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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.

Nairn Open Tennis Tournament a resounding success as it receives recognition from Tennis Scotland for excellence as Tournament of the Year

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Colin Hanbidge, Jane Russell, Lisbet Christensen and Paul MacDonald.

Organizers of the 91st Nairn Open Tennis Tournament had plenty to celebrate as local members and visitors converged on the town for this year’s event.

Because the tournament has been recognized by Tennis Scotland for its excellence as the tournament of the year 2021.

Secretary Paul MacDonald said: “We are delighted to have this recognition not only for the tournament but also for Nairn as a tourist destination.

“The last time we won the award was in 1995 and last year we were finalists in the UK as well. [section] it is therefore a big congratulations to the organization and the work done by the committee.

“It’s important to the local economy and we’ve had over 100 competitors this year, many of whom have traveled to stay in Nairn spending money on hotels, shops, guesthouses and Airbnbs local.

“We know Nairn is a great place to live, but it’s also a great holiday destination and we’ve had generations of families return to Nairn for the tennis tournament because it has so much to offer.

“In the 1920s and 1930s it attracted some of Scotland’s best players. But we encourage players of all skill levels and that adds to its appeal with open and handicap events that competitors can participate in.

“The tournament was originally organized by the town council playing in the old Albert Street Courts and part of the agreement when the courts moved to Viewfield was that the event would continue.

“It was and continues to be a popular competition for tennis players who enjoy the circuit during the summer months.”

Tennis champions turn out to be aces

Jane Russell, from Dunfermline, first won the ladies’ singles in 1981 under her maiden name Jane Martin.

“I used to come here before I got married and consider Nairn my ‘happy place’ and will see my ashes strewn on the beach when I die,” she said.

“It really is a family tournament and the Nairn tournament is part of my family and my whole adult life. I always compete and I love it.

“My daughter and granddaughter now compete here and I will continue to come for the rest of my life to meet my friends and hang out on the beach looking at the Black Isle and the Cromarty Souters.”

Lisbet Christensen, from Nairn, ruled the tournament for 17 years.

“I am considered the grandmother of tennis and I love meeting friends who have been coming here with their families for generations. We had fired Elena Baltacha [former British Number One] competing here when she was 12 and another sporting personality was Welsh international football captain Alan Durban.

“It’s a great tournament that always attracts good quality players.”

The referee for this year’s event was Colin Hanbidge (64) of the Giffnock club.

The three-time men’s singles winner and multiple doubles and mixed doubles winner said: “I first competed here in 1973. It’s a tradition that former players are invited back to referee and I was delighted to accept the invitation last year and again this year.”

Colin competed regularly at Nairn until becoming a full-time coach in 1990.

“These tournaments were the mainstay of tennis in the 1940s, 50s and 60s, attracting many top players.

“Today they are seen more as holiday tournaments but they still attract the standard county players. This is a fourth year tournament and players come here to improve their rankings as much as to enjoy Nairn and all it has to offer. It’s a great tournament and the committee deserves this award.


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Business Gateway helps businesses in the North go digital





Business Gateway helps businesses in the North go digital



































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Latest Rangers loan review | Rangers Football Club

RANGERS currently have a number of first-team and Academy players on loan. Here’s our review of how those featured got along over the past week.

Cole McKinnon – Partick Thistle

After signing a three-year contract extension with the club, Cole joined Partick Thistle on a season-long loan in July and has had an incredibly positive start to the campaign.

The youngster was named in Ian McCall’s starting XI on Saturday as they traveled to Dens Park to face Dundee in the league.

McKinnon played all 90 minutes of the match and scored the winning goal in the 50th minute to put his side up 3-0 before the home side pulled back two points to end the score line 3-2 .

Thistle will face Hamilton Academical in the Championship at Firhill on Saturday for their next league game.

Tony Weston – Partick Thistle

Tony joined his teammate, Cole McKinnon, on loan at Partick Thistle this season where he also got off to a strong start with the Championship side.

The youngster was a 75th-minute substitute for the Jags at Dens Park on Saturday where they managed to earn three important points after a 3-2 win over Dundee.

Jay Hogarth – Alloa

After signing a new three-year deal with the club, Jay joined Alloa in July on a season-long loan, and he went on to make an impressive impact on Brian Rice’s side.

The Gers loanee was named in Wasps’ starting line-up on Saturday as they traveled to East End Park to take on Dunfermline in Scotland’s Ligue 1.

Despite the 1-0 loss, the team will host Kelty Hearts at Alloa Recreation Park for their next league game.

Murray Miller – Alloa

Murray also joined Alloa alongside teammate, Jay Hogarth, on a season-long loan with the League One side.

The youngster was named in Brian Rice’s starting XI on Saturday where he played the full 90 minutes of the game in their 1-0 loss to Dunfermline.

Alloa will host Kelty Hearts at home for their next match of the League One campaign.

Lewis Mayo-Kilmarnock

After signing a two-year contract extension with the club, the Gers loanee has joined Kilmarnock on a season-long loan in the Premiership campaign.

Mayo was named in Derek McInnes’ starting XI on Saturday as they started their league campaign with a point after a 1-1 draw with Dundee United at home.

The youngster played the full 90 minutes and the team will wait for their next game against Rangers at Ibrox, although Mayo is unavailable.

Ben Williamson – Dundee

After signing a two-year contract extension with the club, Ben joined Dundee on a season-long loan with the Championship side.

The light blue loanee was named in Gary Bowyer’s starting line-up on Saturday as they welcomed Partick Thistle to Dens Park. Williamson played 27 minutes of the game before being substituted early after taking a knock on the pitch.

Despite the 3-2 loss, the team will now look to Saturday where they travel to Stark’s Park to face Raith Rovers in the Championship.

Juan Alegria – Falkirk

Juan joined Falkirk last month on a season-long loan and has already managed to earn some significant playing time with the League One side.

The youngster was a 60th-minute substitute for John McGlynn’s side in their 0-0 draw against Montrose in the Championship campaign.

The team will quickly turn to Saturday where they face the Airdrieonians at the Excelsior Stadium for their next league match.

Josh McPake – Queen’s Park

Josh joined Queen’s Park in July on a season-long loan and was named in Owen Coyle’s starting XI on Saturday as they traveled to the Caledonian Stadium to face Inverness in the Scottish Premiership.

The youngster played the majority of the game after being substituted in the 86th minute where his side managed to take a point after a 1-1 draw.

The team will now face Ayr at Ochilview Park’s on Friday night in their next game of the league campaign.


  • LAYOUTS: Add matches to your mobile device calendar HERE

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New restaurant plans for Inverness and Skye substation works





New restaurant plans for Inverness and Skye substation works



































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Comments on the Dog Statue on the River Ness, the Ragwort Problem and Travelers in Culloden

The ragwort problem makes our efforts futile

Groundsel growing along a path in Wick Riverside. Photo: DGS

I AM amazed at the local council and their lack of attention over the years to the invasion of groundsel, in and around Inverness.

If we as farmers or crofters have this poisonous plant on our land, we are required by law to take action to try to remove it. We would be visited by the local department officer and threatened with a penalty or fine.

Each part of the ragwort plant is highly toxic and can be fatal if ingested by a dog. It is also very toxic to horses, cattle and sheep.

We strive on our farm, as do most responsible farmers, to eradicate ragwort, but it is not surprising that this practice is completely futile given the acres of stuff along the distribution route and among all the houses and on the roadsides through Inverness. .

The general public is often misled into thinking it poses no risk and is a wildflower – perhaps if they knew the risks to themselves and their animals, their opinions would no doubt change.

Normally, I wouldn’t start proclaiming in our local newspaper, but surely the officials have to do something about this problem?

Christine Smith

Farr

Which River Ness “work” do you prefer?

The new art installation in front of The Gathering Place.  Pictured: James Mackenzie.
The new art installation in front of The Gathering Place. Pictured: James Mackenzie.

The chainsaw Labrador dog sculpture placed in protest near the controversial Gathering Place by some members of the Inverness Angling Club may be removed by the Highland Council.

“The dog wins hands (legs?) on three points. Visually, it’s much nicer. It is infinitely more profitable. And finally, it shows how simply and directly the shoreline can be improved without imposing unwanted and deeply unpopular horror on Inverness and dealing the biggest blow to the credibility of the local council in living memory. –Charles Bannerman, Inverness

“The Labrador carving is an asset to the riverside and is real art compared to the so-called art of Highland Council’s Gathering Place, which in no way improves anything on our riverside.

“It’s the biggest waste of money ever and money that could have been put to much better use.

“The council should bow their heads in shame – they’re looking very stylish to go ahead with this monstrosity.” –Brian Leitch, Inverness

“I totally support this gesture (rude or not) [installation of protest do sculpture]. Highland Council hopes over the controversy surrounding the installation of this uninspiring concrete block [Gathering Place] will go out but not and this canine sculpture proves it. – Dancy Joan, Inverness

“This beautiful sculpture reminds me of my dog ​​who truly lived up to his Gaelic name – Dìleas – faithful.” –Laura Martin, Troon

“The idea of ​​placing the Labrador near the ugly wall is a great and elegant way to draw people’s attention to the madness of this pointless waste of money.

“It’s bad enough to build this structure in an unspoiled and beautiful part of the Ness Islands, but wasting £800,000 of council taxpayers’ money on this when people will struggle to pay council tax is criminal incompetence.” –Alan Roberts, Dingwall

“It all boils down to what makes the most sense and brings joy to people. A dog symbolizes unconditional love, kindness and loyalty. That really says it all!” –Terri MacDonald, Inverness

“Now and in years to come, the catwalk will be seen as a viewpoint and has nothing to do with art.

“The Labrador, however, is definitely a work of art.” – May McIntosh, Alltsaigh

“The sculpture in Labrador is much more reflective of the region and the users of the islands than the dreadful Gathering Place, which disturbs visitors.

“Let’s hope the council accepts the new sculpture.” – Marjory Shane, Inverness

“The dog sculpture is lovely, just a shame it’s in the same neighborhood as this concrete monstrosity.” – Kathleen Main, Inverness

“The only thing the council should consider removing is the visual pollution that is the gathering place.

“The public didn’t want it but they made the incredulous decision to waste money on it and not listen to public opinion.

“The dog sculpture is brilliant and should stay.

“There will be an uproar if the council decides to remove this instead.” – Sharon Milsum, Inverness

Travelers at the new camp in town

Travelers camping near Culloden Roundabout and Culloden West.
Travelers camping near Culloden Roundabout and Culloden West.

A GROUP of travelers are still at an unauthorized camp in Culloden.

“Come on, let’s get this sorted and get this sorted out before more come.”

“I totally respect their culture and their beliefs, but let’s talk about the environment.

“I hasten to add that it’s not all travelers but some leave so much rubbish behind and there is the lack of toilets.

“We all need a place to live and I’m sure there are plenty of places to settle, but come on, just by the side of the road with no facilities – shocking.

“I’m sure I’d be moved quickly if I parked somewhere for a while.

“I’m tired of people belittling their culture in a time when we hear so much about inclusion; communicate with them.

“Asking them to have portable toilets and leave no litter isn’t rocket science, but are the powers that be afraid of them?

“Respect each other and communicate.” – Ellen, Inverness

” What is the problem exactly ? Travelers exist.

“They will try to find places to settle. People clearly don’t want them to exist and that’s not healthy.

“Leave them alone.” –Ryan McGuinness, Dingwall


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Willie West is set for a landmark as Fraserburgh and Buckie face off





Willie West is set for a landmark as Fraserburgh and Buckie face off



































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The Best Places for Free Wine Tastings in Denver and Boulder

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Colorado in general and the Denver area in particular is known for its great microbreweries and breweries, but it’s also a place where locals know and love their wine. Colorado passed a law several years ago allowing wine and liquor stores to hold in-store wine tastings. Customers can taste four 1-ounce samples (4 ounces total per tasting) of wine, beer or spirits. Many stores pride themselves on offering wines in small quantities that may not be available elsewhere in the metropolitan area.

Source: PhotoDepot

Knowledgeable staff members can guide customers through the tasting process and also discuss the grapes, the terroir where they were grown, and the winemaker’s approach.

Here are some stores in the metro area that offer FREE wine tastings (sometimes including cheese and crackers or other small bites as well).

Our top picks:

The Boulder Wine Merchant

If you have seen the film “Somm”, you have an idea of ​​the rigor of the examination of Master Sommelier. There are currently only 56 of these elite wine experts in the entire United States.

And two of them founded The Boulder Wine Merchant, Wayne Belding and Sally Mohr, who became the second woman to achieve this status.

In 2010, the torch passed when fellow Master Sommelier Brett Zimmerman purchased the store. It is known for its knowledgeable staff and for selling only fine, carefully selected wines at surprisingly reasonable and always fair prices.

Rare wines are secured at the back of the store. Wednesdays, 5-7 p.m. 2690 Broadway, Boulder.

Divino Wines & Spirits

This shop dropped anchor on South Broadway in Denver before South Broadway was really cool. In fact, we think Divino has elevated the street in the eyes of wine connoisseurs, beer lovers, and others who appreciate the diverse selection of adult beverages and the good life they represent.

The space is long and narrow with wine bottles on custom light wood shelves on either side, so when you walk through, you’ll feel like you’re in a tunnel of wine. Also be sure to check out the store’s unique wine posters.

Tastings take place on random Saturdays each month, check Instagram @divino_wine_spirits for dates and times. 1240 S. Broadway, Denver.

Mondo Vino

This is the original neighborhood wine store in the booming Highlands district. This spacious convenience store has quickly become known for a good selection of wines from German-speaking countries and Eastern Europe which are vastly under-represented in this country.

Tucked away at the back of the store is the vaulted “cellar” where the rarest wines are kept. See you on Fridays and Saturdays from 4 p.m. to 6 p.m. for a taste of what’s new and what’s new. 3601 W. 32nd Ave, Denver.

Grab a glass of wine for free at one of these places. Photo by Linnea Covington

Spero Wine Estate

This is a family owned and operated location just outside of North Denver. The winery was founded by Clyde Spero, who learned to make wine from his father Gaetano.

As a teenager, Gaetano left his hometown of Potenza, Italy and traveled until he found himself in Colorado. He started working in the mines in southern Colorado.

Eventually, Gaetano began making his family’s annual wine cache, teaching his son along the way. In 1999, Clyde opened his small winery, finally serving his family’s wine with other people. Taste the wines for free every Saturday from 1 p.m. to 5 p.m. 3316 W. 64th Ave.

Find more free wine tastings

Amore VinoEnglewood. First and third Saturday of the month from 1 p.m. to 4 p.m. 10111 Main Street of Inverness

Argonaut wines and liqueursDenver. Irregularly scheduled tastings; click “Events” on the store’s homepage or call 303-831-7788. 760 E. Colfax Ave.

Bevy’s Liquor WorldLittleton. To come on license hold, check the website or call 303-551-7000 for updates. 5869 S Alkire St.

World of bubble liquorsStone Castle. Several Fridays from 3-5 p.m. Check if they are hosting by calling 303-468-8100. 675 Way of Genoa.

Davidsons Beers, wines and spiritsHighland Ranch. Fridays from 3 p.m. to 6 p.m. 5555 Boatworks Dr.

Hazel’s World of BeveragesBoulder. Starting August 5, 2022, call 303-447-1955 for details. 1955 Pearl Street.

Heritage wines and spiritsCentenary. Saturdays 2-4pm Heritage Place Shopping Centre. 7475 E. Arapahoe Rd.

Amazing wines and spirits, Village of Greenwood. Fridays, from 3 p.m. to 7 p.m.. and Saturday, 2 p.m. to 6 p.m. Arapahoe Marketplace, 8557 E Arapahoe Rd.

King SoopersGlendale. Fridays and Saturdays from 4 p.m. to 6 p.m. 4600 Leetsdale Drive

Molly’s SpiritsDenver. Tastings are random, check the website under “Events” to find out what and when. 5809 W. 44th Ave.

Pearl Wine Co.Denver. Tastings on Wednesdays and Thursdays from 4 p.m. to 7 p.m. 1886 S. Pearl Street

Whole Foods Wines & SpiritsBoulder. Wednesdays, 4 p.m. to 6 p.m.. (in collaboration with the grocery section of the market) and Saturday, 4:30 p.m. to 6:30 p.m.. (can be wine, beer or spirits). 2905 Pearl Street.

World Market, Cherry Creek/Glendale. Saturdays, 1 p.m. to 4 p.m. Includes a small snack at the wine shop and once a month more samples at the main store. At Skyline Plaza, 770 S. Colorado Blvd., 303-758-0530.

In addition, tasting rooms at Front Range Vineyards (not vineyards where the grapes are grown but wineries where the wines are made) offer samples of their own wines.

Rated signings and league prediction





Arbroath end of season report: noted signings and championship prediction



































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New Learning and Childcare (ELC) building at Hilton Primary School in Inverness with capacity for 129 children and four new classrooms

Left to right, Darren Douglas, Morgan Sindall Project Manager, Cllr David Gregg, Cllr Isabelle MacKenzie, Ian MacDonald, Morgan Sindall Scotland North Special Works Manager; with school students. Photo by Tim Winterburn

A new 129-child capacity Learning and Child Care (ELC) building at Hilton Elementary School has been completed and handed over to the school.

The purpose-built facility offers four new ELC classrooms with access to outdoor space, a new reception area, change room and dining room.

External improvements have been made to the playground by relocating the cutting path and orchard, the provision of a new basketball court, as well as improvements to the layout of the existing car park, new bays to bikes for active travel and a drop-off area.

Construction Forum students proudly display their certificates of achievement in front of the building entrance.  Photo by Tim Winterburn
Construction Forum students proudly display their certificates of achievement in front of the building entrance. Photo by Tim Winterburn

Inside the existing school, the original crèche spaces have been redeveloped to provide a new staff base and toilet facilities.

Housing and Real Estate President Cllr Glynis Sinclair said: “It is great news that students at Hilton Elementary School have a brand new ELC building to enjoy.

“The building is an asset to the community but also to the council as its design will help achieve our ambitious net zero carbon targets which are at the forefront of reducing waste, reducing embedded carbon and reducing carbon while throughout life.

“Thank you to Council Officers and Morgan Sindall for working and collaborating together over the past three years to deliver this vital building which will help minimize our impact on the environment.”

The new Hilton ELC building seen from above.  Photo by Ewen Weatherspoon
The new Hilton ELC building seen from above. Photo by Ewen Weatherspoon

The building’s design is also in line with Morgan Sindall’s community decarbonization strategy.

A group of students from Hilton Elementary School participated in a building forum created in collaboration with the school and Morgan Sindall.

Morgan Sindall organized a weekly site visit to discuss his progress and answer questions from students, who would then report back with an update to their class.

To recognize their work throughout the project, certificates of achievement were awarded to students at the construction forum.

The certificates were signed by Morgan Sindall and the school principal.

Education Chairman Cllr John Finlayson said: “Kudos to the students at the school building forum for ensuring their classmates were updated each week on the progress of their new ELC building.

“It is great that the school and Morgan Sindall have offered the students the opportunity to have a unique learning experience by involving them directly in the project with site visits and taking the time to answer all their questions.

“It is important that our children be encouraged to take an interest in the evolution of their school environment while learning about the world of work and the construction industry.

“Their involvement will help to enhance not only their own learning experience, but also that of other students in the future.”


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Cigno’s ‘greedy and evil’ payday lender’s cat-and-mouse game with ASIC continues

Laura Platt was in desperate need of money to repair her car when she saw an advertisement for Cigno, which offered “quick cash loans of up to $1,000”.

Ms. Platt downloaded a bank statement from the Cigno website and a few hours later $300 landed in her bank account.

“It was approved, right away. And I didn’t really look into the details,” Ms. Platt said.

Shortly after getting her first loan from Cigno, she successfully applied for $200, as she thought she had paid off her original debt.

However, Mrs. Platt did not realize that her $300 loan had also resulted in high account maintenance fees.

She has trouble repaying the loans. Two years later, after being hit with maintenance and late fees, she ended up paying Cigno $2,600, of which she still owes $32.

“[I am] completely confused and stressed because I already paid the money,” she said.

Legal gaps

Consumer advocates say Ms Platt is one of many Cigno customers who found themselves spiraling into debt after taking out a loan from the Gold Coast-based company.

On its website, Cigno advertises products such as “Centrelink loans without credit check”, “Bad Credit Centrelink loans”, “Payday loans for Centrelink customers” and “Online loans for Centrelink customers”.

“This lending model causes more harm than any other form of credit,” said Tom Abourizk, director of policy at the Consumer Acton Law Center.

Consumer Action Law Center policy manager Tom Abourizk says the federal government needs to act urgently to update credit laws.(ABC News: Simon Tucci )

Corporate regulator ASIC has been playing cat and mouse with Cigno for years.

The company circumvents credit laws by using exemptions from the National Credit Code.

“It is loan shark activity, and it is desperate that it must be stopped as soon as possible,” Mr Abourizk said.

Buy now, pay later companies and payday advance products are also currently exempt from credit laws.

On July 15, ASIC used its special powers of intervention to ban the short-term and continuous credit lending models used by Cigno and its associated lending entity BHF Solutions.

ASIC previously banned one of these loan models in another action order, but that order expired in 2021.

It came after ASIC won an appeal to the full Federal Court against Cigno and BHF Solutions last month, in a decision that sided with the regulator’s position that the companies were offering a form of credit captured by the National Credit Code because of the amount of fees they charge.

It overturned a Federal Court decision in June 2021.

The judgment included the example of a woman who, assuming she made her payments on time, had to pay $177.75 in fees for a $200 loan and $231.80 in fees for a $300 loan. $.

On Monday, Cigno and BHF Solutions filed for High Court leave to appeal the Federal Court’s decision. The High Court will have to decide whether or not to hear the appeal.

Meanwhile, Cigno is still offering loans on its website with slightly lower fees than those referenced in the Federal Court ruling.

According to Cigno’s website, customers must pay the lender’s fees and Cigno’s service fees.

The company says a typical $300 loan “could look like this”: $129.90 Cigno account maintenance fee, $15 additional fee for changing repayments, $79 decline fee and a default payment penalty of $20.

The website also states that the cost “will vary depending on the loan and payment options you choose.”

An ASIC spokeswoman said the regulator is investigating the legality of the pattern.

“ASIC is aware that Cigno (Cigno Australia Pty Ltd) continues to offer services for arranging loans on its website. ASIC reviews the product and loan model, including whether the conduct violates product intervention orders,” an ASIC spokeswoman said. said.

If so, it would be the third time Cigno has created a new loan model to circumvent ASIC bans and credit laws.

“The Cigno website still appears to be operating as usual,” Mr. Abourizk said.

“That means people can still be ripped off with the same excessive fees they’ve charged on loans they’ve taken out to date.”

Small loans generate big profits

The amount of money Cigno has made from his loans is far from a small change.

The company’s full financial history is not public, but federal court documents show that in five and a half months, Cigno took out 166,045 loans totaling more than $46 million, and the total amount billed in fees (plus principal) for these loans was over $61 million.

Cigno describes itself as an “agent to help you get a loan from lenders” rather than a lender itself.

BHF Solutions describes itself as “Australia’s leading expert in business advisory and financial advice”.

The ABC contacted Cigno, BHF Solutions and the law firms acting on behalf of the two companies but did not hear back by the publication deadline.

Financial Counseling Australia chief executive Fiona Guthrie said the federal government must act urgently to update Australia’s credit laws.

“As soon as regulators try to fill one hole in the law, they find another,” she said.

Fiona Guthrie wears a black jacket over a white top.
Fiona Guthrie of Financial Counseling Australia says Cigno is a predatory lender.(ABC News)

Mr. Abourizk said that depending on the outcome of the legal proceedings, CALC would encourage ASIC to seek ways to compensate Cigno customers.

“If there is a possibility for a remediation or offset project, they should definitely look into it,” he said.

“Our concern is that they might find the cupboards empty if it gets to this point with Cigno, as other predatory lenders like this have in the past.”

“Predatory Company”

Ms Guthrie said Cigno’s model targeted vulnerable people.

“Financial advisers would describe them as a predatory company,” she said.

Ms Guthrie hopes the High Court will reject BHF Solutions and Cigno’s request to hear her appeal.

“We can’t have companies like this operating in the Australian market, it’s so dangerous,” she said.

“There are costs to the wider community because we end up with people under financial and mental stress. They end up in hospital and they end up in food relief services.”

“It’s pretty clearly credit. It’s an avoided credit lending model. And there’s no legal reason for it to continue.”

Ms Platt said her struggle to repay fees added to her loan amount meant she was forced to cut back on essentials such as groceries.

“They’re cold-hearted, greedy and mean. They’re horrible,” Ms Platt said.

“I would never recommend them.”

Caley Thistle head coach Billy Dodds hails impact of effective summer signings





Caley Thistle head coach Billy Dodds hails impact of effective summer signings



































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London narrowly avoided blackout as electricity prices jumped last week

Britain paid its highest ever price for electricity in London last week as the capital narrowly avoided a power outage, we have learned. (Gareth Fuller/PA)

Britain paid the highest price on record for electricity in London last week as the capital narrowly avoided a blackout, it has been learned.

National Grid’s Electricity System Operator (ESO) was forced to pay Belgium £9,724.54 per megawatt hour, more than 5,000% more than the usual price, last Wednesday to avoid a blackout. electricity in south-east London, as first reported by Bloomberg.

A sequence of problems around the hottest days on record in the UK has caused extreme stress in the electricity system and increased demand.

Temperatures topped 40C in the UK last Tuesday and firefighters in London reported their busiest day since World War II as the heatwave sparked hundreds of blazes across the city.

Rising power demand across Europe combined with a bottleneck in the grid has forced the ESO to buy power from Belgium at the highest price Britain has ever had paid to maintain the current.

Other factors, including scheduled outages for overhead line maintenance and a storm in Belgium impacting solar power, strained the system.

While the amount bought at the record amount was minimal – apparently enough to supply eight homes for a year – it revealed the UK’s reliance on importing electricity from overseas interconnectors, in particular the France, Belgium and the Netherlands.

A National Grid ESO spokesman said while another generation was available on Wednesday, power outages over the summer period meant a specific circuit was needed to get electricity to the right place.

National Grid ESO said: “We were bidding in a tight market and market prices were high that day because Europe also wanted power.

“We managed the system and kept the electricity going southeast.”

National Grid, which manages the UK’s infrastructure, added that although it plans to strengthen networks across the UK, importing electricity from abroad has cost advantages for consumers.

But Wednesday’s exorbitant transaction could be felt by households in their next energy bills, with energy suppliers passing on the costs.

CT consumers will get a refund from the payday loan collection agency

CONNECTICUT — The state’s banking department has reached a settlement with a consumer collection agency trying to collect payday loans that can’t be enforced in Connecticut.

Connecticut-licensed consumer collection agencies cannot collect on small loans (less than $15,000) from unlicensed non-exempt lenders, including those affiliated with tribes. Small loans made to Connecticut consumers by licensed or exempt lenders that charge more than 12% interest are illegal.

Connecticut DOB has reached a consent order agreement with TruAccord Corp that will reimburse a total of $44,000 to 103 Connecticut consumers.

Tribal Sovereign Immunity protects tribes and federally recognized entities that are “arms of the tribe” from certain enforcement actions under state law, but it does not apply to law enforcement agencies. consumer recovery.

“While the Department has done a great job downplaying what is widely known as ‘payday lending‘ here in Connecticut, we still see unlicensed out-of-state businesses engaging in this practice and consumer collection agencies attempt to collect this debt,” Banking Commissioner Jorge Perez said in a statement. “I want to be clear that any company originating loans in this state that violates Connecticut law with excessive interest rates and collection agencies trying to collect that debt will be investigated by the Department.”

Career path | David Davis

wolves (2009-2014)

After spending time at Walsall as a child, David Davis was scouted by the club aged 15 and the midfielder was awarded a two-year scholarship in 2007. Two years later, Davis signed his first professional contract. He made his senior debut for Wolves in a League Cup second round tie with Northampton in August 2011, before bowing out to the Premier League in a 2-0 loss to Blackburn Rovers in March 2012, winning the club’s Man of the Match award. That same season, he won our Young Professional of the Season award. In and out of the side for the rest of his Wolves career, Davis finally left for Birmingham City in 2014, having made more than 50 appearances for old gold.

Darlington (2009 – loan)

Davis’ first taste of senior football came for Darlington on loan. He made his debut for the club just two days after arriving but only made five more appearances when he was waived, before the weather forced games to be postponed and Davis returned to Wolves.

Wallsall (2010 – loan)

Davis returned to the club where he was a child, but this time only for a month. He played six games during this period, but the team struggled, winning just one game. Davis had impressed, however, and they renewed his contract for another month. But, Mick McCarthy had the option of calling him up on 24 hours’ notice, and due to Wolves’ injury problems, Davis returned to old gold after just one more appearance for Walsall.

Town of Shrewsbury (2011 – loan)

Davis’ third career loan move saw him venture to Shrewsbury Town for the second half of the 2010/11 campaign. His first-ever senior goal came for the club against Northampton, and he added to that tally on the final day of the season in a 3-0 win over Oxford. Shrewsbury narrowly missed out on automatic promotion and fell at the final hurdle after losing to Torquay in the League Two play-off final.

Inverness Caledonian Thistle (2011-2012 – loan)

Davis’ first and only move outside of England came on a six-month loan to Inverness Caledonian Thistle in the Scottish Premier League. 14 league starts followed, in which Davis scored once – a curler just outside the penalty area against Motherwell – but the midfielder left in January 2012 in order to be closer to home . Manager Terry Butcher would have liked to extend Davis’ contract, but he opted to return to England.

Chesterfield (2012 – loan)

Davis only played 11 times for Chesterfield before being recalled to Wolves following Karl Henry’s injury, meaning he missed the Football League Trophy final, which Chesterfield won.

City of Birmingham (2014-2021)

Davis decided to leave Wolves in 2014, and fellow West Midlands side Birmingham City was his chosen destination. For the first time in his career, Davis was a regular at a permanent home, and he thrived. Under Gary Rowett, Davis played every league minute for Birmingham between late October and mid-February when a knee injury halted his progress. The following year, however, Davis was once again restricted to a small role, before earning a place in the starting XI at the start of the 2016/17 campaign. His goal against Aston Villa that year earned the club the Moment of the Season award, and he finished 2016/17 with 40 starts in the Championship – by far a career high – and the player of the season award. Birmingham. His contract finally expired in early 2021 and he was released. In total, he made almost 200 appearances for the club.

Charlton Athletic (2020 – ready)

Before leaving Birmingham, Davis played five times for Charlton before the Covid-19 pandemic brought football to a halt across Europe.

Town of Shrewsbury (2021-present)

Davis joined Shrewsbury in January 2021, but this time on a permanent basis. He has played over 30 times for the club since his return and is now a regular in the Shrews engine room.

Week of criticism and revelations about the Home Office’s handling of the migrant crisis

The Home Office’s response to the migrant crisis has been the subject of a series of critical reports and revelations about its policies this week.

The latest news that Britain stands to lose £120million it paid to Rwanda if its plan to deport migrants is found to be illegal by the courts, came amid court revelations about the controversial policy as well as several reports containing damning conclusions and increasing number of passages.

(PA graphics)

Here are the developments so far:

– Monday

The House of Commons Home Affairs Committee concluded there was “no evidence” that the Rwandan policy acted as a deterrent.

Home Secretary Priti Patel last week backed out of questioning MPs and then refused requests from the committee to appear before them before Parliament’s summer recess.

So far, more than 15,000 people have been registered in the UK in 2022, almost double the number registered at this time last year (7,735).

– Tuesday

A High Court hearing revealed that the Foreign Office advised the government against sending migrants to Rwanda on human rights grounds.

Several asylum seekers, the public and commercial services union and charities Care4Calais, Detention Action and Asylum Aid are challenging the legality of the Home Office policy, with next hearings scheduled for September and October.

The first deportation flight was grounded in June amid legal challenges and subsequent court hearings have raised the possibility that it will not be attempted again until winter.

Some migrants with removal instructions from Rwanda have already been released from immigration detention as, for now, another flight has not been scheduled.

Home Secretary Priti Patel (James Manning/PA)
Home Secretary Priti Patel (James Manning/PA)

Since Ms Patel signed the deal with the East African nation, more than 1,000 migrants have crossed the Channel.

– Wednesday

The Home Secretary pledged to overhaul Border Force, which Prime Minister Boris Johnson decided to relinquish responsibility for tackling crossings in April. The Ministry of Defense (MoD) is now leading the operation.

It came after a review, commissioned by Ms Patel and carried out by former Australian immigration minister Alexander Downer, found the Home Office agency was operating at a ‘suboptimal level’ and was stretching its resources in an “unsustainable and highly inefficient” way.

There were “significant systemic challenges” and he seemed to be “struggling to break out of a crisis management cycle, react to the latest challenge and prepare for the next, however predictable the next challenge may be”. Border Force may have been ‘counterproductive’ in the way it handled Channel crossings, the report added.

Crossings came to a halt for the first time after a 12-day spell of migrant arrivals, the longest consecutive run so far this year. Some 2,218 made the crossing between July 8 and July 19.

Meanwhile, it has emerged that a drone brought in by the government in a bid to limit Channel crossings has been found floating in the sea by fishermen after it malfunctioned.

– Thursday

Chief Borders and Immigration Inspector David Neal finds the Home Office’s response to increased Channel crossings “poor” and “the system is overwhelmed”.

David Neal, Independent Chief Inspector of Borders and Immigration (ICIBI Corporate Services/PA)
David Neal, Independent Chief Inspector of Borders and Immigration (ICIBI Corporate Services/PA)

The problems arose mainly due to a “refusal” by the government department to move from an “emergency response to what quickly became a steady state, or status quo”, he said.

Meanwhile, the Refugee Council said the number of asylum seekers “laning” in hotels had nearly tripled in the past year.

Home Office data obtained by the charity showed that in December more than 200 hotels were in use and around 10% (around 2,500) of those staying there were children.

Nearly £5million a day is spent on housing asylum seekers in hotels.

– Friday

The Rwandan government confirmed it had received £120m from the UK – the full upfront payment for the deal the UK signed in April – and said the funds were already “committed”, with part of the money spent on preparations for arrivals.

Officials said they were “committed” to making the deal work and would seek “solutions” if the courts blocked the plan from moving forward.

Malky Mackay plans to give William Akio his Ross County debut against East Fife





Malky Mackay plans to give William Akio his Ross County debut against East Fife



































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Payday loan initiative won’t get Michigan to vote, canvassers rule

DELTA TOWNSHIP, MI – Michigan’s November ballot will not include any legislative initiatives after the state’s Superior Election Commission ruled that a proposal to crack down on predatory payday lending failed to gain enough signatures .

The Board of State Solicitors voted 4-0 to accept the Elections Office’s recommendation that Michiganders for Fair Lending do not qualify for the ballot. The office one sample review of the nearly 400,000 signatures submitted, it is estimated that only 274,668 were valid, meaning the initiative fell short by around 72,000.

“It’s not a close call,” said Andrea Hansen, an attorney for the opposition group Safe Lending Michigan.

Fair Lending was the only one of 10 legislative initiative petitions to submit signatures by the June 1 deadline and said it was confident in the accuracy of its petition materials due to an internal quality control process.

Line-by-line review by the Elections Office of a representative sample of approximately 500 signatures revealed that more than 1 in 5 were invalid, the most common reason being that the person was not registered to vote in the good jurisdiction.

A challenge from Safe Lending Michigan also invalidated some signatures. Fair Lending challenged about 1,400 rejected signatures and succeeded about 300, Bureau Director Jonathan Brater said, but that wouldn’t have been enough to make up the difference.

“Even if all the signatures they think should be turned over were counted,” Brater said, “it wouldn’t affect the projection here in terms of validity, just because they ended up being short by a considerable margin. .”

No one from Fair Lending appeared Thursday to plead further. The initiative would have prevented payday lenders from charging predatory interest rates, attempting to give people access to small loans instead of trapping them in debt.

Thursday’s meeting was the first for newly appointed Republican canvasser Richard Houskamp. The Council is made up of two Republicans and two Democrats, nominated by their political parties and appointed by the Governor.

Although no legislative initiative is on the ballot in November, two proposed constitutional amendments are still in effect after submitting signatures for consideration last week. Petitions for abortion rights and increased access to voting have each achieved the minimum number of signatures in the hundreds of thousands.

The canvassers are then due to meet on Aug. 19, when members decide whether to certify the results of Michigan’s Aug. 2 primary election.

Learn more about MLive:

Republican chosen for Michigan Electoral Board focuses on law, not politics

Michigan abortion rights advocates have signed 150,000 signatures and hope to avoid challenges

Petition to expand early voting in Michigan, absentee access submits 670,000 signatures

Home sales fell 54.3% in June compared to the same month in 2021

The number of house sales fell by around half in June compared with the same month a year earlier, according to figures from HM Revenue and Customs (Anthony Devlin/PA)

The number of house sales in June was down around half from the same month a year earlier, according to figures from HM Revenue and Customs (HMRC).

In the UK, around 95,420 homes changed hands in June, marking a 54.3% drop from the 208,750 sales recorded in June 2021.

HMRC said the figures should be treated with caution as transactions in June 2021 were significantly affected by the stamp duty holiday, which ended last year.

He said there had been significant spikes in sales in March, June and September 2021, caused by a temporary increase in “zero rate” property tax brackets.

The June total was also 7.9% lower than the number of transactions that took place in May of this year.

Our own data indicates that sentiment remained positive in June

Jason Tebb, OnTheMarket.com

Andrew Montlake, managing director of mortgage broker Coreco, said: “Deals are down significantly from June 2021 as last year’s data was skewed by the stamp duty holiday.

“The slowdown in transactions compared to May this year is likely a sign of things to come as people become increasingly cautious as rates rise and the cost of living crisis deepens. However , for now at least, the job market remains solid and this will ensure that transactions do not tumble.

Anna Clare Harper, director of real estate tech platform IMMO, said fewer transactions add “fuel to the fire of the market’s biggest problem right now: the shortage of quality homes to buy or rent”. .

Jason Tebb, managing director of property research website OnTheMarket.com, said: “Our own data indicates that sentiment remained positive in June, with 81% of sellers confident they could close a sale within three months. “

Claritox Pro review – What you need to know before you buy!

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Claritox Pro is a unique formula created by Jim Benson, 67, to help treat dizziness and improve your overall health. According to this Memphis resident, he spent ten years researching and studying to develop this herbal dietary supplement. He discovered the right plants and herbs to support the good health and functioning of bodily systems in his study.

According to the official website, Claritox Pro is prepared in an FDA approved facility here in the United States by combining a particular ratio of mineral and botanical extracts, namely: Green Tea, Zinc, Chromium, Milk Thistle, Korean Red Ginseng, Berberine, Cayenne and banana.

Benefits of Claritox Pro

Due to changes in eating habits, weather, alcohol, smoking, improper workout routines, and other reasons, many people complain of feeling dizzy or lightheaded. Although feeling dizzy can be traced to an underlying condition, most of the time it shouldn’t be cause for alarm. Nevertheless, you should consult a doctor if you constantly feel dizzy.

Claritox Pro claims to help:

  • Improve your brain health.
  • Reduce the incidence of dizziness.
  • Prevent risky injuries caused by dizziness.
  • Strengthens the body’s immunity.

What makes Claritox Pro unique?

According the manufacturer of Claritox Proit has the following properties:

  • 100% pure and natural. Jim Benson says he sources his ingredients from local growers that naturally allow the plants to reach full maturity.
  • Contains no additives. All ingredients are grown without the addition of herbicides, pesticides or any other chemicals.
  • Quite effective. All ingredients are properly prepared and mixed in the right proportions to ensure they remain potent.
  • Claritox Pro is manufactured in the USA in FDA approved and GMP certified facilities. The facilities are regularly sterilized, according to strict and precise standards.
  • There are no harmful toxins or dangerous stimulants in Claritox Pro.
  • Users can consume Claritox Pro without fear of becoming addicted to these capsules.

What can cause dizziness?

Vertigo is the disorienting feeling of being dizzy, usually accompanied by a spinning sensation. Some people may feel nauseous or vomit after feeling dizzy. Various medical conditions that can cause dizziness include high blood pressure, high blood sugar, hearing system problems, vertigo, poor blood circulation, motion sickness, anemia, stroke, head injury, among others. You can reduce dizziness by:

Be sure to drink enough fluids, especially water, throughout the day. Staying hydrated can reduce the incidence of dizziness, especially in hot weather. Strive to drink about eight ounces of clean water a day.

Ginger is an herbal remedy that has been used for centuries to relieve symptoms of dizziness and motion sickness. To effectively consume ginger, add a freshly ground piece to your food and drink.

Be sure to get enough doses of vitamin C naturally from citrus fruits, bell peppers, grapefruits and strawberries. Vitamin C is an antioxidant that boosts your immunity, improving your overall health.

Get enough iron in your diet. Iron helps produce red blood cells which ensure you have enough blood to carry vital nutrients throughout your body system. Iron-rich foods include black beans, dark leafy vegetables, and lean protein from poultry and beef.

When you feel dizzy, be sure to lie down as soon as possible until you feel better.

Claritox Pro Ingredients

Green tea

Green tea is extracted from the Camellia sinensis plant. Jim Benson claims to have used the dried leaves of the green tea plant to help improve your cognitive functions such as clarity and thinking. Green tea extracts in Claritox Pro can help lower blood cholesterol levels in the system. Subsequently, this product improves blood circulation and helps increase the metabolism of the body. As a result, regular use of Claritox Pro helps overweight people lose weight when combined with other weight loss programs.

Zinc

Zinc is a vital mineral that helps your body produce cells and improve your immunity. Although this mineral is not needed in large amounts, zinc deficiency is known to cause dizziness. Pregnant women with low zinc levels may have bouts of nausea and dizziness, especially during the first trimester. Jim Benson claims that the addition of zinc in Claritox Pro will help pregnant women enjoy a peaceful gestation period.

Chromium

Chromium is classified as a trace mineral because it is needed in your body in trace amounts. According the creator of Claritox Pro, adding this crucial element helps keep your blood sugar in balance. Chromium supports the production of enough insulin in your body, thereby keeping blood sugar levels in balance.

milk thistle

Also called silymarin, this flowering herb is believed to help lower cholesterol levels in your body, thereby improving your heart health. Additionally, milk thistle may help type 2 diabetic patients regulate blood sugar. Due to these properties, the maker of Claritox Pro adds enough milk thistle to help improve your health and thus prevent dizziness.

Red Korean Ginseng

Red Korean ginseng is an ancient Asian herb used for its medicinal properties. Red Korean ginseng may help boost your immunity, balance your blood sugar, and improve your heart health. Jim Benson shares that he used the necessary dose of ginseng in Claritox Pro to ensure users get the most benefit.

Berberine

Berberine is made from various herbs, including barberry, turmeric, Oregon grape, and goldenseal. According to research, berberine can be used to treat obesity, high blood sugar, and inflammation. Berberine works by ensuring that your body’s cells work harmoniously to fight disease with minimal side effects. As a result, the creator of Claritox Pro has added enough berberine to the product to keep consumers healthy.

Cayenne

Cayenne pepper is added in small amounts in Claritox Pro to provide users with therapeutic benefits such as pain relief. Likewise, cayenne pepper helps increase the body’s metabolism, which helps in burning fat and losing weight.

Dosage of Claritox Pro

Before consuming Claritox Pro, be sure to consult a qualified doctor. If you are taking other medications, it is best to avoid adverse drug interactions by getting prior instructions from your doctor. The recommended dose for Claritox Pro is two capsules taken twice a day. It is advisable to eat one Claritox Pro pill in the morning and the other in the evening after meals.

Jim Benson assures consumers that Claritox Pro capsules are unlikely to cause side effects, as all ingredients are of natural origin. However, some users may experience allergic reactions when consuming Claritox Pro. If you feel any discomfort, it is better to stop the dosage immediately and consult a doctor.

Claritox Advantages Disadvantages

You can only buy Claritox Pro on their official website as it is not available in physical stores or any other online store.

Jim Benson reveals that this product is in limited quantity and once orders are filled, it can take at least 8 months to produce another batch.

There is little information about Claritox Pro on the Internet.

How to buy Claritox Pro

make sure buy a genuine bottle of Claritox Pro from their official website. The Claritox Pro company assures online shoppers that the payment system is secure and that their information is safe. You can use your debit or credit card to make the payment. After a successful purchase, your package of Claritox Pro will be shipped free of charge to your designated location in less than seven days. Below are the following prices:

  • 1 bottle: $69.99
  • 2 bottles: $177
  • 3 bottles: $294

Even though the Claritox Pro supplement has many benefits, the company offers a 60-day money back guarantee if the consumer is not satisfied with it. Customer service can be reached via:

Is Claritox Pro worth buying?

If you suffer from constant dizziness, Claritox Pro claims to help permanently prevent such experiences. Claritox Pro guarantees consumers the effectiveness of this product. Users have 60 days to try Claritox Proand if you see no change, you can return the bottle for a full refund.

m

4 talking points as Dundee take charge of League Cup group with win at Queen’s Park





4 talking points as Dundee take charge of League Cup group with win at Queen’s Park



































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Michigan Ballot Campaign to Limit Short Payday Loan Signings

LANSING — State election officials say a ballot campaign to restrict payday loans failed to garner enough valid signatures to qualify for the November ballot.

Michiganders for Fair Lending submitted approximately 392,000 signatures for the bill launched on June 1. But the Elections Office, in a report issued late last week to the Board of State Solicitors, estimates the ballot committee’s petitions contain about 275,000 legitimate signatures — well below the roughly 340,000 needed.

“As widely reported in the media, this has been a difficult year for all petition campaigns in Michigan. Despite this disappointment, the Fair Lending Coalition remains motivated and committed to payday loan reform,” said spokesman Josh Hovey said in a statement.

After removing the sheets that did not pass an initial “facial examination”, the office extracted a sample of 522 randomly selected signatures. Only 375 were valid after officials explained issues such as the signers not being registered voters and a challenge filed by the opposition group Safe Lending Michigan.

Canvassers are expected to accept the board’s recommendation and deny certification at a meeting Thursday.

The measure would have capped payday loans, known as deferred presentation service transactions, at an annual interest rate of 36%. They are usually equal to 370%, depending on the ballot.

Loans are short-term, high-cost loans, typically $500 or less, that are usually due on the borrower’s next payday.

“Going forward, we will urge our stakeholders to hold local candidates accountable by urging them to support payday loan reform as part of their campaign platforms,” Hovey said. “We will also work as a coalition to advance legislative reform to ensure predatory lenders stop taking advantage of hard-working Michiganders.”

Legislative efforts to curb payday loans have stalled before.

Michiganders for Fair Lending had raised $4.1 million and spent $2.1 million as of April 20, mostly to pay for collecting signatures. Two groups funded the campaign: the American Civil Liberties Union ($2.6 million) and the Sixteen Thirty Fund ($1.6 million), an organization supported by anonymous left-leaning donors.
“We said from the day they filed that their signatures were wrong and they would fail in their attempt to limit safe and regulated lending options for Michigan consumers,” said Patrick Meyers of Safe Lending. Michigan.
Michigan voters are likely to consider three statewide proposals in November, all constitutional changes.

One, which was put on the ballot by lawmakers, would revise some of the toughest statutory limits in the country and require state elected officials to provide information about their finances to avoid disputes. interests. The state is beginning to consider petitions that were submitted last week by committees seeking to protect abortion rights and expand voting rights.

Number of victims and homes destroyed in fires in London unknown

Firefighters are unaware of the extent of the damage from the blazes which have hit homes, schools and churches across London, with crews describing the scenes as “absolute hell”.

Residents were evacuated from their homes and people were taken to hospital amid blazes in the capital as temperatures soared to over 40C on Tuesday afternoon.

Two ‘large-scale’ incidents took place in Upminster and the village of Wennington, east London, where black smoke billowed into the air, while flames destroyed buildings and ravaged neighboring fields.

Several other significant incidents have also occurred, with people being asked not to have barbecues or bonfires due to the “unprecedented” challenges crews are facing.

(Yui Mok/AP)

A firefighter at the scene in Wennington, when asked by the PA news agency about the conditions, replied: ‘absolute hell’, while those affected by the blaze said it had spread ‘rapidly “.

Two people were also taken to hospital with smoke inhalation following a fire in Dagenham, with the total number of casualties unknown.

London Fire Brigade (LFB) have declared a major incident due to a ‘huge increase’ in fires in the capital.

Jonathan Smith, assistant commissioner at the LFB, told the PA news agency: “We had a series of incidents today, a number of which were obviously the result of the dry forest and dry grasslands of the powder keg in central London and the suburbs.

“It caused a rapid spread of fire which impacted properties, people’s homes, schools, churches and other types of buildings.

“At this time, due to the large number of incidents we have witnessed today, we will collate all of this information and ensure that each incident is thoroughly investigated.

“Once we have done that, we will be able to give an accurate picture of the incidents we witnessed, how many homes were hit and if there were any casualties.”

(Yui Mok/AP)
(Yui Mok/AP)

He said Tuesday night would be ‘essential’ to ensure the fires are brought under control, adding: ‘It would be premature to say we are on the other end of this incident.

The London Ambulance Service said the total number of people taken to hospital may not be known until Wednesday morning.

Sadiq Khan said the LFB had received more than 1,600 calls for help by late Tuesday afternoon.

He also said people shouldn’t have barbecues anywhere in London, including in parks and private gardens – as well as on patios and balconies.

In Wennington, local residents could be seen being comforted, while others were seen removing gas canisters from a nearby pub, as hundreds of firefighters were on the scene.

(Yui Mok/AP)
(Yui Mok/AP)

At least one house could be seen completely destroyed by the blaze, while others appeared badly damaged

Local resident Janet Hickey, 70, who has terminal pancreatic cancer, said she was forced to leave behind all her cancer medication when they were evacuated.

Her husband Patrick Hickey, 71, added: “We had to leave everything behind.

“We hope against all hope that our house is still there.”

(Yui Mok/AP)
(Yui Mok/AP)

A rescue center has been set up at the Wennington Premier Inn for evacuated residents.

Riminta Maceikaite, 38, and her son Nikas Janulevicius, 13, said their neighbours’ houses had burned down but, according to aerial television footage, their house was still standing.

Lizzie Pittman, from Aveley in Essex, who works in stables near the roundabout, said she was caring for five evacuated horses.

She said: “It’s your worst nightmare. You can see it getting closer and closer. People are losing their homes, but it’s bricks and mortar. People are losing their livestock.

(Yui Mok/AP)
(Yui Mok/AP)

Nearby resident Lynn Sabberton, who said she was evacuated from her home with her partner with lung problems, told Sky News: ‘I saw the black smoke and the helicopters came in and more police came in in our neighborhood and it was spreading really, really fast.

“It spread so quickly, I think the wind pushed the fire towards the village.”

Freya Gutteridge, 23, from nearby Hornchurch – who works in marketing, told PA: ‘We are all very worried the wind is strong and we are seeing on the news that loads of houses are on fire and there is no there are not enough fire trucks.

“It’s crazy. Most of us in the office really live locally, so we’re all worried about families’ homes right now.

(Yui Mok/AP)
(Yui Mok/AP)

It was among the fires fought in London on Tuesday afternoon, which were:

– 30 fire engines dealing with a grass fire on Pea Lane in Upminster.

– 12 fire engines battling a blaze involving garden fences and trees on Uxbridge Road in Pinner.

– 10 fire engines battling a restaurant fire on Green Lanes in Southgate.

– Eight fire engines battling a grass fire on Oaks Road in Croydon.

– Eight fire engines battling a grass fire on Ballards Road in Dagenham.

– Eight fire engines battling a blaze on the Broadway at Wembley.

– Six fire engines battling a grass fire on Sunningfields Crescent in Hendon.

– Four fire engines battling a grass fire on Chapel View in Croydon.

– Four fire engines battling a blaze on Sidcup Road in Eltham.

(Yui Mok/AP)
(Yui Mok/AP)

Homes were evacuated in Dagenham following a ‘large grass fire’ which affected a number of buildings and left a man and woman in hospital due to smoke inhalation.

Liam Edwards, 25, from Bexley, studying at Oxford Brookes, speaking about a fire near the A2 in Dartford, said: “It was huge when we left it several fire engines, I’d like to say it’s under control but who knows at this point?

“I’ve lived in London and Kent all my life, never seen anything like this before.”

Mayor of London Sadiq Khan said on Twitter: “Critical: @LondonFire is under immense pressure.”

He also said: ‘We just can’t cope with the number of fires in our city directly attributable to the heat wave that we are experiencing, to the dry grass, to the way the fire spreads during the heat wave.

Weekend Course – Supercar Speeders and Pond Poisoner





Weekend Course – Supercar Speeders and Pond Poisoner



































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Kemi Badenoch will do ‘whatever it takes’ to tackle illegal Channel crossings

Kemi Badenoch has vowed to do ‘whatever it takes to fix the small boat problem’ as she put immigration control at the center of her campaign for the Tory leadership.

The former equality minister came in fourth place but many MPs believe she is well placed to pick up votes in the third round on Monday after impressing many campaigners with her performance so far in the competition.

MP for Saffron Walden has highlighted a focus on property, border control and family as the ‘first and best source of well-being’ as she and the other four candidates still in the running prepare for the second televised debate which will be shown on ITV. Sunday evening.

“Property should be distributed as widely as possible. Nations need borders. Family is the first and best source of well-being,” she wrote in the Sunday Times.

“People – rightly – recognize that building more houses without doing anything to reduce immigration is like walking up the escalator going down,” she added.

“We will never get where we need to go with this approach, and we will not persuade people to accept more homes if it is because of immigration failures. If we can bring immigration back to a sustainable level, then we can protect green space for our children and valuable farmland.

“It is therefore important to control immigration to manage the pressures it puts on housing and public services. Building trust in the government’s ability to control immigration is an important foundation for ensuring a cohesive society.

(PA graphics)

More than 14,000 migrants have traveled the 20 miles across the English Channel so far this year, sailing the world’s busiest shipping lanes from France in small boats like dinghies, according to provisional government figures. The total for 2022 is expected to be 60,000.

Interior Minister Priti Patel signed an agreement in April to send migrants to Rwanda, but legal challenges have prevented any departure.

Former equality minister Ms Badenoch said it was her belief in Britain’s sovereignty that led her to vote Leave in the Brexit referendum.

“I strongly believe that we must control our own borders and laws. I will do whatever it takes to fix the small boat issue,” she wrote on Sunday.

Rishi Sunak has appealed to pro-Brexit Tories for support in his campaign (Victoria Jones/PA)
Rishi Sunak has appealed to pro-Brexit Tories for support in his campaign (Victoria Jones/PA)

“I’m not someone who starts fighting for the headlines – and I want to focus on people’s top priority, which is the economy. But the economic problems of housing and immigration are inextricably linked.

“Just like the bond with the family. Family breakdowns increase the demand for housing, and the unaffordability of housing in many areas prevents people from establishing the family life they want. The family is the first line of well-being, and strong families reduce the need for a larger state.

Ms Badenoch pledged to ‘examine how our tax and benefit system can support family life and the joys it brings’, adding: ‘Consistent and conservative belief leadership is what I will bring if you m ‘elect to the post of Prime Minister.

His pitch came as leadership favorite Rishi Sunak tried to win over Brexiteers by pledging to scrap hundreds of remaining EU laws and regulations if he won the race.

International Trade Minister Penny Mordaunt remains in second place, Foreign Secretary Liz Truss is third and backbench MP Tom Tugendhat is fifth.

Emergency plan to protect the homeless from high temperatures

Dublin City Council has contingency plans in place to protect homeless people from extreme temperatures in the coming days.

A high temperature warning has been issued for Ireland from Sunday, with people urged to take precautions against sunburn or heat stroke.

The yellow status alert is expected to be in effect from 6 a.m. Sunday to 9 p.m. Tuesday, with temperatures of up to 32C possible in places on Monday.

A council spokesperson said: ‘Dublin City Council, as the lead statutory authority in the Dublin region, is coordinating the response to ensure at-risk homeless people are protected for the duration of any weather event. extreme.

Temperatures are set to soar in Ireland over the next few days (Julien Behal/PA)

“In response to the hot weather warning expected over the next few days, arrangements are in place with service providers to ensure that temporary shelter will continue to be available for all who wish to access it.

“The Dublin Street Outreach Service and the DRHE-funded Housing First Reception Team (provided by the Dublin Simon & Peter McVerry Trust) will engage with those at risk of rough sleeping to provide shelter to anyone who needs it.”

Outreach teams will distribute water and sunscreen, provide shelter if needed and encourage people to be aware of the sun.

They will also use social media to ask the public to report rough sleepers in hot weather.

The council encouraged anyone in need of emergency accommodation to contact their local authority or their homeless services freephone number – 1800 707 707.

Met Eireann said the “unusually hot weather” will bring daytime temperatures of 25-30C.

We want to avoid accidents as much as possible, so that if someone gets into trouble in the water, they can quickly get the help they need

Barry District

Night temperatures will fluctuate between 15°C and 20°C.

Fine Gael Senator Barry Ward said people should bear in mind the importance of security around coasts and inland waterways.

He said: ‘As a heat wave continues across Ireland, there is an increased demand for rescue services; the Coast Guard, lifeboat and other emergency services face additional pressures.

“Met Eireann has issued a high temperature warning for the whole country with temperatures expected to reach 30C. Ireland’s beaches and lakes are likely to be busier than ever.

“Swimming, paddleboarding, sailing, windsurfing and using our marine facilities for recreation are all part and parcel of good weather, but we must always remember that it’s easy to get into trouble in the water. ‘water.

“We know we need to protect our skin from the sun, but we also need to protect ourselves and our loved ones from the dangers that may be present in and around water.

“Following the tragic death of a teenager who struggled to swim in Howth this week, we must all work to ensure that such a tragedy does not happen again anywhere in Ireland this weekend.

“We want to avoid accidents as much as possible, so that if someone has problems in the water, they can quickly get the help they need.

“We don’t want to see a situation where the emergency services are too busy to come to the aid of swimmers, divers or boaters, so help our emergency services by making sure you don’t need their help.”

Deveronvale sign Cameron Angus and Charlie Hay from Elgin City as Robert Allan re-signs

DEVERONVALE have secured two new signings and the signing of an experienced midfielder as preparations for the new Highland League continue.

“Vale have added Elgin City youngsters Cameron Angus, a striker, and Charlie Hay, a midfielder, to the squad – both signing two-year contracts.

Cameron Angus, who signed for Deveronvale.

Angus (20) and Hay (18) are both returning to Princess Royal Park after being loaned out to the club last season.

Buckie-based Hay left ‘Vale to attend Inverness University, playing with Clachnacuddin through the second half of last season, while Angus made a few appearances towards the end of the season.

New Deveronvale signing Charlie Hay.
New Deveronvale signing Charlie Hay.

Manager Craig Stewart said: “Cameron is a good addition to the squad and gives us another option forward.

“He showed enough last season for us to see that he has the potential and the positive attitude that we are looking to develop.

“I am very happy to find Charlie. Although he didn’t get much game time last season, he showed enough skill and work-rate to convince us he would become a regular in the Highland League.

“He’s a versatile player and a good addition to the squad.”

Robbie Allan (36) has also signed for an additional year.

Buckie's Marcus Goodall with Vale's Robert Allan... Buckie Thistle v Deveronvale at Victoria Park, Buckie.  ..Pictured: Becky Saunderson..
Buckie’s Marcus Goodall with Vale’s Robert Allan… Buckie Thistle v Deveronvale at Victoria Park, Buckie. ..Pictured: Becky Saunderson..

Craig Stewart said: “This is great news for the club. His experience is invaluable for the team and for our young players.

“Robbie has again shown well in pre-season, maintains a high level of fitness and continues to demonstrate a professional commitment to the game.”


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High gas prices drive family to take out gas loans to drive daughter to cancer treatment

The health of 15-year-old Jinger Vincent depends on his family’s ability to buy gasoline to take him to medical appointments. Vincent, a lifelong athlete, was diagnosed with bone cancer over a year ago.

“The first thought I had was not to cry,” Vincent told CBS News. “I was in front of my parents and I wanted to be strong for them.”

Her father, Keith Vincent, said it is “difficult” to watch his daughter, once healthy and full of life, now “wasting away in bed” during the most difficult time of her illness.

She underwent chemotherapy and multiple surgeries, including replacement of part of her femur, and recent lung surgery. She now has medical and physical therapy appointments nearly every other day, often traveling up to an hour from her home in rural Indiana. With gas prices more than doubling over the past year, parents Keith and Analiza Vincent now spend over $200 a week on gas, money they don’t always have.

“Let’s pay the mortgage first,” said Analiza Vincent. “Let’s pay the majority of the bills. But at the end of the day, I said, ‘Wait a minute, we don’t have any gas money.’ So I end up, like, going instant money. He’s our best friend right now. ”

These are short-term, high-interest loans that they rely on to pay for transportation to appointments for their daughter. They cut back on groceries, a sacrifice that Jinger didn’t miss.

“Having to watch them, ‘We have to pay this bill. We have to pay this.’ And I’m downstairs and hearing all of this. It sounds so stressful and I feel bad for them,” Jinger Vincent said.

To reduce travel, the Vincents sometimes received temporary accommodation near the hospital of the Ronald McDonald House. Families traveling to the Ronald McDonald House in Chicagoland and Northwest Indiana often travel long distances for treatment – an average of 164 miles. With petrol prices soaring, the charity has seen demand for its services increase.

Despite their roadblocks, the family said they are keeping their eyes on what matters.

“People have certain squabbles, daily lawsuits,” Keith Vincent said. “Oh, the rent, the food, you know, but you, like, you manage. When you have cancer, that kind of thing fades.”

“We are not worried, even if we cannot afford certain things,” added Analiza Vincent. “The big picture is her.”

Watford midfielder delighted with long-distance loan

When Joseph Hungbo was lucky enough to join Ross County on a season-long loan last summer, he grabbed it with both hands – but admits he had no idea where she was !

Little did he know it was a 557 mile drive from Vicarage Road to the county’s Victoria Park in the small town of Dingwall, about as far north as he could travel to play football professional in the UK before ending up at sea.

He was to make 33 appearances for The Staggies, scoring six goals – including an unforgettable 30-yard free-kick in a 5-0 win at Dundee United which earned Hungbo the Scottish Premiership goal of the season.

However, he readily admits that his knowledge of Ross County is far greater now than it was 12 months ago.

“I didn’t know where Ross County was, to be completely honest!” he said.

“When the option was presented to me, I had no idea where it was. I didn’t even know where Inverness was.

“But at the time I was told there was an opportunity to play in the Scottish Premiership, I wasn’t really too bothered where exactly Ross County was. I just wanted to go play.

The main thing for Hungbo was the promise of playing time.

“I was told I would go there to play, not just to be part of the team,” he said. “It was good enough for me, I wanted to play games.

“I spoke to the manager, Malky Mackay, and once he spoke to me I was totally sold on the idea. It was a difficult move and a very different experience, especially settling in during the first two months.

“I went there on my own and to be honest it didn’t take me long to settle in and figure out the basics. I stayed alone in a small hotel for the first few days, then I had my place.

“I actually wanted it to be something where it was just me. Mentally, I wanted to challenge myself to see if I could do it.

“I wanted to show myself that no matter what was going on and how difficult it was, I had the drive and determination to pull through. I had good people to support me: my family, the people at the club, even the other players. When I arrived, the other players helped me get settled.

It was the boost and experience the winger needed after arriving at Watford three summers ago, earning his first-team chance but then suffering a serious hamstring injury.

“When I joined Watford I just wanted to get into the team. No one joins a club just to be part of things, you want to make an impression and make a difference,” he said.

“That was my first thought when I arrived here: how can I tell the difference? Under Javi Gracia, I was just trying to make a good impression. I started very well and was flying in the under-23s, scoring goals.

“I felt like I was on track and I worked hard to make sure I kept doing that. All I did was create a positive impression.

After a loan spell at Aldershot in the first half of the 2020/21 season, Hungbo came on as a substitute in the FA Cup defeat at Manchester United in January.

He then made a series of four appearances from the bench in March and April before making his first start at Brentford in May – but that was cruelly cut short after 24 minutes.

“I found out that morning that I was going to start and I was delighted,” said the 22-year-old.

“When I got out on the pitch, I just wanted to run around. And then all of a sudden, my worst nightmare: my hamstrings were gone.

“I knew straight away it was bad because I couldn’t move. It was as if someone had shot me in the leg. It was crazy, the pain was unbearable.

“I wondered if I had done something to cause it, but I realized it wasn’t my fault. It was better if it happened towards the end of the season, not at the beginning.

This meant that all plans for the summer had been changed as Hungbo had to get back into shape.

“It was really a tough summer,” he admitted.

“I didn’t take any kind of vacation, I was literally at the training ground day in and day out. I thank the club physios and the club staff who helped me through this ordeal. I had a hard time. hurt some days and they helped me.

“As a footballer you get used to there being ups and downs, and that was a period when I was really depressed. I felt I had missed my opportunity. But I I put my head down, worked very hard and did everything I was advised to do to get back on my feet.

“In fact, I now think it was a blessing in disguise because if it hadn’t happened I might not have been loaned out next season.”

The move to the north of Scotland for a season proved to be a big success for Hungbo, who even scored in a loss to Rangers and clocked in every minute of those big games.

“These games are amazing,” he said. “The atmosphere in places like Celtic Park and Ibrox is amazing.

“I understand now how difficult it is to play against top teams like that, they are very difficult opponents. But I learned that it’s just about giving 100%. The result will be the result, but I made sure in every game that I gave 100%, throughout the game.

“If you give 100 per cent in every game, you know you can’t do anything else.

“I have been pleased with the quality of my stay in Ross County, and again I have to thank those around me who helped me make the most of this opportunity. They gave me confidence, and I gave 100%, and it seemed to go well.

“As the weeks and months went on, I felt really good. We started slowly, but the team started winning and we started from there.

Of course, we have to talk about ‘that’ goal – the third in County’s 5-0 win at Dundee on Wednesday October 27 which was to claim it Goal of the Season: a 30-yard free-kick described by Scottish newspaper The Herald as “a venomous curling strike that kissed the underside of the crossbar before landing deep in the net”.

“It was my first professional goal, and to be honest, if someone put a ball down and told me to do it again, I probably couldn’t!” he said, “It was just something that happened in the moment. I heard the gaffer behind me shout to shoot, so I thought ‘yes, why not’. I wasn’t even on set pieces but it was just something that, at the time, I felt optimistic and confident to do.

“It was an incredible feeling to see him come in.”

Hungbo knew having a successful season in Scotland counted for little when he returned to Watford this summer.

“Even though I realized what I had in Ross County, I knew coming back to Watford was going to be tough,” he said.

“I was well aware that I was going to fight for a place in a championship team. It’s not easy to integrate a group that has just been relegated.

“I knew I had to elevate my performance again and get that second wind. I focus on that hunger and fight to be involved in every game and then help win those games.

Footage from the first week of pre-season showed Hungbo chatting one-on-one with new head coach Rob Edwards as they walked around the training ground.

“Full credit to Rob, this approach helps 100%. He took me to chat on the first day of pre-season and explained to me that he wanted to get to know me as a person and as a player. It’s so much better to know everyone as a person, and not just as a player.

“You learn how a person is, what they do, how they do it, why they do it. I think that’s really important, a lot of managers wouldn’t take the time to do that. Rob started this from day one and he’s been there for me ever since, and what I want to do is work hard for him and give him my 100 per cent.”

With Edwards preferring a 3-5-2, it’s been a summer so far adjusting to new form.

“It’s a different formation to what the team played last season, but what the manager wants us to do is what we have to do to the best of our abilities. It takes patience because changing form takes time to work,” Hungbo said.

“For me as a right-back or a right-winger, I just like getting down the line and making crosses. I want to take the team to the other end of the pitch but also take care of my defensive duties.

“Every position on the pitch is hard work, and that’s something you can’t buy. You have to do it yourself. Hard work is a choice you make, to win every tackle, to fight for it. every ball, challenge every head.

So what is Hungbo hoping for now that he’s back in Hertfordshire?

“I just want to go and enjoy my football,” he said.

“People ask about goals, but I feel like setting goals puts unnecessary pressure on you. I don’t want to feel like I have to do a certain type of thing a certain way just to hit a target.

“The more you focus on enjoying the football you play and give your 100 per cent every time, the better you will improve. I love what I do and I will do everything I can to get selected and get on the pitch.

“The main thing is to love playing football, to work hard and hopefully that will get me to good places.”

Hailstorm’s Owain Fon Williams appointed goalkeeping coach at Fleetwood Town FC

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WINDSOR, Col. – Northern Colorado Hailstorm FC goalkeeper coach Owain Fôn Williams has left his post and has been named the new goalkeeper coach of Fleetwood Town FC in the English Football League (EFL) League One.

The former Wales international goalkeeper made over 300 goal appearances for EFL League One and League Two sides Tranmere Rovers FC, Stockport County FC, Rochdale AFC and Bury FC during his 17 years in professional career. Fôn Williams also spent time in Scotland with Inverness Caledonian Thistle FC, Dunfermline Athletic FC and Hamilton Academical FC while spending a season in the United States with Indy Eleven. Following his professional retirement in early 2022, the 35-year-old began his coaching career with Northern Colorado.

“It’s been an absolute honor, I can’t thank Éamon [Zayed] enough and kevin [Sawchak] for this opportunity,” said Fôn Williams. “I’m sad to leave, and my family is sad to leave. This was our home for a short period of time and I was sinking my teeth into it here. I cannot thank everyone who works for this organization and the boys enough.

Last season, Cod Army finished 20th in EFL League One in the team’s eighth consecutive year in League One.

UK plan for Rwanda ‘wrong’ and could put pressure on Ireland – Martin

Irish Prime Minister Micheal Martin has said the UK government’s Rwanda program may have led to an increase in the number of applicants for international protection in the republic.

The Taoiseach made the comments after it emerged on Wednesday night that Ireland was suffering from a “serious shortage” of public accommodation for Ukrainian refugees.

Speaking from government buildings on Thursday, Mr Martin said that of those at the Citywest reception center for Ukrainians in Dublin, 70 per cent are now applicants for international protection.

“We will analyze this, but something has happened in the last two or three months in terms of the increase in the number of applicants for international protection, something has clearly happened,” the Taoiseach said.

“Anecdotally or intuitively, one can see, and perhaps feel, that this political announcement, which I thought was a bad political announcement from the UK, some sort of shocking move in my view, to make a deal with the Rwanda, clearly was able to motivate people using the Common Travel Area to enter the Republic – yes, I think that’s one of many factors.

The Taoiseach made the comments as he and Housing Minister Darragh O’Brien announced an update on the progress of the Housing For All plan.

Mr O’Brien said “real progress” had been made, “despite significant headwinds”.

Housing Minister Darragh O’Brien (left) and Taoiseach Micheal Martin launch a progress report on the Housing for All plan in Dublin government buildings (Grainne Ni Aodha/PA)

“Housing starts are up, permits are up, completions are up, and thankfully people are now taking out more mortgages than they have in over a decade. First-time buyers are at their highest level since 2007.” Speaking after the announcement of a €50 million Croi Conaithe (Cities) Fund, which aims to bring vacant and underutilized buildings back into use in towns and villages, Mr. O’Brien said of the Croi Conaithe (Towns) scheme:

“It’s targeted support that goes to landlords by reducing the purchase price of an apartment. It will directly build more than 5,000 new apartments for owner-occupiers.

“I am very pleased to say, as the Taoiseach alluded to, that this program has generated substantial interest from the sector and has the potential to bring new life to our cities over the next few years. years.”

Coach Barry Wilson praises Caley Thistle after weathering storm to beat Livingston 10 in Premier Sports Cup





Coach Barry Wilson praises Caley Thistle after weathering storm to beat Livingston 10 in Premier Sports Cup




































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UK tech company Nothing unveils smartphone to rival Apple and Samsung

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UK-based tech start-up Nothing has unveiled its first smartphone, which the company says “marks the start of change in a stagnant industry” as it seeks to challenge Apple and Samsung.

The Nothing Phone (1) goes on sale July 21 in the UK, starting at £399, exclusively on the O2 network.

The phone runs the enterprise version of Google’s Android operating system – called Nothing OS – and comes with a 6.5-inch OLED display that supports 120Hz refresh rate and dual rear cameras of 50 megapixels – all the high-end features often found on £1000 flagship phones.

The phone (1) also comes with an eye-catching translucent rear panel that shows off some of the device’s internals and houses a number of small LEDs that can flash in unique patterns to indicate call and app notifications and the phone’s charging status.

Nothing’s chief executive and founder, Carl Pei – who previously co-founded smartphone company OnePlus, said: “We designed Phone (1) as a product we would be proud to share with our friends and family.

“This simple principle has helped us think outside the box, listen to our instincts, and create an experience that hopefully marks the beginning of change in a stagnant industry.”

The phone (1) includes a set of LEDs on the back of the device, called the Glyph interface, which use light patterns to signal notifications (Nothing)

However, industry expert Ben Wood warned that despite the company’s hopes of being disruptive, the smartphone market is “frighteningly competitive” and Nothing “has a mountain to climb”.

Mr. Wood, smartphone expert and chief analyst at CCS Insight, said: “The smartphone market is fiercely competitive and is dominated by Apple and Samsung who have incredible resources.

“The rest of the addressable market is a tussle between many Chinese manufacturers desperate to grab a share, making it even more difficult for a new entrant to break into the segment.

“Add to the current macroeconomic situation and the pressure of the cost of living and it means that succeeding will be a huge challenge. Carl Pei has recognized this himself, so his ambition and determination are to be admired.

“It’s arguable that the market doesn’t need another smartphone maker, in fact in the current climate consolidation is probably more likely, but as someone with a passion for mobile phones, that’s great to see a company like Nothing step up to try and do something a little disturbing.”

Mr Wood also praised the company’s preparation for launch, which included teasing about the phone and its features to help develop early supporters, but added that “sustaining long-term sales will be the challenge. “.

I’m running out of money before my next payday: what can I do?

EHStock/Getty Images/iStockphoto

In America, living paycheck to paycheck is commonplace. The majority of workers are unable to set aside significant savings, even if their income exceeds six figures. The truth is that life is expensive and unexpected costs arise every month. So if you find yourself out of money before your next payday, what can you do?

Check Out: 8 Remote Tasks That Pay At Least $20 An Hour
Find: 13 ways to make $100 in just one day

A survey by The Penny Hoarder found that nearly 60% of people cut spending in an effort to save money before their next payday. About 36% are using credit cards to survive the crisis and more than 36% are dipping into their savings. While these are all viable options, some make more sense financially than others.

See what you can do if you run out of money before payday.

Review your expenses

If you find yourself running out of money before your next payday, the first thing to do is review your spending habits. If you haven’t already, create a budget; consider all your income and expenses. To get started, print out your last few months of paychecks, as well as bank and credit card statements.

Make a list of essential bills you need to pay each month, such as your rent or mortgage, car loan, and utilities. Now categorize your other expenses into categories such as entertainment, clothing, healthcare, education, and more. This will help you understand where your money is going each month and where you can cut costs.

Prioritize your money

Your housing, food and transportation costs are a given. Unless you plan to downsize, these are more or less fixed costs that need to be paid for first. However, other areas such as entertainment and clothing shopping may need to take a step back for a while to get you to your next paycheck.

Once you look at how you spend your money, you might be surprised at how much can be cut. Look at things that are auto-pay. Are you paying $29.99 for a subscription you never use? Do you have Hulu, Netflix, Prime and Disney+? Can you live with just one? All of these small discounts can add up to big savings in the long run.

Increase your income

Once you’ve prioritized your expenses, see if you can increase your income. Consider getting a side hustle like tutoring, food delivery, pet sitting, or selling your stuff. Think about what you could offer a business or individual, such as social media management or personal shopping.

If you’ve been with your employer for at least a year (in some cases, six months), consider asking for a raise. Do your research and make a compelling case for why you won the raise. Have you recently taken on more responsibilities or accepted a new position? What do you offer the company that makes you a valuable asset?

Find relief programs

Once you’ve reviewed your expenses and looked for ways to increase your income, see if you qualify for any relief programs. You may be able to apply for a deferral of your student loans or be eligible for help with your utility bill. There are state and federal programs available depending on your income.

Slide to Savings

If your money troubles are temporary and you have a rainy day fund, now is the time to use it. Once you’re in a healthier financial position, you can pay yourself back and rebuild your savings.

And if you’re really in trouble

You can still put money on your credit cards; just make sure you pay at least the minimum on all your cards or your credit could take a hit. Although this fix is ​​not a long-term solution, it can help you through a tough time. It doesn’t hurt to look for better rates and 0% balance transfer offers, 0% introductory APR and cashback incentives. Remember: credit card debt is easy to accumulate and very difficult to pay off.

Finally, other unsavory options may include payday loans, layaways (“buy now, pay later” programs), or borrowing from friends (unless you know you can pay it back) .

If you’re like many other Americans and find yourself living paycheck to paycheck, just know that there are innovative ways to stretch your money and stick to your budget – without having to Win the lottery.

More from GOBankingRates

Loans for low-income people Personal loans for a tight budget

When life arrives, taking out a personal loan may be necessary to stay afloat financially. If your credit score is in good shape and you’re earning enough income to pay the loan repayments, you could be back on track sooner rather than later. But if money is tight, managing a personal loan can be difficult and have serious consequences for your finances.

Still, it is possible to get a good deal on a personal loan by exploring your options. Payments can still strain your budget, but borrowing costs could be more affordable if you get a personal loan on competitive terms.

These lenders offer personal loans with low interest rates to make taking out a personal loan more affordable:

Lender APR range Loan amounts Loan amounts Minimum credit score
Reached 5.40% – 35.99% $1,000 – $50,000 3 or 5 years Unspecified
PenFed As low as 6.74% Up to $50,000 Up to 5 years Unspecified
LightStream 3.99% – 19.99% (with automatic payment) $5,000 – $100,000 2 to 12 years old 660
Pay 5.99 – 24.99% $5,000 – $40,000 2 to 5 years 600
NCP Bank 5.99 – 28.74% (with automatic payment) $1,000 – $35,000 Up to 60 months (in some states) Unspecified

Reached

Upstart offers fast approvals and funding in as little as one business day. What makes the lender even more attractive to potential borrowers is that there is no minimum credit score requirement. Instead, Upstart looks beyond your credit score by evaluating your work and educational history to determine if you’re a good candidate for a loan.

PenFed

You must join PenFed Credit Union to apply for a personal loan. However, it could be a worthwhile decision as there is no setup fee and you can apply with a co-applicant. Plus, the starting interest rate is among the lowest in the industry if you have a good credit rating.

LightStream

LightStream is another outstanding online lender with competitive interest rates on personal loan products. The amounts are some of the most generous you’ll find, and depending on when you apply, you could be approved and receive funding the same day. There is also an option to select a later funding date that coincides with the date you will need the loan.

Pay

On the Payoff site, you’ll find a plethora of money management tools and financial education resources to help you take better control of your finances. You can check your rate in minutes and customize a loan product that’s right for your financial situation if there’s a match. A member of the Payoff team will contact you quarterly to register and answer any questions you may have.

NCP Bank

PNC Bank is a physical financial institution that also offers unsecured personal loans with low fees and competitive rates. Co-borrowers are also allowed if you want to boost your chances of approval. If you already have an account with PNC, you can benefit from a reduced interest rate. Additionally, there are over 2,600 branches nationwide should you wish to receive in-person assistance.

Income requirements for personal loans

Lenders want to be reassured that you are earning enough income to make loan repayments in a timely manner. Thus, they will likely have a minimum income requirement. Most also ask for stable, verifiable proof of income, such as a recent pay stub, W-2, or tax return, and contact information for your employer.

Consider using a personal loan calculator to view your potential monthly payment and determine how much loan you should apply for.

Other general personal loan eligibility criteria include:

  • An active bank account it is in your name to send the loan process
  • An acceptable credit score and debt to income ratio
  • Proof of addresssuch as a mortgage statement, rental agreement, or utility bill showing your name and physical address listed on the loan application

Remember that each lender sets their own rules, so borrower requirements vary.

How to get a personal loan with low income

You may have to do some legwork to get a personal loan on a lower income, but it is possible. In fact, you might have better luck with an online lender that has flexible eligibility criteria.

To boost your chances of approval, request a lower loan amount or ask a friend or relative to co-sign for you.

If you don’t need the funds immediately, consider paying off your debt, getting a better-paying job, or negotiating a raise to lower your debt-to-equity ratio. Also work on improving your credit score to eventually unlock larger loan amounts.

Alternatives to the personal loan when you have low income

Whether you can’t qualify for a personal loan or prefer to explore other sources of financing, these options could be viable:

  • Credit card: If you have good or excellent credit, consider a credit card with an interest-free introductory period. Repaying the entire balance before the end of the promotional period means that you will not pay any interest on any charges you incur. Otherwise, this form of financing could be expensive, mainly if you spend more than you can afford to repay before the offer expires, the interest starts accumulating and you end up only making the monthly payment. minimal for some time.
  • Payday Loans: These loans should only be used as a last resort for a few reasons, although they are easy to access if you have less than perfect credit income. For starters, interest rates are often in the triple digits, with some as high as 650%. And as its name suggests, the balance is usually payable at your next payday.
  • Guaranteed loans: You will need to provide collateral to get a secured loan. However, they are attractive to many borrowers because you may be approved with a lower credit score and minimal income. The downside is that you could lose your asset if you fail to repay the loan.

Also consider contacting your local credit union to inquire about personal loan options. They often give smaller loans and may agree to lend you more if you are already a member and have established a positive relationship with the branch.

Talk about the alternatives and say if they are better or worse in general. Include payday loans, secured loans, credit cards and local credit unions

At the end of the line

Taking out a personal loan is sometimes necessary, but having lower incomes can make management difficult. The advantage is that some lenders offer flexible and affordable loan products with competitive rates. Before applying, explore other funding options, as they may better suit your budget.

Tory MP ‘who asked Pincher’s alleged victim if he was gay’ appointed minister

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A Tory MP who allegedly asked an alleged victim of Chris Pincher if he was gay has been appointed as a minister in Boris Johnson’s caretaker cabinet.

Sarah Dines, who was appointed joint Parliamentary Under-Secretary of State in the Home Office and the Ministry of Justice (MoJ), reportedly told the accuser that her case was not ‘simple’ due to his sexuality.

The Sunday Times reported that Ms Dines – then deputy whip – witnessed the alleged assault at the exclusive Carlton club in London last week, after which she asked the accuser if he was gay.

The alleged victim told the newspaper: ‘I was a bit taken aback by that and said, ‘What does that have to do with it? But yes, I am.

“And her words were, ‘Well, that doesn’t make it easy’. She saw it all, which is why I’m so angry.

Prime Minister Boris Johnson appeared before the Liaison Committee (House of Commons/AP)

Ms Dines, the Derbyshire Dales MP, then allegedly escalated the matter by reporting the alleged incident to her superiors.

His reported comments were put to Mr Johnson as he was questioned by the Commons Liaison Committee earlier this week, with Labor MP Chris Bryant asking whether they amounted to ‘victim shaming’.

Mr Johnson said he had not spoken to Ms Dines about it but said: ‘I highly doubt Sarah meant it that way.

Mr Pincher resigned as Deputy Chief Whip last Thursday after he allegedly assaulted two other guests at the Carlton Club the night before.

He had the Tory whip suspended the following day after a formal complaint was lodged with Parliament’s watchdog which examines allegations of bullying, harassment or sexual misconduct, and is now the subject of a investigation.

Mr Pincher said over the weekend he was ‘truly sorry’ for the upset he had caused after he had ‘way too much to drink’ on Wednesday, and pledged to co-operate fully with the investigation, adding that he was looking for “professional medical support”.

Downing Street initially said Mr Johnson had no knowledge of the previous allegations against Mr Pincher, but the outgoing Prime Minister later admitted he had been made aware of inappropriate behavior dating back to 2019 and said that he regretted having kept him in government beyond that point.

The row over the Pincher scandal sparked a wave of pent-up frustration with Mr Johnson’s leadership, culminating in mass resignations and ultimately the downfall of the prime minister.

As well as Ms Dines’ new role, Downing Street announced six new appointments on Friday afternoon.

Richard Fuller has been appointed Economic Secretary to the Treasury, Stuart Andrew has been appointed Minister of State in the Department of Justice and Alan Mak is now Secretary of the Exchequer to the Treasury.

Rehman Chishti, Lia Nici and Brendan Clarke-Smith have been appointed Parliamentary Under Secretaries of State in the Department of Foreign Affairs, Department of Development, Housing and Communities and Department of Education respectively.

Ms. Dines was approached for comment.

Last year’s loans inspire new Ross County winger

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OWURA Edwards will take inspiration from last season’s loan successes Regan Charles-Cook and Jo Hungbo as he looks to shine in the Scottish Premiership.

Picture – Ken Macpherson. Pre-season friendly. Brora Rangers(1) v Ross County(4). 06.07.22. Owura Edwards of Ross County.

The Bristol City loanee gave County supporters a taste of his explosive pace and ability on the ball as a second-half came on in Wednesday night’s 4-1 friendly win over Brora Rangers.

The energetic 21-year-old winger, who is in his fifth loan spell away from Ashton Gate after numerous trips south of the border, is already enjoying life in Malky Mackay’s squad.

“Looking back at last season’s campaign, people like Hungbo and Charles-Cook did so well and then moved on,” he said.

“It’s a great platform to come here and do well, and be part of the Ross County family.

“I came here to have a real impact on the team and I hope I can show the fans what I really am. You could say that the pace is a real asset for me. I always work on it in the off-season to be even faster and more precise.

“After my first pre-season game, I think there’s more to come, in terms of pace and what I can do with the ball. I’ll be looking to bring that out more in the next two games to come. .

“But it feels good to play 45 minutes and it will be another good test for the team and the guys on Saturday as we look to build momentum and kick off the season.”

Edwards is ambitious for the future but will treat his loan spell as if it were a permanent signing – and relishes the change of scene.

“I was checking maps to see where Brora was – and it turns out we had moved even further north!

“I came here to take my career to the next level and I will be looking to do that this season. I can see from the players here last season that the Scottish Premiership is a very competitive league.


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BBB talks payday lenders

BBB says stay independent of payday lender debt cycle Consumers can easily fall into the debt trap, especially as inflation appears to be eroding purchasing power. Payday loans can be attractive when you’re on the downside of the debt cycle, but your Better Business Bureau (BBB) ​​advises extreme caution. Take a few moments to think about how your debt could skyrocket even as you try to defuse a precarious financial problem. For those with credit problems, payday lenders have enormous appeal. Bank lenders and credit card companies may not be an option, forcing you to turn to the quick fix of a payday loan. These loans, however, come at a huge cost. Their exorbitant interest rates can force you into a continuous cycle of renewing this loan, paying new fees every two weeks, digging a deeper and deeper hole. Video ads for these lenders are now appearing on TikTok, trying to appeal to a new, younger audience. Loans are made to look cheap and easy. The claims made are often dishonest and can trap those unaware of the deception. Personal Loans Explained Here’s what personal loan ads don’t tell you: • Loans are expensive. The Consumer Protection Bureau says interest rates from these lenders are in the stratosphere, at almost 400%. Even high credit card interest rates are only around 30%. • Just because the loan is easy to get doesn’t mean it’s a good idea. Research other options. They target you if you’re young or have bad credit, touting “no credit checks” or other documents. • Social media ads are unreliable. Too good to be true ? He is. Never take claims made in social media ads at face value. Do your research. • Make sure you can repay the loan. Their high interest rates can trap you. Your inability to repay the loan can further ruin your credit. • You should never pay upfront fees for a loan. Never pay with a post-dated check to cover the amount borrowed plus interest. • Walk away if they ask for fees paid upfront and in cash. The same applies to requests by bank transfer. • You should only borrow what you know you can repay with your first paycheque. When they allow you to “carry over” the balance from one week to the next, they add an additional charge. Next thing you know, you owe a lot more than you originally needed. • You have rights. They are required by law to disclose your rights before granting you the loan. This should include the cost, interest rate and all other charges. Anything can be in the fine print, and you should read it all. • You must keep all documents. Some report receiving calls from collection agencies years after the loan was paid off. Keep your proof that you repaid the loan. • You should check all companies you are considering using on bbb.org. • If you are treated unfairly, you must report it to the Federal Trade Commission and the BBB. Better alternatives If it’s not too late, prepare a spending budget with an emergency fund. Setting aside even a small amount of money with each paycheck can help you overcome a difficult financial situation. If you need a loan, shop around. Look at interest rates, fees and late fees, all found in the fine print that only smart customers read. Credit unions are always a good place to check for small loans that have reasonable fees. Even credit card advances can be better than payday loans. Remember to contact creditors if you cannot pay on time. Many will work with you to work out a payment plan. For answers to other questions about payday loans and their alternatives, contact BBB at (800) 856-2417 or visit our website at BBB.org.

Hibs striker Daniel MacKay set to join Inverness CT despite Raith move looking close

DANIEL MACKAY is on his way back to Inverness Caledonian Thistle on a season-long loan.

SunSport understands the Highlanders have beaten stiff competition from fellow Championship clubs Raith Rovers and Ayr United as well as League One Dunfermline for the signing of the frozen striker from Hibs.

2

Daniel MacKay set for another Hibs loan outingCredit: The Sun
MacKay is on his way back to Inverness

2

MacKay is on his way back to InvernessCredit: SNS

MacKay – who came through the youth ranks of Caley Thistle and enjoyed an impressive four-year spell in the first team after a debut aged 16 – joined Hibs a year ago but struggled to earn some time.

MacKay only managed two league games and new boss Lee Johnson quickly decided he would not be part of his plans.

The leader still has three years left on his contract with Easter Road.

MacKay was also loaned out to Kilmarnock last season.

Kent and Morelos are latest as Gio reveals talks and makes surprise transfer admission
Rocco Vata's Celtic goalscoring debut hailed by Albanian president

Caley Thistle’s boss, Billy Dodds, will believe he can revive his career.

MacKay had seemed ready to head to Stark’s Park instead.

SunSport revealed that Raith Rovers boss Ian Murray is keen to bring the winger to Kirkcaldy.

However, the 20-year-old decided to return to the Highlands instead.

It’s been a big turnover summer at Hibs, with new boss Johnson bringing in ten new faces.

This pushed MacKay further down the pecking order in his search for regular football.

Keep up to date with ALL the latest news and transfers on the Scottish Sun football page

New flavors ready for summer at Rootfield Farm





Jo Mackenzie: New flavors ready for summer at Rootfield Farm




































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National Payday Loan Relief offers a range of payday loan relief solutions

National Payday Loan Relief announces a range of payday loan relief solutions designed to provide long-term relief to borrowers.

National Payday Loan Reliefthe reliable and reputable personal loan consolidation specialists, helps borrowers to control their financial situation. The company offers many affordable debt relief programs to help borrowers manage their payday loans more effectively.

“The biggest danger with payday loans is that they almost always make the borrower’s financial situation worse,” says the National Payday Loan Relief spokesperson. “With high interest rates of around 400%, often calculated on a daily basis, a single day’s delay in a payment can trigger a cycle of dangerous late fees. National Payday Loan Relief is one of most trusted payday loan consolidation companies and has helped thousands of people break free from the shackles of their payday loan debt.

NPLR is committed to helping people relieve themselves from the constant financial struggle of payday loans. Their financial experts can help borrowers better manage their finances and get on the road to recovery. The company specializes in providing debt relief for people struggling with debt. They work with these people as a strategic partner and help them achieve financial freedom in a planned way.

National Payday Loan Relief has been in the debt settlement business for over five years. It has become a reliable debt relief provider for hundreds of people struggling with financial problems. Their service comes with unparalleled legal protection provided by a local attorney at no additional legal fees.

National Payday Loan Relief has very experienced lawyers in its team. They are experts in negotiating their clients’ debt, unlike others who employ financially and legally inexperienced clerks to negotiate with lenders.

“We’ve helped thousands of people complete payday loan consolidation programs,” the spokesperson adds. “We work closely with consumers and do our best to ensure they have a program that not only meets their goals, but is easy to stick to.”

National Payday Loan Relief guarantees its clients a plan that sounds compelling and excites them. The company’s debt management experts have helped many borrowers facing serious financial problems complete their programs and overcome their payday loan debt.

They also strive to help improve the overall financial literacy of their customers. By becoming aware of the serious risks and dangers associated with payday loans, they are less likely to need a payday loan again. NPLR experts provide ongoing training and guidance to continually improve their clients’ financial situation.

For more information, visit nationalpaydayloanrelief.com/

About National Payday Loan Relief:

National Payday Loan Relief is a debt consolidation specialist with many years of experience helping borrowers overcome the risk and burden of payday loans. With their unique approach and innovative strategies, they help clients take control of their finances without paying exorbitant fees or having to deal with aggressive debt collectors. The company is known for its reliability, bargaining power and support.

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Ex-Celtic hero Scott Brown taps ex-SPFL star as goalkeeping coach at Fleetwood Town

CELTIC legend Scott Brown has again raided the Scottish market by appointing former Dunfermline stopper Owain Fon Williams as goalkeeping coach for Fleetwood Town.

The former Wales cap left Dunfermline in January after making 23 appearances for the Championship bottom side.

2

Fon Williams has joined the Fleetwood Town squad
Former Celtic and Aberdeen captain Scott Brown has his man

2

Former Celtic and Aberdeen captain Scott Brown has his man

The Welshman is believed to have left to seek opportunities abroad but was brought closer to home thanks to the former Scotland captain.

Fon Williams has extensive experience in a playing career spanning almost 20 years.

The Welsh shot-stopper has spent the past seven years in Scotland with stints at Inverness, Hamilton and most recently Dunfermline – where he worked with Brown’s assistant and former Rangers and Hibs defender Steven Whittaker who joined Brown in Lancashire last month.

Fon Williams said: “I’m delighted to be here at Fleetwood Town, and just can’t wait to get up and running.

“It’s an exciting time to be here, to work alongside the new management team and of course a group of very talented goalkeepers – who have impressed me so far this pre-season.

“Hopefully I can pass on my experiences to this group, and like the rest of the coaching staff, we can’t wait for the season to start.”

Brown has already persuaded two-time St Johnstone Cup-winning full-back Shaun Rooney to make the switch to the M6 ​​and can continue to use his connections north of the border.

Elsewhere, it is reported that German giants Schalke and Spanish side Real Betis are interested in Celtic target Vinicius Souza.

Souza, 23, spent last season on loan from Lommel to Belgian club KV Mechelen – but has ruled out staying there next season.

He wants to test himself in another league and there has been interest from Ajax and Fenerbahce in particular, alongside Premiership champions Celtic.

German giants Schalke have now joined the transfer race for the midfielder after he recently won promotion to the Bundesliga, the Daily Record report.

The Hoops have been monitoring the Brazilian midfielder for a few weeks.

They also claim that Manuel Pellegrini’s Betis are considering a move for the midfielder.

I'm a size XL and my mate is an S - we tried on the same Amazon dresses
I lived in my house for 104 years - I was born here and then bought it for £250

The move could be the catalyst for a potential domino effect with Portuguese violin midfielder William Carvalho attracting suitors from Turkey.

Should he leave, Betis would have a ready-made replacement with the Celtic target.

Keep up to date with ALL the latest news and transfers on the Scottish Sun football page

Owain Fon Williams joins Scott Brown and Steven Whittaker at Fleetwood Town





Owain Fon Williams joins Scott Brown and Steven Whittaker at Fleetwood Town




































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Highland Council continues to support paid internships providing valuable experience to unemployed workers

The Highland Council and its public sector partners run paid internships, providing valuable work experience opportunities for those living in the Highlands region who are not in employment, education or training.

Internships are an opportunity to learn important employability skills, gaining industry-recognized qualifications while working in a trainee role, where they will earn a Scottish Living Wage.

Cameron ‘Cammy’ MacDonald works with the council’s housing maintenance team in Alness, but before he started in February he had been out of work for several months.

In his new team, he enjoys learning various skills, such as painting, garden maintenance and preparing houses for relocation.

Throughout Cammy’s placement, he is supported by a mentor, Charles Augustine.

Charles said: “It has been a pleasure working with Cammy and I am delighted to see him gain confidence in his work and around his co-workers. He is the first to arrive at work each morning and is always happy to continue his work and try new tasks.

Cammy said, “I really enjoy my job and being part of a team. It’s good to be tired at the end of the day!

Martin Gemmell, Building Maintenance Team Leader, said: “Cammy is a great asset to the department with his hard work and can-do attitude and it’s been really good to see him blossom into a colleague of confident work that is highly appreciated by his peers.”

Funded by the Highland Council and the Scottish Government’s Youth Guarantee and Long-Term Unemployment funding streams, Public Sector Paid Placements support unemployed Highland residents seeking to progress into employment.

The program provides participants with relevant work experience and the opportunity to access training and gain valuable skills, helping them progress towards sustainable employment.

Chairman of the Council’s Economics and Infrastructure Committee, Cllr Ken Gowans, said: “I wish Cammy and all the other young people who will benefit from the opportunity to gain work experience and learn new valuable skills through this program.

More information on paid placement opportunities can be found by visiting www.highland.gov.uk/employplacements

A special drop-in event for anyone ages 16-24 who is not currently employed, in education or training and those over 25 who have been primarily unemployed for 12 months will be held at the Spectrum Center in Inverness on Thursday July 14 from 10 a.m. to 2 p.m.

The event is a chance for anyone interested to come and learn more about paid six-month internships.


Do you want to react to this article ? If yes, click here to submit your thoughts and they may be published in print.

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Title bid is high on the mind of determined Brora Rangers boss Craig Campbell





Title bid is high on the mind of determined Brora Rangers boss Craig Campbell


































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Best of Leisure 2022

Best annual festival

GREAT AMERICAN BEER FESTIVAL

Awarding 290 medals to 265 breweries in 2021, the Great American Beer Festival lives up to its title as “the world’s largest commercial beer competition.” Returning to the Colorado Convention Center in October for the festival’s 40th anniversary, GABF promises an experience that combines tasting, judging, and tasting all things beer.

The festival has a history of its tickets being snapped up. So keep an eye on the schedule, as tickets go on sale to the public on July 13.

Finalists

Card Bike rentals

Best place for mountain biking

COPPER MOUNTAIN SKI RESORT

Although known for its ski facilities, the summertime alter ego of mountain biking paradise Copper Mountain should receive the same praise. With eight different trails reserved for mountain biking, enthusiasts can test themselves on a wide range of difficulties. The American Eagle lift is open daily in the summer, but cyclists will have to wait until weekends to use the Woodward Express lift. Don’t have your own equipment? Copper Mountain offers several bike rental options.

Finalists

Best place to play Hooky

DENVER ZOO

What better way to distract yourself from work than by spending a day at the Denver Zoo? With tickets just $20 for adults throughout the zoo’s summer season, the zoo is one of the cheapest ways to fill a few hours in the Denver area. Seeing the animal exhibits is just one of the many ways to learn and experience all the Denver Zoo has to offer. With various informative animal talks and feeding sessions, visitors can partake in a new experience with each visit.

Finalists

Best place to ski

BRECKENRIDGE SKI RESORT

Breckenridge’s 187 trails on 2,908 skiable acres offer visitors of all skill levels the opportunity to explore one of Colorado’s most beautiful regions. One of the stops on the Mountain Dew’s Dew Tour winter circuit, Breckenridge’s partnership with the company goes well beyond the extreme sports event as they have created terrain features from recycled materials to support the Vail Resorts goal of zero waste to landfill by 2030. .

Finalists

Best attraction to impress visitors – Denver

RED ROCKS AMPHITHEATER

Whether you are visiting Colorado for the first time or returning as an old friend, the Red Rocks Amphitheater will never fail to take your breath away. With an ever-rotating schedule of events ranging from yoga to comedy shows, DJs to high school grads, Red Rocks captivates with its unparalleled setting and all-around live entertainment.

Interested in learning more about those who took the stage here? Visit the on-site Red Rocks Hall of Fame to visit or revisit iconic artists over the years.

Finalists

Wild Animal Sanctuary 2

Best attraction to impress visitors – Eastern Plains

THE WILD ANIMAL SANCTUARY

In its more than 40-year history, the Keenesburg Wild Animal Sanctuary has housed over 1,000 animals, providing expansive enclosures to replicate their natural habitats and promote animal welfare rather than creating another trap to tourists at the expense of the animals themselves.

“Every lion, tiger, bear, wolf and other animal living at the Sanctuary has been rescued from an illegal or abusive situation,” the organization said. “Visiting the sanctuary is a privilege and requires a serious commitment from people in order to be part of the solution to the captive wildlife crisis.”

Best attraction to impress visitors – Western Colorado

COLORADO NATIONAL MONUMENT

The sandstone towers that dot Colorado National Monument are part of an intimidating landscape that welcomes the park’s many annual visitors. For the bravest, the canyons have beautiful features just waiting to be climbed. For those more inclined to stay on the land, the park also offers hiking, camping, and biking options. Be careful because as you explore you may be accompanied by desert sheep, mountain lions, or other animals that inhabit this environment.

Finalist

Best golf course Private

THE INVERNESS CLUB

The Inverness Club is a private course, but its membership options promote a wide range of commitments for prospective members. All options allow members access to highly sought-after tee times well in advance, with the Platinum membership choice giving members options to book a week in advance.

The course itself is challenging but accommodating. As the club’s website says, “The course requires strategy and a thoughtful approach thanks to the gentle but unforgiving slopes, hills and deep bunkers.”

Finalists

Best golf course Audience

FOSSIL TRACE GOLF CLUB

Wanting to play a beautiful mountain golf course and wanting to drive to a beautiful mountain golf course are two very different things. Luckily for Denver residents, just 20 minutes from town is the Fossil Trace Golf Club where, according to the club, “golfers can experience a mountain course in an urban setting.”

Open to the public since 2003, Fossil Trace offers play between $110 and $130 on weekdays for an 18 round, with that price range increasing to a maximum of $150 for a weekend round.

Finalists

Dta Monarch O8a7821 Edit

Best casino

MONARCH CASINO

Play the night away at one of Monarch Casino Resort & Spa’s gaming options in its 60,000 square feet of gaming space. Try your luck at one of over 900 slot machines or camp around a blackjack table.

Table games not your speed? Walk through Monarch’s state-of-the-art Sportsbook with plenty of options to watch and bet on your favorite games.

Finalists

_______________________________________________________________________________________________________________________
This article is part of the 2022 Best of Colorado Business Choice Awards. Discover all the winners and finalists:
PROFESSIONAL SERVICES | TECHNOLOGY & ELECTRONICS | TRANSPORTATION | FINANCE
FOOD AND DRINKS | ACCOMMODATION & ACCOMMODATION | MAINTENANCE | IMMOVABLE
HEALTH | LIFESTYLE | PERSONAL EVOLUTION | OFFICE | RECREATION

Wimbledon celebrates the centenary of center court on Sunday

Center Court at Wimbledon is hosting musical celebrations for the first time before a full day of tennis on Middle Sunday to celebrate its centenary.

Veteran tennis broadcasters Sue Barker, John McEnroe and Clare Balding will talk about 100 years of on-court history from 1.30pm, before British singer Freya Ridings performs in front of thousands of spectators.

The British team’s Heather Watson will be first in the stadium, playing against Germany’s Jule Niemeier – and later world number one Novak Djokovic will face Tim van Rijthoven from the Netherlands.

They will be watched by spectators in the royal box, including Sir Cliff Richard and Brian Cox.

The club was due to house Harry Potter author JK Rowling, but pulled out at the last minute on Sunday morning after her partner, former tennis player Martina Navratilova, had contracted Covid, according to the All England Lawn Tennis Club (AELTC).

A spokesperson said: “JK Rowling was going to be Martina Navratilova’s guest today, and unfortunately Martina’s agent has confirmed that Martina has Covid and is now unable to attend the Royal Box.”

Thousands of free tickets were also donated to Ukrainian, Syrian and Afghan refugees, as well as community groups and schools.

Spectators in front of center court (Zac Goodwin/PA)

Center Court has been the main stage for the Championships since 1922, when the tournament moved from Worple Road in SW19 to Church Road.

From Althea Gibson being the first black player to win Wimbledon in 1957, to the now imprisoned former grand slam winner Boris Becker winning the year the Berlin Wall fell, he has hosted many memorable moments in history.

The court was also bombed in October 1940, during World War II, and Wimbledon was unable to repair the damaged section until 1947.

In 1979 it was extended to accommodate greater capacity, and in 2009 it gained a retractable roof.

For the past two years the tournament has been compromised by the coronavirus, as 2020 saw it cancelled, despite having a 50% capacity limit in 2021.

As it returns to its peak in 2022, spectators say the public’s affection for the ground hasn’t waned in 100 years.

Alison Montague, 77, and her daughter Katherine, 50, both from Kings Bromley in Staffordshire, have appeared in dozens of Wimbledon tournaments.

Alison, a retired school secretary, said her first visit was in 1950, when players used wooden rackets.

She told the PA news agency: “It’s very different now.

“Players used to walk around and you could get an autograph, but now you can’t get near it.”

She added that the atmosphere was “great” back then and still is today.

Katherine added: “My favorite moment on center court was when Roger Federer beat Andy Roddick in the thriller in five sets, and they cheered Roddick off the court – he got a standing ovation.

Roger Federer and Andy Roddick (Owen Humphreys/PA)
Roger Federer and Andy Roddick (Owen Humphreys/PA)

“He actually got more points than Federer, but the crucial points Federer won.

“It was very exciting. Roddick has never won Wimbledon.

SW19 veterans Maryjane, 75, and Annie, 69, both from Henley-on-Thames in Oxfordshire, sat on center court for Sir Andy Murray’s victory in 2013.

Maryjane told PA: “The Murray game, when they first closed the roof, it was so exciting.

“Also, I was in the final with Djokovic, Nadal and Federer, and they were absolutely amazing.

“They went on late into the night, and you couldn’t go. Could. Not. Go.

“I was also in the 77th final when Virginia Wade won and the queen was there.”

When asked what makes Center Court special, Annie added: “It just is.

“It’s iconic, and as things change, it hasn’t changed too much. The roof hasn’t ruined it.

It’s become one of the most iconic landmarks in all of sport, and what we’ve really tried to focus on is looking ahead and what the future of this stadium might be.

Alex Willis

John Barrington, 73, a tennis coach for an amateur club in Somerset, said he first took to center court when it was empty after playing as a junior at Wimbledon Park in the age of nine.

He said: “I remember being taken to Center Court by my mum around 60 years ago.

“It was very impressive then and it still is today.”

Marie Selby, 63, a wedding dress designer from Kew, west London, said she had been sidelined “several times”, including when the Williams sisters first faced off in 2000.

Ms Selby, who was enjoying the Championships this year with her daughter, Phoebe, told PA: “You always feel very close to the players wherever you sit on center court.

“Even though it has grown as a court, you still feel very intimate.

“It’s just a really nice arena.”

Phoebe, a 25-year-old art gallery assistant, said her favorite moment was watching Gerard Butler and Bradley Cooper kiss in the royal box after Sir Andy’s victory.

The AELTC plans to expand Wimbledon into a nearby park over the next eight years, adding several more courts, including an 8,000-seat show ground.

AELTC’s Alex Willis told reporters: “It’s become one of the most iconic landmarks in all of sport, and what we’ve really tried to focus on is looking up. future and what the future of this stadium could be.

“What I hope is that the purity of the experience remains.”

Ms Willis said she envisioned a ‘Downton Abbey’ style development, with planners taking inspiration from ‘classic Tudor country houses’ – but said even 100 years from now the courts will still be all grass.

Ryan Christie reveals he could have joined Bournemouth BEFORE Celtic move

RYAN CHRISTIE has suggested his eventual move to Bournemouth was meant to happen after deciding to join Celtic despite interest from the Cherries in 2015.

Scotland international Christie moved to Bournemouth last summer and helped Scott Parker’s side to promotion to the Premier League.

It was a dream first season for his new club – but if things had turned out differently “seven or eight years ago”, Christie could have been lining up in red and black for several seasons already.

Christie burst onto the scene with Inverness and quickly won England admirers with Bournemouth making a bid early in his career.

The creative midfielder has been invited to tour the facilities ahead of a potential move – but he rejected an offer to seek more playing time from ICT before any transfer talks.

Christie excelled in the Highlands and in 2015 moved to Celtic where he would enjoy a trophy-laden spell after loans to Inverness and Aberdeen.

Speaking to the Bournemouth Daily Echo, Christie recalled: “I was very young, just starting out at Inverness. I think I made a few appearances for the first team.

“I haven’t really been told about it. I was still quite young and just focused on my football.

“My dad kind of said they made an offer to Inverness and I was invited to see the training ground and the setup and everything.

“But at that time I had barely started playing for Inverness. It was my boyhood club and I just wanted to make a mark with Inverness before looking elsewhere.

“I said no at the time and I stayed to play first-team football, to put myself in football properly.

“Even from little things like that, you just feel you have a bit of affiliation with a club moving forward and over seven or eight years later – here we are.

“It was good when I signed and a few people upstairs brought that up and said ‘seven years later, but we finally got over the line’.

“So that’s good, it feels like it was meant to be a bit.”

Yorkshire man Jim Morton travels 7,000 miles to Cornwall for charity

A recently retired 62-year-old entered Cornwall after hiking from his home in Yorkshire last April.

Former Navy man Jim Morton began his journey on April 12, 2021 and began by traveling up the west coast of Scotland. It then crossed the top of the country and descended via the east coast of the UK, having crossed the border with England in January this year.

He reaches Cornwall!

Jim has also retained an interest and connection with the Gurkhas since he began his naval life on HMS Gurkha and raises funds via the march for the Gurkha Welfare Trust, as they rebuild villages devastated by an earthquake. land in Nepal. He has so far raised over £20,000 for the organization which is enough to build two and a half new houses.

He had a turbulent time on the road, including being airlifted to hospital in Inverness after falling off a cliff, being swept out to sea twice, nearly swept away by floodwaters and rescuing trapped sheep, to give examples of his journey to date.

Another quick selfie for Jim

Another quick selfie for Jim

The West Country’s naval history has also given Jim the chance to meet senior officials en route in recent days and relive some of his memories on board, including when he visited HMS Raleigh, the site of his first day in services in 1976. .

He recently visited RNAS Culdrose in Helston, where he was photographed in front of a Merlin helicopter and Navy personnel.

Jim is currently wandering around Mullion where he will be staying with his wife Sue and their two Westies Shona and Maisie – who Jim jokingly said “are in charge of public relations and security”.

Security and PR Chief - Shona and Maisie

Security and PR Chief – Shona and Maisie

Although his trip was bumpy to say the least, Jim enjoys the scenery he experienced on his walk, even though he managed to fit five pairs of shoes and walking boots!

No stranger to Cornwall, Jim has been here several times throughout his life as his sister currently lives here.

“There’s nothing better than a Cornish pie and a pint of Rattler,” Jim said.

To learn more about Jim’s journey, you can visit his Facebook profile: https://www.facebook.com/I-may-be-gone-a-while-103893198051092/?ref=page_internal – and if you wish donate to Jim’s fundraising page – you can visit the link here: https://www.justgiving.com/fundraising/richard-morton11

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” th