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The Best Credit Cards for Credit Loans with Guaranteed Approval in 2022

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Credit cards can bring a lot of benefits for our financial routines — until you receive erroneous charges and are unable to pay them.

They can be a financial tool that allows millions of people to purchase items when they require them. It’s among the most efficient and quickest ways to receive cash in a flash particularly if you have a poor credit score.

It’s a bit difficult to sort through the hundreds of credit cards on the marketplace in the present. There’s a lot of information and options available that one can easily become lost among all the information that pops up. Knowing which credit card is best for your needs as a customer and user isn’t an easy task.

The correct cards aren’t easy to locate The wrong cards could only make your situation worse. This is why it is important to be patient and think about all the options you have. However, don’t worry because our experts have completed the legwork and reviewed the top credit cards that work for people with bad credit oak park financial logo.

Our list of the top credit cards that are suitable for those with poor credit has been specifically crafted taking your needs into your mind. We’ve reviewed each card in detail and assessed their fees, rates along with their interest rate and reward programs. We also have included our recommendations to this ranking of five top credit cards that are suitable for those with poor credit.

What We Searched For

We analyzed every credit card available and you don’t need to. We compiled the following list of criteria to review all credit cards with poor credit scores, including some elements like:

  • Annual Cost:Some credit cards charge an annual fee. The cost is added to the total amount due and you’ll have be responsible for paying interest on that cost and the purchase unless you pay your balance off every month in full. That’s why we looked for credit cards that have lower annual charges.
  • Security DepositsCredit credit card firms, typically, however, will require you to make a fee also known as a security security deposit. The security deposit can be refunded provided that you make all your payments punctually. Credit card companies can increase your maximum credit amount after a specific period of time if you pay all your bills punctually. So, we sought credit cards that didn’t require advance payment as security deposits.
  • Annual Percentage Ratio The annual percentage rate represents the interest you pay on credit card. Making sure you pay your balance at the end of each month on the due date can avoid this rate of interest. Therefore, we recommend these credit cards to avoid high interest rates.
  • Bonuses and RewardsWhile there was a lengthy collection of credit card provided by different providers We loved adding those that offer a variety of benefits to customers.

Things to Take into Account When selecting a credit Card

Around a hundred thoughts run through your mind when you are looking to purchase a credit card. The majority of them are focused on finding the most affordable deal, not on how bad a credit card is.

Certain factors determine whether your deal to be either a boon or a curse. Therefore, we’ve compiled these for you to help. If you decide to pick the right card, don’t ignore these aspects:

  • Association With Credit Bureaus

If you are applying for a credit card, you should ask the company if the card can help you develop credit. If you think so, ask which agency or credit reporting agency the card is reported to. If it doesn’t report your transactions to the firms that prepare the credit reports necessary for the evaluation of credit scores, then choose a different card.

Because prepaid cards do not require borrowing money, they will not have to be reported to credit bureaus.

  • A Free Credit Score

The majority of credit card companies offer accessibility to the credit scores of their customers. This means that you can keep an in check your score and keep track of your financial health as time passes. This could also help you to locate an issuer who rewards for good behavior, or other programs that could improve your credit standing.

  • Fees

A credit score, as well as a rating, can have a major impact on the interest rate you pay for your loan. When you compare your credit cards, you need to decide on the interest rate as well as the method of calculation. The reason behind this is straightforward — the better your credit score will be, the lower interest rate you’ll be charged.

A lot of credit cards that are not secured advertise that they require no deposit to apply, however you could pay several hundred dollars of charges. In general, secured credit cards have zero or a small annual cost.

The cards are also free of additional fees. A deposit is required to get secured credit cards, however, you’ll get your money back if you decide to cancel the card prior to when your first bill is due.

  • Upgrade Chances

A bad credit score could help you build up your credit over the time in which you’re paying off your debts and making timely payments. Once you’ve become a higher credit risk, an unsecured card could be easier to obtain since it is not necessary to close the account you have and then open another one.

Thus, choose credit cards that come with endless upgrade opportunities.

Natalie McGarry, former SNP MP, jailed for two years for embezzlement

A former SNP MP who embezzled nearly £25,000 from two pro-independence groups has been jailed for two years

Natalie McGarry, 40, who represented Glasgow East between 2015 and 2017, was found guilty of two embezzlement charges – totaling £24,635 – in May following a trial at Glasgow Sheriff Court.

A majority jury found her guilty of a £19,974 embezzlement charge while she was Treasurer of Women for Independence (WFI) between April 26, 2013 and November 30, 2015.

She was also found guilty by a majority of a second charge of taking £4,661 between April 9, 2014 and August 10, 2015 while serving as Treasurer, Secretary and Convenor of the Glasgow Regional Association of the SNP .

By your role in these offences, you have not only betrayed the trust placed in you by others, but your standards fall far short of those the public should be entitled to expect of Members of Parliament.

Sheriff Tom Hughes

Sentencing McGarry, Sheriff Tom Hughes said she betrayed people who trusted her and a custodial sentence was inevitable.

He told her: “It is quite clear that society has the right to expect the highest standards from those who seek and ultimately obtain high public office.

He added: ‘By your role in these offences, you have not only betrayed the trust placed in you by others, but your standards fall well below those which the public should be entitled to expect of MPs.’

The sheriff described the offenses as “very serious charges that took place over a long period of time.”

During the six-week trial, the court heard from dozens of witnesses, including former Scottish Health Secretary Jeane Freeman, who said she slammed McGarry after noticing a large deficit in WFI accounts.

Former Health Secretary Jeane Freeman testified against McGarry. (Andrew Milligan/PA)

Ms Freeman said she had no idea that donations made to the group’s independent crowdfunder went from the organization’s PayPal account to McGarry’s personal bank account.

She also expressed frustration at McGarry’s delay in delivering receipts and invoices that would show what the funds were spent on.

The court also heard witnesses say that McGarry had personal financial difficulties and regularly received loans from family and friends.

This included Humza Yousaf, the current Scottish Health Secretary, who gave McGarry £600 to save her from being evicted from her home.

The court also saw McGarry’s bank statements, which showed WFI’s Crowdfunder donations were transferred to his own personal account.

It included £10,472.52 on April 29, 2014 and a further £9,848.70 on November 12, 2014 – which she used to pay rent and purchases.

Natalie McGarry was sentenced at Glasgow Sheriff Court (Jane Barlow/PA)
Natalie McGarry was sentenced at Glasgow Sheriff Court (Jane Barlow/PA)

McGarry had said these were “legitimate” expenses she had incurred and were reimbursing herself.

At sentencing on Thursday, defense officer Allan Macleod urged the sheriff to treat his client with as much leniency as possible.

He said: ‘It is difficult to overstate the significant impact these offenses have had on Ms McGarry’s life.

“In 2015 she was an MP, which was a lifetime achievement. It turned into a life she could hardly have imagined seven years ago.

“The last seven years have been almost intolerable for her. As a result of these crimes, she was ostracized by her former colleagues, friends with whom she was friends, she lost her seat in parliament.

He said that to a large extent McGarry had “retired from life itself” and her main focus now was on caring for her four-year-old.

McGarry was elected as an SNP member in 2015 but resigned as party whip after allegations of fraud emerged – which she denied.

She continued in Parliament as an Independent MP representing Glasgow East but did not seek re-election in 2017.

McGarry previously appeared in court for embezzlement in 2018.

She was sentenced to 18 months behind bars in June 2019 at Glasgow Sheriff Court after admitting two charges of misappropriation of over £25,000.

A few days later, she attempted to withdraw both of her guilty pleas, but the sheriff ruled that was not possible.

She began an 18-month prison sentence before being released on bail a few days later, pending an appeal.

The conviction was overturned in December 2019 and McGarry was later told of a new prosecution, which has now ended.

What did the trial reveal and what sentence can we expect?

British socialite Ghislaine Maxwell is set to be sentenced after being found guilty of sex trafficking following a month-long trial in US federal court in Manhattan.

Maxwell, 60, lured young girls to massage parlors to be sexually assaulted by disgraced financier Jeffrey Epstein between 1994 and 2004.

Here, the PA news agency takes a look at what we learned from the trial and what to expect at Tuesday’s hearing.

– How many accusers testified at the trial?

There were four female accusers who testified at trial.

Annie Farmer, who was 16 when she met Maxwell, was the only one of the four to testify using her full name.

The other three women testified under the pseudonyms of Jane, Kate and Carolyn.

– What did Jane say in her testimony?

Jane said Maxwell and Epstein called her in for an orgy when she was just 14 in 1994.

She told jurors Epstein would use sex toys on her ‘even if it hurt’ and said he and Maxwell would ‘caret’ each other while ‘laughing casually’ in front of her.

Jane said she remained “frozen with fear” after her encounters with the couple, and in cross-examination she told the jury she did not “believe I had found any memory” of having been sexually abused.

Jane claims she was summoned to sexualized massages with Jeffrey Epstein from the age of 14 (US Department of Justice)

– What did Kate say in court?

Kate told jurors she was introduced to massage oils at Maxwell’s London townhouse when she was 17 and told to ‘have a good time’ before having a massage sexualized to Epstein.

The British accuser also said she was invited to Epstein’s house in Palm Beach, Florida when she was 18 and Maxwell made her a schoolgirl outfit because she ‘thought it would be fun “.

After sexualized massages with Epstein, Kate said Maxwell called her “such a good girl”, describing her as one of the disgraced financier’s favourites.

– What did Carolyn tell the jury?

Carolyn told the jury Maxwell groped her when she was 14 after telling the defendant she was assaulted and raped when she was four.

Maxwell told Carolyn she had an “awesome body for Epstein and friends” after touching her breasts in his massage room.

The witness told jurors she stopped seeing Epstein for massages when she was 18 because she had become “too old” for him.

Maxwell allegedly called Kate 'such a good girl' after sexualized massages (US Department of Justice)
Maxwell allegedly called Kate ‘such a good girl’ after sexualized massages (US Department of Justice)

– What did Annie Farmer say in her testimony?

Annie Farmer said Maxwell told her to strip at Epstein’s ranch in New Mexico and rubbed her breasts during a massage.

She told jurors that Epstein ‘stroked’ her hand at the movies and slept with her on his ranch because he ‘wanted a hug’.

– What famous names were dragged into the Maxwell lawsuit?

A number of famous names were mentioned throughout the trial, including the Duke of York, former US Presidents Donald Trump and Bill Clinton, and Pope John Paul II.

Jane told the court she flew on Epstein’s private plane with Andrew and met Mr Trump at his Mar-a-Lago resort in Palm Beach.

Other notable passengers on Epstein’s planes included Mr Trump, Mr Clinton and actors Kevin Spacey and Chris Tucker.

The trial also heard that Epstein had photos of himself with famous people hanging in his homes, including former Cuban leader Fidel Castro and Pope John Paul II.

A photograph, shown to the jury, appeared to show Maxwell and Epstein in a log cabin on the Queen’s Balmoral estate.

The Duke of York was named a passenger on one of Epstein's private planes (Joe Giddens/PA)
The Duke of York was named a passenger on one of Epstein’s private planes (Joe Giddens/PA)

– Who else testified in connection with the US government’s case?

Juan Patricio Alessi, Epstein’s former housekeeper at his Palm Beach home, told jurors he drove Jane and Andrew’s accuser, Virginia Roberts, home under Maxwell’s orders when they had 14 or 15 years old.

He also said staff were given a ‘housekeeping manual’ that told them to ‘see no, hear no, say no more’ and never divulge the activities or whereabouts of Maxwell and Epstein. to anyone.

FBI analyst Kimberly Meder presented jurors with various photos found on CDs seized from Epstein’s New York home, including those of Maxwell rubbing his feet.

Palm Beach Law Enforcement Officer Gregory Parkinson was asked to identify a massage table that had been brought to court after being seized from Epstein’s home.

“What was said in Maxwell’s defense?”

In her opening statement to the jury, defense attorney Bobbi Sternheim said the charges against Maxwell relate to “things that Jeffrey Epstein did.”

The defendant refused to testify at her trial, telling the judge, “Your honor, the government has not proven their case beyond a reasonable doubt, so I have no reason to testify.”

Maxwell’s lawyers have tried to show that the victims exaggerated the defendant’s involvement in one of Epstein’s crimes.

Maxwell lured girls to a variety of properties owned by Epstein, as well as her home in London (PA Graphics)
Maxwell lured girls to a variety of properties owned by Epstein, as well as her home in London (PA Graphics)

“What sentence can Maxwell expect now that she’s been convicted?”

Maxwell was convicted of conspiracy to commit the sex trafficking of minors, which carries a maximum legal sentence of 40 years in prison.

His conviction for transporting a minor with intent to engage in criminal sexual activity carries a maximum sentence of 10 years, while conspiracy to transport a minor with intent to engage in Criminal sexual activity is punishable by up to five years in prison.

The latest charge of sex trafficking of minors carries a legal maximum of five years in prison, bringing the maximum legal sentence for all charges to 65 years.

Prosecutors urged the judge to hand down a sentence of 30 to 55 years.

Will victims speak at the sentencing hearing?

Annie Farmer, Kate and Virginia Giuffre were allowed to read victim impact statements orally in court.

Maria Farmer, Sarah Ransome, Teresa Helm, Elizabeth Stein and Juliette Bryant have been advised that their statements will only be accepted as written submissions.

SIGNING | Millers finalizes deal with McCart – News


Rotherham United are delighted to confirm that they have completed the signing of Scotland defender Jamie McCart, subject to EFL and FA ratification and international clearance.

The Millers announced on Friday that personal terms had been tentatively agreed with the 25-year-old, who underwent a full medical on Monday to ensure his registration at New York’s AESSEAL Stadium could be submitted.

McCart joins on a three-year deal after his deal expired north of the border with St. Johnstone, where he made 104 appearances during his time with the Saints and arrives in South Yorkshire to bolster full-back custody of Paul Warne.

The left-handed centre-back began his career in Scotland with the Celtic academy and enjoyed loan spells with St Mirren, Alloa and Inverness Caledonian Thistle before joining the latter on a permanent basis in 2018.

He made 62 appearances in all competitions for the Highland team over 18 months before arriving at McDiarmid Park.

Capped for Scotland at U19 and U21 level, McCart played a vital role in helping the Perth club to a famous Cup double in the 2020/21 campaign, in which Saints clinched the European Cup. Scotland for the second time in their history. as a first-ever Scottish League Cup triumph.

Sketchy ads on TikTok encourage high-interest payday loans

A group of secret TikTok advertisers are using sketchy tactics to push massive loans that experts say could violate misleading advertising laws, The Post has learned.

Some of the ads tease “almost instant” five-figure deposits despite bad credit, while others seem to imply that they are part of government “inflation programs” and use the logos of news organizations like CNN.

Cash-strapped borrowers who click on links in many advertisements are asked to provide sensitive personal information, including their social security and bank account numbers.

“At best, these videos are designed to make you give up information you shouldn’t be giving away, which will lead to more solicitations,” John Breyault, vice president of the National Consumer League advocacy group, told The Post. “At worst, this is a complete scam designed either to take your money or information for fraudulent purposes.”

A typical TikTok loan ad opens with a photo of the words “US Government Inflation Program 2022” on a video from the US Capitol.

Some advertisements appear to imply that they are part of the government’s “inflation programs”.
ICT Tac

“The US government’s inflation program helps Americans get a loan, even with bad credit,” a voiceover says in somewhat broken English. “You can get up to $50,000 by filling out a simple form.”

The ad then cuts to a shot from the point of view of a person holding stacks of hundred dollar bills in a car.

“I use my money to cover my bills, fill up on gas for the rest of the year, and cover my medical needs,” the voiceover says. “Click the link below, fill out the form in as little as 60 seconds and see how much you can get. Thank me later.”

People who click on the link, which leads to a site called “Lavish Finances”, are asked to fill out forms with personal information, including bank details, social security numbers and addresses.

Lavish Finance says it then passes applicants’ information to lenders, who can respond with loan offers with annual interest rates of up to 35.99% for terms of up to four years. If someone were to take out a loan under the sites maximum terms – $50,000 repaid at 35.99% APR over four years – the user would ultimately be liable for more than $137,000.

Tik Tok Logo
Experts say the sketchy tactics of TikTok advertisers to push massive loans could run afoul of the law on misleading advertising.
Reuters

Breyald said the loans advertised by Lavish Finance and similar sites are “terrible” for the vast majority of consumers.

“35.99% APR is higher than some of the highest credit card loans,” he said.

Breyault and Bartlett Naylor, a financial policy advocate with consumer rights group Public Citizen, said the ads risked violating Federal Trade Commission rules on misleading advertising.

@Loanssy TikTok announcement for a loan
Other advertisements use the logos of news organizations like CNN.
ICT Tac

“If it is implied that it is a government program and you click on it and it is not a government program, my advice is: you are being scammed,” Naylor said, advising people to “stay away” and calling on TikTok to take a tougher line against people. loan announcements.

After The Post contacted TikTok to comment on the ads from Lavish Finances and other companies, the social media site removed them over violations of its advertising policies, which prohibit “misleading, inauthentic and deceptive behavior”.

“Advertisers and ad content must follow our Community Guidelines, Advertising Guidelines, and Terms of Service, and content that violates these guidelines will be removed,” a TikTok spokesperson told The Post.

When The Post emailed the only email address available on the Lavish Finances website for comment, messages bounced back. A phone number listed on the site went directly to a voicemail, which was full. The Lavish Finances site lists the address of a building in Dover, Del., which sells “virtual office services” for $50 a month.

The FTC said it does not comment “if it is investigating a specific company, individual, or business practice.” The agency has not announced any action against any of the sites mentioned in this article, but it Is frequently prosecute The companies, according to the agency, falsely claim to be affiliated with the US government.

Lavish Finances is far from the only advertiser to use questionable techniques on TikTok. An ad that links to a site called PersonalLoanPro shows what appears to be a fake CNN segment. It flashes “BREAKING NEWS” that “AMERICANS CAN NOW CLAIM UP TO $50,000”.

“They’re showing it again,” a man says, pointing to a television showing the segment. “That’s how I got my money.”

The camera then pans to the man’s face as he says: ‘A new benefit was just released last week allowing Americans to claim up to $50,000. You don’t need a credit history at all — no bank requirements. I did it myself and made $8,000 in two days.

A similar Facebook version of the video was slap with a ‘false news’ warning in May – but as of mid-June it was still being advertised on TikTok without any disclosure.

@Loanssy TikTok announcement for a loan
Some lending sites ask users to enter sensitive information, including their social security number.
ICT Tac

Other advertisements related to PersonalLoanPro feature various narrators gushing about receiving money through the site. In one, the text “Got $45,000 near INSTANTLY” appears on screen as a female narrator approaches a man and says, “Babe, where did you get all that money?

The man shows an online bank account on his phone and says, “That’s really crazy. I just got a $45,000 loan and it’s already in our bank account.

In another ad, a male narrator sitting in a car brandishes wads of hundred-dollar bills and raves that a loan is the “last-minute miracle I desperately needed.”

Like Lavish Finance, PersonalLoanPro asks people to enter sensitive information, including their social security numbers. He says he will then refer them to lenders who can offer them loans with interest rates of up to 35.99% APR on terms of up to 15 years.

“They basically say something like, ‘Nobody else knows, I wish I knew sooner’ — and they show you stacks of cash,” Breyault said. “It’s laughable at first glance, but it’s a common tactic.”

PersonalLoanPro’s site says it’s owned by a Durango, Colorado-based company called On The Barrelhead. Email inquiries sent to both PersonalLoanPro and On The Barrelhead went unanswered, while a call to an On The Barrelhead site phone number went straight to voicemail.

12 beautiful British nature reserves for a wild summer stay

Wicken Fen, Suffolk

Why go? Wicken Fen is the oldest National Trust nature reserve. Dried up in the 17th century, it was re-wild and is home to 9,000 species of plants, birds and mammals, including more than 150 threatened species.

Lie of the land Over the past 20 years, Wicken has more than doubled in size to 2,000 acres, recreating wetland and reed bed habitats. The Wicken Fen Vision, launched in 1999, is a 100-year plan to increase the area to 20 square miles for future generations.

Wildlife Highlights: Bittern, marsh harrier, great crested newt, little pipistrelle bat as well as butterflies (commas, guardians, meadow browns, green-veined whites), dragonflies and damselflies are all abundant. Since rewilding began, many species of birds have returned, including cranes, short-eared owls, and lapwings. nationaltrust.org.uk

How to explore: Visitors can walk, cycle or ride horseback along more than 30 miles of footpaths, cycle paths and bridleways. The Boardwalk and Wooded Boardwalk on Sedge Fen is accessible and suitable for strollers, mobility scooters and wheelchairs.

Where to stay: The Old Hall, Ely (01353 663275; theoldhallely.co.uk) from £171 B&B for a double room.

Derbyshire Dales, Peak District

Why go? South-west of Sheffield, in the center of the Peak District National Park, the reserve is made up of five valleys covering 385 hectares, 87% of which are listed as a Site of Special Scientific Interest (SSSI). Together they represent some of the best limestone scenery in England.

Lie of the land The main habitats of the reserve are limestone grasslands, woods, hay meadows, streams and dew ponds. The meadows are some of the most flower-rich in Britain with a single square meter containing up to 40 different species including Jacob’s Ladder, Cranesbill, Globe Flower and a variety of orchids.

Wildlife Highlights: Dippers, kingfishers and gray wagtails as well as other breeding birds including buzzards, crows, wheatears, redstarts, curlews and golden plovers. Water voles can be spotted along river banks and brown hares in open spaces. visit derbyshire.co.uk

How to explore: Lathkill Dale, one of the five valleys, is the easiest to negotiate on foot with the other valleys better for seasoned walkers. The Limestone Way and the Monsal Trail cross or are near the NNR. The nearest stations are at Buxton and Matlock.

Where to stay: The Oakhill near Matlock (01629 822211; oakhillcromford.co.uk) has rooms from £119.

Young local riders demonstrate their skills at the Caithness RDA Summer Show

Jo Sutherland, on Ollie, was unable to attend the show, so she received her Games trophy for Ride 3’s top rider the week before

Caithness Riding for the Disabled Association (RDA) recently held their annual summer show at the Indoor Riding Center in Halkirk.

Due to inclement weather, activities remained indoors that day, however, the band managed a few sessions outdoors at Maggie’s Way this term.

Judith Miller, President, welcomed everyone and welcomed Honorary President Morag Miller. Mrs. Miller presented a long service medal to Wren and his owner Marie Brinded.

Wren has been a former GDR stalwart for 10 years, helping many children along the way. After turning 30 last month, the popular pony has retired from the local band.

Barbara Manson, Regional Chair of Grampian and Highland RDA also recently presented long service awards to some of the volunteers.

A number of ponies were loaned to the band for the sessions – Cammie owned by Mel Thomson, Ollie, from Liz and Erin Hewitson, Whiskey and Byron from Steph Cowe, and Max and Geordie owned by Marion Bain at Achalone Activities.

The first round, with Leeann Hope as trainer, was made up of students from Wick High School – Jonathon Newlands on Whisky, Ben Douglas on Ollie, Aden Herrick on Max, Melissa Lee on Geordie and Laurie McPhee took care of the horses and ponies .

After showing off their skills to parents/guardians and guests, George Wilson and Jim Beattie of the Northern Sovereign Council presented trophies and rosettes to each of the Ride 1 participants.

Left to right: Barbara Manson, Regional Chair of Grampian and Highland RDA, presented long service awards to Gladys Gunn, Moira Stephen and Helen Harper for over 30 years of volunteering with Caithness RDA.  The photo is missing Jessie Allan and Nora Manson.
Left to right: Barbara Manson, Regional Chair of Grampian and Highland RDA, presented long service awards to Gladys Gunn, Moira Stephen and Helen Harper for over 30 years of volunteering with Caithness RDA. The photo is missing Jessie Allan and Nora Manson.

Students from Thurso High School made the second ride, with Mary Elder as coach. The runners were Jimmy Gunn on Ollie, Lucas Scott on Cammie, Summer Spink on Whiskey, Joseph White on Geordie and Kian Davidson on Max.

After showing off their skills, these runners received trophies from Kathleen Omand, Orkney, and rosettes from Abbie Leonard representing NFU Mutual Insurance, Dingwall and Thurso.

Kathleen’s mother, Evelyn Oakton, died in December 2021 and her funeral collection was donated to Caithness RDA. Evelyn was a founding member and a great volunteer for many years, and in her memory the Caithness Group purchased a new trophy – the Evelyn Oakton Memorial Shield – which was presented by her daughter.

Round three featured Kaleb Dyer on Max, Pebbles Sawyer on Geordie and Daisy Southall on Byron – with Steph Cowe as trainer. The participants all showed off their riding skills to everyone. Missing that day was Jo Sutherland who had received his award the previous week.

The trophies and rosettes were presented by Heather Rosie and her daughter Claire, who recently won Fundraiser of the Year at the Highland Heroes presentation in Inverness, on behalf of her mother.

Caithness RDA is extremely grateful to Heather and her family, the Dale Rosie Memorial Fund for all of their fundraising efforts over the years, and to everyone who has kindly donated in the past.

Thanks were also extended to Nettie Gunn for lending a BBQ and setting up each week, Keith Dreaves and Alan Hewitson for hosting the BBQ, and Isobel Cameron keeping everyone watered and fed each week.

Results

Race 1 – Reid Trophy for effort: Laurie McPhee. Christmas Riding Prize for Effort: Jonathon Newlands. Halkirk Young Farmers Christmas Trophy for Most Improved: Aden Herrick. Karen Rollinson Memorial Trophy for Best Rider: Melissa Lee. Wick High School Charities Day Cup 2013 for Progress: Ben Douglas.

Ride 2 – Riding Prize for Most Improved: Joseph White. Dr. Pam McMorran Memorial

Shield (Summer Show) for director: Jimmy Gunn. Amanda MacDonald Memorial Shield for Best Rider: Lucas Scott. John Gunn and Sons Perpetual Trophy for Effort: Summer Spink. Evelyn Oakton Memorial Shield for her Kian Davidson commitment.

Ride 3 – Dr. Pam McMorran Memorial Shield (Summer Show) for the bravest rider: Pebbles Sawyer. Simpson Cup Most Improved Rider: Caleb Dyer. Cup in memory of Callum Robert Miller for the happiest rider: Daisy Southall. Games trophy for best rider: Jo Sutherland


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How online repayable loans can be beneficial

Reading time: 2 minutes

With the slow but steady suppression of the coronavirus, Canadian government support programs such as the Canadian Emergency Response Benefit (CERB) have also declined, leaving most low- and moderate-income Canadians economically vulnerable. economic. Online repayable loan facilities, such as My salary in Canadaoffer a quick fix for rent or bills that might pile up in the form of loans with immediate repayment.

What are online repayable loans?

Online repayable loans are short-term, low risk loans which are electronically transferred to the borrower with reduced requirements. Approved online payday lenders offer high-interest online loans of up to $1,500 that will transfer within five minutes if you’ve been approved. This concept is designed to provide money easily and quickly to those who need it, despite any history of bad credit or no credit. It is especially useful for young people who have no financial or credit history and are looking for alternatives. Compared to bank applications, online repayable loans avoid the hassle of an in-person visit and a week-long process requiring multiple supporting documents.

Register

The payday loan application process is quite simple and should only take a few minutes. The first step is to fill in all the relevant information required including your name, date of birth and the amount you want to borrow. The response to your application is quick. If approved, a contract is sent to you. As soon as you digitally sign the contract, the funds are transferred via Interac e-Transfer in less than five minutes.

Are they worth it?

Payday loans are considered low-risk, short-term loans (generally 62 days or less), especially when viewed through a cost-benefit analysis. Although the interest charged can be high, it eliminates the discount of middlemen that many companies hire, charging an additional 10-15% for their services. Their high cost of borrowing is justified by the risk of the business in granting fast and unrestricted loans.

The interest rate could go up to 548% per annum, so their feasibility is subjective to the individual applying for them. Online salary calculators that calculate and track your interest payments can help you gauge the rate and number of payments you will need to make. Direct contact with the lender makes this process more reliable as it is a well regulated industry. This ensures privacy as they are not legally allowed to share your financial information without consent, even for marketing purposes.

Endnote

The crux of the matter is that if you are looking for fast cash loans in Canada, payday loans are the way to go. Marketed to young people or people with bad credit, they can provide you with instant cash to solve any problem you may find yourself in. Whether it’s a late rent payment, utility bills, or even if you need cash for groceries, payday loans can serve you well. The availability of these loans online has finally made the borrowing process infinitely simpler, faster and more accessible to people from all types of backgrounds.

Authors biography :

Habib-Ur-Rehman is a well-known writer for technology, Companyfood and multi-topic writers with up-to-date information for the public, believe in writing research-based content with an exceptional writing style.

State House District 51 candidates say door-to-door campaigns gave them insight into voter priorities – Chicago Tribune

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Democratic primary voters in southwestern Lake County have a choice of two candidates for their party’s nomination for the Illinois House of Representatives who have one thing in common: They say they’re willing to work hard to get the job.

Chelsea Laliberte Barnes from Palatine and Nabeela Syed from Inverness have traveled the district since deciding to run for a General Assembly seat knocking on more than 10,000 doors each. They say they learned a lot and met many potential voters.

Syed and Barnes are running for the Democratic nomination in the 51st district in Tuesday’s primary for the chance to oppose incumbent Chris Bos, R-Lake Zurich, in the Nov. 8 general election. . Bos is unopposed for the Republican nomination.

Both candidates learned from potential voters that the economy was at the top of people’s minds during the campaign. While there are other issues — like gun violence and health care — inflation, jobs, and taxes have always topped the list.

“It’s not just taxes, but the cost of goods and services,” Barnes said. “We need to increase our revenue by attracting new businesses like technology, wind and solar.”

“People are concerned about the property tax system,” Syed said. “Large commercial sites should pay their fair share of (real estate) taxes.”

Hard work is part of Syed and Barnes’ inner makeup, though they say they developed their intensity by motivating them to run for state legislature because they were passionate about different issues.

Barnes, 37, and a social worker who grew up in the southwest part of Lake County, is an advocate laws and programs to help drug addicts. She founded Live4Lali to help people who suffer from drug addiction and their families, after the death of her brother, Alex Laliberte, from an overdose at age 20.

Working with former U.S. Rep. Robert Dold, R-Kenilworth, to pass legislation known as Lali’s Law to provide resources for people with addictions, and Lake County Judge Mike Nerheim when he was Lake County State’s Attorney, to establish the Lake County Opioid Initiative, Barnes said she knew how to work across the aisle.

“When you’re a nonprofit, you look at who’s in power,” Barnes said. “Drug addiction is not a partisan issue. It is a human question. You should try to work with those who can help you. It will help me to work across party lines.

Syed, 23 and a graduate of the University of California at Berkeley, is passionate about the right to vote and making it easier, not harder, for people to get to the polls. She works for a nonprofit that is building a digital strategy for this issue, as well as gender equity and sexual assault.

While Syed said she doesn’t see efforts in Illinois to make voting harder rather than easier, it’s an issue that needs to end elsewhere because it’s such an essential part of democracy. that she wants to protect.

“Issues at the federal level spill over to the states, like voting rights and senseless gun violence,” Syed said. “We need to keep our community and our democracy safe. Our state must be a leader. With my experience, I can bring a new vision to the Statehouse.

Born the same year 12 students and a teacher were killed by two teenage gunmen at Columbine High School in Colorado, Syed said she didn’t know a world where active fire drills weren’t part of a routine. school.

“A policeman was shaking the lock to see if anyone opened the door,” Syed said. “He was playing the role of a shooter. It shouldn’t be part of a kid’s school day.

Barnes said she looked at the world through the lens of a mother of a 3-year-old as she shaped her worldview. She thinks about the things that trouble her and doesn’t want them to be problems for her child.

“I worry if he will have a government to work hard for him or what kind of government he might have,” Barnes said. “I’m afraid he has no planet to live on.”

The district includes parts of Barrington, Hawthorn Woods, Lake Zurich, Long Grove, Killdeer, Deer Park and Vernon Hills, as well as most of Palatine, Inverness and some areas of Hoffman.

Leon King ready for Rangers chance as defender starts pre-season early with friend Josh McPake

Leon King has stepped up his pre-season training ahead of Rangers’ return by doing double gym sessions alongside team-mate Josh McPake.

The defender managed to break into the Ibrox first team last season with appearances against Dundee United and Hearts respectively. He has featured six times and hopes to add to that tally this term when Premiership action returns. soccer scotland understands Gers have been impressed with the 18-year-old’s signing this summer and he should have a bigger role to play with the team this coming season.

While other players remain on vacation, King and McPake – who are attracting a host of clubs wanting them on loan – have both worked more at their gymnasium in Hillington. This dedication has not gone unnoticed, with both stars hoping to be involved in pre-season and beyond.

We recently told you exclusively how King dumped a staggering salary package at Manchester United and Newcastle in order to stay in Glasgow and fight for a place at his boyhood club and now his efforts have gone the extra mile again. with his gym working out.

McPake, meanwhile, also worked with personal trainers to get in shape for the new year and did double sessions on his own before being joined by King.

The attacking midfielder is wanted by various clubs on loan but we understand he will stay with the Light Blues to allow Gio van Bronckhorst to get a fresh look.

Hapoel Beersheba are very interested while Inverness and Queen of the South closer to home would like to loan him out for the season.

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Park maps, Inverness Townhouse accessibility and Loch Ness review by the travel writer

Highland Council plans to remove a local playground in favor of a road. Photo: Callum Mackay.

Readers share their views on a variety of important topics.

Make your voice heard on the park plan

There is a plan underway to decimate the green space known as Drakies Park.

This plan would construct an access road from the proposed accommodation in the field behind the police station to the Eagle Roundabout on Sir Walter Scott Drive.

Safe green spaces close to home would be lost and air and noise pollution would increase.

This green space is MOST IMPORTANT for the health and well-being of the current population and our future generations.

Readers, please contact the Planning Department to reject this plan.

Anne Johnson

Gordon Adam outside Inverness Town House.  Photo: James Mackenzie
Gordon Adam outside Inverness Town House. Photo: James Mackenzie

The townhouse is a vital concert hall for the city

I agree with Paul Wilson that growing audiences since Covid has been a challenge (Letters, 6/10/22), but MusicInverness has operated successfully for over 25 years so far thanks to subsidies.

I dispute his assertion that there are many alternative venues in Inverness for small-scale musical creation.

Artists and audiences alike agree that the acoustics of the townhouse are very special, and that’s why world-class artists want to visit Inverness and play here.

The old high church would make a good place in the future, but its future is uncertain as it is for sale.

So losing the townhouse as a venue would be a blow to Highland music lovers.

Gordon Adam

President

MusicInverness

<a class=Business leader Willie Cameron was unimpressed with an American writer’s views on travel.” data-root=”/_media/img/” data-path=”TF9UHKY5JHG6DS818KTR.jpg” data-ar=”1.50″/>
Business leader Willie Cameron was unimpressed with an American writer’s views on travel.

The writer criticized the loch comments

Tourism leaders have hit back after an American journalist criticized Loch Ness and claimed Nessie didn’t exist. Cameron Hewitt shared his thoughts via Facebook, describing the loch as “the most boring and hyped up lake I have ever seen”.

“Cameron has to go back where he came from. He can’t see the beauty of Scotland through our eyes and Loch Ness in particular. Most lakes in the United States (except the big ones) have houses built all around, completely spoiling the natural beauty of the area. If that isn’t boring, what is? Leave Loch Ness alone! –Catherine Steinman, Syracuse

You can send letters to [email protected] Please include your address and a daytime phone number. You can also tweet us: @InvCourier or leave a comment on Facebook: @invernesscourier


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Country Club Hills man arrested in Oak Forest home invasion, and more – Chicago Tribune

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The following is taken from police reports and press releases. An arrest does not constitute a finding of guilt.

WARRANT OF ARREST: Ronald Knedik, 40, of the 7500 block of Inverness Lane, Frankfort, was processed on an outstanding Will County warrant on May 31 in the 20600 block of Lincoln Way Lane, police said.

SUSPENDED LICENCE: Dominic Chiarelli, 27, of the 12000 block of Longmeadow Lane, Homer Glen, was arrested and charged with driving with a suspended license on June 2 in the 200 block of West Colorado Avenue, police said.

ARREST WARRANT: Ileana Garza, 32, of Highland, Ind., was arrested on an outstanding warrant in the state on June 2 at LaGrange Road and Francis Road, police said.

SUSPENDED LICENSE: Kenard Ford, 35, of Aurora, was arrested and charged with driving with a suspended license on June 2 in the 9500 block of West US 30, police said.

SUSPENDED LICENSE: James McGahan, 35, of the 18200 block of Hidden Valley, Orland Park, was arrested and charged with driving with a suspended license on June 3 in the 20600 block of LaGrange Road, police said.

SUSPENDED LICENCE: Yukon Townsend, 25, of the 300 block of West 35th Street, Steger, was arrested and charged with driving with a suspended license on June 4 at LaGrange Road and Market Street, police said.

DUI ARREST: Juan Contreras, 37, of the 15000 block of Perry Avenue, South Holland, was arrested and charged with drunk driving on June 11 at US 30 and Vine Street, police said.

DUI ARREST: Sofia Soto Perez, 23, of the 14300 block of Beacon Avenue, Orland Park, was arrested and charged with drunk driving on June 12 in the 200 block of US 30, police said.

SUSPENDED LICENCE: Jimmie Brown, 31, of the 14400 block of Union Avenue, Harvey, was arrested and charged with driving with a suspended license on June 14 in the 1800 block of US 30, police said.

REVOCATED LICENSE: Dustin Johnson, 39, of Kankakee, was arrested and charged with driving with a revoked license on June 16 at Cedar Road and Aspen Drive, police said.

HOME INVASION: Affice Jackson, 52, of the 4300 block of 181st Street, Country Club Hills, was arrested and charged with home invasion after forcibly entering an apartment in the 15700 block of Terrace Drive, beating a man with a baseball bat and then threatened him with a gun in an incident on June 15 shortly before 4 a.m., police said.

SUSPENDED LICENSE: Rhakeen James, 27, of the 5000 block of West 159th Street, Oak Forest, was arrested and charged with driving with a suspended license, without insurance, without a front number plate and not wearing a seatbelt on June 18 in the 5,200 block of West 159th Street, police said.

SUSPENDED LICENCE: Jacob Tholl, 33, of the 5800 block of Colina Avenue, Oak Forest, was arrested and charged with driving with a suspended license and disobeying a stop sign on June 18 in the 15500 block of Arroyo Drive, police said.

DUI ARREST: Joseph Daly, 31, of the 12800 block of Hill Drive, Crestwood, was arrested and charged with drunk driving on June 16 in the 6400 block of West 127th Street, police said.

DUI ARREST: Labaron Scott, 47, of the 13100 block of Foxtail Lane, Lemont, was arrested and charged with drunk driving on June 17 in the 7900 block of West 135th Street, police said.

IDENTITY THEFT: Jasmine Powell, 33, of the 17300 block of Lowell Avenue, Hazelcrest, was arrested and charged with identity theft after being arrested by Indiana State Police on June 17 after police said they stole a woman’s wallet from Franklin’s Public House on March 27. said the police.

DUI ARREST: David Piersen, 49, of the 400 block of East 193rd Street, Chicago, was arrested and charged with drunk driving on June 18 in the 11,800 block of South Harlem Avenue, police said.

RETAIL THEFT: Amanda O’Neill, 38, address unknown, was arrested and charged with retail theft after stealing nearly $500 worth of merchandise from Jewel Foods, 17117 S. Harlem Ave., on May 23, reports the police. Edward Repass, 42, address unknown, was arrested and charged with driving without a valid license and obstructing identification in connection with the incident. David Galkowski, 34, address unknown, was also arrested and charged with obstructing identification, police said.

WEAPONS ARREST: Deandrae Rogers Jr. 18, address unknown, was arrested and charged with aggravated unlawful use of a weapon after police discovered a handgun in her car while questioning her about the Woodspring Suites parking lot, 18636 West Creek Drive, on May 24, police said.

FELONY THEFT: Markas Bowden, 45, address unknown, was arrested and charged with retail theft after stealing more than $600 worth of merchandise from Kohl’s, 7500 W. 191st St., on May 25, police said.

DUI ARREST: Ashley Anil, 24, address unknown, was arrested and charged with drunk driving, improper use of lanes and lack of insurance on May 27 in the 17200 block of Harlem Avenue, a announced the police.

DUI ARREST: Rodney Riddle, 70, address unknown, was arrested and charged with drunk driving on May 28 after a crash in the 8000 block of 183rd Street, police said.

MURDER: Calvin Johnson, 40, 17500 block of Winston Drive, Country Club Hills, was arrested and charged with first degree murder on May 31 in the 18700 block of Chestnut Avenue, police said.

DISORDERED CONDUCT: Antoinette L. Marshall, 35, 700 Block 156th Place, South Holland, was arrested and charged with disorderly conduct in an incident May 29 at BR Bar & Steakhouse, 18601 Cicero Ave, a announced the police.

RESISTING ARREST: Brianna M. Nelson, 30, 4400 block of Provincetown Drive, Country Club Hills, was arrested and charged with resisting a peace officer and domestic assault on May 30 in that block , police said.

DISORDEROUS CONDUCT: Angelique Glover, 25, Aurora, was arrested and charged with disorderly conduct on June 4 at Aces Cafe, 4838 183rd St.

SUSPENDED LICENSE: Calvin Hayes, 35, Chicago, was arrested and charged with driving with a suspended license and speeding on June 11 in the 4100 block of 183rd Street, police said.

DRIVING WITH A SUSPENDED LICENSE: Retronda Fleming, 21, 17200 block of Langley Avenue, South Holland, was arrested and charged with driving with a suspended license and speeding on June 12 at 171st Place and the Pulaski Avenue, police said.

OBSTRUCTION OF IDENTIFICATION: Desmond Stewart, 33, Aurora, was arrested and charged with obstructing identification during an investigation into a retail theft on June 3 at Wal-Mart Supercenter, 17550 Halsted St., after providing a pseudonym, police said.

RETAIL THEFT: Daniel Wilson, 61, 700 block of Evans Court, Dolton, was arrested and charged with retail theft on June 3 at The Home Depot, 17845 Halsted St., after stealing merchandise that sold for $567, announced the police.

ATTEMPTED THEFT: Perry Patterson, 19, 1300 block of 183rd Street, Homewood, and Danell Willis, 20, 2200 block of Heather Road, Homewood, were arrested and charged with attempted robbery on June 4 in the 1300 block of 183rd street after chasing an acquaintance and then demanding he give them money, police said.

SUSPENDED LICENSE: Godfrey Brown, 30, 1800 block of 182nd Place, Homewood, was arrested and charged with driving with a suspended license, driving without insurance and expiring his registration on June 5 in the 1800 block of the 182nd Place, police said.

SUSPENDED LICENCE: Trevon Kellogg, 20, 2700 block of Oxford Drive, Markham, was arrested and charged with driving with a suspended licence, expiring his registration and breaking the seat belt law on June 5 in the 17900 block of Governors Highway, police said.

SUSPENDED LICENCE: John Lee, 19, 900 block of Maple Road, Flossmoor, was arrested and charged with driving with a suspended licence, driving without insurance and disobeying a traffic control device on June 6 in the block 18300 Harwood Avenue, police said.

SUSPENDED LICENSE: Thomas Youngren, 28, 7900 block of Carrie Court, Frankfort, was arrested and charged with driving with a suspended license and speeding on June 6 in the 18200 block of Governors Highway, police said.

SUSPENDED LICENCE: Crystal Purnell, 40, Chicago, was arrested and charged with driving with a suspended license, driving without insurance and without valid registration, police said.

GUN ARREST: Delton Bates, 25, Chicago, was taken into custody on a warrant for aggravated unlawful use of a weapon by a felon and aggravated unlawful use of a weapon on June 12 at 183rd Street and Center Avenue in connection with the discovery of a firearm in the vehicle he abandoned during a traffic stop Nov. 17, police said.

SUSPENDED LICENCE: Andre D. Funches, 32, Chicago, was arrested and charged with driving with a suspended license, driving without insurance and improper use of an electronic device while driving June 1 in Keating and Southwest Highway, police said.

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SUSPENDED LICENSE: Dechez L. Booker, 29, Chicago, was arrested and charged with driving with a suspended license, driving without insurance, suspended registration, expired registration and improperly transporting adult-use marijuana in a motor vehicle on June 2 in the 4300 block of Hometown Southwest Highway, police said.

SUSPENDED LICENCE: Adrianne V. Crawl, 57, Chicago, was arrested and charged with driving with a suspended license and suspended registration June 2 at 103rd Street and Washington Avenue, police said.

THEFT: A catalytic converter was reported stolen on June 2 from a vehicle parked in the parking lot of Planet Fitness, 9503 Cicero Ave.

THEFT: Eric M. Cur, 47, Lockport, NY, was arrested and charged with theft on June 10 at 7-Eleven, 4501 95th St., after going behind the counter, pushing and punching the clerk, then having stole three packs of cigarettes and a bottle containing CBD candy, police said.

THEFT: Jacob I. Funches, 40, undisclosed block of Rocket Circle, Park Forest, was arrested and charged with theft on June 10 at LongHorn Steakhouse, 9530 Pulaski Road, after refusing to pay his $26 bill and having also received an undisclosed court warrant. , police said.

DISORDERED CONDUCT: Terry J. Sanders, 31, undisclosed block of Emerald Avenue, Riverdale, was arrested and charged with disorderly conduct and trespassing on June 10 and also received a warrant from Bedford Park for failing to appear in court on an undisclosed charge after he threatened First Midwest Bank employees and refused to leave the branch at 4060 95th St., police said.

DISORDEROUS CONDUCT: Michael I. Gholar, 31, Chicago, was arrested and charged with disorderly conduct and trespassing on June 11 in the parking lot of Advocate Christ Medical Center after refusing to leave while continuing to yell curses at employees , police said.

Group aims to stop ‘predatory’ payday loans in Michigan


(WXYZ) – As inflation puts pressure on families, others could turn to payday loans for help. But some say the law allows predatory payday lending in Michigan and it needs to change.

The nonpartisan Michiganders for Fair Lending said it submitted more than 400,000 signatures to put payday loan regulations on the ballot in November.

WXYZ charts for depth

WXYZ charts for depth

It was a pothole that caused a big financial bump down the road in Amber Wyatt’s life. His car needed repairs.

“I thought it was something simple, so I took it to the mechanic. I found out it was something big. $715 big,” Wyatt said. “I couldn’t afford to pay. So I had to borrow money to get my car and go to work.”

She took out a salary advance in November.

“I got the money like this. The problem is you borrow $600, you have to pay back $677,” Wyatt said.

She then found herself having to replenish and renew that payday loan, each time getting significant new fees. And life went on. She went on maternity leave to have her beautiful baby 4 months ago.

“We’re all trying to survive and keep lights and shelter and food on our kids’ tables,” she said.

Centerforresponsiblelending1.png

responsible credit center

Depth charts

Chart: Responsible Credit Center

There are currently laws in Michigan limiting the fees charged on payday loans, but many don’t realize how high the interest rates they pay are.

According to the Michigan Department of Financial and Insurance Services, if you borrow $100 for 2 weeks, the maximum charge allowed is $15. That might not seem like a lot, $15, if you’re in trouble. But if you break it down into interest, $15/14 equals $1.071429 per day. For a loan of $100, you convert it to an annual percentage rate by multiplying it by the number of days in the year. That’s 391% interest per year MAX for a $100 Michigan loan.

Source: Michigan Attorney General’s Department

Now there is a movement to lower this rate with a new law.

“There are more payday loan stores than McDonald’s,” Josh Hovey said.

Hovey is the spokesperson for the Michiganders for Fair Lending campaign.

hoveyfinal.jpg

WXYZ charts for depth

WXYZ charts for depth

He points to a Center for Responsible Lending report that found here in Michigan, people spend more than $100 million a year on payday loan fees every year.

The Center says Michigan has what it calls a payday loan debt trap with average payday loans announced in 2021 around 370% per year.

“It’s fair to charge someone interest for a loan, but we don’t think 370% should be the number,” Hovey said.

Michiganders for Fair Lending has turned over more than 400,000 signatures that the state is currently reviewing. If approved, his petition would allow voters to decide whether to cap interest charged by payday lenders at 36% per year.

“It’s not an unreasonable thing to ask not to attack people,” he said.

When asked if it would put people out of business, Hovey replied, “No, I think any business should be able to make money on 36% interest.”

Advance America Statement

Moving America Forward

Advance America FAQs

7 Action News has contacted Check N Go and Advance America for their response to such a proposal, but has not yet received a response. However Advance America website says his fees are sometimes lower than the costs people face if they can’t accept a payday loan. He also says a 36% interest rate cap would not cover the cost of running their business and would be an effective ban on cash advances.

Wyatt has mixed feelings. The payday loan got her out of trouble, though she admits it got her into trouble again.

“When you have an emergency and you need money now, you don’t have much choice,” she said.

Unaccompanied children from Ukraine could be allowed to enter the UK, report says

According to the report, unaccompanied Ukrainian children could be allowed to enter the UK (Danny Lawson/PA)

Unaccompanied children and teenagers from Ukraine could be allowed to come to the UK under changes expected to be announced on Wednesday, it has been learned.

Home Secretary Priti Patel will announce that children and teenagers will be allowed to come to the UK if they have permission from a parent or legal guardian and the Ukrainian government, reports the Daily Telegraph.

Current Home Office guidelines state that under-18s can only come to the UK through the Homes for Ukraine scheme if they are traveling with their parent or legal guardian, or if they are reunited with them here.

We keep eligibility for all our programs under review

Government statement

It is understood the UK government is exploring whether the Homes for Ukraine scheme could be safely opened to more children, amid the ongoing Russian invasion of Ukraine.

Neither the Home Office nor the Department for Leveling Up, Housing and Communities confirmed the newspaper’s report when approached on Monday evening.

Instead, the two provided the same statement, which read, “It is tragic that children have been caught up in Putin’s war.

“We have a responsibility to keep children safe and, as the public rightly expects, we have robust processes in place to protect them once they arrive in the country, working closely collaboration with councils everywhere.

“Only those under 18 who are traveling or reuniting with a parent or legal guardian in the UK are currently eligible for Homes for Ukraine, but as we have always said, we are continuing to review eligibility for all of our programs. “

It comes after Ms Patel told the House of Commons on Monday that changes could be made to the Homes for Ukraine scheme to help children trying to reach the UK with family members who are not their parents.

Labor MP Dame Diana Johnson, chair of the Home Affairs Select Committee, asked about extending visa eligibility under the scheme to children traveling with grandparents and older siblings .

Ms Patel replied: ‘We are absolutely looking at that, and there is a lot of work going on not only in the Home Office but with the Minister for Refugees and also the Department of Local Communities on the safeguard aspect.

“We will make changes.”

Callum Davidson wants more pre-season signings in Spain





Callum Davidson wants more pre-season signings in Spain



































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I had hoped that there might be some dilution of the Inverness hegemony that has gone on for too long. now i have doubts

The Way I See It by Jim McGillivray

To the winner belongs the spoils.

After years as the main opposition group to the Highland Council, SNP councilors are now the dominant people in the administration hierarchy.

Last Thursday’s board meeting was when the goodies were distributed and the key faces for the coming years were elected.

Jim McGillivray.

With the new head of administration hailing from Wick and the organizer from Badenoch, I was hopeful that there might be some dilution of Inverness’s long-standing hegemony. I now have doubts.

In recent years, as a token observance of the localism agenda, those elected to chair regional committees such as the Sutherland County Committee have been awarded a small pay rise in recognition of the office extra work involved.

This was removed in one fell swoop last Thursday and the money (a hefty sum of nearly £6,000) was aggregated and allocated to the salary of the chairman of the Inverness town committee.

To adapt the words of George Orwell, all regional committees are equal, but one regional committee is more equal than all the others put together.

The money at stake is minor, but there is a clear principle at stake, and I seconded my fellow East Sutherland and Edderton Ward Councilor Richard Gale’s amendment to have this reviewed.

However, the administration closed ranks and the amendment was defeated by a vote of 34 to 30.

So much for localism in this new council.

A few more figures that will affect us all: the council’s average external debt for the last financial year was £943m with associated borrowing costs of £58.2m.

The annual General Capital Grant which comes from the Scottish Government is £23.444 million, roughly the equivalent of two primary schools.

With Skye’s President and Vice President for Education, you can guess where the next batch of new primary schools will be.

The approximate cost of a new secondary school is not much less than £60million by the time the snags are sorted.

With the Chairman of Corporate Resources based in Tain, I suspect the campaign for a replacement for Tain Royal Academy will now gain new momentum.

This needs to be seen in the context of the £1.75bn capital outlay over 15 years proposed by the last Indie-Lib-Dem-Lab administration.

The question must be asked, are these costly local ambitions affordable by a municipality that has maximized its credit?

Inflation approaches 10% per year. Interest rates are rising; there is a cost of living crisis and there will be major public sector wage demands to settle over the next few months.

The economic winter has begun, and the seasonal winter will soon follow.

Finally, I was very honored to be elected again as one of three Ward Councilors for East Sutherland and Edderton.

I will do my best to live up to the trust placed in me. And be patient with newly elected councilors. This is an almost vertical learning curve.

Jim McGillvray, who lives in Embo, was re-elected in the Highland Council elections on May 5 for another term as ward councilor for East Sutherland and Edderton.


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Hotel plan for Inverness music site recommended for approval

Artist’s impression of the new hotel planned for the Forges site.

Readers are reacting to the news that council planners are recommending that a bid to create a new hotel on the site of the Ironworks site be approved.

Highland planners have therefore recommended for approval to demolish the iconic Ironworks concert hall and, in its place, build a seven-storey, 155-bedroom hotel.

Councilors of the South Planning Committee, you have the power to stop this incredulous development from happening.

Why is Ironworks so important to the Highland economy? Is it because so many people travel from all over the country to attend concerts, book hotels, eat out, have a drink, etc.? ? A well-known local economist says the loss of the steel plant clearly outweighs the benefits of another new hotel.

The Ironworks has seen some wonderful artists over the years – great bands, top-notch DJs and always encouraging local talent. It was only recently that a local DJ who got his start at Ironworks got his music played on Radio 1.

Events like boxing, wrestling, bingo, variety shows, etc. all take place at Ironworks, the talent is so rich and varied that it would be a sacrilege to lose it.

The main objective of Highland Council’s Moray Firth Development Plan is ‘town center first’ and any new development must not detract from the vitality of the town centre.

Well, if tearing down the main concert hall in the Highlands and replacing it with a seven-storey hotel doesn’t hurt the vitality of the town centre, I don’t know what is.

Councillors, ask your constituents what they would prefer – another new hotel or the Ironworks to stay put.

In my opinion the Ironworks is indeed iconic, known far and wide for its year-round quality entertainment, so Councillors, do the right thing for Inverness – tell Bricks Group Developments that the Ironworks rest.

Douglas Lyall

Eilean Donan Road

Inverness

“If this is approved, it will confirm that Inverness is a city playing at being a city! We will be a venueless city capable of hosting decent sized music events! If the planners had any ideas for improving “the city”, they would encourage places that attract tourists, not turn our main downtown locations into hotels! Soon there will be nothing left to do in the center of Inverness and once tourists have ‘seen the monster’ they won’t be coming back! We will end up with a center of tired hotels and people saying Inverness is boring because there is nothing to do! So how much money will this redirect to Glasgow and Edinburgh as we will all have to travel there to see decent bands? Instead, make Inverness a city where people want to come to be entertained and enjoy all we have to give! There are hundreds of areas to locate hotels! This is pure madness! We are becoming a town where there is nothing to do for those not interested in spotting red deer! HMO Hotels and Accommodation – Magical Inverness! – Steve Raeburn

“I really hope the right decision is made. Save the ironworks site. We don’t need another hotel, we need a concert hall in the town centre. Highland Council is doing what it takes for the Highlands.– Linda Anne Wilson

“Linda Anne Wilson I agree with most of that (the Ironworks definitely needs to stay, in a way). No way tearing down Ironworks for a hotel! Lots of other sites could be found, I’m sure. I’m sure. But Inverness badly needs more hotel rooms – it’s almost impossible to get a room during the summer let alone a reasonably priced room. Tourism is arguably the biggest industry in the Highlands and the lack of accommodation is a big problem.I noticed a lot of tourists this year (seems to be Americans/Canadians just now) The local economy needs tourism and it has been badly battered Overpriced and scarce housing has been a drag on that lately. Andy McIvor

“I understand that we need tourists to boost our local economy, but with the incredible number of homes being built in Inverness and the surrounding area, shouldn’t Highland Council be doing more for the locals? A bigger concert hall is definitely needed. Also while I’m at it…more schools and another hospital. – Monica Douglas Cormack

Letters should be sent to [email protected] Please include your address and a daytime telephone number. You can also tweet us: @InvCourier or leave us a message on Facebook: @invernesscourier

Related article: Plan to turn the Ironworks into a recommended hotel for approval


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Craig Campbell happy to add Ruardhri Nicol to Brora squad





Craig Campbell happy to add Ruardhri Nicol to Brora squad



































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Catriona Matthew explains the captaincy strategy she used to win back-to-back Solheim Cups | Golf News and Tour Information

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Catriona Matthew won’t admit it, but she knew exactly what she was doing when she stepped into the role of European team captain for the 2019 and 2021 Solheim Cups. The Scottish professional has played in nine Solheim Cups over the past of his career, under six different captains. With that kind of experience, it’s no surprise that Matthew became the first European to claim back-to-back Solheim Cup victories, after his side won on American soil at Inverness Club in Ohio. With the 2013 Cup at the Colorado Golf Club, it was only the second time in the history of the event that the Europeans emerged victorious on the opposing turf.

“I think having played in so many games has helped me,” Matthew said. “I entered the teams in different ways. I played my way, I got picked, so I knew all the scenarios it took to get into the team. So I think that helped players who were in all these different types of positions.

In the second episode of Henni & Hally: women with gambling, a recently relaunched podcast that focuses on women’s golf, Matthew breaks down her successful career as a professional, winning a major shortly after giving birth, and her historic Solheim Cup achievements. Humble doesn’t even begin to describe how Matthew views her position as captain, but maybe that’s what made her such a strong leader.

“My main focus was communication, getting to know the players,” Matthew said. “I haven’t changed who I was. I really tried to be myself. I didn’t sit there thinking about what kind of leader I would be or what kind of captain I would try to be. I just tried to be myself.

Matthew’s chat with hosts Henni Koyack and Hally Leadbetter is just the start of a series of female guests who will join the podcast to discuss their unique roles in the golf industry. Leadbetter and Koyack aim to tell the stories of women in the game of golf, beyond the talented players we watch on tour. Expect female rules officials, college coaches, tournament managers, amateurs, caddies and more to join the second season of the podcast soon.

Father’s Day, worthy of every coloradan

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Father’s Day is this weekend – and if you’re like many locals who can’t wait to step outside the confines of indoor living lately – there’s just something special about this year’s holiday.

If you honor the special pops in your life, maybe any son, friend or significant other, or if you’re just someone who wants to enjoy a really good beer, bacon, farm food or barbecue. promotions – then this is for all of you.

Below are 12 top picks for Father’s Day specials, starting today and this weekend in June, and continuing through July and the summer. The choices will take you from jazzy supper clubs in Denver to outdoor adventures across the Front Range. And just for fun, event categories are curated to suit every dad family personality: from “Sportsmen” and “Dinner Conversationalists” to “Adventurers” – starting with a special “Editor’s Pick” here. -below.

So, cheers – to the adventures ahead, to the great food and libations, and to the new memories:


Editor’s Choice

Growing up, my dad would pack me in the old GMC truck—after methodically packing coolers full of snacks and camping gear with cast-iron skillets for bacon-greased eggs for the morning—and then down 285 to Buena Vista for river rafting on the Arkansas River.

Arguably one of the best places for rafting, with peak flows especially in June, the Arkansas River Outfitters Association is a great place to start arranging guided tours, including from fly fishing to kayaking.

After wading the river all weekend, my dad and I would ritually stop at historic K’s Dairy Delite (or in my childhood memory, an A&W Root Beer stand), and feast on Root Beer floats. and we sit in the nearby park before heading back to town.

So it reminds Slater’s Denver 50/50. An upscale burger bar in RiNo that offers burgers, bacon and beer specials all month – including a special Orange Cream Milkshake – Vanilla Ice Cream Sorbet Milkshake orange topped with orange slices, whipped cream and an orange cream popsicle. (My dad would love that.)

Slater’s Denver 50/50 | Orange Cream Milkshake (courtesy: Slater’s 50/50)

“The sporty one”

Without a doubt, dads and all diehard Colorado sports fans have been preparing excitedly all week with the Avs in the Finals. These starting points are just a few blocks from Ball Arena, ready for your visit, whether before, during or after the game.

Head toward RheinHaus to Larimer Square to watch the game on giant screens and eat pretzels, Breck Brews and shots of whiskey for $5, and more. At the street corner, Jovanina’s Broken Italian hits the spot with homemade meatballs and other Italian authentics, including wine steals for $24+. On Blake, Fuel and iron bar is a new Pueblo-inspired hot spot offering $2 drinks and $3-$8 snacks, during happy hour from 3-6 p.m. (think, before the game).

Denver, ,May,1,,2014:,pepsi,center,on,May,1,

Ball arena | denver

“The master brewer »

RheinHaus, above, isn’t just for game day. This is a top spot for the beer lover in the family. Now, with nearly 200 breweries across Colorado and growing steadily, there’s no need to tell you that there are plenty of craft beer options out there. But on June 22, Rhein Haus will offer promotions planned for “National Radler Day.” Radler beer is usually when lager meets lemon or grapefruit, and on the 22nd all day you’ll find happy hour prices on Stiegl-Radler Grapefruit: $5 pints and $10 pints.

Courtesy of Rhein Haus

Stiegl-Radler Grapefruit Beer | Rhein Haus (courtesy: Rhein Haus)

“The Pit Master”

RiNo’s The red barber hosts a rooftop “Dad’s Day Off” with all-day happy hour and on-site grilling, including bratwurst and beer tasting specialties for $15. Order tickets, here.

In another take on barbecue, cruise just an hour from Denver to frisco – which is known to be called the “main street of the Rockies”. The bustling city will host a BBQ Challenge Thursday and Friday, including one 6k Bacon Burner, with free concerts and lots of bacon and tail. Stick around all weekend to enjoy the “beach” aquatic and mountain life at Lake Dillon.

Alpenglow,striking,the,peaks,of,the,grays,and,the,torreys,beyond,of,the,

Frisco Bay Marina, Colorado

“The Early Riser”

Brunches aren’t just for ladies, dads also enjoy a hearty breakfast, especially early risers ready to go, just after the morning paper. flat to Restaurant Snooze for plates like Habanero Pork Belly Benedicts and Bacon Flights with Bloody Marys and more, at locations around metro Denver.

If you are staying in the suburbs, the Hilton Denver Inverness organize a “Bourbon, bacon and beef brisketBrunch from 9 a.m. to 1 p.m. for $64.95 on The Garden Terrace — with a PGA golf course and great on-property stays, too.

Credit Hilton Denver Inverness

Hilton Denver Inverness (courtesy: Hilton Denver Inverness)

“The afternoon”

There are early risers… and then, my father always said, “the morning worm gets eaten by the bird”.

If you go out in the afternoon with the guys, try Job for a summer day happy hour or a visiting hour on the patio. With a variety of locations across Denver, the wine cafe just added more to its “snack” menus — such as scampi with shrimp and a sausage and cheese platter accompanied by pretzels, with plenty of drink options and renowned bottled wine.

White wine pouring into glasses, close-up

“The Dinner Talker”

At Jovanina’s was mentioned for hockey week, but the restaurant’s real fame lies in its intimate dining. This open-kitchen Italian restaurant is known for hosting Sunday suppers, elevated dinners on the by sopra dining room on the 2nd floor and dinners in the wine cellar sotto voce speakeasy downstairs. And this week launched the Chef’s Tasting Menua four-course culinary experience at the chef’s table.

Note: Ask about the story behind the chef’s table, and the entire space for that matter. (And by the way, did your dad keep wicker baskets, bottles of Chianti wine draped in candle wax? Yeah, mine too. You’ll find similar trinkets at Jovanina.)

Chefs Table and Kitchen Credit Rachel Adams

Chef’s Table | Jovanina’s broken Italian (photo by: Rachel Adams)

“The Aficionado”

There is always a connoisseur among the group. RiNo’s noble riot is a quaint and impressive wine bar, featuring wine and homemade treats. Uniquely, if the caravan dad wants to take the party to the park, you can get picnic-style goodies to go – from fried chicken and charcuterie to wine packs. On the 23rd, find the Pinot specials during “wine school.”

And, LoDo Poka Lola Social Club will feature old-school $6 specials on Sundays – encouraging dads to bring their “father of the year” cups to sip on festively.

Poka Lola Courtesy of Sage Restaurant Concepts

Poka Lola Social Club (courtesy: Sage Restaurant Concepts)

“The musician”

If your pop sounds like my dad, Sundays were for chilling out to the tempo on 89.3 KUVO. Step up a gear for the music lover in the family, at RiNo’s Night. On Sunday, the Jazz Supper Club organizes a “Dinner and Showwith live music and a three-course dinner. In particular, the Big Swing Trio will perform two performances, at 6:30 p.m. and 8:30 p.m.

Space scene credit Jeff Fierberg

Nocturne Space Stage (photo by: Jeff Fierberg)

“The fisherman”

The family can hit the foothills for a good catch. To recreate the experience, on the taste bud side, find the Water grill in downtown Denver at Market Street Station – a unique seafood restaurant, new for 2022. This weekend will feature classic surf and turf fare and wagyu specialties – including just arrived, Wild Copper River King Salmon on the menu.

Salmon Curry Water Grill Denver

Salmon curry | Water Grill (courtesy of: Water Grill)

“The Ecologist”

Since 2017, urban farmer in Denver, nestled inside the historic Oxford Hotel, has been the go-to place for urban farm-to-table production — and not just vegetables. The modern steakhouse will offer at least seven varieties of responsibly sourced specialty steaks, from Prime to Porterhouse, for the holidays.

Extend the holidays to next month? Consider the outdoor, wood-fired dining experience that is, “Pig Legacy Fire555.” This annual throwback event is a nationwide food and wine tour celebrating heritage breed livestock and heritage products. The event takes place on July 30 at Snowmass Village (more on Snowmass, below) – featuring starred chefs, all-animal cuisine, global inspirations and meats from lamb and goat to duck and well Moreover. Tickets are now available.

Heritage Courtesy Of Agency21

Cochon’s Legacy Fire555 | Mass of snow (courtesy: Agency21)

“The Adventurer”

Finally, if you’re like any birthday or holiday lover, you’re already subscribed to celebrations that last well beyond the day of the same name. A toast to our fathers is no different. Escape for a well-deserved road trip (don’t forget the classic rock playlist) out of town for Snow Ground Village — where there is no end to activity options.

Snowmass offers: hiking, biking, indoor or outdoor climbing; and at the base of the Village, everything from comedy series to art exhibits; exceptional accommodations at Limelight Hotel, Viewline Resort and Wildwood; and The Lost Forest Adventure Center includes zipline, rope challenges, alpine slides, gondola rides, packages and tours, for all ages.

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Maroon Bells, just 15 miles from Snowmass Village.

Clachnacuddin aims to recruit defense for new Highland League season

Manager Jordan Macdonald will look to strengthen his backline at Clachnacuddin ahead of the start of the Highland League season.

Clachnacuddin v Brora Rangers, Grant Street Park, Inverness…Clach’s Lewis Nicolson…Pictured: Callum Mackay..

The Lilywhites have been back in pre-season training for two weeks and are playing their first friendly this weekend as preparations begin to gather pace for the 2022/23 season.

For the most part Clach have a stable squad after an encouraging campaign last time out which saw the Grant Street Park side record their best Highland League result in five years.

However, Macdonald is relatively thin on the pitch when it comes to defensive options, so he will be looking to strengthen his squad ahead of the return to competition.

“I don’t think it’s a secret that we need centre-halves,” Macdonald explained.

“At the moment the only one we have is Jamie Calder, who is 18.

“Jamie played for us last year and did very well. We have high hopes for Jamie, he’s a fantastic footballer who is good in the air, but we need more than one.

“We’re not going to rush, we’ll take our time and we’ll get there eventually.

“Full backcourts are probably another area I wouldn’t say we’re short on, but we could do one more.

“There will be nothing big, no massive changes from us. We have a stable team and we are quite happy with what we have.

Part of the reason Clach lacks defensive options is that he had a number of players on loan last year to fill those roles.

Harry Nicolson and Lewis Nicolson have each made the short trip to Grant Street Park on a temporary basis since ICT last season.

They were joined by Inverness midfielder Robbie Thompson and Elgin City defender Ben Cormack to join the Lilywhites on loan.

It’s an option Macdonald is keen to explore again, saying the loan market could prove extremely valuable for a club like Clachnacuddin.

“I hope we will go back down this road,” he said.

“If the right opportunities come our way, I’m not saying we will, but a club like ours has to take that sometimes.

“Caley Thistle and Elgin both gave us players last season, and the players we got were great for us.

“I would have no problem doing that again, but we just have to wait and see.

“You don’t know yet who will be available, so we’ll see if that happens.”


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Concern over A&E pressures, but no new NHS money – Javid

There is ‘no quick fix’ to A&E’s problems, Health Secretary Sajid Javid said, but he insisted there would be no more money for health services in England.

Mr Javid said he was ‘horrified’ to see video of a nurse at an A&E telling patients they could wait until 1pm to see a doctor.

But he told delegates at the NHS ConfedExpo conference in Liverpool that “the answer to all the challenges we face in health cannot always be more money”.

Mr Javid addresses the NHS ConfedExpo at ACC Liverpool (Peter Byrne/PA)

And the strain in the emergency services was “linked to the pandemic”, he added.

Meanwhile, NHS England chief executive Amanda Pritchard said emergency care was facing winter pressures in mid-summer.

And she said the issues facing social care are unlikely to be resolved until winter, which is traditionally very busy in A&E departments.

She also raised concerns about a reduction in the number of hospital beds, saying “we’re past the point where that efficiency is actually becoming inefficient.”

Ms Pritchard also said ‘budgets can never stretch so far’ when it comes to addressing concerns over capital funding in the health service, which covers upgrading buildings and systems computers.

On the pressures on emergency care, Mr Javid told delegates: ‘People have stayed away which is understandable at the height of the pandemic and many of these people are rightly showing up now in record numbers and this is showing up in A&E as well as primary care in other places.

“But the pandemic has also had an impact on social care, and it has had an impact on the capacity of the social care system, which means that many hospitals are struggling with delayed discharges and offering people the packages of care they need – this has an impact on the flow throughout the hospital.

“What can we do about it? And I honestly think we’re doing everything conceivably possible that we can do right now. There’s no quick fix for that.

He added: “Like most of us, I watched this recent video from Princess Alexandra Hospital at A&E and watched it with a mixture of emotions – of course there was horror at the thought that it could be me waiting in this A&E, it could be my children, your children.

On NHS finances, he added: “With the money, first of all, the funding for the NHS is okay, it’s increasing, it was increasing massively even before the pandemic, with the investment in the long-term plan.

“And because of the pandemic, record amounts of funding have been disbursed.

“The money that is collected through the levy, the vast, vast majority of that goes to the NHS and that’s true, because the first thing is that the NHS needs more resources.

“And that’s why he gets them over the next few years, gets the additional resources he needs, including for capital.

“My view on money more generally is that the answer to all the challenges we face in healthcare cannot always be more money. I think it is essential that we improve the productivity.

He added: “Rising health care spending to double the rate of economic growth over the next decade, as some are proposing, is neither sustainable, desirable nor necessary.

Mr Javid told delegates that the answer to all service challenges was not always
Mr Javid told delegates that the answer to all service challenges was not always ‘more money’ (Peter Byrne/PA)

“I don’t want my children, anyone’s children, to grow up in a country where more than half of public spending goes to health care at the expense of everything from education to housing.

“It’s not a fair deal for Britons, especially young people.”

Ms Pritchard also spoke of the pressures A&E is facing, saying: “Frankly, the situation we are seeing in emergency services and ambulance services right now is as difficult as any winter before the pandemic.

“But demand isn’t the whole story. The unacceptable increase in 12-hour waits for A&E admission underscores that the problem is flow.

“You can draw the line from delayed dumps, to A&E congestion, to slower ambulance response times.

“It is difficult to see social care capacity being significantly expanded before winter so the NHS must do everything in its power to cope with this.”

She said the NHS is working on an urgent care strategy which will be published in the autumn.

Meanwhile, on the number of hospital beds, she added: ‘The NHS has long had one of the lowest beds among comparable healthcare systems and in many ways this reflects our efficiency and our efforts to provide better care in the community…we are past the point at which this efficiency becomes truly ineffective.

“So the point has come where we need to review how we properly size our capacity across the NHS.”

Regarding efficiency and productivity, she added: “At 2.2%, we have already set very ambitious efficiency targets.

(PA graphics)
(PA graphics)

“And because we are the NHS, we have an advantage over many other health systems in responding to this.

“We can act together by controlling the expenses of agencies and consultants.

“We can negotiate the best rates for the whole service when it comes to new and effective drugs, and access to independent hospitals for testing and treatment.

“And we can use our shopping data and power to find and save money on everyday items that services need and how we use our heritage.

“But we have to be realistic, so far we’ve absorbed the current inflation spike, but budgets can never stretch so far.”

Matthew Taylor, chief executive of the NHS Confederation, told the conference that the combination of the short-term impact of Covid, the medium-term impact of austerity and the long-term inability to s Tackling the social determinants of health had caused a ‘capacity gap’ in the NHS.

“That’s why for many of you, no, most of you, crisis management is a daily reality,” he said.

On financing, he added: “We need to learn the lessons of austerity and the ‘feast or famine’ approach to financing. We welcomed last year’s regulations for health and care.

“We can discuss with the Secretary of State and Treasury its adequacy given the impact of inflation, but we can certainly agree that it was only the first step towards financial sustainability.”

Meanwhile, Mr Javid and Ms Pritchard both said the current model of GP care ‘isn’t working’.

Mr Javid said he would present a primary care reform plan shortly.

In a Jam? Don’t take out a payday loan without reading this first

Image source: Getty Images

These quick and easy loans come at a terrible price.


Key points

  • Payday loans may seem to solve your short-term financial problems, but they often make long-term problems worse.
  • There are other, more affordable ways to get the cash you need in a snap.

When the bills pile up, it’s natural to look for the quickest way out of your situation. But sometimes what seems like the perfect solution can actually lead to bigger problems. This is the case with payday loans, which promise quick and easy cash while hiding an alarming cost. But do not worry. There are other ways to get the money you need, and if you already have payday loan debt, it is possible to get out of this situation.

What’s so bad about payday loans?

A payday loan is a short-term loan, usually $500 or less. It is much faster to obtain one of these types of loans than other more traditional loans from a bank. Usually all you have to do is provide ID and proof of income, then write a post-dated check or allow the lender to withdraw the funds from your account on your next payday. No collateral is required and you can be out with your money in minutes.

This sounds great in theory, but payday loans usually carry astronomical interest rates. A typical credit card can have an annual percentage rate (APR) of 15% to 30%, depending on the cardholder’s credit. A payday loan can easily have an APR of 400% or more.

Those who are unable to repay what they owe often end up extending their payday loan, which only adds more interest, and the cycle continues month after month. Over time, it becomes increasingly difficult to keep up with payments as interest charges escalate.

Let’s say you take out a $100 payday loan with an APR of 400% due in two weeks. If you are unable to repay it, the payday lender will now charge you interest on your initial $100, plus the $15.34 interest owed on the first loan. If you cannot repay the loan after one month, you will owe $165. After three months, it will cost you $232. And after a year, you’ll owe $500, assuming you continue to extend the loan without paying anything back.

Payday loans are so dangerous that some states have banned them outright while others have limited the interest rates and fees that payday lenders are allowed to charge their customers. But many states still allow these outrageous charges to continue. Fortunately, payday loans aren’t the only way to get the money you need.

Payday loan alternatives to consider

Avoiding payday loans is possible, but your approach will depend on several factors, including your credit and when you need the money. For non-emergency expenses, the best strategy is often to save up little by little for your purchases. And if you don’t have an emergency fund yet, you should start one so you don’t have to borrow money for unexpected expenses.

In some cases, you may be able to work out a payment plan rather than paying a large bill all at once. Many hospitals allow you to do this for medical debts and you may be able to do the same for other bills.

Personal loans are another option, and they’re also a great choice for those who already have payday loan debt. This is another type of loan that doesn’t have collateral, and it’s possible to get one even if your credit isn’t great. The interest rates on these loans are higher than those on a mortgage or car loan, but they are much more affordable than payday loans. You can also borrow a lot more if you need to, and many lenders offer you longer repayment terms. Plus, many lenders can get you the money you need in a day or two.

There are also other types of hardship loans, for things like medical care or emergency home repairs that can help you in certain situations.

Finally, you can consult local charities if you need help with essentials. You may be able to get food, clothing, and other essentials at little or no cost.

You can usually find better options than a payday loan. But if you choose to get one anyway, make sure you understand its costs and be sure you can pay it back on time. Otherwise, you will only postpone your financial problems.

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Personal loan ads on social networks

The past few years have been difficult for many Americans. Unfortunately, trying to stretch every dollar to buy basic necessities has become the norm. Some might consider a second or third job to pay the bills.

This is precisely the type of person that payday loans target. Promising quick cash without telling the full story of loan costs, these ads have been popping up on social media platforms like TikTok.

Read on to find out how these companies are bending the rules and why taking a payday loan is bad.

Here is the backstory

All social media platforms have advertising as it is the main way to generate profit. But some sites are not as strict about ad content as others. For example, TikTok claims to have a policy against “exaggerated performance or promises”.

Yet, there are many payday loan messages that target vulnerable users. According to Media Matters for Americathree companies systematically violate TikTok’s advertising policies by promoting payday loans.

Promising instant cash, posts by Earnin, Brigit and Albert target those in need of quick cash with phrasing such as “living paycheck to paycheck” or always being “broke”. It is unclear how advertising is allowed to be on the platform.

TikTok Payday Loans
Credit: Media Matters for America

But Earnin is no stranger to controversy. The company settled a $12.5 million lawsuit three years ago for deceptive lending practices. Brigit and Albert are also not registered with the Better Business Bureau (BBB), as some users claimed there were unexpected charges or missing deposits.

What can you do about it

It may seem like a lucrative opportunity to get some quick cash in your wallet, but there will always be a catch. The interest rate will be exorbitant, and they don’t call it often. Some advertisements will use words such as “fee” or “tip” without mentioning the interest rate.

According to the Consumer Financial Protection Bureau, a two-week payday loan with a $15 fee to borrow $100 gives you an annual percentage rate of 400%. That’s way more than the typical 30% for a high-interest credit card.

It may leave you in a cycle of debt, but according to the BBBthere are safer alternatives to payday loans:

  • Build a budget with an emergency fund. Create a budget so you know how much money you receive and how much you need to pay your bills. This will help avoid needing a loan in the first place. Then set aside money each month to build an emergency fund. You will be covered even if an unexpected expense or emergency occurs.
  • Get credit advice. Get credit counseling if you find yourself unable to pay your bills or caught in a cycle of debt due to a high-interest loan. The US Department of Justice has a list of agencies for people looking for debt reduction help. Also see BBB’s advice on credit counseling for more resources.
  • Shop for loans. Compare interest rates, fees and late fees by reading the fine print before choosing a lender. Pay close attention to interest rates and loan rollover fees. Credit unions are a great place to get a small loan with reasonable interest rates. Even credit card cash advances, which typically have double-digit interest rates, likely have lower interest rates than those offered by a payday lender.
  • Contact your creditors if you cannot pay on time. If you realize you won’t be able to make a payment on time, don’t panic. Contact the creditor directly. Many creditors are willing to work with you to design a payment plan you can afford.

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Javid suggests the income tax cut be brought forward if possible

Sajid Javid has suggested that the government’s planned income tax cut be postponed until next year, circumstances permitting.

In March, Chancellor Rishi Sunak pledged to cut the basic income tax rate from 20p to 19p in the pound before the end of the current legislature in 2024.

He said it was ‘fully costed’ and represented a ‘£5bn tax cut for over 30m people’.

Since then, pressure has continued to mount on Mr Johnson from within his own ranks, with unrest over the party saga exacerbated by senior civil servant Sue Gray’s findings about it and concerns over the high levels of taxes and expenditures.

It culminated in a deadly Tory revolt against Mr Johnson’s leadership earlier this week, with 148 of his own MPs voting against him in a confidence vote.

income tax rate from 20p to 19p in the pound before the end of the current parliament (Daniel Leal/PA)” data-root=”/_media/img/” data-path=”J0X0KPEEAF84TTZ9UK8Y.jpg” data-ar=”1.50″/>
Chancellor Rishi Sunak has pledged to cut the basic income tax rate from 20p to 19p in the pound before the end of the current parliament (Daniel Leal/PA)

Asked whether the income tax cuts could be carried over to next year, Mr Javid told The Times he knew the Chancellor would want to cut taxes “as soon as he can”.

“He has a plan, and I’m sure he would agree that he would like to implement it as quickly as possible,” the health secretary said.

“And if it can be advanced, of course it should be advanced.”

He argued that the “best way” to fund public services was to have a “vibrant, low-tax, growth-inducing economy”.

“This growth will naturally lead to increased state revenue that can fund services,” he said.

I know he (Sunak) will want to cut taxes as soon as he can

Sajid Javid

“I’m a low-tax conservative – that’s one of the reasons I’m a conservative and I want to see a small state that’s focused on delivering the things that really matter. And I want to see taxes as low as possible.

It comes after he added his voice to calls for tax cuts on Wednesday, saying he “would like to see us do more”.

Mr Javid acknowledged the pandemic had brought “challenges to public finances”, but told BBC Radio 4’s Today programme: “I would like to see cuts where possible.

“And I know that’s something the government takes very seriously and I know that’s something the Chancellor will look into.”

In a bid to get his job as prime minister back on track, the prime minister gave a keynote speech on Thursday reaffirming his commitment to cutting taxes and outlining plans to expand the right to buy.

The Prime Minister gave a keynote speech on Thursday to reaffirm his commitment to cutting taxes (Peter Byrne/PA)
The Prime Minister gave a keynote speech on Thursday to reaffirm his commitment to cutting taxes (Peter Byrne/PA)

Speaking in Blackpool, he said he wanted to reduce the tax burden as soon as possible and reduce the size of government.

But he later declined to elaborate on his tax cut plans, saying: “On what Rishi (Sunak) and I are talking about tax measures, you’re just going to have to contain your impatience there.”

Mr Johnson said the Government was ‘strongly inclined to stimulate more growth, more productivity with tax cuts as they become reasonable’.

He added: “The cost of housing is a big chunk of expenses, transportation is a big chunk, childcare is a big chunk, energy is a steadily growing chunk, but taxation is the most important. of all and we certainly aim to reduce it.”

In light of this week’s vote of confidence, Mr Javid told The Times that people will want to see the Tories’ “delivery”.

The cost of housing is a big chunk of expense, transportation is a big chunk, child care is a big chunk, energy is an ever-increasing chunk, but taxes are the most important of all and we’re aiming definitely reduce it

Boris Johnson

“Most colleagues would agree, especially given what happened on Monday, that people want to see the government boldly and radically address the challenges facing the country,” he said.

“People are going to want to see the delivery. They want us to focus on the Conservatives’ problems.

On Covid, he said Britain is now “properly post-pandemic” and should be “proud” of how it has approached the crisis.

“Of course Covid is still out there,” he said.

“Covid is endemic like the flu and other viruses. Fortunately, it is no longer a pandemic and we have the tools to fight it.

Crusaders boss Stephen Baxter bolsters his attacking options with first signing of the summer

Crusaders boss Stephen Baxter has bolstered his attacking options ahead of next season with the capture of former TNS striker Dean Ebbe.

Ebbe, whose previous clubs include Inverness Caledonian Thistle and Shamrock Rovers, is the Shore Road club’s first major signing of the summer window.

The Dubliner, who spent last season on loan at Bala, played for The New Saints against Glentoran in the Europa Conference League last summer.

Read more: New boy from Glentoran: Mick McDermott and Paul Millar made me feel wanted

He started in a 1-1 draw at the BetMcLean Oval and came on as a substitute in a 2-0 win for the Welsh side in the second leg at Park Hall in Oswestry.

The versatile striker, who can play as a striker or on either flank, scored 41 goals in 101 appearances for TNS and a prolific 11 in 13 games for Bala last season.

Ebbe is the first summer arrival to the Crues who lost versatile defender Aidan Wilson to Glentoran eight days ago.

The 27-year-old is also the first signing since the North Belfast club received a major investment from a consortium which includes Liverpool legend Ian Rush.

Read more: Glentoran new boy Harry Murphy is eager to ditch the ‘one for the future’ tag after Oval move

Read more: The former Cliftonville winger on his Irish League highlights and plans for the future

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Christophe Berra named Raith Rovers player-manager as ex-Hearts star takes on new role

Christophe Berra has been named the new Raith Rovers first-team manager as he doubles as a player.

The former Hearts star has been with the Championship club since last year and has previously featured on the coaching side.

But new Rovers boss Ian Murray has seen fit to officially integrate the 37-year-old into his backroom squad.

And with Berra now having a UEFA A license among his qualifications, he hopes to put it to good use as he and his teammates aim for promotion this coming season.

Speaking to the Raith Rovers website, he said: “Having been involved in coaching Rovers last season as well as playing, I relish the opportunity to further develop my coaching skills.

“I’m grateful for the opportunity the manager gave me, and I think it’s a natural progression for me going forward.

“I look forward to seeing the team again this morning when pre-season training begins.”

Berra has a wealth of experience as a player, having played almost 650 games in his career so far.

This includes 146 appearances for Hearts in all competitions over two spells at the Tynecastle club, while he also earned 41 caps for Scotland during his international career.

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From the Premiership to League Two, Champions League and Europa Conference League, we’ve got every blade of grass covered.

Expect this bulletin after 5 p.m. daily, collecting the most important stories of the day.

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Review of possible finance installment loans 2022 – Forbes Advisor

Although Possible Finance can quickly offer small loans to borrowers with bad credit (or no credit), it charges higher APRs than some other personal lenders. Here’s how Possible Finance’s installment loans stack up against competitors.

Possible financing against upgrade

Upgrade offers personal loans starting at $1,000, so it might be a better option than Possible Finance if you need to borrow more than $500. In fact, you can borrow up to $50,000 with the upgrade and APRs start around 6% and go up to 36%. Since Upgrade’s rates are much more competitive than those of Possible Finance, it may be worth checking to see if you may qualify for one of its personal loans before borrowing a Possible installment loan.

The upgrade requires a minimum credit score of 580 to qualify, making it a viable option for potential borrowers with damaged credit.

Related: Personal Loans Review Upgrade

Possible financing against SoFi

Possible Finance offers small loans up to $500, but SoFi funds personal loans between $5,000 and $100,000. SoFi’s competitive APRs start around 6%, but you’ll need to pass a credit check to qualify. SoFi requires a minimum credit score of 650. If you cannot qualify on your own, you may consider applying with a co-borrower, such as a spouse or trusted friend.

Related: SoFi Personal Loans Review

Possible financing against LightStream

Similar to SoFi, LightStream also offers personal loans from $5,000 to $100,000, depending on the purpose of the loan, with competitive APRs starting in the low single digits. While Possible Finance finances short-term loans, LightStream allows you to repay your loans over two to 20 years. You must have a minimum credit score of 660 to qualify for a LightStream personal loan.

Related: LightStream Personal Loans Review

Forward the news live as Rangers and Celtic plus Aberdeen, Hearts and Hibs make signings

Transfer news and rumors are making headlines across the footballing world as clubs begin to ramp up their summer business.

Celtic are looking to link Jota and Cameron Carter-Vickers after the duo completed memorable loan spells in a Parkhead title-winning season.

And there will also be a number of new faces arriving in east Glasgow with boss Ange Postecoglou eyeing Benjamin Siegrist in a bid to replace goalkeeper Vasilis Barkas, who has joined Utrecht on loan.

Gio van Bronckhorst is also set for a busy first transfer window in the Ibrox HQ.

Rangers managed to secure the services of many of the main team members from last season, but doubts remain over veteran stopper Allan McGregor’s future.

Save sport understands that talks are ongoing regarding a new deal, but no announcement has been made.

Robbie Neilson started business at Tynecastle with Hearts signing Australian defender Kye Rowles to a three-year deal with Central Coast Mariners.

New Hibs boss Lee Johnson has also secured the services of Rocky Bushiri.

The centre-back returns to Easter Road on a permanent basis following his loan spell from Norwich City last season.

Aberdeen’s rebuild is underway as Jim Goodwin seeks to add Liam Scales to its ranks following the capture of Albania international Ylber Ramadani.

Kilmarnock are gearing up for their first season back in the top flight under Derek McInnes and several DONE DEALS are set to be announced.

In the south, Liverpool are closing in on Benfica striker Darwin Nunez but Sadio Mane could go the other way as he is on Bayern Munich’s radar.

Stay tuned for the latest news on all this and more LIVE.

What the Newspapers Say – June 9

What the Newspapers Say – June 9 (PA)

Grim economic developments and the biggest transportation industrial action in a generation are splashed across national newspapers.

The Daily Telegraph and the DailyMirror report that the price of filling an average car has hit £100 in the biggest daily increase in 17 years.

The Guardian says the Prime Minister’s hopes for a ‘reset’ after his murderous confidence vote have received a ‘double whammy’ due to rising fuel prices and the latest forecast from the Organization for Economic Co-operation and Development.

The think tank’s forecast predicts that economic growth in the UK will ‘stop next year’ and be the worst in the G20 except for Russia, the UK. FinancialTimes reports.

The Daily Express has Boris Johnson set to deliver a speech in which he will unveil plans to slash bills ‘left, right and center in his most sweeping move yet’ to ease pressure on Britons.

The Prime Minister will also announce a policy allowing the lowest paid workers to use their housing allowances to buy houses, according to The temperature.

Subway accuses railway union boss Mick Lynch of having ‘no shame’ for his ‘non-apology’ during three days of strikes aimed at halting job and spending cuts.

The I reports that the strike could last six days – until June 26 – amid fears the supply of fresh food could be cut off.

“Dark” information covered by The Independent shows that Ukrainian forces are outgunned by 20 to one in artillery and 40 to one in ammunition by the invading Russians in the east of the country.

The Daily mail reports that a coalition of charities and a trade union have sought an injunction to stop the interior minister’s first migrant flight to Rwanda.

The sun says model Kelly Brook will marry her longtime partner this summer in Italy.

And the daily star reports that “anxious” archeology students have been warned they may come across old bodies.

These six women are helping grow Colorado’s wine industry

Although the beverage and wine industry has historically been male-dominated, there has recently been an increase in the number of female leaders, business owners, and winemakers in the community, including throughout Colorado. We spoke with some of the many influential women in the state’s growing wine scene to learn more about how they got to where they are, how they’ve seen the industry change, and what you must know about Colorado wine.

When Jenne Baldwin-Eaton started working in wine, there were only three female winemakers in the state.

Courtesy of Colorado Wine

Jenne Baldwin-Eaton, Wine Educator, Western Colorado Community College

When Jenne Baldwin-Eaton moved to Grand Junction in 1994 looking for a job in the chemical field, she decided to explore working in wine. At the time, there were only about nine winemakers in the state – and only three of them were women. There are now over 170 licensed wineries in Colorado and many more women who play important roles in the industry. “In general, women in Colorado seem to be very independent, passionate, hardworking, and creative,” Baldwin-Eaton says.

It’s exciting to have more women getting started, she adds, and she enjoys watching the evolution of Colorado wine, including the amplified quality over the years. The veteran winemaker worked at Plum Creek Winery in Palisade for 22 years before shifting gears to pay it by inspiring future wine professionals. She currently teaches courses in winemaking and viticulture, fermentation science, and sensory analysis at Western Colorado Community College.

Colorado’s wine industry faces many challenges, notes Baldwin Eaton – our climate being number one – adding, “This industry requires you to put your heart and soul into it to be successful, and even then, it doesn’t. is not a guarantee.

COURTESY OF COLORADO WINE

Courtesy of Colorado Wine

Laura Black, Co-Owner, Mesa Park Vineyards

Laura Black decided to get into the wine business by traveling the wine regions of Argentina with her husband, Brandon. Upon returning from the momentous trip, the two purchased Mesa Park Vineyards in Palisade in 2018. “The pieces came together,” Black says. Not only do they produce wine, but they cultivate eight acres of Merlot, Cabernet Sauvignon and Cabernet Franc grape varieties.

“It’s really amazing and surprising how quickly it’s grown since we’ve been here,” she says of the state’s wine industry. Fortunately, the local wine community has been tight-knit, friendly and helpful, she adds – which is ideal for someone trying to navigate a new business, especially a challenging, seven-day-a-week business reliant on weather.

Black feels the women in Colorado’s wine industry paved the way for those getting into it now. In addition to Baldwin-Eaton, she notes the influence of Jayme Henderson (The Storm Cellar), Linda Brauns (Restoration Vineyards), Nancy James (Whitewater Hill) and Cassidee Schull (Colorado Association of Viticulture and Enology), among many others.

COLORADO WOMEN'S WINE GUILD/INSTAGRAM

Colorado Women’s Wine Guild/Instagram

Abbie Minton, Co-Founder, Women’s Wine Guild of Colorado (WWGC)

Sommelier Abbie Minton’s journey to wine began while studying abroad in Rome. She ended up working in a roommate’s family winery in Abruzzo, and there was no turning back.

Minton’s outstanding winemaking experience in Colorado includes the Barolo Grill, La Tour restaurant and bar in Vail, Mercantile Dining and Provisions (where she ran the entire wine program) and, most recently, Harvest Wine Company and Rootstalk in Breckenridge.

Throughout her career in wine, Minton realized that there was more of a competitive vibe than a sense of community for women in the industry. Together with co-founder Sarah Shomaker, they decided to start the Women’s Wine Guild of Colorado to bring women of wine together in an encouraging environment. The non-profit’s goal is to foster collaboration and wine education while networking and supporting women in their wine careers and businesses.

When the group planned their first event at Mercantile, Minton thought about 20 women would attend, but 125 women showed up, clearly proving the desire to create a stronger wine community. “It was kind of unbelievable,” she says.

Events have included offering all women winemakers flights to women-owned wine bars, speakers and panel discussions, trade spotlights to spotlight local wine businesses, networking events, attendance at wine festivals and more.

Click to enlarge CREATIVE KIKEAD


Infinite Monkey Theorem CEO Nicki McTague

Nicki McTague’s goal is to continue educating people about Colorado wine and agriculture, and to show wine drinkers that there really is great wine coming out of this state, she says.

McTague, who started at the winery by building partnerships with the community and local businesses, is now leading the charge. The Denver winery is 50% owned and 80% run by women. “It’s new and exciting to see this women’s team,” she said. “We really strive to be more aware and listen to what customers want.” This includes rebranding images and incorporating fun events like bottomless mimosas. McTague is also proud to work with her team on various ways to give back to the community, including providing bicycles to local children.

Infinite Monkey Theorem is not new to innovation – it helped popularize canned wine locally. McTague believes that with the active lifestyle and four seasons here, canned wine for hiking and camping is ideal. “It makes sense in the state of Colorado,” she says. She loved seeing the brand grow – even stretch skyward; it is now available on Frontier Airlines flights.

From a more global point of view, she loves to see an industry traditionally dominated by men gaining more and more women winemakers. “It was really fun to watch and fun to see their style of winemaking,” she adds.

McTague strives to make the wine cellar experience welcoming, relaxed and relaxed while being informative. “There is no bullying if [guests] can’t pronounce the grape variety,” she notes.

Click to enlarge NICK CAHILL

Ali Yakich, Beverage Manager, Flagstaff House

Sommelier Ali Yakich’s interest in wine began at her parents’ dinner parties growing up. She saw how captivated the whole room could be when talking about the wine being served. “I’ve always loved hospitality and caring for people,” she says, so combining wine and hospitality seemed to go hand in hand.

Yakich studied hospitality at Iowa State University and traveled to Sydney, Australia to attend the International College of Management. From there, she had the opportunity to manage the beverage program at the Four Seasons Hotel Boston and take on the role of sommelier and general manager at the four-star French restaurant Deuxave.

She is now the Beverage Director at one of the most notable wine restaurants in the state and the country: Boulder’s Flagstaff House. “Working at a Grand Award restaurant and a Colorado icon that’s been here for fifty years is such a special opportunity,” she notes.

When it comes to Colorado, Yakich says wine drinkers seem to be a bit adventurous, which she appreciates. “People want to explore new things,” she adds, noting increased interest in organic or biodynamic wines, for example. Yakich recognizes that navigating a wine list can be daunting, but a sommelier is there to put you at ease and help you find the perfect bottle of wine. “That’s my whole goal,” she concludes.

Click to enlarge BALISTERI VINEYARD

Julie Balistreri, Co-owner, Vignobles Balistreri

When Julie Balistreri and her family started Balistreri Vineyards more than two decades ago, Colorado wines were much less accepted, she says. But now the industry has really evolved, with winemakers across the state continuing to dramatically increase the quality of wines.

The de Balistreri family are originally from Sicily and have chosen to stick to their winemaking traditions by producing all-natural wines without the addition of sulfites or other chemicals. Natural wines tend to be easy to drink and much kinder to the body, she says. The majority of the grapes used to produce the vineyards’ award-winning wines come directly from the West Slope of Colorado.

“When we started the winery 24 years ago, there were far fewer women in the industry,” Balistreri notes. “The number of wineries has more than quadrupled since that time, and now it’s exciting to see so many women involved in all aspects of the industry, from wineries to retail and wholesale.”

When it comes to touring wineries in the state, Balistreri points out that all Colorado wineries have their own style and each does something different. “That’s the fun,” she adds.

Denver’s Best Father’s Day Specials

Father’s Day is Sunday, June 19, and if there’s one thing all dads love, it’s food. (Yes, beer is a food.) The upcoming holidays are the perfect excuse to skip the kitchen (and do the dishes), get out of the house, and indulge in the specials local spots are offering just for the dads in your house. life.

From barbecue to bourbon to brunch, here are the tastiest ways to celebrate dad this weekend:

Grill A5
1600 15th Street
303-623-0534

Skip the fancy restaurant service and bring home the perfect steak to grill. Chef Max Mackissock offers his superb A5 Steak Sauce and Steak Gravy in a $24 gift set for Dad. You can also add a 30-ounce bone-in strip of NY for $99, or two beef tenderloins for $79, which also includes step-by-step cooking instructions. Buy the gift box and order steaks online via Tock.

American elm
4132 West 38th Avenue
720-749-3186

Order the Father’s Day rib steak special for two and take it home with this dinner kit. The package starts at $99.95 and includes steak, steak sauce, twice-baked potatoes, grilled broccolini, and buttermilk pie for two. Raise the bar with old-fashioned cocktails to go or a bottle of wine. Book the meal online and pickup June 19.

Click to enlarge

Lobster and asparagus risotto.

RAW wine and food bar

CRU Food & Wine Bar
1442 Larimer Street
303-893-9463

Brunch might be more like a mom thing, but dads love spreads of breakfast and lunch foods too. Especially at CRÚ, where from 11 a.m. to 3 p.m., the team honors dads with a $35 prix-fixe three-course menu, or a la carte if he prefers. The special menu includes appetizers like salmon and avocado toast or shrimp wrapped in prosciutto; entrees like lobster and asparagus risotto or rib and egg breakfast tacos; and for dessert, cheesecake, red velvet cake or crème brûlée. Bonus: Mimosas and Bellinis are only $6, no matter who you are.

Eddie V’s Best Seafood
5111 DTC Parkway, Greenwood Village
720-826-7488

This seafood spot is offering an 11-ounce Snake River Farms wagyu steak especially for Father’s Day. For the ultimate indulgence, add a shot of Blanton’s bourbon, the restaurant’s unique barrel, and you’ll also get a limited-edition over-bottle to take home. You can also dig into a shell tower, Maine lobster tacos, or a side of crab fried rice to go with the meal. Book this one-day Father’s Day party from 12-8 p.m. by logging online.

The Jones Family Spirit House
3245 Osage Street
303-481-8185

Not only was Family Jones our pick for Best Distiller in Colorado this year, but on Father’s Day, the venue can help you celebrate that best dad of your life. Take him and anyone else in on the fun on a private tour of the distillery. The special event includes tastes, history, a whiskey cocktail and a bottle of Ella Jones Colorado Straight Bourbon whiskey. Each tour costs $25 and can be booked by contacting the site by phone.

Grab a free beer for dad this Father's Day.  - FLYTECO BREWERY

Grab a free beer for dad this Father’s Day.

FlyteCo Brewery

FlyteCo Brewery
4499 West 38th Avenue
720-772-7319

Pop into this Berkeley brewery for a free pint of beer or coffee between 7 a.m. and 7 p.m. Choose from a long list of beers, including a gluten-free lager, Sky Plane Stout, This Is Your Hefe Speaking, Tropical Tailwinds Pineapple Gose and so on. much more. Also order food from 8:00 a.m. to 6:00 p.m. The menu includes roast beef sandwiches, a variety of pizza bagels, club sandwiches and more.

Hilton Denver Inverness
200 Inverness Drive West, Englewood
303-799-5800

The brunch served at this hotel turns out to be epic, and this Father’s Day, from 9 a.m. to 1 p.m., there’s even more going on. Enter Bourbon, Bacon & Brisket, a brunch special hosted on the garden terrace that features – you guessed it – bourbon, bacon and brisket. But also a raw bar, seafood, omelet station, sushi, tons of desserts, pastries, and more. Make the day even more special by adding a round of golf at the J. Press Maxwell 18-hole PGA Championship Golf Course, right next to the hotel. Reservations are recommended and prices start at $64.95 for adults, $32 for children six to twelve (five and under eat free).

Click to enlarge Have a $6 Old Fashioned at Poka Lola Social Club.  - WISE RESTAURANT CONCEPTS

Have a $6 Old Fashioned at Poka Lola Social Club.

Sage Restaurant Concepts

Poka Lola Social Club
1850 Wazee Street
720-460-2728

Dads of kids and dogs can hand out a few old-fashioned $6 cocktails on Father’s Day from 3 p.m. to 9 p.m. Order a side of barbecue sliders and fried chicken bites with habanero barbecue sauce for a complete celebration.

Que Bueno Suerte
1518 Pearl Street South
720-642-7322

While the regular menu is also available, this spot serves Father’s Day-only specials, including a breakfast burger with chorizo, bacon, cheese, and a fried egg; and papas fritas topped with cheese, guacamole, pico de gallo and carne asada. Each father is entitled to a beer or a special dessert: sopapillas stuffed with burnt plantains, served with vanilla ice cream, pecans and whiskey caramel. All other adults can celebrate with 25% off Bloody Mary, Michelada and Old Fashioned cocktails.

Click to enlarge Don't miss the special Bob burger for Father's Day!  - THE CREATIVE CULINARY GROUP

Don’t miss the special Bob burger for Father’s Day!

The Culinary Creative Group

Tap & Burger
Multiple locations

Each of the four Tap & Burger spots (Highland, Sloan’s Lake, Westminster and Belleview) will celebrate those dads in our lives with meat. The theme is centered around the patriarch of Bob’s Burgers. Yes, we’re talking about the mustachioed man himself, Bob. Try chef Carrie Baird’s ode to this father with a special burger dubbed “Onion Ring Around The Rosemary.” Plus, all dads who dine at the restaurant on Father’s Day will receive a free draft beer.

to smoke
3330 Brighton Blvd.
720-452-2487

Dads love barbecue, so why not take them straight to the source, to the Source. Chef Bill Espiricueta’s Smok has been serving up killer meats for years, and on Father’s Day, he’ll be offering free hot Nashville chicharrones to all those grandpas, dads, pops and dads out there. Eat in or take away.

Tavern
1889 16th street
720-605 1889

Treat Dad to an at-home feast this Father’s Day with the restaurant’s special Steak & Rye Whiskey kit, which can serve up to four people. It includes the Italian version of a T-bone steak (aka the 50-ounce dry-aged bistecca alla fiorentina), homemade focaccia, garlic-lemon-chili rapini, and chocolate chip cookies. The $300 treat also includes a locally made bottle of Laws San Luis Valley Straight Rye Whisky. Pre-order this pack from Tock and pickup at Tavernetta the afternoon of June 19.

Frei: 2016 and 2017 avalanche survivors can enjoy it now

After the Avalanche finished sweeping the Oilers in Edmonton on Monday night with a 6-5 overtime victory, the Western Conference championship hats sat on the table ahead of Erik Johnson and Mikko Rantanen as they were meeting with members of the media.

They are among five remaining Avs players who suffered from the historic terrible 48-point season in 2016-17, when the payroll also scraped the salary cap.

The others: Gabriel Landeskog, Nathan MacKinnon and JT Compher.

Additionally, Avalanche coach Jared Bednar was in his first NHL season after Patrick Roy was bailed out in August and general manager Joe Sakic was overseeing the rebuild that Roy typically couldn’t accept.

And now they’re all heading to the Stanley Cup Finals against the Rangers or the Lightning.

The Rangers would be intriguing in part because their general manager, Chris Drury, broke into the Avalanche, was a key cog in the 2001 Stanley Cup run and was Sakic’s roommate on the road. He was a big fan favorite with the Avalanche before his controversial 2003 trade with Calgary.

And the Lightning? They are the two-time defending Stanley Cup champions looking for a hat-trick. One of their defensemen is Denver-born Cal Foote, 23, son of longtime Avalanche defenseman Adam Foote.

Either opponent would face the Avalanche against one of the best goaltenders in the world – Andrei Vasilevskiy of the Lightning or Igor Shesterkin of the Rangers.

Of the Avs remaining this low season, Johnson must have been the most patient.

He joined the Avalanche in a trade from the Blues in February 2011, months before Colorado claimed Landeskog with the second overall pick of the 2011 draft and took him straight to the NHL for the season. next.

“I told Landy we’ve been teammates for 11, 12 years, so to have this chance to play for the Cup after waiting so long…” Johnson said. “I told Nate and Mr. [Stan] Kroenke and Mikko I’ve waited a long time to do this, so it’s exciting.

He noted that his injury-plagued career had its challenges. He missed an entire season with the Blues early in his career due to a knee injury sustained on the golf course and surgery. Among other injury-caused absences, he also missed Colorado’s first-round loss to Nashville in 2018.

“When I came to Colorado in 2011, the team was last,” he said. “We had ups and downs for years after that, and then we knocked on the door the last two years. . . With the injuries and some things that happened along the way, you never know when that opportunity is going to come. I immerse myself in everything, I try to live in the present moment and I have a lot of fun.

A year ago, during the second-round series with the Golden Knights, Johnson did not travel with the team to Las Vegas and I ran into him at the Pierre Lacroix memorial tribute at the hotel Inverness. Due to concussion issues, he only played four regular season games and none at all in what turned out to be a short-lived playoff stint for the Avs. He ended up waving his amended no-move/no-trade clause for the expansion project. (His deal lists 19 teams he can be traded to, according to Cap Friendly.) But as expected, the Kraken didn’t take him and he’s under contract — at $6 million a year — until next season. .

This season he has adapted and come to terms with his fluctuating role, and is now locked in the duo with Bo Byram ahead of the Cup final. The next goal is to increase the Cup’s overhead … like the Avs did four days before Byram was born in June 2001.

Johnson noted that 15 years after breaking into the league and having played more than 900 regular season and playoff games, he is finally making his first Finals appearance. Then Johnson smiled and said he looked at his defensive partner and realized that Byram had played 49 regular season games and 14 playoff games…and he’s already there.

Landeskog and MacKinnon followed Johnson and Rantanen into the interview room Monday night.

“It feels good, it’s a step in the right direction, to go through another round,” Landeskog said. “We know the job is not done, but I think this group showed very good resilience in this third (back) period.”

The Avalanche captain was happy for Johnson.

“He’s been there since my first training camp,” Landeskog said. “He was my first roommate on the road. Now we’re sitting here 11 years later going to the final. It’s obviously very special.

“I would probably be lying if I said I thought we would be here one day during our 16-17 season. It was hard, above all. It was as close to the bottom as it gets when it comes to playing in the NHL. At the same time, we showed our resilience there. Obviously Joe (Sakic) and (Chris MacFarland) have done a great job of making our team what it is today. . .

“We started making the playoffs the following year and we started believing in it and you start seeing progress and moving. Losing in the second round three years in a row was tough. Sometimes you have to stumble across the finish line before you cross it. I think for us that’s been true so far. The work is not done. It’s going to be another tough series, but we’re going to rest here and get ready to go.

MacKinnon again shifted the spotlight and wasn’t going to get too excited about anything other than the ultimate goal.

“Obviously with Gabe and EJ going this far, we’ve come a long way,” MacKinnon said. “Obviously the work is not finished, but you also have to enjoy the trip. We appreciate what we have in front of us. It’s a good opportunity. It’s great to move on”

The five “survivors” would have the lowest of lows to compare it to.

terry frei ([email protected], @tfrei) is a Denver-based author and journalist. He has been named state sportswriter of the year seven times in a vote by his peers – four times in Colorado and three times in Oregon. Her seven books include the novels “Olympic Affair” and “The Witch’s Season”. Among his five non-fiction works are “Horns, Hogs, and Nixon Coming”, “Third Down and a War to Go”, “Mars 1939: Before the Madness”, and “’77: Denver, the Broncos, and a Coming de l ‘age.” He also collaborated with Adrian Dater on “Save by Roy”, long served as vice president of the Professional Hockey Writers Association and covered the Rockies, Avalanche and the NHL in general. His website is www.terryfrei.com and his bio is available on www.terryfrei.com/bio.html

His Colorado Hockey Now column archive can be accessed here

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Schapiro: A payday loan battle that started in Virginia with a whimper, ended with a bang | Columnists






Jeff Schapiro


DEAN HOFFMEYER/TIMES-EXPATCH/////////



Jay Speer has been lobbying the Virginia legislature for as long as he’s been a parent: 22 years.

And for almost all, while he and his wife raised two children, both now out of college, Speer battled the high-cost instant loan industry, arguing that payday lenders and securities cars mainly exploit the poor. with debts they find it difficult to repay – if at all.

For Speer, executive director of the Virginia Poverty Law Center, the industry is now a much smaller target, having been held back by rules imposed by Democrats in 2020, when their party commanded every corner of state government. Even Republicans long friends of the lenders supported the reforms.

Speer’s fight with loanees may have died down, but it’s by no means over. A little-noticed mid-May settlement of a federal lawsuit filed more than three years ago by Speer’s organization and two law firms, Kelly Guzzo of Fairfax and Consumer Litigation Associates of Newport News, says as much. .

Under the settlement, 550,000 borrowers here and in other states won’t have to pay $489 million in illegal internet-based payday loans for which they were charged 600% interest. Most borrowers will split $450 million in cash repayments. An additional $39 million is for those who paid illegal amounts to lenders.

People also read…

Despite their checkered track record, Virginia was open to payday lenders — they’re so called because they provide a cash advance against a borrower’s salary — during a pro Democrat’s 2002-2006 gubernatorial term. -company, Mark Warner, now a US senator who has since cooled off in the industry.

Warner signed the legislation sent to him by a Republican-controlled General Assembly even as his top aides pressed him to reject it. One of them threatened to resign in protest. Warner’s successor, fellow Democrat Tim Kaine, not a fan of lenders, tried in vain to negotiate reforms acceptable to the industry and its opponents.

A 2009 attempt to limit the frequency of lending — it was spearheaded by several senior House Republicans and a white-shoe law firm with close ties to the GOP — drove out some lenders. To stay open in Virginia, many revamped their business model, operating under a provision of state law that allowed them to charge higher interest rates.

Over the next few years there would be other – unsuccessful – efforts to bring the lenders to heel. The industry’s footprint in Virginia expanded in 2011, when the state sanctioned car title lending under which a borrower risks losing their motor vehicle if a loan is not paid. . At the time, Republicans held the Legislative Assembly and the office of governor.

Finally, in 2020, with Democrats in full control of the state house for the first time in nearly 30 years, Virginia passed sweeping protections under the Fairness in Lending Act. The measure has generated bipartisan support that lobbyists on both sides attribute to legislative fatigue over years of fighting.

At times the debate was theatrical, overshadowing larger and lingering issues: that traditional financial institutions – banks and credit unions – then showed little interest in small loans, viewing them as risky and unprofitable. Additionally, competition among payday lenders for a seemingly captive audience was limited because their high-cost products were similar.

Lenders were blocking public hearings with credit union workers who had been bussed to Richmond, many of them from Hampton Roads, where there were many stores. Rebuking lenders as loan sharks, an enemy of the industry—a moving company executive who tried to pay off an employee’s five-figure debt—sometimes showed up in, you guessed it, a suit of shark.

Although it took effect in 2021, the law capped interest and fees on payday and car title loans and locked in the interest rate on consumer purchases paid over time at 36%. time. The law also created safeguards against online payday lenders based in other states or, like those in the May settlement, operated by sovereign Native American tribes shielded from many laws.

The Pew Charitable Trusts reports that Virginia — where lenders have worked their will through well-placed lobbyists and, since Speer’s arrival two decades ago, with millions of dollars in donations to lawmakers — is the one of four states since 2010 to adopt broad protections for payday borrowers while guaranteeing access to credit. The others are Colorado, Ohio and Hawaii.

“In these states, lenders are cost-effectively offering small loans that are repaid in affordable installments and cost four times less than typical one-time payment payday loans that borrowers must repay in full on their next payday,” Pew said. in an April survey of all 32 states. who authorize payday loans.

Among Virginia’s neighbors, Washington, DC, Maryland, North Carolina and West Virginia ban payday loans, according to the Consumer Federation of America, a consumer advocacy and research group. Loans are legal in Kentucky.

The impact of Virginia’s new law on lenders is still unclear, though Pew says it would likely mean fewer payday stores. The State Corporation Commission’s Office of Financial Institutions is expected to produce a first overview of the legislature this month.

A consequence of the reform: possible competition between banks for small borrowers. Personal finance website NerdWallet says low-interest, low-dollar loans are expected to be offered by national companies such as Bank of America, Wells Fargo and Truist. Could this be a magnet for cash-strapped, inflation-worried customers?

It’s all part of a larger overhaul of a facet of consumer finance that in Virginia has long been described as big business exploiting the little man. Heck, they aren’t even called payday loans anymore. By law, these are short-term loans.

Contact Jeff E. Schapiro at (804) 649-6814 or [email protected] Follow him on Facebook and on Twitter, @RTDSchapiro.

James Maxwell confirms Rangers exit as he bids farewell and ‘excited to see what’s next’

James Maxwell has confirmed his departure from Rangers.

The young left-back spent last season on loan at Queen of the South and impressed.

He then spent this term at Ayr United but was always going to struggle to break into the Gers first team.

Maxwell, 20, is wanted by Partick Thistle and Hamilton Accies and could still find a club this summer.

But he admits he’s ready to move on and is excited about the prospect of a new challenge.

Taking to social media, Maxwell wrote: “Thank you @RangersFC for everything, I’ve met lifelong friends and had so many great experiences.

“Excited to see what happens next,” with a love heart emoji.

Maxwell has played 37 times for the Honest Men this season and has nearly 70 appearances to his name in just two campaigns.

He scored six goals for Ayr and five for Queen’s.

Under Steven Gerrard, the youngster trained with the Light Blues first team and traveled with them more than once in pre-season.

Get all the latest Scottish football news and headlines straight to your inbox daily by signing up to our free newsletter.

From the Premiership to League Two, Champions League and Europa Conference League, we’ve got every blade of grass covered.

Expect this bulletin after 5 p.m. daily, collecting the most important stories of the day.

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Crash Probe: Make the Wave

A close friend of mine, also a pilot, likes to fly low enough to see various ground features, as a long cross-country flight in IMC not only bores him, but can apparently elevate all anxieties. I understand and I always take advantage of this view when I can. But I also agree with the maxim expressed on one of those humorous “rules of the air” plaques that pilots often sell as gifts to hang on the wall. The “rule” that applies here is the warning to stay “in mid-air” and not to get too close to its edges.

In this case, “edges” can refer to terrain and structures, where collisions may occur, but also to the limits of the aircraft’s performance envelope. At first glance, the “rule” is nonsense, but when you think about it a bit more, it’s not a bad way to fly an aircraft. Staying away from things that can bite us is good policy.

This is therefore the case when we might be tempted to fly close to the terrain during other take-offs and landings. The accident record is littered with stories of pilots who thought buzzing a girlfriend’s house or flying under a bridge was a good idea, to the point where it wasn’t. The trick is that even a relatively slow plane is usually faster than the car we drove to the airport, and flying low and/or close to objects rewards us with a sense of speed that we rarely experience in a car and which is not present at altitude. Getting up close to objects or terrain features and observing them from the air is something non-pilots can’t do, and for many it’s one of the reasons they fly.

It goes without saying, however, that the closer we get to objects or stationary terrain, the riskier the operation. There’s a reason we practice take-offs and landings, and it’s not just about being able to use the plane again. Here’s an admittedly extreme example of what can happen as we get closer to the pitch.

Background

On January 25, 2019, at 2:59 p.m. PT, a Rockwell International Commander 112A was destroyed when it impacted terrain near the summit of Mount Hood, Oregon. The solo private pilot (male, 63) was fatally injured. Visual conditions prevailed at nearby observation sites.

Thanks to his frequent impromptu flights, the pilot’s wife did not report him missing for two days. Using cell phone forensics and an ELT signal, the wreckage was located on the eastern slopes of Mount Hood four days after the crash. Due to the nature of the accident site and the threat of avalanches, a detailed on-site examination could not be carried out. The plane was never recovered.

Fragmented sections of the aircraft were spread out along a 70 degree slope on the northeast flank of Mount Hood. The first identifiable point of impact was at approximately 9700 feet MSL. Debris and skid marks in the snow extended toward the main wreckage, which was at approximately 8,700 feet and included the crashed fuselage, fragments of the left wing, and the entire right wing. The engine and horizontal stabilizer were approximately 200 feet below the main wreckage, with the lowest wreckage located at approximately 8,000 feet MSL.

Investigation

Radar data indicates that the aircraft approached Mount Hood from the north at a reported Mode C altitude of approximately 10,000 feet MSL. It then followed a six-mile-wide counter-clockwise orbit around the 11,239-foot summit. The plane then began to approach the summit as it rolled on a westerly heading, turned north for a minute, then turned back west, continuing the orbit. By this time it had reached its highest elevation of 11,900 feet, about 1.5 miles north of the summit of Mount Hood.

The aircraft’s path around the mountain passed about 1500 feet from the summit horizontally as it passed to the west. When it reached the south face, it began to descend rapidly, with the last two radar targets indicating a vertical speed of about 2500 fpm. The last radar target was recorded at 1459:09 at 9600 feet MSL, approximately 400 feet northwest of the point of impact.

Upper winds forecast for Portland, Oregon, about 47 miles northwest of the crash site, projected a northerly flow; 31 knots at 9,000 feet MSL and 34 knots at 12,000 feet.

A more detailed analysis – a simulation of the Weather Research and Forecasting (WRF) model – indicated a rapid change in wind speeds near the crash site, with speeds ranging from 20 knots to 48 knots over one kilometer . Vertical speed data indicated that when the aircraft made its first pass south of Mount Hood, the flight path was in a location of updrafts between 100 and 300 fpm. By the time the aircraft made its second pass closer to the south, the flight path was in a location with downdrafts above 2000 fpm.

Further analysis revealed that around the time of the crash, updraft and downdraft conditions were rapidly changing between 8,500 and 14,500 feet directly above and within two kilometers horizontally of Mount Hood.

At its maximum gross weight of 2650 lbs. and with the landing gear and flaps retracted, the rate of climb from 112 to 12,000 feet MSL with an outside temperature of -4 degrees C would have been approximately 220 fpm.

Toxicology tests revealed levels of oxycodone in the pilot’s blood considered debilitating, as well as the stimulant modafinil, suggesting the pilot was also trying to combat fatigue.

probable cause

The NTSB determined that the probable cause(s) of this accident included: “The pilot’s decision to fly the aircraft in close proximity to mountainous terrain in an area of ​​mountain wave activity that exceeded performance capabilities from the plane. The pilot’s degraded decision-making and performance due to his use of several sedating and debilitating drugs contributed to the accident.

According to the NTSB, “there was no evidence to suggest the pilot obtained an official weather briefing before the flight. Had he done so, he would have been made aware of the wind conditions aloft, which indicated the likelihood of terrain-induced turbulence near the mountain.

The NTSB added: “Given that several of the implicated drugs sedate or debilitate both individually and in combination, the pilot would most likely have experienced reduced decision-making ability, increased reaction times, and impaired motor skills. Thus, it is likely that the use of these drugs contributed to the accident.


Mountainous

An FAA publication, “Tips on Mountain Flying” (FAA-P-8740-60), published in 1999, is a succinct account of the various factors that mountainous terrain can impose. It summarizes relevant material from other FAA manuals and publications. Here are some highlights related to this accident:

mountain waves

“When the wind speed is above about 25 knots and flows perpendicular to the ridgelines, the airflow can form waves, much like water flowing over rocks in a stream bed. Waves form downwind from the crest line and will consist of very strong updrafts and downdrafts as well as dangerous rotor action below the wave crests. of moisture, lenticular clouds can form to give a visual indication of wave action.

Winds aloft

“Wind aloft reports are very important to your mountain flight planning process. You should pay particular attention to forecasts at and above the mountain ridges of the terrain you will be flying over. In the west, this usually means the forecast at 9,000 and 12,000 ft. To the east you will see lighter winds. Winds above 25 knots at these levels should be a warning sign that should make you think about delaying your trip. .


Rockwell Commander 112A Aircraft Profile

No crashed aircraft. Image: Alexander Markin

OEM engine: Lycoming IO-360-C1D6

Unloaded weight: 1691 pounds.

Maximum gross take-off weight: 2650 pounds.

Typical cruising speed: 140 knots

Standard fuel capacity: 48 gallon

Service cap: 13,900 feet

Interval: 569 nautical miles

VS0: 54 KCAS


This article originally appeared in the January 2022 issue of Air safety magazine.

For more content like this, to subscribe to Air safety!

Investigation of claims of EU settlement program paperwork delays

Undated file photo of a crowd of people (Isabel Infantes/PA)

An investigation has been launched into allegations of delays by the Home Office in providing EU citizens with the documents needed to work and access basic services in the UK after Brexit.

The Independent Monitoring Authority (IMA) – the watchdog set up to watch over the rights of EU citizens in Britain – said it had opened the investigation after receiving a “number of complaints” from people who were left waiting for documents after applying for the EU settlement scheme. (EUS).

Candidates are supposed to receive a certificate “immediately” which serves as proof of their candidacy and proof of their rights so that they can work, rent or access benefits while the Home Office considers their application for leave to work. living in the UK now freedom of movement with Europe has ended.

Since last year, we have received numerous reports of people losing their jobs, housing, access to health care, etc.

le3million

The investigation will seek to establish whether the department has “met its obligation” to provide application certificates immediately and assess whether any incidents could constitute a breach of the Withdrawal Agreement as well as examine the impact on those who have been delayed.

The IMA, which has the power to take legal action against the government, is expected to interview officials and review policies and processes adopted by the Home Office as part of the investigation.

Chief executive Kathryn Chamberlain said the watchdog recognized ‘the potential impact this important issue could have on people’s lives and their rights’ but warned the investigation ‘will not lead to results. overnight,” as she urged people to provide information by August 8.

Campaign group the3million said it had been warning about the “problem with serious implications” for some time.

In a statement on Twitter, the group said: “Since last year we have received numerous reports of people losing their jobs, housing, access to health care, etc.

“Proof of your candidacy is essential for living in the UK. This is so important that the Withdrawal Agreement requires them to be issued immediately once you submit your request. Despite this, the UK is slow to issue certificates, which causes so many problems for people.

The Home Office said it would work with the IMA on the investigation and review its report when completed.

A spokeswoman added: “The EU settlement program has been a resounding success, with more than 5.8 million status grants.

“We have been working as quickly as possible to ensure that those with valid claims receive their claim certificate which they can rely on to demonstrate their rights.”

Balfour Beatty Communities and ENGIE complete energy upgrades for over 1,000 homes in Fort Eustis and Fort Story – News

News Lists

June 06, 2022

Army Base Housing Energy Retrofit Project Improves Resident Experience, Reduces Carbon Emissions and Generates Energy Savings to Fund Future Improvements

Balfour Beatty Communities, a national residential real estate investment and management company, and ENGIE Services US, a subsidiary of ENGIE North America and a leading provider of low-carbon energy and services, recently completed over $12 million in energy efficiency upgrades to over 1,000 homes in Fort Eustis and Fort Story, Virginia.

The project, which has leveraged private capital, brings modernized fixtures and systems to homes, reducing energy consumption and streamlining related maintenance services while continuing to improve the living experience of military families; another example of the benefits realized through the Military Housing Privatization Initiative.

Mark Lavin, Executive Vice President of Balfour Beatty Communities, said, “We are proud to have completed this project, which improves critical systems in military family homes at Fort Eustis and Fort Story.

“Our work with ENGIE makes these military housing communities more resilient and generates utility savings that will be used to further improve these homes as part of our long-term reinvestment effort.”

The project delivered turnkey energy and water efficiency improvements through a self-funded energy savings performance contract, including:

  • 77,000 energy efficient lighting and fixture upgrades
  • 475 high efficiency heat pump systems
  • 995 smart home thermostats
  • 1,500 bathroom hygrostats
  • Water conservation fixtures, including 4,500 faucet aerators in bathrooms and kitchens, 2,700 low-flow toilets and 1,800 showerheads
  • More than 900 homes received building envelope waterproofing updates, including energy-efficient drain plugs, among other improvements

New HVAC systems reduce the carbon footprint of Balfour Beatty housing facilities while making homes more comfortable to live in, reducing mechanical breakdowns and standardizing equipment across the portfolio to reduce operating costs and of maintenance. These improvements are expected to reduce residential consumption by approximately 3,286,588 kWh/year of electricity, 857 CCF/year of natural gas and 21,284,200 gal/year of water.

Brad Boerger, Vice President of Business Development at ENGIE, said: “This project helps improve the living conditions of our military families while supporting President Biden’s executive order to address the climate crisis in the country and to the stranger. Simultaneously, we were able to support the Army’s climate strategy by reducing greenhouse gas emissions at Fort Eustis and Fort Story by more than 2,000 metric tons.

Working with the U.S. military, Balfour Beatty builds sustainability and resilience with projects that enhance its military housing communities. The ESPC initiative also supports the Department of Defense’s goal of providing 100 percent of the energy load required by every U.S. military installation by 2030 through investments in sustainability initiatives such as energy-efficient housing and power generation. ‘renewable energy.

Balfour Beatty and ENGIE continue to expand the ESPC initiative with several new projects in Balfour Beatty Communities’ military housing portfolio at various stages of assessment, approval and implementation.

ENDS

Media inquiries to:
maureen omrod
610-355-8136
[email protected]

All non-media related inquiries should be directed to +44 (0)20 7216 6800 or [email protected]

Notes to editors:

  • Balfour Beatty is a leading international infrastructure group with 24,500 employees who drive the delivery of powerful new solutions, shape thinking, create horizons and inspire a new generation of talent to be the changemakers of tomorrow.
  • We finance, develop, build, maintain and operate the increasingly complex and critical infrastructure that supports national economies and delivers projects at the heart of local communities.
  • Over the past 113 years, we’ve created iconic buildings and infrastructure around the world, including: the £1.5 billion A14 Improvement Program – Britain’s largest road project; the world-class HK$5.5 billion Hong Kong Harbor Theater Project for the West Kowloon Cultural District Authority; and the $429 million 12.5-mile North Metro Commuter Rail line in Colorado, USA.

About Balfour Beatty Communities:

  • Balfour Beatty Communities is an active owner and operator of residential real estate in the multifamily, student and military housing sectors across the United States. Since its inception in 1999, Balfour Beatty Communities has invested in nearly 100 properties representing over $7.9 billion in gross asset value. Our extensive in-house expertise includes decades of property/facility acquisition, development, financing, renovation, leasing and management experience. Leveraging this extensive expertise and a customer service-focused approach, Balfour Beatty Communities seeks to create value in its real estate projects while providing exceptional living experiences. For more information, visit www.balfourbeattycommunities.com.
  • Balfour Beatty Communities is a subsidiary of Balfour Beatty Investments, Inc. and Balfour Beatty plc, a leading international infrastructure group.

About ENGIE North America:

  • Based in Houston, Texas, ENGIE North America Inc. is a regional hub of ENGIE, a global leader in low-carbon energy and services. ENGIE (ENGI), is listed on the Paris and Brussels stock exchanges. Together with our 170,000 employees worldwide, our customers, partners and stakeholders, we are committed to accelerating the transition to a carbon neutral world, through reduced energy consumption and more environmentally friendly solutions. Inspired by our purpose, we reconcile economic performance and positive impact on people and the planet, relying on our key businesses (gas, renewable energies, services) to offer competitive solutions to our customers. In North America, ENGIE helps customers achieve their energy efficiency, reliability and ultimately sustainability goals as we work together to shape a sustainable future. We achieve this through: energy efficiency projects, energy supply (including renewable energy and natural gas) and the development, construction and operation of renewable energy assets (wind, solar , storage, etc).

Caley Thistle legend Ross Tokely identifies FIVE areas boss Billy Dodds needs to strengthen this summer





Caley Thistle legend Ross Tokely identifies FIVE areas boss Billy Dodds needs to strengthen this summer



































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Inverness, Badenoch and Strathspey Citizens Advice Bureau celebrates Volunteer Week

Simon Clark and Sandra Hogg, CAB Volunteer Advisors.

Inverness, Badenoch and Strathspey Citizens Advice Bureau (CAB) celebrated the role played by its volunteers.

On the occasion of Volunteer Week, the organization thanked its workers, saying they are “worth their weight in gold”.

Volunteers are a key part of the service which provides free, impartial and confidential advice on financial matters and other issues that people may face in life.

Chief Executive Alasdair Christie said: “It’s Volunteer Week, so I want to say a big thank you to our wonderful volunteers who are currently working here alongside our team of paid staff. They are worth their weight in gold and we couldn’t run the CAB without them.

“Every day, our counselors help people deal with issues ranging from debt and money issues to housing, employment and consumer issues. There are important things we can do for people, like check if they are entitled to extra income that they are unaware of, or maybe reduce their debts by talking to creditors, or advising them on their rights in terms of wages or benefits”.

Sandra Hogg, who has been volunteering for a year, said, “I love volunteering here. There is a great team atmosphere and the work is extremely varied and rewarding. You can change people’s lives and help people right here in our community. ”

Volunteer Week runs from June 1-7.


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Dafydd Iwan’s superb painting of the former Wales keeper

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That’s when Dafydd Iwan’s moving classic “Yma O Hyd” came to life.

Now former Wales goalkeeper Owain Fôn Williams has captured the touching moment when the singer sang his anthem at the Cardiff City Stadium

The recently retired stopper, who was a member of Wales’ Euro 2016 squad, is also a notable artist – famous for his paintings, many of which depict memorable moments in Welsh football history.

In his last painting, Owain dedicates his work to Dafydd Iwan whom he describes as one of his heroes.

Prints of the painting and many other Welsh football themed artworks can be purchased from his website.

The former professional footballer who played for Stockport County, Tranmere Rovers, Inverness Caledonian Thistle and Dunfermline Athletic and is currently the USL League One goalkeeping coach for Northern Colorado Hailstorm FC, has always had a passion for the art.

“I used to draw and color my favorite goalie gloves when I was a kid, then growing up I started more complex pieces using different mediums,” he said. “When I paint, it’s an escape from the daily demands of being a footballer. I’m able to clear my mind and step into my own world for a while…often hours.

“Having left home at the age of 16, art has kept me in touch with the culture and history of my home, Dyffryn Nantlle, Wales.

“I am inspired by the generations of my family who worked in the hardships of slate quarries and their bond of brotherhood which created a community. I am proud of my Welsh roots and identity and hope that my pride is reflected in my work.

To view and purchase Owain’s work, visit his official website HERE


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Viveve Medical: Filing of the report in progress

false000087968200008796822022-05-312022-05-31

UNITED STATES

SAFETY AND EXCHANGES COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to section 13 or 15(d)

of the Securities Exchange Act of 1934

Report date (date of first reported event): May 31, 2022

VIVEVE MEDICAL, INC.

(Exact name of the declarant as specified in its charter)

Delaware

1-11388

04-3153858

(State or other jurisdiction

of incorporation)

(Commission

File number)

(IRS Employer

ID number.)

345 South Inverness Drive, Building B, Suite 250

Englewood, Colorado

80112

(Address of main executive offices)

(Postal code)

Incumbents phone number, including area code (720) 696-8100

Not applicable

(Former name or address, if changed since last report)

Check the appropriate box below if the filing of Form 8-K is intended to concurrently satisfy the filer’s filing obligation under any of the following provisions:

Written communications pursuant to Rule 425 of the Securities Act (17 CFR 230.425)

Solicit material in accordance with Rule 14a-12 of the Exchange Act (17 CFR 240.14a-12)

Pre-opening communications pursuant to Rule 14d-2(b) of the Exchange Act (17 CFR 240.14d-2(b))

Pre-opening communications pursuant to Rule 13e-4(c) of the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol(s)

Name of each exchange listed on

Ordinary actions

LIVE

NASDAQ Capital market

Indicate with a check mark whether the registrant is an emerging growth company within the meaning of Rule 405 of the Securities Act of 1933 (§ 230.405 of this Chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b- 2 of this chapter).

Emerging growing business

If the company is an emerging growth company, indicate with a check mark whether the registrant has elected not to use the extended transition period to comply with new or revised financial accounting standards under the section 13(a) of the Exchange Act. ☐

Item 3.01. Notice of deregistration or non-compliance with a rule or standard for maintaining registration; Registration transfer.

On May 31, 2022, Viveve Medical, Inc. (the “Company”) received a letter (the “Notice”) from the Nasdaq Stock Market (“Nasdaq”) advising the Company that during the 30 consecutive trading days preceding the date of Note that the bid price for the Company’s common stock closed below the minimum $1.00 per share required to continue to be listed on the Nasdaq Capital Market pursuant to Nasdaq listing rule 5550(a)( 1) (the “Minimum Bid Price Requirement”). The Notice has no effect on the trading of the Company’s common stock at this time, and the Company’s common stock continues to trade on the Nasdaq Capital Market under the symbol “VIVE”.

Pursuant to Nasdaq Listing Rule 5810(c)(3)(A), the Company has an initial period of 180 calendar days, or until November 28, 2022 (the “Compliance Date”), to regain compliance. with the Minimum Bid Price Requirement. If, at any time prior to the Compliance Date, the closing bid price of the Company’s common stock is at least $1.00 for at least 10 consecutive trading days, Staff will provide the Company with written confirmation of the compliance with the minimum bid price requirement.

If the Company fails to comply again with the Minimum Bid Price Requirement on the Compliance Date, under Nasdaq Listing Rule 5810(c)(3)(A)(ii) if, as of the compliance date, the company is in compliance with the market value of the publicly held stock requirement for continued listing as well as all other standards for the initial listing of its common stock on the market of Nasdaq Capital (other than the offering price requirement), the Company may be eligible for additional time if the Company also provides written notice to Nasdaq of its intention to cure the deficiency during a second compliance period (by reverse stock split if necessary), after which the Nasdaq may grant the Company an additional 180 days to again comply with the minimum offering price requirement. If the Company fails to comply again with the Minimum Bid Price Requirement on the Compliance Date (or such Compliance Date which may be extended), the ordinary shares of the Company will be subject to a radiation.

The Company intends to monitor the closing bid price of its Common Shares and may, if appropriate, consider implementing available options to restore compliance with the minimum bid price requirement under the Rules of Nasdaq listing.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the duly authorized undersigned.

VIVEVE MEDICAL, INC.

Date: June 3, 2022

By:

/s/ Scott Durbin

Scott Durbin

Chief executive officer

When does Hearts return for pre-season? Key dates, friendly fixtures and training plans

Hearts had a brilliant season and secured European football until Christmas.

Robbie Neilson’s men have a Europa League play-off on their agenda for later this summer.

But even if they fail, they will go straight to the Europa Conference League group stage.

And so the Jambos will be determined to maximize their pre-season preparations as they consider a run in Europe and again aim for at least a third place in the league.

This means Hearts players who have been lucky enough to go on holiday since the end of last season will need to be fresh and ready to go on day one.

While those on international duty will hardly have time to rest before getting back into the rhythm of things.

soccer scotland has all the information you need about Tynecastle club projects.

Where are the Hearts going for the pre-season?

The Jambos have yet to officially announce their plans, but are expected to travel to the Marbella region of Spain for a week-long training camp at the end of this month.

It remains to be seen if they will play any friendlies during their stay in southern Spain.

Hearts are also said to be trying to arrange friendlies in England in early July, but these have yet to be confirmed.

What friendlies have Hearts scheduled?

Following their return from Spain, the Jambos have announced that they will face East Fife on Tuesday July 5.

The friendly game will serve as a double testimonial for Kevin Smith, with a 7 p.m. kick-off in pencil.

All other pre-season friendlies for the first team have yet to be confirmed.



Craig Gordon is on international duty with Scotland

Which Hearts players are on international duty?

Craig Gordon is currently on an international trip with Scotland but his World Cup hopes were dashed by the national team’s 3-1 loss to Ukraine.

However, he and the team will now aim to bounce back in the upcoming Nations League games against Armenia, Ireland and Armenia again.

Nathaniel Atkinson is in Australia’s squad for their World Cup qualifier showdown with the United Arab Emirates and was an unused substitute in their friendly win over Jordan.

When does the Premiership cinch season start?

Hearts will find out their schedule for the season when the SPFL matches are released on Friday, June 17 at 9 a.m.

What we do know is that the Scottish Premiership campaign kicks off on the weekend of July 30/31.

Get all the latest Scottish football news and headlines straight to your inbox daily by signing up to our free newsletter.

From the Premiership to League Two, Champions League and Europa Conference League, we’ve got every blade of grass covered.

Expect this bulletin after 5 p.m. daily, collecting the most important stories of the day.

To sign up, click here to access our newsletter preference center.

5 Best Online Payday Loans – Online Payday Loans Same Day Deposit & No Rejection Payday Loans Direct Lenders in 2022


Online payday loans are the solution to almost any type of financial lock-up. Whether you need money to redecorate the spare bedroom, buy an expensive birthday present, or pay for an expensive car repair, online payday loans can provide you with the cash you need. Many Americans have experienced the financial flexibility offered by online payday loans, and if you’re looking for financial relief, you can too.

Loan search services such as Viva Payday Loans give borrowers quick access to lenders offering the best payday loans online. With so many online payday loan providers, it can be difficult to choose the right one. This article features the top five direct online payday loan seekers on the market, putting you in direct contact with lenders.

Best online payday loans 2022 – a quick overview

What are the best online payday loans? See our top 5 below:

  • Viva Payday Loans – Best payday loans for fast payments
  • Heart Paydays – Best for No Disclaimer Payday Loans, Direct Lenders Only
  • Credit Clock – Best Online Payday Loans With Fast Approval Process
  • Money Lender Squad – Best for $255 payday loans online same day
  • Very Merry Loans – Best online payday loans with same day deposit

Best General Eligibility Criteria for Online Payday Loans

Borrowers must meet the following criteria to obtain payday loans online.

  • Must be 18 years or older
  • Must hold US residency
  • Must earn a minimum of $1,000 per month
  • Must pass accessibility checks
  • Must have a US bank account

If you have bad credit, you can still apply for the best payday loans online through Viva Payday Loans if you meet the criteria above. While none of the loan finder sites do credit checks on your name directly, lenders offering financing might.

Five Best Online Payday Loans: Same Day Deposit for Bad Credit

1. Viva Payday Loans – Best Payday Loans for Fast Payments

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Viva Payday Loans is known for its fast turnaround time, providing access to lenders who offer the best payday loans online in the shortest possible time. To be a successful applicant, you must meet the above loan criteria and pass affordability checks. Once the loan is approved, the funds are disbursed to the borrower within an hour. Interest rates range from 5.99% to 35.99%, depending on the lender.

Advantages

  • Repayment terms from 2 to 24 months
  • Loan values ​​up to $5,000
  • Fast payments within 60 minutes of loan approval

The inconvenients

  • High interest rates up to 35.99%

Click here to request funds from Viva Payday Loans >

2. Heart Paydays – Best for No Disclaimer Payday Loans Only for Direct Lenders

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Borrowers with bad FICO scores or no credit history can apply for the best online payday loans for bad credit through the Heart Paydays portal and still stand a chance of getting the money they need if they are currently in an excellent financial situation. When using this loan finder service, borrowers are tempted to be matched with direct no-disclaimer lenders only who are most likely to view their financial situation favorably. Loan amounts range from $100 to $5,000 with APRs of 5.99% to 35.99% and 2 to 24 months to pay off.

Advantages

  • Simple eligibility requirements
  • Almost instantaneous request feedback in 2 minutes
  • Flexible repayment terms

The inconvenients

3. Credit Clock – Best Online Payday Loans for Fast Approval Process

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When the best online payday loans are needed in a hurry, time seems to fly without giving you a second to catch your breath. This is where Credit Clock comes to the rescue with lenders that offer fast approval processes and even faster payments.

Credit Clock connects borrowers and lenders with the click of a button. Lenders through Credit Clock offer borrowers affordable loan amounts from $100 to $5,000 for 2 to 24 months. Interest rates range from 5.99% to 35.99%, which may seem high but may be worth the convenience, fast loan approvals and quick repayments. Check if you meet the loan criteria above and apply today!

Advantages

  • Fast payments
  • The easy online application process
  • Affordable Loans

The inconvenients

  • Interest rate up to 35.99%

4. Money Lender Squad – Best for $255 Same Day Online Payday Loans

700xall-(2)Projector wire

Money Lender Squad gives borrowers direct access to lenders without the usual hassle of traditional financial institutions. Their loan finder service helps borrowers apply for the best direct online payday loans online with a single application.

The process is simple and requires borrowers to enter their details, choose their loan amount and repayment period, and the best payday loans online appear in minutes. Online payday loans through lenders on the Money Lender Squad portal range from $100 to $5,000 with APRs of 5.99% to 35.99% and 2 to 24 months to pay off!

Advantages

  • The fast online application process
  • Offers $255 payday loans online and same day deposit
  • Loan amounts up to $5,000

The inconvenients

  • Not all requests are guaranteed to be approved

5. Very Merry Loans – Best Online Payday Loans with Same Day Deposit

700xall-(5)Projector wire

If you don’t need a large loan, the best online payday loans are available through the Very Merry Loans portal lenders. Loan amounts are kept small to keep them affordable, and APRs typically range from 5.99% to 35.99%. Additionally, lenders on the Very Merry Loans platform are known to pay on the same day as loan approval, giving borrowers access to seemingly instant cash. If you meet the general loan criteria mentioned above, you can easily apply for some of the best payday loans online through lenders on the Very Merry Loans platform.

Advantages

  • Same day payments
  • Flexible loan terms
  • Quick online application in 2 minutes

The inconvenients

  • Loan amounts capped at $2,000

Best Online Payday Loans Same Day Features and Considerations

Credit checks

Most online payday loans through US-based lenders are subject to credit checking by law. No credit check, instant approval. However, if you have a bad FICO score but your financial situation has improved, you can still apply online for the best payday loans.

Affordability

Affordability is key when applying for the best payday loans online. When processing your application, lenders will do an affordability check, such as comparing your bank account to expenses and pay stubs.

Penalties

Your loan agreement will specify the penalties and fees associated with your loans. Therefore, it is best to familiarize yourself with the terms of the loan agreement to avoid paying early or late repayment fees.

Conclusion

Online payday loans are an excellent form of financing for those who need funds quickly. They give you the flexibility you need between now and your next payday if you find yourself in a difficult financial situation.

FAQs

What are the best and easiest payday loans to get same day?

Online payday loans are fast, simple and convenient. First, borrowers complete a simple online application that connects them to a panel of lenders. From there, lenders assess the borrower’s affordability and, if they can afford the loan, funds are usually disbursed the same day.

What is the highest payday loan to get?

Online payday lenders offer loans between $100 and $5,000. Depending on the lender, APRs can range from 5.99% to 35.99% with the providers mentioned above. However, most lenders offer flexible repayment terms of 2-12 months or 2-24 months.

What are the best online payday loans?

Borrowers asking about the best payday loans online can use a range of loan search platforms such as Viva Payday Loans to find the best loan for them. Loan finder services simultaneously connect the borrower to a wide range of lenders. This means they are more likely to get a loan because multiple lenders have assessed their applications.

Disclaimer – The above content is not editorial, and Economic Times hereby disclaims all warranties, express or implied, in connection therewith, and does not necessarily warrant, guarantee or endorse any content. The loan websites reviewed are loan matching services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan. This article does not provide financial advice. Please seek the assistance of a financial advisor if you need financial assistance. Loans available only to US residents.

Infrastructure is key to achieving sustainable economic growth in the thriving Highlands and Islands

Grant Campbell, the SCDI man up north.

I had the pleasure of joining a number of our regional committee members on a recent visit to the port of Kishorn, where we were treated to an in-depth tour of the impressive facilities and a presentation of future development plans. ‘expansion.

As well as continued support for the aquaculture industry, the Port of Kishorn will undoubtedly be a key location to support the energy transition through fabrication, decommissioning and operation and maintenance of future offshore projects.

It is estimated that in this small corner of the Applecross Peninsula, up to 1000 skilled jobs could be created with a future labor pipeline spanning decades.

But despite significant investment in port infrastructure by the owners of KPL and with the Scottish Salmon Company investing tens of millions of pounds in their new facilities next door, rural infrastructure and skills shortages continue to be the greatest challenges for those companies that are committed to large-scale local investments.

Across the Highlands and Islands, if we are to achieve sustainable economic growth with thriving rural communities at the heart of it, we need to ensure that key infrastructure such as transport links, utilities, digital connectivity, housing and education are in place for businesses. who choose to invest in and help attract and retain qualified people to live and work in local areas.

Our clubs of young engineers and scientists have been supporting the needs of industry for over 30 years and it is STEM outreach to primary and secondary school children in our communities that will inspire them to join the traditional and emerging industries that will be part of of the future economy for generations to come.

SCDI is working with the Scottish Government and will publish a report for the Business Purpose Commission next month.

This will look at how Scotland can help encourage, nurture and support worthwhile businesses in the county’s diverse economy and geography. Our aim is to help promote the creativity and ingenuity which have contributed greatly to social development in Scotland and which will play a key role in economic recovery.


Do you want to react to this article ? If yes, click here to submit your thoughts and they may be published in print.

Inverness carer struck off after abusing ‘position of power’





Inverness carer struck off after abusing ‘position of power’



































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University union calls for end to ‘dangerous assaults’ on humanities

The Union of Universities and Colleges has called on Education Secretary Nadhim Zahawi to reverse 50% funding cuts to Arts and Creative Subjects (AP)

The universities union has called on the government to act now to end a ‘dangerous attack’ on arts and humanities education.

The Union of Universities and Colleges wrote to Education Secretary Nadhim Zahawi on Wednesday urging him to reverse the Student Office’s 50% cuts in funding for arts and creative subjects.

In the letter from UCU General Secretary Jo Grady, the union expresses ‘serious concern’ over a ‘new wave’ of layoffs and course closures at UK universities, citing recent announcements from the University of Montfort, University of Roehampton and University of Wolverhampton on dismissals, most of which are based on arts and humanities subjects.

UCU said under current plans 242 academics would lose their jobs at De Montfort and Roehampton, while at Wolverhampton 146 courses would be cut, most of which relate to performing arts, fashion, social sciences, interior decoration and the fine arts.

Ms Grady described the plans as a ‘dangerous assault’ on higher education that would hurt careers and limit students’ choices.

She added that universities had helped widen access to working-class students and accused vice-chancellors of embracing the government’s ‘reductive agenda’, which aims to ‘fuel a bonfire in supply of arts and humanities”.

Ms Grady also criticized the “frequent public attacks on so-called ‘low-value’ courses” and said proposals to introduce student number controls for certain courses risked restricting access to the arts to a ” small elite.

The proposed minimum entry requirements for student loans were also an attempt to “suppress the aspirations of working-class students”, she said.

Speaking to the UCU conference on Wednesday, Ms Grady said: ‘I don’t think there has been a more difficult time to work and campaign in higher and higher education in the UK United.

“But judging by the evidence from the last year, our members, our union, are more than ready to fight.”

A spokesman for the Department for Education said: ‘The Government continues to support our world-class higher education sector with an additional £750million in funding for universities over the next three years and beyond. more 18-year-olds from disadvantaged backgrounds going to college than ever before.

“We are bolstering creative education by offering a £10m boost to the world’s leading specialist providers in 2021-22, including over 10 specialist arts providers, with a further £5m planned for 2022-23. This funding will help improve the diversity and quality of the creative education offer available to students.

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 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.

Tips

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.

New laws and more affordable lenders could shake up the payday loan market

Inflation has particularly affected people who are already struggling to fit gas in their tanks and groceries in their refrigerators. For many, a payday loan may seem like the only way to get the money needed.

In recent years, however, as more states impose restrictions on risky short-term lending, new lenders have emerged offering small, lower-cost loans, making it easier than ever before to find a loan. an affordable loan that won’t drag you into unmanageable debt. .

In some states, new laws mean better loans

There is currently no federal law for maximum interest rates on small dollar loans; instead, states decide whether to cap payday loan rates. Therefore, the cost to borrow a few hundred dollars often depends on where you live.

In recent years, four states — Colorado, Hawaii, Ohio and Virginia — have passed laws that effectively reduce the cost of small loans and give borrowers longer repayment terms. A study by The Pew Charitable Trusts published in April found that even under the reforms, payday lenders were still operating, but with more secure loans.

Also Read: More US Subprime Borrowers Are Missing Their Loans

Although some new lenders began doing business in these states once the laws took effect, the main impact was that existing payday lenders consolidated their storefronts and made their loans more affordable, says Alex Horowitz, director of research at Pew.

National banks and local credit unions step in

A bank or credit union may not have been your go-to for a small loan in the past, but it could be today.

Seven major banks have started offering or announced plans to offer small-dollar borrowing options with low annual percentage rates in recent years, Horowitz says, including Bank of America BAC,
+0.96%,
Wells Fargo WFC,
+0.35%
and Truist TFC,
+0.86%.
These loans are available to existing bank customers nationwide, regardless of state interest rate limits.

Banks primarily rely on customers’ bank history rather than their credit scores to determine if they qualify for a small loan. The loans – which start from $100 – are usually repaid in monthly installments at annual interest rates no higher than 36%, the maximum rate an affordable loan can have, according to consumer advocates.

“The fact that banks start offering small loans could disrupt the whole payday loan market,” says Horowitz.

Local credit unions have membership requirements and maintain lower profiles than payday lenders, so they’re often overlooked by people who need cash fast, says Paul Dionne, director of research at Filene, a think tank that focuses on helping credit unions serve their communities.

But if you can walk to your local credit union, chances are you’ll qualify for membership, he says.

This is because credit unions often serve people who live or work in their communities. These organizations are working to provide financial inclusion by tailoring their products, like loans, to better meet the needs of their customers, Dionne says.

“Credit unions are getting better at having the best product and not saying no and figuring out what’s the best fit for that person coming in,” he says.

Lily: CFPB closes payday lender it calls venture capital ‘darling’

Other Borrowing Options

Even in states where laws seek to ban payday loans altogether, people can find alternatives to risky borrowingsays Charla Rios, researcher on small-value loans and debt at the Center for Responsible Lending.

You may be able to work out a payment plan with your utility company or borrow from a friend or family member, she says. Here are some borrowing options to consider before getting a payday loan.

Payday advance. Some companies, including Walmart WMT,
+0.70%
and Amazon AMZN,
+3.92%,
allow their employees to access a portion of their paycheck earlier as benefits. It can be an interest-free way to borrow money if your employer offers it, but since the repayment comes from your next paycheck, it’s best to use it sparingly.

Cash advance applications. Apps like Earnin and Dave let you borrow a small amount of money, usually $25 to $200, before payday. They sometimes charge a fee for instant access to your money or ask for voluntary tips. They also take reimbursement from your next paycheck.

“Buy now, pay later.” For necessary expenses, a “buy now, pay later” loan allows you to purchase an item with partial payment only. You pay the balance in equal installments, usually over the next six weeks. This type of financing can be interest-free if you pay the full balance on time.

Low interest installment loans. Depending on your credit score and income, you may qualify for an installment loan with an APR below 36%. These loans have amounts ranging from $1,000 to $100,000 and are repaid over longer terms, usually two to seven years. Online lenders who often offer loans for bad credit prequalify you for a loan using a soft credit pull, which allows you to compare loans without affecting your credit score.

More from NerdWallet

Annie Millerbernd writes for NerdWallet. Email: [email protected]

MPs call for end to higher tuition fees for Hong Kong students

Hong Kong students have to pay £22,831 a year more than domestic students for university fees (David Cheskin/PA)

A group of MPs have called for an end to higher tuition fees for Hong Kong students, calling it a “barrier to opportunity”.

In a letter published in The Times, MPs said the UK National (Overseas) visa, which allows Hong Kongers to live and work in the UK, “has been a great success”.

But they added that “higher education rules create an unnecessary barrier to opportunity, since BNO visa holders are not eligible for living expenses status until they have lived in the UK. United for five years”.

The letter says BNO visa holders therefore face much higher fees than their UK counterparts, while being ineligible for student loans, and adds that the exceptional status given to Ukrainian students should be extended to Hong Kong students. .

I fear this may impact my freedom of choice and options regarding placement and level of study

Audrey, sixth former in Wales who left Hong Kong

Under the current system, Hong Kong students have to pay £22,831 a year more than domestic students for university fees.

The letter was signed by MPs from all political stripes, including Steve Baker, Robert Buckland, Nus Ghani, Damian Green, Paul Blomfield, Rupa Huq and Liam Byrne.

Government data released last week revealed that 113,742 people from Hong Kong had been granted BNO visas to the UK since the scheme opened on January 31, 2021.

If the rules were changed, those on a BNO visa would pay the same as domestic students and those with refugee status – no more than £9,250 a year for ongoing undergraduate courses – while at Currently, they must reside in the UK for five years before they can access loan funding.

Audrey, a sixth-former from South Wales who moved to the UK from Hong Kong with her parents under the scheme, said: ‘As well as dealing with cultural differences and adjusting to moving and s settling in the UK… – eligibility for local university fees and student loans will affect my chances of advancing in my studies for the future. »

She added that while she appreciated that her A-level studies were free, not being able to access university funding made her worry about how her family would support her through her higher studies.

“I’m afraid this will influence my freedom of choice and options regarding placement and level of study,” Audrey said.

She added that her parents ‘work hard and pay tax in the UK’ but she is not eligible for household costs, while if she can access financial support her family may be able to achieve his wish to settle in the UK and buy a house here.

We should not penalize young people in Hong Kong with high international fees, which would put university out of reach for many

Sunder Katwala, UK future think tank

Sunder Katwala, director of integration think tank British Future, said: “Britain has done the right thing in welcoming new arrivals from Hong Kong. Arriving families are here to stay and want to build new lives and careers in Britain. Like all of us, they want the best for their children.

“We should not penalize young people in Hong Kong with high international fees, which would put university out of reach for many. It’s their home now and they should be treated like homeschoolers.

The BNO program will be expanded from October 2022 to include adults born after 1997 with at least one BNO parent.

Jack Nicklaus No. 1, but Tom Weiskopf and John Cook deserve recognition

Muirfield Village Golf Club and its most famous member are all the rage this week as the Memorial Tournament and its host Jack Nicklaus hit the PGA Tour track in Dublin.

About 40 miles south, a public golf course less renowned for decades also shared a connection with Ohio golf royalty. Cooks Creek, which ceased golf operations in 2021, was run by the Cook family, of which John Cook is the most decorated member.

Cook was born in Toledo, raised in Mansfield and Akron until age 10, then moved to California with his family. He returned to Buckeye State to play golf at Ohio State, where he helped win the 1979 National Championship.

“I’m proud to be an Ohioan,” said Cook, who lives in Scottsdale, Arizona. “No matter where I lived — in (USC) Trojan Nation and then Florida Gator Nation — I was a Buckeye activist. Now, in Sun Devil Nation, I’m still an activist Buckeye. My golf bag is still gray and my head is covered in scarlet.

The diehard Buckeye is also proud to be among the top 10 Ohio-born golfers not named Nicklaus.

“I’m really honored because it’s a really strong roster,” Cook said.

In effect. This is also my list, which means it’s subjective, but objectively speaking, I think the 10 golfers are the right choices. If there is a quibble, whether it is on the order of classification; disagreement is what makes these lists fun.

Golf: Tickets for the Memorial Tournament are still available. Here are the places where you can find them

Golf: Who’s playing in next week’s Memorial Tournament? Here is the current list of golfers

Golf: Nothing like late hole heroics to take your breath away during the Memorial Tournament

Golf: From Jack Nicklaus to Patrick Cantley, here are the past winners of the Memorial Tournament

Now let’s get down to business.

1.Tom Weiskopf

Born in Massillon, the 79-year-old Ohioan is best known today as a golf course architect (Double Eagle in Galena ranks among his best), but in the 1970s he was one of the best players in the world .

Weiskopf, who like Nicklaus and Cook played for Ohio State, won 16 PGA Tour titles between 1968 and 1982, including the 1973 Open Championship at Royal Troon. He was also a four-time Masters runner-up and tied for second at the 1976 US Open.

Weiskopf struggled in the shadow of Nicklaus, who finished off a hit from him and Johnny Miller at the 1975 Masters, but Northeast Ohio got the better of the Golden Bear at the Omnium 1975 Canadian Championship, where he scored a one-hole playoff victory. . Weiskopf also played on two Ryder Cup teams.

Golf: Going to Muirfield for the Memorial Tournament? Here’s what golf fans need to know

Known for much of his career on the tour as “The Towering Inferno” for his temperament on the course, Weiskopf then mellowed on the Champions Tour, where in 1995 he won the US Senior Open.

“Most people are soft,” he said after winning the Senior Open. “I wish I had that attitude 20 years ago.”

2. Dow Finsterwald

Born in Athens, the 92-year-old with the unusual first name won 11 tour titles between 1955 and 1963, including the 1958 PGA Championship at Llanerch Country Club near Philadelphia. Finsterwald, who lives in Colorado Springs, Colorado, won the first PGA Championship held in stroke play, beating Billy Casper by two strokes. The year before, in 1957, Finsterwald had finished second the last time the championship was in match play. He played on four Ryder Cup teams, serving as a non-playing captain for Team USA in 1977.

3. Denny Shute

Born in Cleveland, Shutte won three major championships in the 1930s: 1933 Open Championship and 1936-37 PGA Championships, becoming the last player to win back-to-back PGA Championships until Tiger Woods did so in 1999-2000. He also played in three Ruder Cup teams. .

4. Gay Brewer

Born in Middletown and raised in Lexington, Kentucky, Brewer won 10 times on the tour, including the 1967 Masters, which he called “the greatest thrill I’ve had in golf,” and competed in the 1967 Ryder Cup.

Brewer, who died in 2007, was known for his jovial personality, but it burned him to lose the 1966 Masters to Nicklaus in an 18-hole playoff that also included Tommy Jacobs. Brewer arrived at the 72nd hole with a one-stroke lead, needing just a par to win but three putts to bogey and create Monday’s playoff.

In 1967, Brewer set the tour record for the lowest 54-hole total (191) played on the same par 72 course.

5. John Cook

‘Cookie’ has never won a major – missing a 2½-foot birdie putt on the 71st hole of the 1992 Open Championship that likely would have won the Claret Jug that still gnaws at him – but that’s the only regret on its dashboard.

“I look back and feel very fortunate and fortunate,” he said. “My career is what it is. I never packed it.

Rather the opposite. Cook has won three of his 11 tour victories in the playoffs, including winning the 1983 Canadian Open by a stroke over Johnny Miller. His longevity was also impressive, spreading his 11 wins over 20 seasons. He finished runner-up twice in major tournaments and appeared in the 1993 Ryder Cup.

Cook, 64, has 21 professional wins, but two of his proudest moments were winning the 1979 US Amateur and helping Ohio State win the national title.

“I’m really proud of that,” he said of the NCAA title. “That’s why you go to college, to compete. That’s why I went to Ohio State and played with Coach (Jim) Brown. In 1977, we got closer. In 1978 we were ranked #1 all year and spitting horribly. Then in 1979 we said, “OK, it’s our time” and we took it down. Really, what a thrill.

6. Jason Dufner

The 45-year-old creator of ‘Dufnering’ – a slouched sitting position that became a viral social media meme – was born in Cleveland and lived there until he was 11, when he moved in Washington, DC, then in South Florida. The 2017 Memorial Tournament winner burst onto the Tour scene with a second-place finish at the 2011 PGA Championship, then became a media sensation by winning the 2013 PGA Championship at Oak Hill in Rochester, New York.

Dufner has five tour wins and five top-five finishes in major tournaments. He played in the 2012 Ryder Cup and the 2013 Presidents Cup. He rose to No. 6 in the world and has been playing on tour since 2009.

7. Melvin “Chick” Harbert

Match play competition was more common before 1958, and the Dayton-born Harbert was dangerous in the head-to-head format, especially at the PGA Championship, where he compiled a 24-10 record.

Herbert, who died in 1992, won seven times on tour, including the 1954 PGA Championship at Keller Golf Club near St. Paul, Minnesota. He had 11 top-10 finishes in the majors and played on two Ryder Cup teams, including as captain in 1955.

8. Ben Curtis

Perhaps no other Ohio-born golfer has shocked the world quite like Curtis, who came out of nowhere to win the 2003 Open Championship at Royal St. George’s 300-1. .

Curtis, 45, grew up in Ostrander playing Mill Creek Golf Club. He attended Buckeye Valley and then Kent State, where as a college golfer he joined John Cook, Arnold Palmer and Frank Stranahan as the only players to win the Ohio Amateur in consecutive years.

But the biggest prize came in England, where Curtis became the first golfer since Francis Ouimet at the 1913 US Open to win a major championship debut. He won the Open Championship by a stroke over Thomas Bjorn and Vijay Singh in the last two hours which saw names such as Tiger Woods and Davis Love III falter. But not Curtis, who was the only player to finish under par (-1).

Good enough for a stranger.

“I didn’t even know if (Curtis) was American or not,” Fred Couples admitted afterwards.

Curtis, who lives near Hudson, Ohio, finished his career with four wins on the tour and had four top-10 finishes at the majors, including a second at the 2008 PGA Championship.

9. Frank Stranahan

Known as “The Toledo Strongman”, Stranahan did not follow the usual path to golf stardom. He first rose to prominence as a weightlifter, ranking No. 1 in his weight class in powerlifting from 1945 to 1954.

Stranahan, who died in 2013, received golf lessons from Byron Nelson, who was Inverness’ Toledo pro. From there he won back-to-back Ohio Amateurs (1941-42) and rose to fame winning the 1948 and 1950 British Amateur, which at the time was considered a major championship. He finished second in the 1947 Masters, the 1953 Open Championship and the 1950 US Amateur.

10. Tom Nieporte

The former Ohio State-Cincinnati golfer won the NCAA championship in 1951, then turned pro in 1953 and played full-time on tour for five years, winning three events. His biggest victory came in 1967 at the Bob Hope Desert Classic. Nieporte, who died in 2014, had his best result in a major tournament (T5) at the 1964 PGA Championship.

[email protected]

@rollerCD

Jim Beam column: Payday loan bill must be vetoed – American Press

From time to time, Louisiana lawmakers have come to the aid of those who make so-called payday loans. Sen. Rick Ward, R-Port Allen, is this year’s champion with Senate Bill 381.

Legislation that was narrowly passed by both houses would cap finance charges at 100% of the original loan amount. That means lenders could charge up to $1,500 in fees on a $1,500 loan, for a total repayment of $3,000, according to The Advocate.

The senator said his “Louisiana Access to Credit Loans Act” would help state residents living on a paycheck make ends meet when faced with surprisingly large expenses.

Under current law, lenders can offer a loan of up to $350, due on the borrower’s next payday. The maximum the lender can make per loan is $55. Ward’s bill does not change that.

Ward sponsored another payday loan bill in 2018. It stated that the loan term could not be less than three months and could not exceed 12 months. The amount of the loan could not be less than $500 and could not exceed $875. The bill passed the Senate 20-17 but died in the House Commerce Committee.

I wrote in a June 3, 1999 column about a Bossier City woman who got one of these loans. She needed $200 for an emergency out-of-town trip and took out a two-week loan. The maximum they lent at that time was $201 and it had to be paid back in 14 days.

When a customer borrowed that $201, they had to leave a check for $246 to cover the principal and $15 in interest. The other $30 was for documentation and set-up costs. That’s an annual interest rate of over 580 percent.

“It was a little high,” the borrower said, “but when you need it, you need it.”

The Associated Press reported that there were about 30 payday loan companies in the state in 1992. This number grew to 455 in 1998 and 489 by the end of 1999.

Foster Campbell, a current member of the Louisiana Civil Service Commission, was a state senator in 1999. He said, “We’ve had 500 of these companies open since 1992 and none of them have failed. . I have never heard of such statistics. But the reason why they didn’t is because they deceive people by charging outrageous interest rates.

OK, back to Ward’s bill which passed the House 54-35, one vote more than the 53 needed. The Senate vote was 20 to 14, the exact majority he needed.

Republican senses Mark Abraham of Lake Charles and Mike Reese of Leesville voted for Ward’s bill. Sen. Jeremy Stine, R-Lake Charles, voted against. Sen. Heather Cloud, R-Turkey Creek, was recorded as absent.

GOP Representatives Ryan Bourriaque of Grand Lake, Dewith Carrier of Oakdale, Troy Romero of Jennings and Phillip Tarver of Lake Charles voted for the bill. Representatives Wilford Carter, D-Lake Charles; Charles Owen, R-Rosepine, and Rodney Schamerhorn, R-Hornbeck, voted against. Representative Brett Geymann, R-Moss Bluff, was recorded as an absentee.

The bill now awaits action by Governor John Bel Edwards. Lenders would make most of their money through monthly maintenance fees of up to 13% of the original loan amount.

Alex Horowitz, consumer credit researcher at The Pew Charitable Trusts, told The Advocate he had never seen such high fees. He said the bill would expose Louisiana consumers to financial harm, rather than creating an affordable loan market. Horowitz said seven of the nation’s 12 largest banks have launched or announced programs to provide small dollar loans to customers.

Kenneth Pickering twice served as Louisiana’s chief banking regulator. He said he had no idea what the maintenance fee even covers. “Once a loan is on the books, there’s nothing left to maintain,” he said. Pickering calls it more interest.

Stanley Dameron, Commissioner of the Office of Financial Institutions, said: “Some of the people applying for these loans might not qualify from your bank, but they certainly would from a credit union or finance company. “

Pelican State Credit Union’s Jessica Sharon told lawmakers that credit unions were explicitly created to help people of modest means.

Even an official from a state association that represents payday lenders said Ward’s new product was unnecessary. He said the loans are already available in Louisiana at a fraction of the cost. “It’s greed and arrogance at the highest level,” he said.

Ward’s bill is certainly a strong candidate for a gubernatorial veto.

St Johnstone star Callum Hendry is a target for Chelsea legend Jimmy Floyd Hasselbaink at Burton Albion

CALLUM HENDRY is the target of Burton Albion manager Jimmy Floyd Hasselbaink.

The former Dutch striker was impressed with hitman Hendry’s form at St Johnstone.

1

Saints striker Callum Hendry

And he is keen to lure the 24-year-old south to the League One club this summer.

Hendry is also wanted by new Fleetwood Town gaffer Scott Brown, who raided McDiarmid Park to sign full-back Shaun Rooney this week.

The wanted striker is out of contract and heading for a return to England. Hendry was with his father Colin’s club, Blackburn Rovers, but struggled with injuries before relaunching his career in Scotland.

The striker has scored 14 goals this season between loan club Kilmarnock and Saints.

Rangers place ex-England goalkeeper Jack Butland on transfer shortlist
Hibs plotting summer clash for ex-Hearts striker

He scored a crucial goal in the play-off win over Inverness helping provide top-flight safety for the Perth side.

Perth boss Callum Davidson is resigned to losing Hendry as interest mounts.

The Saints have offered the striker a new deal but he is set to reject it and move elsewhere.

It’s a massive turnaround for Hendry, who spent the first half of the season on loan at Killie.

Meanwhile, Rangers are keeping an eye on former England goalkeeper Jack Butland.

Ibrox manager Giovanni van Bronckhorst has the nine-capped Crystal Palace goalkeeper on a shortlist to be his new No.1, with 40-year-old Allan McGregor set to retire.

The 29-year-old Eagles’ future is in doubt after two seasons as a substitute for Spaniard Vincente Guaita.

I'm a barista and I took a step towards a cute customer, his response left me speechless
I'm a tattoo artist and I have a split tongue - it's illegal but easily hidden

Butland, who has a year left on his contract, has made just 17 appearances since his £1million move from Stoke City in 2020.

Promoted Bournemouth are also interested but it is believed a move north could hinge on Rangers’ success in the Champions League qualifiers.

Keep up to date with ALL the latest news and transfers on the Scottish Sun football page

Inverness nanny rated ‘very good’ by Care Inspectorate





Inverness nanny rated ‘very good’ by Care Inspectorate


































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15 of the World’s Best One-Week Road Trips

Swakopmund • Skeleton Coast NP • Windhoek • Sossusvlei (approx. 1,100 km)

The road: Sweeping the wreck-strewn flats of the Namibian coast is one of the world’s most iconic routes, but be warned: it can get quite similar. So try to discover more than just the coast, starting in Swakopmund before descending into the dunes of Sossusvlei via the country’s charming colonial capital, Windhoek.

Where to stop: Take time out of Swakopmund to wander its Germanic streets and promenades, or explore the dunes near Walvis Bay. North of the city, the Coastal Road (C34) runs 440km to Mowe Bay, but it’s enough to taste. With only a handful of branch lines en route, head west to Hentiesbaai, after detouring north to Cape Cross, where a vast reserve of Cape fur seals can be spotted in winter (November-December).

From there, head to the Central Highlands to explore the hilltop setting of colonial Windhoek, a five-hour drive from the coast. Finally, descend to the towering red dunes of Sossusvlei (via the C24/C14), where you can either climb ‘Big Daddy’ (its highest dune at 325m) or drive the salt pans. Along the way, stop at the peaceful Naukluft Mountain Zebra Park for scenic camping and some 200 species of birds scattered along its cool mountain trails.

Make a detour ? North of Windhoek, the B1 road passes Etosha NP, home to black rhinos and lions, and Waterberg Plateau NP, which sits on the slopes of Table Mountain. Return to the capital via the escarpments and baked valleys of Damaraland, with a taste of the northern Skeleton Coast.

Are home equity loans affordable?

There are several ways to reach your goal when it comes to paying for big-ticket items like home repairs, education, investments, or vacation properties. If you’re a homeowner, your home equity can be the golden ticket to achieving your goals. But with a home equity loan, there are costs in the form of origination fees, appraisals and interest. Are home equity loans affordable?

Key points to remember

  • Home equity loans use your primary residence as collateral for a lump sum loan that is repaid on a fixed payment schedule.
  • Home equity loan interest rates are tied to mortgage rates.
  • Home equity interest rates are significantly lower than credit card interest rates and provide flexibility for borrowers.

What is a home equity loan?

Simply put, a home equity loan is a lump sum loan using your primary residence as collateral. As you make mortgage payments on your home, you accumulate equity. If the value of your home increases due to market trends, your net worth also increases.

A home equity loan is a very flexible tool – repayment terms vary from 5 to 30 years with fixed interest rates and payments. And since the loan is repaid in a lump sum, you can use it for anything you want, including home renovations, paying off higher-interest debt, or funding education.

But a home equity loan is not without cost. Since a home equity loan is a second mortgage, the fees and application process are very similar. Fees vary by lender, but generally include an appraisal fee to quantify how much equity you have, as well as origination fees which may consist of registration fees, documentation fees, etc.

Home equity loans also earn interest. Home equity loan rates are usually a bit higher than traditional mortgage interest rates. This is to protect the lender in the event of default. If you fail to make payments on your home loan or main mortgage, your home could be taken and sold by the lender to recoup its costs. In this situation, the primary mortgage is paid off first, with the excess proceeds going to the home equity loan.

Point

While home equity loans and home equity lines of credit both leverage the value of your home, home equity loans have fixed interest rates. When interest rates are volatile, a fixed rate can save money.

Are home equity loans affordable?

Affordability is a very subjective term. Home equity loans are unequivocally affordable compared to other forms of financing for large amounts, such as credit card cash advances or payday loans. Since their interest rates are fixed for the term of the loan, it should be easy to judge whether your payments are manageable on your current budget.

When it comes to similar products, a home equity line of credit (HELOC) is the closest option. Compared to a HELOC, which also uses the equity in your home as collateral, a home equity loan has the potential to be more affordable. Typically, HELOCs have adjustable interest rates. While this can be an advantage when rates are low, when rates rise borrowers may find the revolving line of credit more expensive than a home equity loan.

What can I use a home equity loan for?

You can use a home equity loan on anything. Since it is paid in a lump sum, your lender has no control over how the funds are used. But while you can use the cash on anything, it would be wise to use it on something with a bit of a return. Using funds for improvements that increase the value of your home would be safer than using them on vacation.

Are interest rates on home equity rising?

2022 has proven to be a volatile year for mortgage rates, and they have almost doubled since last year. But while rates have gone up, they still don’t come close to the interest charged on most consumer credit cards. A home equity loan remains a more affordable way to finance projects for amounts that cannot be repaid quickly.

How much does it cost to apply for a home equity loan?

Closing costs vary from lender to lender. Some lenders may waive certain fees as a benefit, but generally you will pay for an appraisal, origination fee, document preparation fee, credit report fee, and title search. Typically, closing costs will be between 2% and 5% of your home equity loan amount. Many lenders will build these costs into your loan repayment to avoid upfront fees.

How much can I borrow on a home equity loan?

The total amount of your loan depends on the equity in your home. Most lenders will only allow you to borrow up to 80% of your total capital.

The essential

Home equity loans are flexible tools that allow homeowners to borrow large sums. With rates typically a little higher than mortgage rates but significantly lower than credit card rates, they provide affordable access to cash. Although mortgage rates are rising, they are still low enough to make a home equity loan attractive to the average homeowner.

Reassurance needed about long-term cost of living pressures, says Scotland’s Finance Secretary Kate Forbes following Rishi Sunak’s announcement

Scottish Finance Secretary Kate Forbes.

Scottish Finance Secretary Kate Forbes has welcomed the short-term action to help struggling households announced by the Chancellor of the Exchequer today.

But she warned that more support is needed for households and businesses as the cost of living crisis deepens.

Following appeals from the Scottish Government, the UK Government has taken action to ensure that cash grants, rather than loans, are given to those on the lowest incomes.

Ms Forbes also cautiously welcomed the decision to introduce a windfall tax on energy companies with large profits, but said it means Scottish industry is disproportionately funding interventions across the UK.

Responding to Chancellor Rishi Sunak’s statement, Ms Forbes said UK ministers should have acted sooner and gone further to provide more support that would have real long-term impact, including following the lead of the Scottish Government in doubling the Scottish children’s payment to £20. per week – which is due to rise to £25 from the end of 2022, helping to lift around 20,000 children out of poverty in 2023.

“Many households will be relieved to see the support announced late today, but we still need a long-term solution to the cost of living crisis and assurances that the UK government will tackle the long-term inequalities rather than providing one-off crises support,” she said.

“Rather than listening to our plea for a comprehensive funding package that fully responds to the unprecedented rise in the cost of living and uses the full £30billion fiscal space, this piecemeal approach makes it very likely that ‘Additional support will be needed later when energy prices rise significantly in the fall.

“There is also a severe lack of support for businesses – many of them are still struggling to recover from the pandemic and are now facing crippling increases in energy costs and the adverse effects of Brexit on supply chains and the labor market.

“Without urgent economic support, there is a real risk that the UK economy could head into recession.

“Inflation is at its highest level in 40 years and the UK government’s failure to fully invest in raising incomes, tackling inequality and strengthening economic competitiveness will only risk pushing households to take on more debt and fall into poverty.

“The UK government has almost £30bn of fiscal space, spending just half of that during a cost of living crisis doesn’t go far enough, especially when an extra £5bn of tax on windfall profits will be increased.

“The introduction of a windfall profit tax is a start, but as a stand-alone measure it means Scottish industry bears the brunt of UK-wide interventions.

“Last year’s scrapping of the £20 Universal Credit increase was a hammer blow to beleaguered families and the Chancellor’s failure to restore it and increase it to £25 only weighs a disproportionate burden on the shoulders of those who need help the most.

“The statement was also quiet and worrying about public sector wages without follow-on funding, when the lowest wages need urgent insurance in the face of rising inflation.

“The refusal to reverse the National Insurance increase put in place in April and temporarily suspend VAT on household energy bills will also cost families hundreds of pounds a year at a time when their budgets are n have never been so tight.

“The Scottish Government has already taken action to support people, communities and businesses as much as possible, with almost £770m a year invested in cost of living support.

“We have increased eight Scottish benefits by six per cent, closer to the rate of inflation, and introduced a range of family benefits not available elsewhere in the UK.”

Welcome to the cost of living package announced by the Chancellor


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Lightwave Logic will host the annual

ENGLEWOOD, Colo., May 17, 2022 /PRNewswire/ — Lightwave Logic, Inc. (NASDAQ: LWLG), a technology platform company leveraging its proprietary electro-optical (EO) polymers to transmit data at higher speeds with less power, will host its annual meeting of shareholders 10:00 a.m. Mountain Time ThursdayMay 26, 2022 at Hilton Denver Inverness in Englewood, Colorado.

Annual meeting of shareholders
When: Thursday May 262022 Time: 10:00 a.m. Mountain Daylight Time Location: Hilton Denver Inverness – Conference A, 200 Inverness Dr W, Englewood, CO 80112
Presentation webcast: https://viavid.webcasts.com/starthere.jsp?ei=1544482&tp_key=3c8d96d340

For those unable to attend the meeting in person and watch CEO Dr. by Michael Lebby A company update presentation, live webcast and recording – including both the audio presentation and the slides – will be made available at the webcast link above and on the the society.

Investors who wish to submit questions for consideration during the Q&A session following the presentation prepared by Dr. Lebby may submit them to MZ Group at [email protected].

About Lightwave Logic, Inc.
Lightwave Logic, Inc. (NASDAQ: LWLG) is developing a platform that leverages its proprietary electro-optical (EO) polymers to transmit data at higher speeds with less power. The company’s high-activity, high-stability organic polymers enable Lightwave Logic to create next-generation EO photonic devices, which convert data from electrical signals to optical signals, for applications in the data communications and telecommunications markets. . For more information, please visit the company’s website at lightwavelogic.com.

Safe Harbor Statement Information in this release may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. You can identify such statements by the words “may”, “will”, “should”, “plans”, “explore ‘, ‘plans’, ‘anticipates’, ‘continues’, ‘estimates’, ‘plans’, ‘intends’ and similar expressions. Forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from those projected or anticipated. These risks and uncertainties include, but are not limited to, lack of available financing; general economic and commercial conditions; competition from third parties; the intellectual property rights of third parties; regulatory constraints ; changes in technology and marketing methods; delays in the completion of various engineering and manufacturing programs; changes in customer ordering habits; changes in product range; success in technological advances and the delivery of technological innovations; component shortages; production delays due to performance quality issues with outsourced components; the events and factors that we describe in Section 1.A “Risk Factors” of our most recent Forms 10-K and 10-Q; other risks to which our company is subject; other factors beyond the company’s control.

Contact with Investor Relations:
Greg Falesnik or Luke Zimmerman
MZ Group – MZ North America
949-259-4987
[email protected]
www.mzgroup.us

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SOURCELightwave Logic, Inc.

Public consultation event held at the Drumossie Hotel in Inverness on an 80 home development project by Kirkwood Homes in the city

Allan Rae, Lands Manager of Kirkwood Homes, speaking at the consultation event at the Drumossie Hotel in Inverness.

Members of the public had the chance to see the plans and have their say on a housing development in Inverness this afternoon.

Kirkwood Homes hopes to build 80 new homes, 20 of which would be classified as affordable, on a site 255m south of the Drumossie Hotel where a public consultation took place this afternoon.

The site already has planning permission since 2015 for mixed tourist use, but the owner has not yet developed it.

Allan Rae, Kirkwood Land Manager, said: ‘The site has a higher capacity, but we are trying to keep it at a reasonable density.

An artist's impression of what Drumossie's development would look like.
An artist’s impression of what Drumossie’s development would look like.

The properties would be a mix of three-bedroom semi-detached and detached houses, four-bedroom detached houses and five-bedroom detached houses.

Mr Rae said the development had been designed to be similar to neighboring properties and added: ‘It is quite well self-contained.

Springfield Homes Homes is currently developing a site nearby and a planning application has been submitted for a site next to this development.

Mr Rae said there would be two online consultation sessions tomorrow and another on June 29.

The developer hopes to submit a planning application to Highland Council by mid-August.

• For more information, visit the consultation website.


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Danny Devine says the future remains with Inverness Caledonian Thistle – and says the club are well placed to launch a fresh league bid next season after Premiership play-off disappointment

Danny Devine says he intends to make the Inverness Caledonian Thistle squad next season – and believes they can do better in their quest for promotion.

Devine played 82 minutes as Caley Thistle lost 4-0 in the second leg of the play-off final at St Johnstone on Monday night, with ICT seeing their dream of top-flight football slip away for another season.

Question marks remain over how Inverness will shape up next season – with Kirk Broadfoot announcing he will leave the club this summer, more players out of contract and three loans coming due.

Kirk Broadfoot is leaving Caley Thistle – but Danny Devine says he won’t follow. Photo: Ken MacPherson

Devine is one of those players whose contract is due to expire this summer, but he revealed after the full-time whistle in Perth that an extension was imminent.

“I have an extension which I am discussing with the club,” he said.

“Hopefully we sort this all out in the next few days and then we can look forward to next season.

“It’s tough right now after losing, but we have to look at the positives from the last six games and how well we’ve done.

“We looked down and out at times – at Arbroath, scoring a goal in Partick Thistle’s opener – but the team showed character to come back.

“If we show that same character and that same desire again next year, with a bit more quality, then hopefully we do next year.”

A disappointing evening in Perth

The loss to St Johnstone will sting for some time as the Caley Jags take a break for the off-season.

Devine was left behind by the quick nature of the Perth side’s opening two goals, both of which came within 10 minutes of the second half kicking off.

“Obviously we’re bitterly disappointed,” Devine explained.

Danny Devine couldn't prevent ICT from losing 4-0 in the second leg of the Premiership play-off final.  Photo: Ken MacPherson
Danny Devine couldn’t prevent ICT from losing 4-0 in the second leg of the Premiership play-off final. Photo: Ken MacPherson

“We had a great chance going into this game, and in the end it didn’t work out for us.

“I thought in the first half we gave a very good image of ourselves and maybe we could have scored a few.

“The first goal we lost was sloppy, maybe a bit lucky, and the second goal kills us.

“They scored the first goal, and the second came pretty soon after.

“It was a huge chance for them, and we didn’t have time to react – so they won the game.

“It obviously gave them a boost and gave the crowd a boost, and we fought against that after that.

“The boys have made a brilliant change, playing a lot of games in such a short time, but that doesn’t take away from the fact that we are very disappointed.”

A game too far?

Had Inverness managed to secure a win, they would have made history as the first team to finish third or fourth in the Championship to gain promotion through the play-offs.

It’s been a bumpy ride for Caley Thistle, who has played six games in just over three weeks in the playoffs, and they’ve faced their fair share of trials and tribulations.

Shaun Rooney scored against his former club in both legs of the play-off final.  Photo: Ken MacPherson
Shaun Rooney scored against his former club in both legs of the play-off final. Photo: Ken MacPherson

Injuries to Tom Walsh and Shane Sutherland hampered selection, as did suspensions for Devine himself and Wallace Duffy for the first leg of the final.

Adversity wasn’t hard to come by on the pitch either, with an unlikely penalty shoot-out triumph over Arbroath briefly reduced to eight men followed by a 2-0 comeback against St Johnstone in the first leg of the final.

None of this, however, shook ICT’s confidence heading into the second leg, with the team believing they could pull off an unlikely promotion until the end.

“I think the result probably indicates it was (one game too far), but we were more than confident going into the game,” Devine added.

“We were ready, and I think the first half showed that. We gave a very good image of ourselves and maybe we could have taken the lead at half time.

“That first goal was crucial, and in the end they got it.

“It’s football. It’s a tough question, but the boys kept going until the end.”


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Gove tells housing association ‘deep disappointment’ over failed complaints

Housing Secretary Michael Gove said the situation was ‘extremely worrying’ (Andrew Matthews/PA)

The Housing Secretary has told England’s largest council housing landlord he is ‘deeply disappointed’ after inquiries revealed failings in his handling of complaints about problems with leaks, dampness, mold and pest control.

Michael Gove said Clarion Housing Association should lead by example, but it had failed to meet basic standards for its tenants.

It follows two recent reports by the housing ombudsman which found “serious maladministration” in the handling of complaints by the housing association.

Earlier in May, the ombudsman identified “significant flaws” in the way he responded to a complaint from a vulnerable tenant who went for months without water and had problems with damp, mold and of rodents.

And last month the ombudsman slammed the group for their ‘repeated failure’ to respond to complaints from another resident after she reported a leaky roof, dampness, mold and cracks in inside his property.

Mr Gove said it was ‘extremely worrying’ to see two serious cases in quick succession.

The latest case involved a tenant, named Ms. K, who experienced delays of more than 15 months in the landlord taking charge of repairs following reports of leaks, dampness, mold and a rodent infestation.

The inquest found she was without hot or cold water for days and months at a stretch, although she found no evidence that she had made contemporaneous reports to the landlord about these periods.

I am deeply disappointed that as one of the largest social housing landlords, who should lead by example, you have not been able to meet the basic standards for your tenants

Housing Secretary Michael Gove

In early 2021, she reported sleeping on her couch due to mice and feces in almost every room, he said.

The owner has taken steps to recognize and offer compensation for its shortcomings.

But the ombudsman said there had been serious maladministration in handling the landlord’s complaints, communicating and addressing Ms K’s vulnerabilities.

The ombudsman is investigating further as he deals with other cases involving similar issues “which may be a sign of repeated failures”.

In a letter to the group shared by Mr Gove on Twitter on Monday, he wrote: ‘No one should have to live in a house with these conditions – and it shouldn’t take years to fix.

“I am deeply disappointed that as one of the largest social housing landlords, who should lead by example, you have not been able to meet the fundamental standards for your tenants.”

We haven’t made all the right decisions as an organization, but we’re making good progress and recently posted a detailed update on the actions we’ve taken to significantly improve our service.

Clare Miller, Clarion Housing Group

He added: “I intend to take a personal and direct interest in your association’s approach to housing conditions, engagement with residents and vulnerable complainants in particular.”

In response, Clare Miller, managing director of Clarion Housing Group, said she will “never shirk our responsibility to provide and maintain good quality housing”.

She said: “We haven’t made all the right decisions as an organization but we are making good progress and recently posted a detailed update on the steps we have taken to significantly improve our service.

“There is no quick fix to the housing crisis and the UK has one of the oldest housing stocks in the world.

“As a charity, we will continue to do all we can to meet this challenge and we hope the government will work with us on our common goals.”

Citrus North explained the different types of loans offered by Canada

The subject of interest rates can be an extremely difficult subject to grasp, especially for people unfamiliar with the regulations and rules that govern lending in Canada. Understanding the concept of interest rates is not something you can master on your own. Here is a brief description of the different types of loans.

1. Payday Loans

The payday loan can be between two weeks and two weeks to a month. You can withdraw up to $1,500, but the balance owing is due when your next paycheck is due, so you’ll need to pay on time. In the event that a loan to pay a breakdown cannot be repaid, the borrower has the option of taking out another one or placing it in overdraft on his account until his next payday.

If you are looking for particular areas, you can search for “payday loans in Kamloops” and review the regulations that apply to the specific area. These loans are characterized by high interest rates, usually around $25 per $100 borrowed.

There are, however, cheaper options to use. Some loans offer reduced interest rates when you make a direct deposit or a pre-authorized transfer to the credit card. Payday loan companies that offer the service online, such as CitrusNorth: Instant Approval.

2. Line of credit loans

Unsecured line of credit also called credit loan is a form of overdraft that can be used to pay specific fees. For example, in the event that, for example, you are traveling and have additional expenses associated with your travel plans, these can be paid for through lines of credit or lines of credit.

This is also known as credit loans. The procedure is simple. You can withdraw the amount you want and pay interest until the credit is fully repaid.

If you are looking to get more money, it is possible. There is no limit to the amount you can spend. However, there are some limitations. Some people are not eligible to receive these loans because they are credit loans.

If the credit score is not excellent, chances are you will be refused. Lines of credit are generally not as expensive as payday loans, but they are still dependent on credit rating.

3. Student loans

If you have just graduated or, in certain circumstances, are attending a college, university or university, student loans may be the right choice to consider. They differ from other types of loans in that, instead of requiring collateral for a loan, applicants are required to prove that they are currently enrolled in the institution or have completed a course in the institution. ‘establishment.

They allow you to withdraw the amount you need based on your financial situation and the tuition fees you are currently paying. Also, there are no fees as they do not rely on any type of credit score as a method of determination.

Many students do not realize the obligation to repay loans immediately with withdrawals from their accounts or through the financial aid office of the university or college they attend and paying for the service of financial aid.

4. Citizenship Loans

Citizenship loans are available to people who have recently obtained recognition of their citizenship in Canada. This type of loan is generally offered to people who need cash to settle their file or to cover travel expenses.

It’s usually small amounts of money that have a return. There are no fees as this is a short term loan and you will need to pay it back quickly. It could take just a week for the loan to be credited to your credit card, assuming everything goes as planned.

To qualify for the loan, you are not required to demonstrate that you have a good credit history, but in certain situations when it is your first time applying for the loan after being approved for the loan, they will look at the details of your credit file.

5. Unsecured Loans

Loans that are unsecured do not require collateral and are generally given to those who are able to show a good credit history and low interest rates. People eligible to receive these types of loans are usually those who need funds to cover unexpected expenses or to pay for a longer period.

For example, you may qualify for an unsecured loan if you need money to renovate your home or pay for an essential procedure.

What you are eligible to receive generally depends on the conditions of your work and your income. However, there are other types of credit that are secured, such as movable mortgages, which allow you to obtain more than traditional loans, since they offer a certain proportion in the loan amount in the event that the security is used due to inability to pay.

6. Secured Loans

Secured loans are generally granted to those who have a bad credit history. Because these are people who have bad credit, these loans usually have a higher interest rate, which means you will have to pay higher interest rates for the loan.

Due to higher interest rates and poor credit ratings, this type of credit is usually secured by collateral. That’s why you can get up to $25,000, depending on the type of warranty you decide to test.

If you are seeking a secured loan, you must be at least 18 years old, but there is no age limit if you can prove that you are able to meet the financial obligation. The type of loan must be repaid within a specific time frame, as specified by your lender.

What are the benefits of loans?

They are vital for many reasons. They allow you to achieve your goal of having your own home, even if you are unable to put enough money into your account. Another reason for loans is that they allow those with bad credit to still get some money and can possibly help improve their credit situation.

You can obtain credit that is unprotected and not subject to a higher interest rate. Another reason for the need for loans could be that they allow businesses to grow and grow as most businesses need money to start their business or to increase the scale of their business.

Torben A. Carlsen of Citrus North asserts that loans are an effective instrument that can be used in a variety of ways. The other benefit of loans is the fact that they help individuals become financially self-sufficient by helping them start their own business or buy a house or cover medical expenses that might not be feasible otherwise.

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Football on TV 05/23/2022

On Monday, the Mexican Liga MX Femenil qualifiers come to an end. The final 2022-23 Bundesliga spot will also be decided.

******************

Programming is always subject to change. In addition to the exclusive streaming programming listed here, many networks make TV programming available on streaming devices – online, tablets and mobiles. Check your local listings and network programming listings.

(All times are Eastern unless otherwise stated; all games are live unless otherwise stated. Same-day delayed games are included in some cases.)

******************

MONDAY May 23

GOL-TV
Ecuador
Deportivo Cuenca-Orense 8 p.m.

UNIVERSE
Mexican Liga MX Women (Clausura Final, 2nd Leg)
Guadalajara-Pachuca 9 p.m.

ESPN3
European U-17 Championship
Spain-Serbia 10:20 a.m.
Belgium-Turkey 10.20 a.m.
Portugal-Denmark 1 p.m.
Sweden-Scotland 1 p.m.

ESPN+
German Bundesliga (Promotion-relegation playoffs, second leg)
Hamburg-Hertha Berlin 2:30 p.m.

PARAMONT+
Scottish Premiership (Playoffs)
St. Johnstone-Inverness 2:45 p.m.

******************

TUESDAY May 24

be in sports
Libertadores Cup
Velez Sarsfield-Estudiantes 6:15 p.m.
Flamengo-Sporting Cristal 8:30 p.m.

beIN SPORTS in SPANISH
Libertadores Cup
National-RB Bragantino 6:15 p.m.
Emelec-Independent Petrolero 8:30 p.m.

ESPN+
German Bundesliga 2 (relegation playoff)
Dynamo Dresden-Kaiserslautern 2:30 p.m.

******************

WEDNESDAY May 25

be in sports
Libertadores Cup
River Plate-Alianza Lima 6:00 p.m.
Penarol Colon 8 p.m.

beIN SPORTS in SPANISH
Libertadores Cup
River Plate-Alianza Lima 6:00 p.m.
Independiente del Valle-America Mineiro 8 p.m.

ESPN+
US Open Cup (round of 32)
Orlando City-Inter Miami 7 p.m.
Louisville City-Nashville SC 7 p.m.
New York City FC-New England Revolution 7:30 p.m.

NY Red Bulls-Charlotte FC 8 p.m.
Minnesota United-Union Omaha 8 p.m.
Sporting KC-Houston Dynamo 8:30 p.m.
LA Galaxy-LAFC 10:30 p.m.
Sack Republic FC-San Jose Earthquakes 10:30 p.m.

PARAMONT+
UEFA Europa Conference League (Final)
Roma-Feyenoord 3 p.m.
National Women’s Soccer League
Reign-Kansas City 10 p.m.

The Best Counties to Raise a Family in Colorado

DENVER (Stacker) — Known in other parts of the world as counties, provinces, or territories, counties in the United States (also called boroughs or parishes in some states) date back to the 1600s, when settlers first came freedom from British rule. Today, these counties remain, with the 50 states divided into several, each with its own unique makeup.

For people looking to find a home to raise a family, choosing a county is a big decision. Most families place affordable homes, safe neighborhoods, a quality school system, and family-friendly activities at the top of their wish lists.

Stacker compiled a list of the best counties to raise a family in Colorado using data from Niche. Niche ranks counties based on a variety of factors, including cost of living, schools, healthcare, recreation, and weather.

The list includes counties that have some of the best schools and fun, family-friendly activities for every season. Keep reading to explore the best counties to raise a family. Maybe you’ll find one that suits your brood.

#19. Pueblo County

– Population: 165,982
– Median home value: $164,600 (65% ownership)
– Median rent: $829 (35% rent)
– Median household income: $46,783
– Best public schools: The Connect Charter School (A-), Swallows Charter Academy (B+), Swallows Charter Academy (B+)
– Best private schools: St. Therese Catholic School (not available), St. John Neumann Catholic School (not available), Trinity Lutheran School (not available)
– Best places to live: Pueblo West (B), Pueblo (B-), Beulah Valley (B+)

#18. Adams County

– Population: 504,108
– Median home value: $307,600 (66% ownership)
– Median rent: $1,346 (34% rent)
– Median household income: $71,202
– Best public schools: Stargate Charter School (A+), Legacy High School (A), Hulstrom Options K-8 School (A-)
– Best private schools: Belleview Christian Preparatory School (A-), Flatirons Academy (B+), Rocky Mountain Lutheran High School (B+)
– Best places to live: Westminster (A-), Thornton (B), Federal Heights (B)

#17. Grand County

– Population: 15,303
– Median home value: $308,200 (68% ownership)
– Median rent: $1,047 (32% rent)
– Median household income: $71,198
– Best public schools: Fraser Valley Elementary School (B+), East Grand Middle School (B+), Middle Park High School (B)
– Best private schools: Winter Park Christian School (A-)
– Best places to live: Fraser (B+), Grand Lake (A), Winter Park (A-)

#16. Clear Creek County

– Population: 9,495
– Median home value: $378,300 (77% ownership)
– Median rent: $938 (23% rent)
– Median household income: $67,060
– Best public schools: King-Murphy Elementary School (B), Clear Creek High School (B), Georgetown Community School (B-)
– The best private schools:
– Best places to live: Silver Plume (B+), Georgetown (B), Empire (B-)

#15. Weld County

– Population: 305,345
– Median home value: $299,000 (73% ownership)
– Median rent: $1,085 (27% rent)
– Median household income: $74,150
– Best public schools: Galeton Elementary School (A), Benjamin Eaton Elementary School (A-), Windsor Charter Academy Elementary School (A-)
– Best private schools: Dayspring Christian Academy (B+), The Children’s Workshop Early Learning Center (not available), St. Mary Catholic School (not available)
– Best places to live: Erie (A), Severance (A-), Eaton (A-)

#14. Gunnison County

– Population: 16,802
– Median home value: $367,300 (61% ownership)
– Median rent: $992 (39% rent)
– Median household income: $56,577
– Best public schools: Crested Butte Community School (A-), Gunnison High School (B), Crested Butte Elementary School (B)
– The best private schools:
– Best places to live: Gunnison (A-), Mount Crested Butte (A-), Crested Butte (B+)

#13. County of Conejos

– Population: 8,128
– Median home value: $120,500 (79% ownership)
– Median rent: $543 (21% rent)
– Median household income: $36,084
– Best public schools: Manassa Elementary School (A), La Jara Elementary School (B+), Centauri High School (B+)
– The best private schools:
– Best places to live: Manassa (B+), La Jara (B), Sanford (B)

#12. La Plata County

– Population: 55,617
– Median home value: $395,600 (71% ownership)
– Median rent: $1,147 (29% rent)
– Median household income: $68,685
– Best public schools: Mountain Middle School (A-), Animas High School (A-), Durango High School (B+)
– Best private schools: Colorado Timberline Academy (B+), St. Columba School (not available), Southern Ute Indian Montessori Academy (not available)
– Best places to live: Durango (A-), Bayfield (C+), Ignacio (C+)

#11. Pitkin County

– Population: 17,926
– Median home value: $615,900 (65% ownership)
– Median rent: $1,473 (35% rent)
– Median household income: $78,935
– Best public schools: Aspen High School (A), Aspen Community Charter School (A), Aspen Middle School (A-)
– Best private schools: Aspen Country Day School (not available)
– Best places to live: Aspen (A), Snowmass Village (A-), Woody Creek (B+)

#ten. San Miguel County

– Population: 8,049
– Median home value: $479,300 (61% ownership)
– Median rent: $1,140 (39% rent)
– Median household income: $67,038
– Best public schools: Telluride High School (A+), Telluride Middle School (A), Telluride Intermediate School (A-)
– Best private schools: Telluride Mountain School (A-)
– Best places to live: Mountain Village (A), Telluride (A), Ophir (B)

#9. Summit County

– Population: 30,649
– Median home value: $579,600 (66% ownership)
– Median rent: $1,393 (34% rent)
– Median household income: $79,277
– Best public schools: Breckenridge Elementary School (B+), Frisco Elementary School (B+), Summit Cove Elementary School (B+)
– Top private schools: The Peak School (A)
– Best places to live: Breckenridge (A-), Frisco (B), Silverthorne (B-)

#8. Eagle County

– Population: 54,681
– Median home value: $562,300 (70% ownership)
– Median rent: $1,594 (30% rent)
– Median household income: $84,790
– Best public schools: Battle Mountain High School (A-), Eagle County Charter Academy (A-), Vail Ski & Snowboard Academy (VSSA) (B+)
– Top private schools: Vail Mountain School (A+), Vail Christian High School (A+), St. Clare of Assisi School (unavailable)
– Best places to live: Vail (A-), Eagle (B+), Avon (B+)

#7. Routt County

– Population: 25,072
– Median home value: $535,300 (71% ownership)
– Median rent: $1,282 (29% rent)
– Median household income: $77,443
– Best public schools: Steamboat Springs Middle School (A), Soda Creek Elementary School (A), Strawberry Park Elementary School (A)
– Best private schools: Steamboat Mountain School (A+), Emerald Mountain School (not available), Christian Heritage School (not available)
– Best places to live: Steamboat Springs (A-), Oak Creek (B-), Yampa (C+)

#6. Larimer County

– Population: 344,786
– Median home value: $363,800 (65% ownership)
– Median rent: $1,297 (35% rent)
– Median household income: $71,881
– Best public schools: Liberty Common Charter School (A+), Fossil Ridge High School (A), Fort Collins High School (A)
– Top private schools: Campion Academy (A-), Resurrection Christian School (A-), Heritage Christian Academy (B+)
– Best places to live: Timnath (A), Fort Collins (A), Johnstown (B+)

#5. El Paso County

– Population: 698,974
– Median home value: $275,000 (64% ownership)
– Median rent: $1,174 (36% rent)
– Median household income: $68,779
– Best public schools: Cheyenne Mountain High School (A+), The Vanguard School Elementary (A+), The Vanguard School Junior High (A+)
– Best private schools: Fountain Valley School (A+), The Colorado Springs School (A+), St. Mary’s High School (A)
– Best places to live: Woodmoor (A), Monument (A), Gleneagle (A)

#4. Jefferson County

– Population: 574,798
– Median home value: $397,700 (71% ownership)
– Median rent: $1,376 (29% rent)
– Median household income: $82,986
– Best public schools: D’Evelyn Junior/Senior High School (A+), Lakewood High School (A+), Evergreen High School (A+)
– Best private schools: Colorado Academy (A+), Denver Christian School (A), Front Range Christian School (A-)
– Best places to live: Evergreen (A), Genesee (A), Columbine (A)

#3. Arapahoe County

– Population: 644,560
– Median home value: $358,200 (64% ownership)
– Median rent: $1,390 (36% rent)
– Median household income: $77,469
– Best public schools: Cherry Creek High School (A+), Grandview High School (A+), Challenge School (A)
– Best private schools: Kent Denver School (A+), Regis Jesuit High School (A+), St. Mary’s Academy (A+)
– Best places to live: Holly Hills (A+), Cherry Creek (A+), Inverness (A+)

#2. Boulder County

– Population: 322,510
– Median home value: $497,300 (62% ownership)
– Median rent: $1,495 (38% rent)
– Median household income: $83,019
– Best public schools: Fairview High School (A+), Peak to Peak Charter School (A+), Boulder High School (A+)
– Best private schools: Dawson School (A+), Tara Performing Arts High School (A), Watershed School (A)
– Best places to live: Superior (A+), Louisville (A+), Boulder (A+)

#1. Douglas County

– Population: 336,041
– Median home value: $468,700 (79% ownership)
– Median rent: $1,725 ​​(21% rent)
– Median household income: $119,730
– Best public schools: Rock Canyon High School (A+), Mountain Vista High School (A), STEM School Highlands Ranch (A)
– Best private schools: Valor Christian High School (A+), Mile High Academy (A), Lutheran High School (A-)
– Best places to live: Highlands Ranch (A+), Castle Pines (A+), Lone Tree (A+)

Stacker content published under a BY-NC 4.0 CC License.

An Inverness woman saved a friend and pets from a devastating fire at a phone charger





An Inverness woman saved a friend and pets from a devastating fire at a phone charger



































Schedule An icon of a desktop calendar.

Cancel An icon of a circle with a diagonal line across it.

Caret A right-pointing solid arrow icon.

E-mail An icon of a paper envelope.

Facebook An icon of Facebook’s “f” mark.

Google An icon of Google’s “G” mark.

Linked to An icon of the Linked In “in” brand.

Sign out An icon representing disconnection.

Profile An icon that resembles the human head and shoulders.

Phone An icon of a traditional telephone receiver.

Check A check mark icon.

Is public An icon of a human eye and eyelashes.

is not public An icon of a human eye and eyelashes crossed by a diagonal line.

Pause icon A two-line pause icon to stop interactions.

quotation mark An opening quotation mark.

quotation mark A closing quotation mark.

Arrow An arrow icon.

Case An icon of a paper folder.

Breakup An icon of an exclamation mark on a circular background.

Camera An icon of a digital camera.

Caret A caret arrow icon.

Clock An icon of a clock face.

close An X-shaped icon.

close icon An icon used to represent where to interact to minimize or close a component

Ellipse An icon of 3 horizontal dots.

Envelope An icon of a paper envelope.

Facebook An icon of a facebook logo f.

Camera An icon of a digital camera.

Residence A house icon.

instagram An Instagram logo icon.

LinkedIn A LinkedIn logo icon.

Magnifying glass A magnifying glass icon.

Search icon A magnifying glass icon used to represent the search function.

Following A right-pointing arrow icon.

Notice An explanation mark centered inside a circle.

Previous A left-pointing arrow icon.

Evaluation A star icon.

Label An icon of a label.

Twitter A Twitter logo icon.

Video camera An icon of a video camera shape.

Speech bubble icon An icon showing a speech bubble

WhatsApp A WhatsApp logo icon.

Information An icon of an information logo.

More A mathematical “plus” symbol.

Duration An icon indicating the time.

Pass tick A green check mark icon.

Success tick timeout A greyed-out success check mark icon.

Roulette Loading An icon of a loading wheel.




Community grazing cooperative disappointed by farm loans board takeover

The co-op that operates the 231-hectare Cape Mabou community pasture was forced to close by the Nova Scotia Farm Loan Board, according to co-op volunteers.

“I just think it represents the wrong approach from the start when they (the Farm Loans Board) didn’t give us a chance to look at the lease or talk about it before sending it to us to be just signed,” said Marilyn MacDonald, president of the Cape Mabou Pasture Co-operative.

In a statement released to the Chronicle Herald on Friday, the Agricultural Loans Board confirmed its commitment to the community pasture program which includes approximately 2,500 hectares spread over seven separate pastures.

The program is intended “to help farmers reduce their production costs or expand their operations,” the council statement read.

“The council’s role is to protect these lands and ensure that they remain in agricultural production, accessible to all Nova Scotia farmers and available for the future.

Cattle mill about in a corral at Cap Mabou community pasture. — Photo of the Cape Mabou Pasture cooperative

In its statement, the Farm Loans Board reiterated information that appeared recently in the Nova Scotia Federation of Agriculture newsletter and in the weekly The Oran, which serves Inverness County, where the Cape Mabou pasture.

The council ‘can confirm that the plan is for Cape Mabou to be open to farmers this year,’ the advertisements and statement read.

The council is a “government lending body and cannot comment on confidential negotiations between the council and potential tenants,” the statement said. “The council has active leases for all active community pastures in the province, with the exception of Mabou pasture, and will contract out the management of this pasture for this year to ensure its accessibility to farmers.”

Although the board of directors used the confidentiality of the negotiations as a non-comment, the cooperative was not constrained by such restrictions.

In a summary of the co-op’s 2022 annual general meeting, MacDonald said the Farm Loans Board, after many years of ignoring the operation of Cape Mabou Pasture, had commissioned a consultant’s report in 2020 and, to late spring, had presented the co-op with a 10-year lease and a one-year operating contract to sign and return.

MacDonald said the co-op’s board was very concerned about parts of the agreement, particularly that upon the signing of the lease and an operating agreement, “all of our assets became the property of the Agricultural Loan Board”.

This included a new farm building, tractor, gates and a scale.

MacDonald said there was no exit clause allowing the co-op to terminate the lease or operating agreement, but the farm loans board could terminate at any time without restriction.

The Cap Mabou pasture, in operation since 1955, is the only one of the seven provincial pastures that does not belong to the agricultural loans commission. The Cap Mabou pasture is jointly owned by the provincial department of natural resources and seven private landowners, who own more than 80 hectares out of a total of 231 hectares of pasture.

Cattle graze at the Cap Mabou community pasture.  — Photo of the Cape Mabou Pasture cooperative
Cattle graze at the Cap Mabou community pasture. — Photo of the Cape Mabou Pasture cooperative

Still, MacDonald said the leases were the same for all seven pastures.

At a meeting of the co-op’s board in September, MacDonald said it was agreed that the co-op’s board members and their lawyer would draft a more flexible agreement to present to the loan board agricultural.

In November, the co-op compiled a historical grazing review that showed a total cumulative operating loss over 65 years of $192,054, despite cumulative income that included $257,000 from grants, subsidies and non-direct income. .

The financial summaries, showing a “dismal and unsustainable financial situation under the existing co-operative model”, were forwarded to Finance Minister Allan MacMaster, MPP for Inverness, Jen Thompson of the Farm Loans Board, the Committee on action of community pastures and others.

The co-op had Zoom meetings with MacMaster on Nov. 29, 2021, and Jan. 24, 2022, where they learned their MP hadn’t even reviewed the financial information passed to him, MacDonald said.

Trucks pulling cattle trailers are parked at the Cape Mabou community pasture buildings.  — Cape Mabou Community Grazing Cooperative
Trucks pulling cattle trailers are parked at the Cape Mabou community pasture buildings. — Cape Mabou Community Grazing Cooperative

The co-op sent a letter to Agriculture Minister Greg Morrow in late January outlining its difficult financial situation, but was directed to the Community Pasture Support Funding Program. The support program is structured primarily for funding capital expenditures and infrastructure improvements, not year-over-year operating expenditures, MacDonald said.

“Once again, our need for working capital has fallen on deaf ears.”

The co-op’s board met with Thompson and a representative from the Department of Agriculture in mid-February and was advised to submit proposed changes to the agreements.

The Agricultural Loans Board responded to the proposed lease and operating changes by emphasizing that permanent facilities should remain on pasture, that is, facilities that could be moved but which the Agricultural Loans Board should reasonably consider as part of the pasture infrastructure.

The loan board also argued that all income, except grazing fees, generated from land over $500 would be held by the board for approved disbursement and that the co-op would need an accountant. to prepare the financial statements.

MacDonald called the seven parcels of private land that intersect with the pastures “the elephant in the room”, with great potential to interfere with current grazing operations, particularly access to water and uninsured liabilities.

MacDonald said the co-op was notified on April 27 that the Farm Loans Board would operate the pasture this season and the ensuing advertisement appeared in the local newspaper this week.

The provincial Department of Agriculture meanwhile announced on Friday, through the Agricultural Loans Board, the purchase of 125 hectares of land in Cape John, Pictou County, for $1.1 million. . This land complements the Cape John community pasture and brings the total area of ​​active community pasture in the province to over 2,500 hectares.

Dan Thompson of Three Dot Farm in Pictou County unloads his Angus and Shorthorn crossbred cattle at the Cape Mabou Community Pasture in 2020. - Photo by Aaron Beswick
Dan Thompson of Three Dot Farm in Pictou County unloads his Angus and Shorthorn crossbred cattle at the Cape Mabou Community Pasture in 2020. – Photo by Aaron Beswick

At Cape Mabou, most of the voluntary work to fence off the property and other preparations would normally be well advanced by now to prepare pasture for the influx of some 450 head of cattle from early June.

“It’s definitely a shock, quite disappointing,” Irwin Jewell, a farm owner in York, about 10 kilometers northeast of Charlottetown, said of the possibility that pasture may not be open this year. .

Jewell had delivered 140 head of cattle to pasture in the past few years because “they have nice grass up there and they look after them, take care of them”.

“It’s a service you can’t find” anywhere else, he said.

Jewell, who along with his son once owned 350 head of cattle, would not need the service this year anyway as he is in the process of selling his cattle and the farm.

“If I still had my barns full of them (cattle) and I was planning to take them there, it would be a blow,” Jewell said. “If you’re counting on something and you don’t really know…”

MacDonald said the Farm Loans Board “is making plans to open the pasture, but how they’re going to be able to do that, I don’t know.”

“It’s a very confusing situation for me, I don’t understand it, given the good faith and all the commitment and quality of volunteerism that has been put into this establishment over the past three or four years. , to get to the point where they (the Farm Loans Board) just want to come in, say see you later, leave all your stuff and we’ll take care of it.

MacDonald said there hasn’t been a lot of creative thinking on the part of the farm loans board to move away from a volunteer-dependent format at a time when people are no longer willing to give as much work. volunteer.

“We’re talking about a pretty small shortfall here,” MacDonald said of what the co-op would need to continue operating the pasture.
“We’re talking like $50,000, $60,000.”

Noting the Farm Loans Board’s $1.1 million spending announcement, MacDonald said: ‘If they’re just going to operate (Cape Mabou) with their own operating money, what was the difference in giving us operating money to transition to a model that might work in the future.”

Tributes paid to Inverness builder and property developer Robert More after his death aged 73

Robert Fraser More

A well-known builder and property developer from Inverness has died after a period of illness.

Robert Fraser More, better known to his friends as Bob, died peacefully at Raigmore Hospital last Saturday, aged 73.

Starting in the mid-1980s, the self-made businessman – previously a pipeline technology entrepreneur – grew RF More (Properties) Ltd from humble beginnings, starting with small projects in and around Europe. ‘Inverness.

Such was its success, it became a significant contributor to the housing stock across the city and beyond, as well as carrying out a number of commercial real estate projects.

One of his most striking legacies is the development of attractive pastel-coloured apartments at Cale House in Millburn Road, opposite Morrisons supermarket. He also redeveloped the building to the right of the old Queensgate Post Office, among other town center projects. Further on, he was responsible for buying a large burnt down hotel in Wick, where he grew up, turning it into the Riverside House Care Home.

RF More currently has a 101-unit housing proposal in the pipeline at Wester Inshes, south of West Park, the second phase of development at Inshes Farm.

Mr More is survived by his wife Shona and daughters Leah and Cara, both from his previous marriage to the late Kathleen Jackson.

A devoted family man, he is described as an extremely proud grandfather of Chloe, Abi and Alexa.

He and Shona, also from Wick, met 24 years ago and married in Thailand in 2009.

Ms More told how her husband left the Caithness area aged 16 and worked in Canada for two years before attending Dudley College in the West Midlands.

He became an expert in industrial pipe inspection radiography, working all over England.

With two others, in their twenties, he founded an innovative pipeline inspection company called Ultratest NDT, later sold to a Swiss conglomerate.

With the company he became involved in the oil industry and was one of the very first people recruited at Nigg in the 1970s.

After Ultestest was sold, he worked for the new owners for a year, then set up an “Auf Wiedersehen, Pet” type recruitment agency taking workers from the Highlands to jobs in Germany and Holland.

Tired of constant travel and missing his young family, he resettled in Inverness and began his building interests with his stepfather Jim Jackson before striking out on his own.

Ms More said: ‘Bob was a smart man, very hardworking all his life, but someone who liked to mind his own business. He just tried hard to succeed, really.

“That’s what it was about for him. He was a very nice man who took good care of his family. He was so proud of them all and always wanted the best for them.

Mr More’s son-in-law, Euan Mackay, a carpenter, also worked for him for many years.

Veteran Highland journalist Bill Mowat knew Mr More well and admired his drive and entrepreneurial spirit.

He said: “Bob was a natural when it came to identifying potential projects and getting them done. He was a smart man, a true entrepreneur from Caithness who went on to become a huge player in many property projects in Inverness, also representing big companies like Lidl and Tesco on various commercial developments.

Mr More lived in the Culduthel Road area of ​​the town before moving to the current family home in Wester Inshes.

Inverness economist Tony Mackay became a Culduthel Road neighbor of Mr More in the 1980s and children from both families attended Inverness Royal Academy together.

Mr Mackay said: ‘We have to be very friendly. Much more recently, I would enjoy his company at the River House Restaurant next to the Greig Street Bridge.

“He was very good at what he did, a sharp and driven entrepreneur, but away from his job he was a very dedicated, caring and well-loved family man.”

The funeral will take place on May 30 at 2 p.m. at William T Fraser and Son Funeral Home, Culduthel Road, Inverness.

Burial will take place at Wick Cemetery the next day at 2 p.m.

All family and friends are invited to one or both departments where donations will be accepted on behalf of Raigmore Hospital’s Respiratory and Renal Units.


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Top Energetic Features of Online Payday Loans Inside the Eddyville |

Main Energetic Features of Online Payday Loans Inside Eddyville

Unexpected occasions come into our lifestyle and you will establish their own legislation. You cannot just turn your back while keeping difficult issues hidden that require your own calling. For people who want to rebuild their lives, there must be a commitment to dealing with these difficulties. Yet many problems have a financial identification, and they can also be repaired simply with the engagement of the features.

Quick payday loans are here to help you get paycheck lease finance easily. You will also be able to use the loaned contribution in any way, because wear and tear will certainly not concern anyone here. Reduced paper tasks are in fact necessary to accommodate new administrative processes. Really, you’ll only need to look at your SSN and own profile amount, and have other concerns related to your individual tips. With your party, you get a chance to get extra cash for household purpose, truck maintenance, otherwise relationships for enjoy purposes.

A cash advance payday loan will become a reliable tool if used responsibly in many factors. The loan is basically a very important possibility just in case you need to work with temporary financial difficulties or if a threatening life is obtained like a house or cars and trucks. Although payday advances are already quick totals taken for a quick date month, we know what amount won’t be enough when you should buy something very important? Imagine if $200 is what you need to buy the home of your dreams?

Crediting a personal mortgage loan procedure can be a great tricky approach, but in reality, it appears to be just a very first glimpse. United States located utilized so that you can complicate the lender’s attribution body because larger creditors benefit from a certain need. They don’t even generate any effort to make the services less complicated, and some people are not able to get high credit scores. In addition, a great financial team does not establish unfair fees and penalties with the costs, which does not gain popularity in the program.

We are able to research less strenuous methods to promote loans for a variety of criteria for anyone acquiring short volumes of cash quickly. We mainly found a reasonable team and an easy unit possible on a regular basis of trust. Our whole mission will be to promote inexpensive borrowing problems and then to have customer service to deal with its spending budget effectively.

What is an online payday loan you could easily see in Eddyville

fast cash advance strives to offer clear and practical actions to help individuals overcome their financial mistakes. A payday loan is a small monetary amount that you can easily borrow from nearby web pages. The entire procedure won’t capture more than a big functional date, and you’ll regularly rely on all of our advice. Online payday loans in Eddyville are offered validly which implies that our business is actually controlled by up-to-date regulations. Thus our own masters simultaneously have certain limits related to our consumers. For example, you may not be our buyer if the previous raise is less than 18. But if you prevent it for years, you are actually entitled to receive $29, $100 and much more.

Is fast dollars a payday loan

We intend to improve employed providers for all of our individuals. That’s why all our types need while being practical. This means that you really don’t need to talk to any direction about how to charge this new void, because everything is basically obvious in the short term. You will manage to perform the last type done inside 2 minutes if not shorter.

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Murderer was inspired by American serial killer Ted Bundy

The guitarist who abducted 18-year-old Bobbi-Anne McLeod from a bus stop was obsessed with murder and serial killers, and one in particular – Ted Bundy.

Cody Ackland snatched Miss McLeod from a bus stop in Leigham, Plymouth in November last year, hitting her twice in the head with a claw hammer before putting her in his car.

He would later bludgeon her to death in a secluded Dartmoor car park.

Three days after the murder, Ackland turned himself in, and investigators found over three thousand images of murder victims’ bodies, murder weapons, and bloodstained clothing.

Ackland had looked into the lives of famous serial killers, but his decision to attack Miss McLeod with a hammer bore a striking resemblance to the modus operandi of American murderer Bundy.

Cody Ackland, in the dock at Plymouth Crown Court (Elizabeth Cook/PA)

Bundy confessed to the murders of 30 women in the states of Oregon, Utah, Florida, Colorado and Idaho, starting in the 1970s.

The true figure could be much higher.

It would target young women who typically lived independently, either early in their careers or as students.

Bundy would typically approach them in public places and fake a disability in order to get them to help him with a task, such as lifting something from his car.

He beat them unconscious with a hammer or other blunt weapon before moving them to a secret location where he raped and strangled them.

Often he returned to their bodies, sometimes washing them, putting makeup on them, and sexually assaulting their corpses.

In some cases, he decapitated the corpses and stored the heads in his apartment.

He twice managed to escape from prison and was finally recaptured in February 1978.

Drone view of Bovisand, outside Plymouth, where the body of Bobbi-Anne McLeod was found (Devon and Cornwall Police/PA)
Drone view of Bovisand, outside Plymouth, where the body of Bobbi-Anne McLeod was found (Devon and Cornwall Police/PA)

Bundy’s case captured the imagination of the American public and his trial was one of the first to be broadcast live on television.

After a long legal battle and numerous reprieves, Bundy was finally executed in the electric chair in January 1989.

Ann Rule, one of Bundy’s many biographers, described him as: “A sadistic sociopath who reveled in another human’s pain and control over his victims, even to death and even after.”

Like Bundy, although he turned himself in and confessed to his crime, detectives working on the case say Ackland never showed any remorse for killing Miss McLeod.

Loans Vs. Line of Credit: Which is Right for You?

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When you need or want to buy something that exceeds your available funds, it is common to borrow money from elsewhere. If you cannot get it from your friends and family, the next practical solution is to request the funds from a bank or lender. However, most consumers are unaware that there are several borrowing options, including a loan or a line of credit. Ultimately, the differences between these financial products help you determine which is best for your situation.

What is a loan?

A loan is a specific dollar amount provided by one person, business, or financial institution to another person or business in exchange for a promise by the borrower to pay interest and the balance of the loan in full on the agreed date. This is a fixed amount of money earned for one-time use. There are many types of loans, including mortgages, personal loans, auto loans, home loans, student loans, payday loans, and installment loans. A little research on the Internet can help you discover what is the difference between a payday loan and an installment loan or the difference between a mortgage and a home equity construction loan.

What is a line of credit?

A credit line is a form of lending in that it is financing from one person or entity to another. However, lines of credit are a fixed amount that can be used as often as the borrower needs (or until the account is depleted).

What is the difference?

While the definitions of loans versus lines of credit give you an overview of their differences, let’s dig a little deeper into how these financial products vary.

  • Frequency of use – The most significant difference between a loan is their frequency of use. A loan is non-revolving, meaning you can only use the borrowed amount once. You must then repay the loan in full and apply for another one if necessary. A line of credit is revolving, which means you can use the amount borrowed, pay off the balance, and use it as many times as you want.
  • Need of the borrower – Although personal loans can be used for any purpose, other loans are for a particular need. For example, a mortgage is used to buy a house, an auto loan buys cars, and student loans finance tuition. On the other hand, you can use a line of credit to finance anything.
  • Increased interest – As soon as you receive a loan, interest begins to accrue. However, a line of credit does not earn interest until you start spending from the account.
  • Refund – When you accept a loan, you must start paying the balance plus interest immediately until you meet your obligation. With a line of credit, no payment is required until you have spent the money. Plus, you only pay for what you use with a line of credit instead of owing the entire balance.

Which should you choose?

How do you know if you need a loan or a line of credit? Here are two factors to consider:

  • Financial needs – The first thing to consider is why you need the money. If you are trying to buy a house, a car, or pay for college, a loan may be the best option, as you can apply for specific loans that will pay you larger lump sums to acquire those important investments in life. However, if you live paycheck to paycheck and want a financial cushion, often need extra cash for purchases or day-to-day expenses (i.e. ideal.
  • Affordability – While having debt can be a good thing, too much debt can cause problems. Therefore, you want to select the most affordable borrowing option. For example, a bank may offer lines of credit at 12% APR or 1% monthly interest. However, a personal loan can range from 10% to 36%. You don’t have to worry about paying off a line of credit if the balance is zero; however, once you have taken out the loan, you must pay the required interest rate and the balance in full. If you’re trying to save money and avoid getting too deep in debt, a line of credit might be a better option.

When you find yourself in a traffic jam or simply make a major purchase in life, applying for a loan or line of credit is often the fastest way to reach your goals. I hope the information provided above has given you a better understanding of their differences, benefits, and common uses so that you can decide which is best for you.

Inverness match preview | St Johnstone Football Club

Inverness progressed to the play-off final by narrowly beating Arbroath 5-3 on penalties after the match ended scoreless. Arbroath nearly grabbed a late winner Colin Hamilton sent a header against the crossbar.

Caley controversially ended the match with nine men after Danny Devine and Wallace Duffy were sent off. The close fight ended in a penalty shootout and after Arbroath veteran Bobby Linn had his kick saved by Mark Ridgers, Kirk Broadfoot headed home as Caley Thistle progressed to face the Saints .

The Saints ended their league campaign with a disappointing 4-0 loss to Hibs at Easter Road. The hosts took the lead just before half-time despite a solid first half from Saints. Paul McGinn managed to get on the end of Elias Melkersen’s cross, hooking the ball over his shoulder past Elliott Parish.

James Scott scored a second-half hat-trick to ensure the points stayed in the capital. The striker scored his first goal 3 minutes into the second half as he unknowingly found himself on the end of a cross from McGinn. Scott’s second goal came in the 61st minute as he converted a Joe Newell cross before the man on loan at Hull City completed his hat-trick 2 minutes from time as he headed home.

Preview of Melker Hallberg

“Everyone is feeling confident, we trained really well last week so all the guys are ready for Friday”

“We feel the pressure, but that comes with work. We are confident that we can ride and play however we want.

“They are a good team and it will be a tough game, but we know we have what it takes to get a good result to bring back to Perth.”

To watch Melker’s full press conference CLICK HERE

Tickets for our first leg of the play-offs are available for purchase now

GAME INFO

Inverness Caledonian Thistle v St Johnstone

cinch Premiership Play-Off Final 1st Leg

Friday, May 20, 2022

7:45 p.m. kick-off

Caledonian Stadium

TICKET INFORMATION

Adult £20

O65 £15

Student £15

Under 16 £5

Under 12 £0 (if accompanied)

Disabled carer £0

Tickets for children under 12 are not available online, but ticketing staff will be happy to assist you. The stadium is currently open Monday to Friday, 10 a.m. to 4 p.m. or by phone on 01463 222880 during office hours.

Please note that proof of eligibility for all concessions will be required

PURCHASE TICKETS IN SOUTH STAND ONLY (OUTSIDE FANS)

Tickets are currently available in Sections G, H and J of the South Stand for St Johnstone fans

Other sections will start to open based on ticket demand

Tickets for next Friday’s crucial first leg are now on sale HERE

The supporter buses are now full!

How to watch

If you are unable to participate in the play-offs but have a SaintsTV subscription, BOTH matches will be available to our international subscribers.

UK and Ireland subscribers can listen with audio only!

Busy agenda for new councilors in Ross-shire as Highland Council begins to take shape for a new five-year term

In short

  • Tourism recovery and green port aspirations for Cromarty Firth
  • Road collapse is an issue raised at doorsteps across the county
  • Inner Moray Firth development plan will affect everyone’s life
  • Is the centralizing pull of Inverness still unfairly strong in council decisions?

Ross-shire has elected its 28 councilors to represent the region which spans across Scotland – including more than a third who will be new to Highland Council.

Representatives will have a huge job to do as the region seeks to emerge from the economic downturn caused by the pandemic while dealing with a looming recession and cost of living crisis.

On top of that there’s the major visitor issue – for better and for worse – as tourism bosses hope cruises can start docking at Invergordon again while others seek to manage the way some are approaching the NC500.

But there are also major opportunities in the pipeline that could help provide economic stability potentially for decades to come as Highland Council is involved in the bid to bring a green Freeport to the Cromarty Firth.

RELATED: SNP and Independents confirm deal to lead new Highland Council

The move has the potential to generate what one insider said will be tens of billions in revenue for decades while creating thousands of jobs as the UK and Scottish governments seek to step up their zero-carbon efforts.

Elsewhere, the Small Business Federation has called on the council to become more business savvy and to be aware that more than 40,000 people in the region are employed in small and medium-sized businesses.

Big final decisions are also looming with the so-called Inner Moray Firth Development Plan which is expected to be decided in the coming months – it will effectively determine where people can build homes and businesses for the next decade.

Another key factor is Inverness’ huge presence on the doorstep of Ross-shire, a presence that is often felt to divert investment and effort from other areas as soon as you cross the Kessock Bridge.

But local towns like Dingwall, Tain, Alness, Invergordon and others are losing patience and demanding their fair share of the council’s investment – an issue that came up repeatedly during the campaign.

No other area has seen less investment than the UK’s largest ward – Wester Ross, Strathpeffer and Lochalsh, but the situation improved when local councilors set up their own local councils.

It’s something those elected will want to continue with incumbent Biz Campbell (Independent) joined by Patrick Logue (Conservative) with what was a double win for the SNP in Chris Birt and Liz Kraft.

One of the main areas of public concern is the lack of housing for locals, especially those entering the housing market for the first time, which has seen communities decimated, the ripple effect is a declining economy.

Graham Mackenzie, Margaret Paterson, Angela Maclean and Sean Kennedy are advisers to Dingwall and Seaforth.

The neighboring borough of Dingwall and Seaforth saw new councilor Sean Kennedy (independent) elected alongside incumbents Graham MacKenzie (SNP), Angela MacLean (Liberal Democrats) and Margaret Paterson (independent).

These include persuading local statutory bodies to allow businesses to move into Dingwall Business Park – so far they have been prevented from doing so due to risk objections. flooding despite the presence of SEPA there.

Cllr Kennedy said: “I am absolutely delighted to have been elected, of course I can’t wait to get to work but I would like to remind the people of Dingwall and Seaforth that I am here to represent them.

“The most important thing I can do now is learn the ropes of advice, as I said during the campaign, and keep my ear to the ground. People here want someone who listens and responds and who really is their voice on the board.

“I think we don’t have a moment to lose because if we don’t start working to move the region forward, to take care of its people, all we’re doing is walking on water and I feel like we’ve been doing it for way too long as it is.”

In terms of major industries, key areas are Cromarty Firth and Tain and Easter Ross, which encompass the ports of Nigg and Invergordon and could become the center of a renewable energy boom.

In Tain, Derek Louden (SNP) and Alasdair Rhind (independent) were elected there and they were joined by newcomer Sarah Rawlings (Liberal Democrats) who pulled off a surprise by replacing Fiona Robertson.

Pauline Munro, Maxine Morely-Smith, Molly Nolan and Tamala Collier are councilors for the Cromarty Firth ward.
Pauline Munro, Maxine Morely-Smith, Molly Nolan and Tamala Collier are councilors for the Cromarty Firth ward.

The Cromarty Firth saw Tamala Collier (SNP), Maxine Morley-Smith (independent), Pauline Munro (independent) and rising Liberal Democrat star Molly Nolan elected.

Cllr Nolan said: “For me, party politics has taken a step back this week. Councilors on all sides have major statutory and protective responsibilities for the most vulnerable people in the Highlands, and it has been truly humbling to be entrusted with this.

“As the new administration takes shape, my priority is to get it right and make sure people who depend on city services are well taken care of.”

Sarah Atkin, Lyndsey Johnston and Morven-May Maccallum will represent the black island.
Sarah Atkin, Lyndsey Johnston and Morven-May Maccallum will represent the black island.

Across the water from the two harbors is the Black Isle ward, which elected Sarah Atkin (Independent), Lyndsey Johnston (SNP) and Morven-May MacCallum (Liberal Democrats) as councillors.

They are all new to the council after the incumbents resigned, but will have to heed local opposition to noise from Nigg and Invergordon while recognizing how much the sites boost the economy.

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Lightwave Logic to Host Annual Meeting of Shareholders May 26, 2022

ENGLEWOOD, Colo., May 17, 2022 /PRNewswire/ — Lightwave Logic, Inc. (NASDAQ: LWLG), a technology platform company leveraging its proprietary electro-optical (EO) polymers to transmit data at higher speeds with less power, will host its annual meeting of shareholders 10:00 a.m. Mountain Time ThursdayMay 26, 2022 at Hilton Denver Inverness in Englewood, Colorado.

Annual meeting of shareholders
When: Thursday May 262022 Time: 10:00 a.m. Mountain Daylight Time Location: Hilton Denver Inverness – Conference A, 200 Inverness Dr W, Englewood, CO 80112
Webcast of the presentation: https://viavid.webcasts.com/starthere.jsp?ei=1544482&tp_key=3c8d96d340

For those unable to attend the meeting in person and watch CEO Dr. by Michael Lebby company update presentation, live webcast and recording – including audio presentation and slide presentation – will be made available on the webcast link above and on the Company Website.

Investors who wish to submit questions for consideration during the Q&A session following the presentation prepared by Dr. Lebby may submit them to MZ Group at [email protected].

About Lightwave Logic, Inc.
Lightwave Logic, Inc. (NASDAQ: LWLG) is developing a platform that leverages its proprietary electro-optical (EO) polymers to transmit data at higher speeds with less power. The company’s high-activity, high-stability organic polymers enable Lightwave Logic to create next-generation EO photonic devices, which convert data from electrical signals to optical signals, for applications in the data communications and telecommunications markets. . For more information, please visit the company’s website at lightwavelogic.com.

Safe Harbor Statement Information in this release may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. You can identify such statements by the words “may”, “will”, “should”, “anticipates,” explores”, “expects”, “anticipates”, “continues”, “estimates”, “plans”, “intends”, and similar expressions. Forward-looking statements involve risks and uncertainties that could cause could cause actual results to differ materially from those projected or anticipated.These risks and uncertainties include, but are not limited to, lack of available financing; general economic and business conditions; competition from third parties; third party intellectual property rights ; regulatory constraints; changes in technology and methods of marketing; delays in the completion of various engineering and manufacturing programs; change s in customer ordering habits; changes in product range; success in technological advances and the delivery of technological innovations; component shortages; production delays due to performance quality issues with outsourced components; the events and factors that we describe in Section 1.A “Risk Factors” of our most recent Forms 10-K and 10-Q; other risks to which our company is subject; other factors beyond the company’s control.

Contact with Investor Relations:
Greg Falesnik or Luke Zimmerman
MZ Group – MZ North America
949-259-4987
[email protected]
www.mzgroup.us

SOURCELightwave Logic, Inc.

Rangers 2008 UEFA Cup final XI and where they are now ahead of Europa League final showdown

14 years after their last European final, Rangers are preparing to play another.

They have a date with fate against Eintracht Frankfurt in Seville this Wednesday.

The competition may be called the Europa League these days, but the Ibrox club have reached the final hurdle in their previous incarnation as the UEFA Cup.

A 2-0 loss to Russian stars Zenit St Petersburg was painful for Glasgow’s blue half.

Two of their 2007/08 squad are set to play at the Ramon Sanchez-Pizjuan this week, proving the incredible longevity they have shown over glittering careers.

Sadly, legendary manager Walter Smith passed away last year, although the current crop may honor him and the late Jimmy Bell by lifting the trophy in Spain.

soccer scotland take a look at the starting XI that night at the City of Manchester Stadium [now the Etihad] and where their careers have taken them since.

neil alexander

The goalkeeper got his last chance after Allan McGregor was ruled out with injury.

Moved to Crystal Palace before making a league-winning return to Hearts in 2014.

Stays in Aberdeen, Livingston and Dunfermline followed. Retired from playing in 2018 and became goalkeeping coach for Dundee United and is currently part of John Highes’ behind-the-scenes team at Dunfermline.

Kirk Broadfoot

Left Rangers in 2012 after the club went into liquidation and joined Blackpool before moving to Rotherham United.

Returned to Scotland in 2017 with Kilmarnock then returned a year later after a short stint with St Mirren.

Joined Inverness CT last summer and could help bring the Highlanders back to the Premiership with a final play-off clash with St Johnstone coming this week.

David Weier

The veteran defender retired in 2012 and had a short spell in charge of Sheffield United after initially coaching at Everton.

He returned to Ibrox as an assistant to Mark Warburton after the pair worked together at Brentford.

Left after the dismissal of Warburton in 2017, he is now technical director of Brighton, the English Premier League team.

Carlos Cuellar

The Spanish centre-back left Rangers just months after the 2008 final, joining Aston Villa in a £2.3million deal.

Spent four years at Villa Park before joining Sunderland, then Norwich City from the Stadium of Light.

He returned to Spain with Almeria in 2015 before moving through several Israeli clubs before his retirement in 2019.

Sasa Papac



Rangers’ Viktor Fayzulin (left) and Sasa Papac

The Bosnian left-back was a heavy favorite at Ibrox.

A lingering groin injury caused problems towards the end of his time at Govan, and he was forced to retire after leaving the club in 2012.

Had a stint as technical director of Zeljeznicar in his native country but left there in 2018.

He was recently back at Ibrox for a legends game to mark the club’s 150th anniversary.

Brahim Hemdani

The Algerian was something of a European specialist for Rangers, Walter Smith regularly recruiting him in midfield for the big Euro nights.

The final turned out to be his last game for the Light Blues after he was frozen the following season and left in January 2009.

Barry Ferguson

The 2008 final ended up being the only final Ferguson ever lost as a player.

His second spell at his boyhood club ended in July 2009 when he left for Birmingham City.

He tasted League Cup success with the St Andrews club under Alex McLeish.

Spent three years at Blackpool which included a loan spell at Fleetwood Town before hanging up his boots.

His managerial career saw him take charge of Clyde before managing Kelty Hearts at the SPFL.

Alloa’s move to manager didn’t go well and Ferguson was sacked earlier this season.

Is a regular radio pundit and newspaper columnist these days.

Kevin Thomson



Rangers' Kevin Thomson (left) and Steven Whittaker (right) and Viktor Fayzulin
Rangers’ Kevin Thomson (left) and Steven Whittaker (right) and Viktor Fayzulin

Thomson left Rangers two years after Manchester lost to Zenit, signing for Gordon Strachan’s Middlesborough.

However, injuries hampered his time at Teeside and he joined training club Hibs in 2013.

The Hibees suffered relegation the following season, however, and Thomson signed a one-year contract with Dundee.

Was back at Easter Road for a third spell a year later and helped the Easter Road club win the 2016 Scottish Cup.

Ended his playing career with a brief stint at Tranent Juniors before returning to Rangers as academy coach.

Replaced former team-mate Ferguson as Kelty Hearts boss last summer and led them to the League Two title this campaign.

Steven Whittaker

Left Ibrox after its liquidation in 2012 to sign for Norwich City.

Spent five years at Carrow Road before joining Hibs in 2017.

Three years at Easter Road ended when he signed for Dunfermline and most recently coached the first team until agreeing to become Scott Brown’s assistant at Fleetwood Town last week.

Steven Davis

Incredibly, is about to play his second European final with the Gers, 14 years after the last.

Spent seven years at Southampton from 2012-17, then returned to Rangers for a second stint, initially on loan.

He’s unlikely to start at Sevilla and he’s out of contract at the end of the season, but what better way to sign than with a Europa League winners’ medal?

Jean-Claude Darcheville

Led the line for Rangers that night, but left the club the following January to return to France with Valenciennes.

Spent a year in Greece before returning to France and retiring in 2014.

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Linear coverage of ESPN, ESPN+ programming of the PGA Championship will feature 230 hours of content and a new alternative telecast

ESPN and ESPN+ will give golf fans multiple ways to watch and enjoy all the action of the 104th PGA Championship from Southern Hills Country Club in Tulsa, OK, the week of May 16-22, including a new live alternative tv show plays.

Since ESPN’s return to live coverage of the PGA Championship in 2020 after a 30-year absence, ESPN and ESPN+ have provided full-day coverage from the first tee to the last putt of the first two rounds, as well as weekend morning viewing and more gaming and live viewing options. for the historic tournament he never had.

With over 230 hours of live play on ESPN and ESPN+ over the four days of the championship, fans will enjoy traditional coverage as well as exclusive featured band and featured hole presentations.

New this year, ESPN is bringing an additional viewing option to golf for the first time with an alternative television show – PGA Championship starring Joe Buck and Michael Collins – which will complement the traditional television production of the event.

In addition to live game coverage, ESPN SportsCenter’s signature news and information program will have reporting from Southern Hills throughout the week of the event and ESPN.com will provide extensive digital coverage. And ESPN+ will offer three-hour noon practice round coverage programs on Tuesday and Wednesday of tournament week. CBS will air afternoon coverage on weekend days.

A preview of the PGA Championship coverage on ESPN platforms:

Live coverage of the first and second round

  • Over 12 hours of live gameplay between ESPN+ (8 a.m.-2 p.m.) and ESPN (2 p.m.-8 p.m.) on Thursday and Friday, May 19 and 20. Play after 8 p.m. will end on ESPN+.
    The PGA Championship with Joe Buck and Michael Collins (alternative telecast) airs 1-2 p.m. on ESPN and 2-5 p.m. on ESPN2.
  • Featured group coverage on ESPN+, not available elsewhere, will have eight groups per day on Thursday and Friday (four in the morning and four in the afternoon) from 8 a.m. until after play.
  • ESPN+ will have featured holeshot coverage of Holes 16-17-18 in Southern Hills from 9:30 a.m. until after play.

Live coverage of the third and final round

  • Five hours of live play between ESPN+ (8 a.m.-10 a.m.) and ESPN (10 a.m.-1 p.m.) on Saturday and Sunday, May 21 and 22.
  • PGA Championship with Joe Buck and Michael Collins (alternate broadcast) airs 9-10 a.m. on ESPN and 10-1 p.m. on ESPN+.
  • Exclusive featured band coverage on ESPN+ (four morning bands, two afternoon bands). Departure time will depend on departure times and cup size. Will air until the end of the game.
  • ESPN+ Featured Hole Coverage of Holes 15-16-17. Departure time will depend on departure times and cup size. Will air until the end of the game.

Commentators and analysts

  • Scott Van Pelt will anchor live game coverage on ESPN and ESPN+, joined in the 18th round for analysis by the former world No.1 David Duval.
  • Hole announcers will be Curtis Strange, Bob Wischusen and Dave Fleming.
  • Michael Eaves, Gene Wojciechowski and Marty Smith will conduct interviews with the players.
  • Reporters on the course will be Andy North, Billy Kratzert, Suzy Whaley and Jean Magines.
  • The CBS announce team will call the game for three hours each day Thursday and Friday.
  • Featured group streams will be hosted by George Savaricas, Dave Feldman, Taylor Zarzour, Peter Burns, Will Haskett, Steve Schlanger, Eric Rothman and Wes Durham.
  • Featured group analysts will be Mark Wilson, Mark Brooks, Scott Varplank, Paul Stankowski, Suzy Whaley, Colin Swatton, Steve Scott and Karen Stuples.
  • On-course reporters for featured groups will be Smiley Kaufman, Chantel McCabe, Carl Paulson, Ned Michaels, Matt Every, Ewan Porter and Gary Christian.
  • Advertisers on the Featured Holes stream on ESPN+ will include Grant Boone, Mark Donaldson, Steve Scott, Matt Every, Jeff Sluman and Jane Crafter.

PGA Championship with Joe Buck and Michael Collins

  • First of its kind in alternative golf broadcasting to supplement traditional coverage.
  • Produced by ESPN in conjunction with Peyton Manning’s Omaha Productions, following the success of the Monday Night Football with Peyton and Eli alternative telecast during the NFL’s final season.
  • Hosted by Joe malewho recently joined ESPN to anchor Monday night football next season, and ESPN senior golf analyst Michael Collinsthe host of the ESPN+ program America’s shopping cart.
  • Will feature an array of guests to offer ongoing commentary and conversation during live play.
  • Guests will understand Peyton and Eli Manning, Jon Hamm, Charles Barkley, Troy Aikman, Fred Couples and Josh Allenwith more guests to be announced later.
  • Four hours a day during the four days of PGA Championship competition.

ESPN+ Practice Round/Preview Programs Tuesday-Wednesday

ESPN+ will a