Date host’s eight-bedroom home, which included a tennis court, recreation complex, indoor pool and spa.

She had bought the property in the Bucks village of Denham in 1970.

The lavish grounds also included a detached cottage where Cilla’s housekeeper, Penny Walker, has lived for the past 30 years.

Cilla owned many properties here and abroad including this beautiful area of ​​Barbados
Cilla owned many properties here and abroad including this beautiful area of ​​Barbados

They put it on the market about a year after he passed away.

Admitting it was sad the family was leaving the close-knit village, a local source told the Daily Star on Sunday: ‘Cilla was an integral part of village life when her boys were younger, but she has been on her own for the past few years. .”

Nice gift to housekeeper

Penny Walker, the star’s housekeeper, was considered one of Cilla’s closest friends.

In fact, the pair were so close that Cilla left them £20,000 in her will, according to court documents revealed in The Sun.

Reports at the time of her death claimed the star considered the employee “part of the family” after working for her for more than three decades.

Cilla was a beloved presenter
Cilla was a beloved presenter

Cilla Black attends the Arqiva British Academy Television Awards at Theater Royal on May 18, 2014 in London, England.
Cilla Black attends the Arqiva British Academy Television Awards at Theater Royal on May 18, 2014 in London, England.

News of the star’s death shocked the world in 2016. The 72-year-old was sunbathing when she lost her balance, fell and hit her head, knocking her unconscious.

A sobering autopsy report confirmed that the cause of his death was subarachnoid hemorrhage – a form of stroke caused by a brain hemorrhage.

Andre Rebello described how his eldest son Robert discovered his mother on the terrace of his luxury Costa del Sol villa in Estepona at 5.30pm on August 1.

What is the tax? An overview of taxation in India


What is the tax system? The Indian tax system is separated into direct and indirect taxes. While direct taxes are levied on the taxable income of individuals and corporations, assessees are responsible for taxes on deposits. Indirect taxes, on the other hand, are levied on the sale and supply of goods and services, and the cost of collecting and filing taxes falls on the sellers rather than the directly assessed.

The central and state governments are primarily responsible for collecting all major taxes in India. Local governments, such as municipality and local government, levy other minor taxes.

What is tax in the case of central, state and local governments? The central government of India collects customs duty, central excise duty, income tax and service tax. State governments levy income tax, state excise duty, business tax, estate income, and stamp duty on farm income. Local governments are responsible for collecting grant, property tax, and other taxes on a variety of services, such as water and drainage.

Tax Saving Investment in India You Need to Know

What is a tax-advantaged investment? Tax-saving investments that allow tax deductions, especially under Sections 80C and 80CCC, are crucial in life. The relevance and benefits of these assets make it common for people to want to invest. They are, however, hesitant to invest because of the low returns and varying risks associated with different investments.

For salaried and non-salaried taxpayers, the tax savings season begins on April 1. As a savvy investor, you should look for tax investments that not only save you money, but also allow you to generate tax-free income.

Here’s a look at some of the best tax-saving investment plans for 2022 that can help maximize your tax benefits:

Tax Savings Fixed Deposit

What is Low Rate Fixed Deposit? Like any other fixed deposit, you deposit a predetermined amount and you are guaranteed an annual return. The only difference is that you save money on your taxes. You will not be able to withdraw your funds during the lock-up period. People who need a consistent annual return often opt for a tax-saving fixed deposit.

Samriddhi Yojana Sukanya

Prime Minister Narendra Modi announced the Sukanya Samriddhi Yojana as part of his Beti Bachao Beti Padhao campaign. The main objective of this strategy is to secure the future of the girl child by investing in her marriage, education and presentation.

The plan is governed by Section 80C of the Income Tax Act 1961, and it allows a tax benefit of up to Rs 1.5 lakh.

Seniors Savings Plan (SCSS)

The Savings Scheme for the Elderly (SCSS) caters primarily to the elderly in the country over the age of 60. This long-term tax savings opportunity is ideal for seniors as it provides them with a steady stream of income while saving them money on taxes. .

Up to Rs 1.5 lakh can be deducted under Section 80C of the Income Tax Act. Additionally, if the principal amount is withdrawn by the legal successor or attorney after the death of the account holder, there is no tax payable on the amount withdrawn.

What is tax planning and why is it important for financial well-being?

What is tax planning? The term “tax planning” is self-explanatory. It is an overview of a person’s financial situation from the perspective of tax savings.

Taxes can eat into your annual income. As a legal strategy, tax planning and tax saving can be used to lower your tax bill for the current year.

Tax planning allows you to make the most of government tax exemptions, deductions and benefits to reduce the amount you pay.

Here are some of the reasons why tax planning is necessary to maintain your financial well-being:

To maintain economic stability

What is the tax for? The money collected from taxpayers is used to improve the country. The steady growth of the economy can be attributed to effective tax planning and administration. It is good for citizens and for the economy.

Easy retirement

It’s hard to save for retirement under most conditions, but it’s even harder after taxes. Fortunately, many retirement savings alternatives allow you to put money aside without paying tax on it.

Boost productivity

One of the most important goals of tax planning is to direct taxable income into various investment strategies to increase productivity and wealth.

Minimize disputes

The resolution of tax disputes with local, state, federal or international tax authorities is done through litigation. Tax collectors and taxpayers often find themselves at odds, as the former want to receive the full amount declared, if possible, while the latter want to reduce their tax bill.

[Impact Feature]

Home equity loan vs personal loan


What is the difference between a home loan and a personal loan?

A home equity loan and a personal loan both offer one-time lump sum payments that must be repaid in installments over an agreed period of time. However, the main difference is that home equity loans are a specific form of secured loan in which the borrower’s home is used as collateral. Personal loans, on the other hand, may or may not be secured by collateral and are a much broader and varied category.

Since personal loans tend to have a less intensive approval process than a home equity loan, they can generally be quicker and easier to obtain. Although home equity loans generally take longer to be approved, they tend to offer a lower interest rate than a personal loan and potentially a higher loan amount. Before pursuing either option, however, it is important to consider the amount you need and the purpose of your loan.

Key points to remember

  • Both home equity loans and personal loans offer one-time lump sum payments to be repaid in installments over a specified period of time.
  • A home equity loan is a type of secured loan in which the borrower’s home is used as collateral, while personal loans can be secured or unsecured with collateral.
  • Personal loans tend to be faster and easier to approve, while home equity loans require a property appraisal and a longer application and approval process.
  • Home equity loans generally offer a lower interest rate than personal loans, but both generally offer lower interest rates than credit cards.
  • Both loan types can be used for a variety of purposes, although home equity loans can offer larger amounts, depending on the equity in the borrower’s property.
  • Interest payments on personal loans are not tax deductible, while interest payments on home equity may be if the loan is used to “purchase, build, or substantially improve the home. of the taxpayer guaranteeing the loan”.

Structure and purpose of the loan

In a home equity loan, money is borrowed using the value of your home (more specifically, the equity in your home) as collateral. The FTC defines home equity as “the difference between what you owe on your mortgage and the amount you could get for your home if you sold it.” This is why a home equity loan is sometimes called a “second mortgage”.

Many personal loans are unsecured, but there are secured personal loans that can be secured by collateral such as a certificate of deposit (CD), stock, vehicle, or savings.

Personal loans can be used for a variety of purposes, including consolidating credit card debt, paying off higher interest rate debt, major expenses (like a major appliance or vacation), or even establishing or improving your credit score.

Home equity loans can also be used for a variety of purposes, such as debt consolidation, large one-time expenses, or educational or medical expenses. Keep in mind that a home equity loan is a lump sum payment, so a home equity line of credit (HELOC) may be better suited to situations (like a long home improvement project or starting a business). a business) where a large amount of ongoing funding is needed, or money will be needed continuously over a period of time.

When considering which loan to access for financing in the specific case of home renovations or improvements, a home equity loan may be a better option than a personal loan. Indeed, in most cases, interest paid on personal loans is not tax deductible; however, interest payments on the equity in the property are – provided the home equity loan is used to “purchase, build or substantially improve the home of the ratepayer who is securing the loan”.

Loan application and approval

Personal Loan Application and Approval

When applying for a personal loan, the following will generally be considered by the lender:

  • Your credit score and credit report
  • Your income and employment status
  • Any debt you may have (in particular, your debt-to-income ratio (DTI))
  • The interest rate permitted by applicable state law
  • Collateral (if applying for a secured loan)

The amount of the loan and the duration of the repayment term are also important factors that will determine the interest rate of the loan. Personal loan amounts can range from a few hundred dollars to $100,000.

Keep in mind that personal loans may also include fees such as:

  • Assembly costs
  • Fees for processing documents and administrative formalities
  • Credit insurance (optional)
  • Disability insurance (optional)
  • Non-declaration insurance (for secured loans)
  • Late penalties

It usually takes between one and seven business days to get a personal loan, depending on the lender.

Home Equity Loan Application and Approval

When you apply for a home equity loan, a lender will calculate your loan-to-value ratio (LTV) or your combined loan-to-value ratio (CLTV) to determine the amount of money they will allow you to borrow. This calculation basically answers the question: if the house is sold, will it cover the amount owed by your original mortgage and this additional loan, and by how much? It is also an important factor in determining the interest rate for your loan. Usually, the lower your LTV, the lower your interest rate.

In order to determine the value of your home, there is usually an appraisal process, similar to that of a conventional mortgage. This may incur various fees and closing costs. Your income and credit history will also be taken into consideration. The maximum amount you can borrow is usually around 80% of the equity in your home. Keep in mind that most lenders have a minimum amount they will lend in this type of loan agreement, usually around $10,000.

Interest rate and payment terms

The interest rate of a personal loan can be fixed or variable, and can be lower than that of a credit card, but generally higher than that of a home equity loan (especially in the case of personal loans not guaranteed). In general, evaluate a personal loan interest rate by comparing it to the national average: if it is lower, it is a good sign. On a personal loan, the interest rate can vary from 6 to 36%, depending on your credit history.

The duration of personal loans can vary from around 1 to 5 years, sometimes more. It is advisable to choose the shortest loan term for which you can afford monthly payments.

Home equity loan interest rates are usually fixed and tend to be lower than personal loans and credit cards because the home is used as collateral. However, the risk here is that if the loan is not repaid, the lender may repossess and sell the home to cover the remaining debt. It also means that if the value of your home goes down, the amount you may owe will exceed the value of the home.

Home equity loan interest rates can range from 1.89 to around 11.75%, depending on the term and equity of the property and the borrower’s credit history, with the average being around 4 at 5 %.

Home equity loans can range from 5 to 30 years.

other considerations

When considering a loan, it’s important to shop around and compare the terms and offers offered by different banks, credit unions, and financial companies. Under the Truth in Lending Act (TILA), lenders are required to disclose the following information before signing any loan agreement so that consumers can understand and compare different offers:

  • The total amount you borrow
  • Amounts of repayments and their deadlines
  • How much does it cost to borrow money (called “finance charges”; includes interest and any fees applicable to the loan)
  • Annual Percentage Rate (APR)
  • Any penalties that may apply in the event of late payment
  • The consequence(s) of not repaying the loan and the actions the lender can take
  • Any penalties that may apply in the event of early repayment of the loan

Try using a loan calculator to get an idea of ​​how much you’ll end up paying.

Does a home equity loan have lower interest rates than a personal loan?

Usually, yes. On a personal loan, the interest rate can vary from 6 to 36%, depending on your credit history. For home equity loans, the interest rate can be as low as 1.89%, going as high as around 11.75% (depending on the term of the loan), with the average hovering around 4-5%.

Does a personal loan have lower interest rates than a credit card?

Personal loans may have lower interest rates than a credit card, but not necessarily. This will largely depend on the length and type of loan (secured or unsecured, for example) as well as the borrower’s credit history.

What is the difference between a personal loan and a home loan?

The biggest difference between a personal loan and a home equity loan is the structure – a home equity loan is a specific type of secured loan in which the borrower’s home is used as collateral. While both offer lump-sum, one-time payments, the amounts for each can vary and the approval process is different (usually much shorter, in the case of personal loans).

The essential

When considering a personal loan rather than a home equity loan, it’s important to consider whether either option is best for your financial situation (or whether another type of credit, such as a line of credit or a refinancing option, could be more favorable). Use a loan calculator to get an idea of ​​how much you’ll potentially spend. Given the purpose of the loan and the amount you will need, research the best options between different lenders and make sure you understand the entire agreement and associated fees before signing anything.

Briton arrested in Canary Islands for fake document so he can stay in Spain after Brexit – World News


Police in Tenerife are investigating four Britons who allegedly presented fake ‘padron’ certificates, which allow people to stay in Spain after Brexit

The four Britons are under investigation in Tenerife

A Briton has been arrested by Spanish cops in the Canary Islands for possessing a fake document allowing them to stay in the county after Brexit.

Officers in Tenerife are investigating three other Britons who allegedly presented false documents allowing them to stay on the island.

Local media say that in all four cases the suspects were holding fake padrons – proof of an official address you receive after registering with your local town hall.

All four allegedly had fake padron certificates dated back to before the Brexit deal, which allowed residency status in Spain.

Spanish investigators from the Santa Cruz de Tenerife immigration office are reportedly looking into these allegations.

The British allegedly produced false documents


Getty Images/Mix Collection: RF Subjects)

In November 2021, the UK Embassy warned on its Facebook page: “The Spanish authorities have asked us to warn UK nationals against submitting fraudulent residency applications, either directly or through the intermediary of a third party.

They are particularly alert to fake health insurance, padrón certificates and lease contracts, as well as people falsely claiming student status.

“Of course, this only applies to a very small minority, but it’s a useful reminder that if you’re using a gestor, make sure they’re as reputable as possible.

“We recommend using the online database of registered gestores [on our website] or ask for personal recommendations from people you trust.

“And if you are submitting your application yourself, it is important to provide as much documentation as possible to avoid being refused for lack of proof of having moved to Spain before January 1, 2021.

One of the Britons was seized by authorities


Getty Images/iStockphoto)

Britons applying for post-Brexit residency under the Withdrawal Agreement must prove they were resident in Spain before the end of 2020.

Applying for residency under the Withdrawal Agreement is simpler and less demanding than applying for residency as a non-EU national.

The Britons surveyed all live in the south of Tenerife, which is a popular tourist destination among Britons and home to a large expatriate British community.

Further arrests have not been ruled out following the ongoing investigation.

Last year, an elderly British woman was banned from entering Spain due to a post-Brexit issue with her passport.

The woman – named only Linda, 72 – was traveling from Gibraltar to Spain to visit her son, but was held up at the border because her passport lacked an exit stamp from a previous trip.

Britons entering and leaving the Schengen area must now have entry and exit stamps, but passport authorities forgot to stamp Linda when she last visited the country in June.

When she attempted to visit again last month, she was refused entry and classified as an ‘overstay person’.

“I was refused entry to Spain on September 26 because my passport had not been stamped on exit during a previous week-long visit to Spain which started on June 4.”

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.

Here’s when you should renew your passport if you need it in time for summer vacation.

Portugal set to be popular with Brits again this summer


Portugal set to be popular with Brits again this summerCredit: Alamy

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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SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
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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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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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Copyright 2022 WBRC. All rights reserved.

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