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

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

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.

Inverness match preview | St Johnstone Football Club


Inverness progressed to the play-off final by narrowly beating Arbroath 5-3 on penalties after the match ended scoreless. Arbroath nearly grabbed a late winner Colin Hamilton sent a header against the crossbar.

Caley controversially ended the match with nine men after Danny Devine and Wallace Duffy were sent off. The close fight ended in a penalty shootout and after Arbroath veteran Bobby Linn had his kick saved by Mark Ridgers, Kirk Broadfoot headed home as Caley Thistle progressed to face the Saints .

The Saints ended their league campaign with a disappointing 4-0 loss to Hibs at Easter Road. The hosts took the lead just before half-time despite a solid first half from Saints. Paul McGinn managed to get on the end of Elias Melkersen’s cross, hooking the ball over his shoulder past Elliott Parish.

James Scott scored a second-half hat-trick to ensure the points stayed in the capital. The striker scored his first goal 3 minutes into the second half as he unknowingly found himself on the end of a cross from McGinn. Scott’s second goal came in the 61st minute as he converted a Joe Newell cross before the man on loan at Hull City completed his hat-trick 2 minutes from time as he headed home.

Preview of Melker Hallberg

“Everyone is feeling confident, we trained really well last week so all the guys are ready for Friday”

“We feel the pressure, but that comes with work. We are confident that we can ride and play however we want.

“They are a good team and it will be a tough game, but we know we have what it takes to get a good result to bring back to Perth.”

To watch Melker’s full press conference CLICK HERE

Tickets for our first leg of the play-offs are available for purchase now


Inverness Caledonian Thistle v St Johnstone

cinch Premiership Play-Off Final 1st Leg

Friday, May 20, 2022

7:45 p.m. kick-off

Caledonian Stadium


Adult £20

O65 £15

Student £15

Under 16 £5

Under 12 £0 (if accompanied)

Disabled carer £0

Tickets for children under 12 are not available online, but ticketing staff will be happy to assist you. The stadium is currently open Monday to Friday, 10 a.m. to 4 p.m. or by phone on 01463 222880 during office hours.

Please note that proof of eligibility for all concessions will be required


Tickets are currently available in Sections G, H and J of the South Stand for St Johnstone fans

Other sections will start to open based on ticket demand

Tickets for next Friday’s crucial first leg are now on sale HERE

The supporter buses are now full!

How to watch

If you are unable to participate in the play-offs but have a SaintsTV subscription, BOTH matches will be available to our international subscribers.

UK and Ireland subscribers can listen with audio only!

Busy agenda for new councilors in Ross-shire as Highland Council begins to take shape for a new five-year term


In short

  • Tourism recovery and green port aspirations for Cromarty Firth
  • Road collapse is an issue raised at doorsteps across the county
  • Inner Moray Firth development plan will affect everyone’s life
  • Is the centralizing pull of Inverness still unfairly strong in council decisions?

Ross-shire has elected its 28 councilors to represent the region which spans across Scotland – including more than a third who will be new to Highland Council.

Representatives will have a huge job to do as the region seeks to emerge from the economic downturn caused by the pandemic while dealing with a looming recession and cost of living crisis.

On top of that there’s the major visitor issue – for better and for worse – as tourism bosses hope cruises can start docking at Invergordon again while others seek to manage the way some are approaching the NC500.

But there are also major opportunities in the pipeline that could help provide economic stability potentially for decades to come as Highland Council is involved in the bid to bring a green Freeport to the Cromarty Firth.

RELATED: SNP and Independents confirm deal to lead new Highland Council

The move has the potential to generate what one insider said will be tens of billions in revenue for decades while creating thousands of jobs as the UK and Scottish governments seek to step up their zero-carbon efforts.

Elsewhere, the Small Business Federation has called on the council to become more business savvy and to be aware that more than 40,000 people in the region are employed in small and medium-sized businesses.

Big final decisions are also looming with the so-called Inner Moray Firth Development Plan which is expected to be decided in the coming months – it will effectively determine where people can build homes and businesses for the next decade.

Another key factor is Inverness’ huge presence on the doorstep of Ross-shire, a presence that is often felt to divert investment and effort from other areas as soon as you cross the Kessock Bridge.

But local towns like Dingwall, Tain, Alness, Invergordon and others are losing patience and demanding their fair share of the council’s investment – an issue that came up repeatedly during the campaign.

No other area has seen less investment than the UK’s largest ward – Wester Ross, Strathpeffer and Lochalsh, but the situation improved when local councilors set up their own local councils.

It’s something those elected will want to continue with incumbent Biz Campbell (Independent) joined by Patrick Logue (Conservative) with what was a double win for the SNP in Chris Birt and Liz Kraft.

One of the main areas of public concern is the lack of housing for locals, especially those entering the housing market for the first time, which has seen communities decimated, the ripple effect is a declining economy.

Graham Mackenzie, Margaret Paterson, Angela Maclean and Sean Kennedy are advisers to Dingwall and Seaforth.

The neighboring borough of Dingwall and Seaforth saw new councilor Sean Kennedy (independent) elected alongside incumbents Graham MacKenzie (SNP), Angela MacLean (Liberal Democrats) and Margaret Paterson (independent).

These include persuading local statutory bodies to allow businesses to move into Dingwall Business Park – so far they have been prevented from doing so due to risk objections. flooding despite the presence of SEPA there.

Cllr Kennedy said: “I am absolutely delighted to have been elected, of course I can’t wait to get to work but I would like to remind the people of Dingwall and Seaforth that I am here to represent them.

“The most important thing I can do now is learn the ropes of advice, as I said during the campaign, and keep my ear to the ground. People here want someone who listens and responds and who really is their voice on the board.

“I think we don’t have a moment to lose because if we don’t start working to move the region forward, to take care of its people, all we’re doing is walking on water and I feel like we’ve been doing it for way too long as it is.”

In terms of major industries, key areas are Cromarty Firth and Tain and Easter Ross, which encompass the ports of Nigg and Invergordon and could become the center of a renewable energy boom.

In Tain, Derek Louden (SNP) and Alasdair Rhind (independent) were elected there and they were joined by newcomer Sarah Rawlings (Liberal Democrats) who pulled off a surprise by replacing Fiona Robertson.

Pauline Munro, Maxine Morely-Smith, Molly Nolan and Tamala Collier are councilors for the Cromarty Firth ward.
Pauline Munro, Maxine Morely-Smith, Molly Nolan and Tamala Collier are councilors for the Cromarty Firth ward.

The Cromarty Firth saw Tamala Collier (SNP), Maxine Morley-Smith (independent), Pauline Munro (independent) and rising Liberal Democrat star Molly Nolan elected.

Cllr Nolan said: “For me, party politics has taken a step back this week. Councilors on all sides have major statutory and protective responsibilities for the most vulnerable people in the Highlands, and it has been truly humbling to be entrusted with this.

“As the new administration takes shape, my priority is to get it right and make sure people who depend on city services are well taken care of.”

Sarah Atkin, Lyndsey Johnston and Morven-May Maccallum will represent the black island.
Sarah Atkin, Lyndsey Johnston and Morven-May Maccallum will represent the black island.

Across the water from the two harbors is the Black Isle ward, which elected Sarah Atkin (Independent), Lyndsey Johnston (SNP) and Morven-May MacCallum (Liberal Democrats) as councillors.

They are all new to the council after the incumbents resigned, but will have to heed local opposition to noise from Nigg and Invergordon while recognizing how much the sites boost the economy.

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Lightwave Logic to Host Annual Meeting of Shareholders May 26, 2022


ENGLEWOOD, Colo., May 17, 2022 /PRNewswire/ — Lightwave Logic, Inc. (NASDAQ: LWLG), a technology platform company leveraging its proprietary electro-optical (EO) polymers to transmit data at higher speeds with less power, will host its annual meeting of shareholders 10:00 a.m. Mountain Time ThursdayMay 26, 2022 at Hilton Denver Inverness in Englewood, Colorado.

Annual meeting of shareholders
When: Thursday May 262022 Time: 10:00 a.m. Mountain Daylight Time Location: Hilton Denver Inverness – Conference A, 200 Inverness Dr W, Englewood, CO 80112
Webcast of the presentation: https://viavid.webcasts.com/starthere.jsp?ei=1544482&tp_key=3c8d96d340

For those unable to attend the meeting in person and watch CEO Dr. by Michael Lebby company update presentation, live webcast and recording – including audio presentation and slide presentation – will be made available on the webcast link above and on the Company Website.

Investors who wish to submit questions for consideration during the Q&A session following the presentation prepared by Dr. Lebby may submit them to MZ Group at [email protected].

About Lightwave Logic, Inc.
Lightwave Logic, Inc. (NASDAQ: LWLG) is developing a platform that leverages its proprietary electro-optical (EO) polymers to transmit data at higher speeds with less power. The company’s high-activity, high-stability organic polymers enable Lightwave Logic to create next-generation EO photonic devices, which convert data from electrical signals to optical signals, for applications in the data communications and telecommunications markets. . For more information, please visit the company’s website at lightwavelogic.com.

Safe Harbor Statement Information in this release may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. You can identify such statements by the words “may”, “will”, “should”, “anticipates,” explores”, “expects”, “anticipates”, “continues”, “estimates”, “plans”, “intends”, and similar expressions. Forward-looking statements involve risks and uncertainties that could cause could cause actual results to differ materially from those projected or anticipated.These risks and uncertainties include, but are not limited to, lack of available financing; general economic and business conditions; competition from third parties; third party intellectual property rights ; regulatory constraints; changes in technology and methods of marketing; delays in the completion of various engineering and manufacturing programs; change s in customer ordering habits; changes in product range; success in technological advances and the delivery of technological innovations; component shortages; production delays due to performance quality issues with outsourced components; the events and factors that we describe in Section 1.A “Risk Factors” of our most recent Forms 10-K and 10-Q; other risks to which our company is subject; other factors beyond the company’s control.

Contact with Investor Relations:
Greg Falesnik or Luke Zimmerman
MZ Group – MZ North America
[email protected]

SOURCELightwave Logic, Inc.

Rangers 2008 UEFA Cup final XI and where they are now ahead of Europa League final showdown


14 years after their last European final, Rangers are preparing to play another.

They have a date with fate against Eintracht Frankfurt in Seville this Wednesday.

The competition may be called the Europa League these days, but the Ibrox club have reached the final hurdle in their previous incarnation as the UEFA Cup.

A 2-0 loss to Russian stars Zenit St Petersburg was painful for Glasgow’s blue half.

Two of their 2007/08 squad are set to play at the Ramon Sanchez-Pizjuan this week, proving the incredible longevity they have shown over glittering careers.

Sadly, legendary manager Walter Smith passed away last year, although the current crop may honor him and the late Jimmy Bell by lifting the trophy in Spain.

soccer scotland take a look at the starting XI that night at the City of Manchester Stadium [now the Etihad] and where their careers have taken them since.

neil alexander

The goalkeeper got his last chance after Allan McGregor was ruled out with injury.

Moved to Crystal Palace before making a league-winning return to Hearts in 2014.

Stays in Aberdeen, Livingston and Dunfermline followed. Retired from playing in 2018 and became goalkeeping coach for Dundee United and is currently part of John Highes’ behind-the-scenes team at Dunfermline.

Kirk Broadfoot

Left Rangers in 2012 after the club went into liquidation and joined Blackpool before moving to Rotherham United.

Returned to Scotland in 2017 with Kilmarnock then returned a year later after a short stint with St Mirren.

Joined Inverness CT last summer and could help bring the Highlanders back to the Premiership with a final play-off clash with St Johnstone coming this week.

David Weier

The veteran defender retired in 2012 and had a short spell in charge of Sheffield United after initially coaching at Everton.

He returned to Ibrox as an assistant to Mark Warburton after the pair worked together at Brentford.

Left after the dismissal of Warburton in 2017, he is now technical director of Brighton, the English Premier League team.

Carlos Cuellar

The Spanish centre-back left Rangers just months after the 2008 final, joining Aston Villa in a £2.3million deal.

Spent four years at Villa Park before joining Sunderland, then Norwich City from the Stadium of Light.

He returned to Spain with Almeria in 2015 before moving through several Israeli clubs before his retirement in 2019.

Sasa Papac

Rangers’ Viktor Fayzulin (left) and Sasa Papac

The Bosnian left-back was a heavy favorite at Ibrox.

A lingering groin injury caused problems towards the end of his time at Govan, and he was forced to retire after leaving the club in 2012.

Had a stint as technical director of Zeljeznicar in his native country but left there in 2018.

He was recently back at Ibrox for a legends game to mark the club’s 150th anniversary.

Brahim Hemdani

The Algerian was something of a European specialist for Rangers, Walter Smith regularly recruiting him in midfield for the big Euro nights.

The final turned out to be his last game for the Light Blues after he was frozen the following season and left in January 2009.

Barry Ferguson

The 2008 final ended up being the only final Ferguson ever lost as a player.

His second spell at his boyhood club ended in July 2009 when he left for Birmingham City.

He tasted League Cup success with the St Andrews club under Alex McLeish.

Spent three years at Blackpool which included a loan spell at Fleetwood Town before hanging up his boots.

His managerial career saw him take charge of Clyde before managing Kelty Hearts at the SPFL.

Alloa’s move to manager didn’t go well and Ferguson was sacked earlier this season.

Is a regular radio pundit and newspaper columnist these days.

Kevin Thomson

Rangers' Kevin Thomson (left) and Steven Whittaker (right) and Viktor Fayzulin
Rangers’ Kevin Thomson (left) and Steven Whittaker (right) and Viktor Fayzulin

Thomson left Rangers two years after Manchester lost to Zenit, signing for Gordon Strachan’s Middlesborough.

However, injuries hampered his time at Teeside and he joined training club Hibs in 2013.

The Hibees suffered relegation the following season, however, and Thomson signed a one-year contract with Dundee.

Was back at Easter Road for a third spell a year later and helped the Easter Road club win the 2016 Scottish Cup.

Ended his playing career with a brief stint at Tranent Juniors before returning to Rangers as academy coach.

Replaced former team-mate Ferguson as Kelty Hearts boss last summer and led them to the League Two title this campaign.

Steven Whittaker

Left Ibrox after its liquidation in 2012 to sign for Norwich City.

Spent five years at Carrow Road before joining Hibs in 2017.

Three years at Easter Road ended when he signed for Dunfermline and most recently coached the first team until agreeing to become Scott Brown’s assistant at Fleetwood Town last week.

Steven Davis

Incredibly, is about to play his second European final with the Gers, 14 years after the last.

Spent seven years at Southampton from 2012-17, then returned to Rangers for a second stint, initially on loan.

He’s unlikely to start at Sevilla and he’s out of contract at the end of the season, but what better way to sign than with a Europa League winners’ medal?

Jean-Claude Darcheville

Led the line for Rangers that night, but left the club the following January to return to France with Valenciennes.

Spent a year in Greece before returning to France and retiring in 2014.

For your chance to win HOME tickets to Cinch SPFL matches every week in all FOUR divisions, simply enter our competition below. You can enter once a week for a chance to win. If the form does not work (CLICK HERE)…Good luck!

David Lammy urges Boris Johnson to quit amid partygate fury


David Lammy has accused the government of ‘laughing’ at the public after a bottle of champagne from the Tory chairman was auctioned off as a ‘partygate memento’.

Speaking at a protest opposite Downing Street on a wet Sunday afternoon, the Shadow Foreign Secretary called Boris Johnson a ‘travesty’ and called on him to quit.

‘Just a few days ago a bottle of champagne, signed by Boris Johnson, was auctioned off at a Hertfordshire Conservative Party meeting,’ he said.

“It was a meeting of the chairman of the Conservative Party, Oliver Dowden.

“Signed on this bottle, alongside Boris Johnson’s signature, was that it was a souvenir from partygate.”

Mr Lammy’s mention of Mr Dowden drew boos from the crowd, many of whom were carrying EU flags, umbrellas and berets.

Shadow Foreign Secretary David Lammy (Aaron Chown/PA)

The bottle, advertised to bidders as a ‘memorabilia from partygate’, the series of parties held in Downing Street during lockdown, was in fact auctioned off by a Hertfordshire charity.

A spokesperson for Mr Dowden confirmed he had donated the champagne, but added he had ‘no prior knowledge’ of its description.

Tottenham MP Mr Lammy continued: “My friends, they are laughing at us, they are laughing at us.

“And the simple question for the British public is, does it matter if you have a prime minister who breaks the rules?

“We are watching Boris Johnson, we are watching the travesty that has hit No 10 and our country, and we are saying quit now.”

In an apparent reference to the No 10 lockdown parties, for which the Prime Minister was fined by police, one protester held up a sign that read: ‘I brought my own boos.’

Mr Dowden handed the champagne to the Hertfordshire Community Foundation, which confirmed the Tory chairman was not responsible for the partygate reference.

Prime Minister Boris Johnson (Victoria Jones/PA)
Prime Minister Boris Johnson (Victoria Jones/PA)

It said in a statement: ‘This item was donated in good faith several months ago as part of a charity auction raising funds to support some of the county’s most vulnerable residents.

“The description was not written or seen by MP Oliver Dowden prior to the event.

“On behalf of the association, we apologize for any offense caused.”

Natalie Bennett, the green peer who ran unsuccessfully for parliament three times, said Britain was ‘not a democracy’ in her speech at the protest.

“Boris Johnson has 100% of the power on this side of the Houses of Parliament, despite only winning 44% of the vote,” she said.

“Not only are we not a democracy, but we are moving very quickly, as many have said, towards an autocracy.”

Inverness Creative Academy opened the second half of its project with an event last week

Drew Hendry MP and Audrey Carlin. Photos: Callum Mackay

THE second half of the development houses a community space and cafe as well as shared office facilities and offices for the creative industries.

A £6million transformation has seen the site of the former Inverness Royal Academy building in Midmills transformed into the largest creative facility of its kind in the Highlands.

The first phase was completed in 2018, which created 30 studio spaces for artists.

Artist Cecilia Mann, Rachael Smith and Molly McGhee.
Artist Cecilia Mann, Rachael Smith and Molly McGhee.

The opening is marked by a new exhibition, Home & Away, which will be presented until the end of May.

Wasps President and CEO Audrey Carlin was thrilled to officially open the building.

“There have been so many people who have helped us and provided us with guidance, advice and support and are now involved in the creative academy here,” she said. “It was all about welcoming our creative tenants into the building and we’ve already had over 10,000 visitors through the door.

Lorna and Valerie Campbell.
Lorna and Valerie Campbell.

“It’s a creative installation that the Highlands badly need.

“I’m sure you’ll agree that we exceeded expectations in a design context and it no longer feels like an assembly hall. Delivering this during a pandemic was not something anyone could have anticipated. We are proud of what has been accomplished.

“Thank you to all of our artists and creative tenants. It’s really all about you now. But today is not just about celebrating the conversion of these buildings, it is also about the creative talent that lies here in the Highlands.

Simon and Dyane Owen.
Simon and Dyane Owen.

“At a local level, Inverness Creative Academy is there to support an already vibrant creative community ready to play its part in attracting people to the city centre, providing a destination to engage in art and creativity as well as to enjoy a good coffee at our wonderful new café.

MSP Emma Roddick.
MSP Emma Roddick.

“Nationally, this facility is already attracting talent and exciting new creative businesses to come, stay and grow in the Highlands, contributing to the region’s unique identity. And across the UK, this installation is already inspiring and nurturing the next generation of artists and creative entrepreneurs in the creative economy, one of the fastest growing economic sectors in the UK.

Heritage remains a key part of the project, and a time capsule created by students from Crown Elementary School is buried in front of the buildings.

Audrey makes a speech.
Audrey makes a speech.

MP Drew Hendry added: ‘It’s a place of huge social significance in terms of heritage and a place in Inverness. It is truly a living testimony to what can be achieved if people with a vision come together to step forward and make it happen.

“It has been absolutely vital for the community to support this project. It’s an important meeting space where people can get together again and share a coffee about their day, meet friends and what a great time for this opening.

“It’s an asset to the whole of the Highlands and the art space that was badly needed.”

Inverness Creative Academy.
Inverness Creative Academy.

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Virginia Court Approved $489 Million in Aid for Victims of Illegal Internet Payday Loans


RICHMOND, Va. (WRIC) – The federal court in Richmond has given preliminary approval to a class action settlement that would provide $489 million in relief to victims of illegal internet lending.

The ruling was released Thursday, May 12, and will affect approximately 555,000 consumers who have been charged more than 600% interest on loans by predatory internet payday lenders.

Litigation against predatory lenders began more than three years ago when a coalition of law firms, including the Virginia Poverty Law Center, Kelly Guzzo and Consumer Litigation Associates, came together to address the ongoing challenge of lending illegal wages.

“These law firms have taken the illegal lenders to court,” said Jay Speer, executive director of the Virginia Poverty Law Center. “We are very grateful for their tenacity and passion in engaging in this three-year fight for today’s settlement.”

Today’s settlement is one of many these law firms have secured with illegal internet lenders in recent years, including a $433 million settlement in 2019.

The proposed settlement provides $450 million in consumer debt forgiveness that will be paid in cash for most consumers.

The settlement will also set aside $39 million for the creation of a common fund for those who have repaid illegal amounts.

Settlement Class Members will not need to submit a Claim Form and will receive notice by email or US Mail.

In addition to litigation, VPLC assists borrowers through the organization’s predatory lending hotline at 866-830-4501 and advocating for better laws to protect borrowers.

Customers vote for compensation plan that could keep lender Amigo afloat

The future of lender Amigo has been uncertain for two years (Dominic Lipinski/PA)

Borrowers who were wrongly sold loans that Amigo could not afford have thrown the struggling company a lifeline by voting for a compensation program that could allow it to continue operating.

The company said its creditors had voted for a plan which it hopes can give them 42p for every pound owed to them.

The proposal was supported by nearly 89% of customers who voted and beat out a second proposal which would have liquidated the company with a lower payment to customers.

“Our customers voted in favor of the new business program, which the Amigo Board of Directors believes provides the maximum possible recourse to creditors,” Chief Executive Gary Jennison said.

Approval of the program will provide the best possible outcome for creditors, and Amigo’s proposed return to lending will allow us to play an important role in the non-conventional lending industry.

Gary Jennison, Amigo

“This is an important step in settling liabilities arising from historical lending practices under previous management.

“However, the new trade regime has yet to be sanctioned by the court.”

The case will go to court on May 23 and 24.

The company’s future has been in limbo for two years after receiving so many compensation claims it simply couldn’t pay them all.

“Amigo does not have enough money to pay the full amount of cash compensation to people who have valid claims,” the company acknowledged in a document sent to plaintiffs.

A year ago, aggrieved customers voted in favor of another deal, which would have given them just 10p for every pound they were owed.

But this was rejected by the High Court, which said it was not fair. “We learned from the court’s decision,” Amigo said as the final vote approached.

So over the past few months, he worked with a panel of eight randomly selected clients to devise two new options that all creditors could then vote on.

Although this is just an estimate, the company believes it can repay 42p for every pound owed if it can continue to trade and certain other conditions are met.

The other option, which also passed in the vote but with a lower tally, would cut Amigo and return 29p for every £1 it owes customers with valid claims.

The company is still under investigation by the Financial Conduct Authority (FCA). It will have to sell new shares and dilute the ownership of its former shareholders to raise funds to pay back customers.

Mr Jennison said: “We would like to thank all the customers who have taken the time to have their voices heard, as well as the FCA who confirmed last month that there had been a significant improvement in the conditions of the program compared to to the first Amigo program.

“Approval of the program will provide the best possible outcome for creditors, and Amigo’s proposed return to lending will allow us to play an important role in the non-standard lending industry at a time of unprecedented cost of living increases. “

The FA Cup final dominates this weekend’s football on TV and online


This is officially the critical moment for Liverpool.

Saturday’s FA Cup final offers the Reds a chance to claim their second domestic title this year, while the Premier League and UEFA Champions League are also on the line over the next two weeks.

The game is a rematch of the thrilling EFL Cup final in which Liverpool beat Chelsea in February. The teams couldn’t be separated in regulation or overtime, and the Reds were perfect from the spot in a nervous 11-10 shootout.

As well as minding their own business on Saturday, Liverpool will be encouraging West Ham United to upset, or at least take points from Manchester City. Last weekend’s 1-1 draw with Tottenham came at a heavy cost, and Liverpool will need the help of an upcoming Manchester City opponent at this stage.

In Italy, Milan are close to completing the Scudetto but have rivals Inter Milan hot on their heels. The Rossoneri take on ever-credible threat Atalanta on Sunday and have no room for error with Inter in a more favorable game with drop zone dweller Cagliari.

If you haven’t already, be sure to sign up for your free trials of ESPN+ and Paramount+ for all your football streaming needs. Be sure to use these SBI-specific links to register today, and if you register for Paramount+ using our link (and use offer code SBI) you will receive a one week free trial.

Here’s a look at the top 5 games to watch from this weekend, plus a full look at this weekend’s football on TV and online:

This weekend’s top 5 games to watch

  1. Chelsea v Liverpool – A chance for Liverpool to take another step in their dominating campaign.
  2. West Ham United v Manchester City – The Cityzens are on the verge of winning the Premier League title, but should still consider this a must win.
  3. Atlético Madrid vs Sevilla – A win for either will land their UCL bid for next season and leave the door open to a bit of uncertainty for the loser.
  4. Milan against Atalanta – Milan are close to their 19th Serie A title but would be ill-advised to secure a win over Atalanta as a given.
  5. Philadelphia Union vs. New York Red Bulls – The Best MLS Game of the Weekend features the two best teams in the Eastern Conference going head-to-head.

This weekend’s football on TV and online



10:30 p.m. Portland Thorns v OL Reign

English Championship

2.45pm Luton Town v Huddersfield Town

CAF Champions League

15:00 Wydad Casablanca vs Petro de Luanda

Peruvian Primera Division

2:15 p.m. Sporting Cristal vs Ayacucho

Scottish Premiership

2:45 p.m. Arbroath vs. Inverness CT

Spanish Segunda

3:00 p.m. Real Sociedad II vs Almeria

USL Championship

10 p.m. Orange County SC vs FC Tulsa
10:30 p.m. LA Galaxy II vs. Louisville City

USL League 1

7 p.m. Greenville Triumph vs. Forward Madison


English FA Cup

11.45am Chelsea v Liverpool

German Bundesliga

09:30 Borussia Dortmund – Hertha BSC
09:30 Wolfsburg – Bayern Munich
9:30 a.m. Bayer Leverkusen vs Freiburg
9.30 a.m. Union Berlin vs. Bochum
09:30 Borussia Monchengladbach – Hoffenheim
09:30 Stuttgart v Cologne
09:30 Mainz 05 – Eintracht Frankfurt
09:30 Augsburg – Greuther Furth
09:30 Arminia Bielefeld v RB Leipzig

Italian Serie A

09:00 Empoli vs Salernitana
12pm Hellas Verona vs Torino
12:00 Udinese v Spezia
2:45 p.m. Roma v Venezia

French League 1

3 p.m. Olympique Lyonnais – Nantes
3:00 p.m. Monaco v Brest
3:00 p.m. Montpellier vs. PSG
3:00 p.m. Nice v Lille
3:00 p.m. Rennes vs Olympique Marseille

major league soccer

3:00 p.m. Toronto FC vs. Orlando City SC
3:30 p.m. Colorado Rapids vs Los Angeles FC
7:00 p.m. New York City FC vs. Columbus Crew
7:00 p.m. Vancouver Whitecaps vs. San Jose Earthquakes
7:00 p.m. Charlotte FC vs. CF Montreal
7:30 p.m. Philadelphia Union vs. New York Red Bulls
8 p.m. Chicago Fire vs. FC Cincinnati
8 p.m. Inter Miami vs. DC United
8:30 p.m. Houston Dynamo vs. Nashville SC
9:30 p.m. Real Salt Lake vs. Austin FC
10 p.m. Portland Timbers vs. Sporting Kansas City
10:30 p.m. LA Galaxy vs FC Dallas

MX League

7 p.m. America vs. Puebla
9:05 p.m. Pachuca – Atletico San Luis


6:30 p.m. Orlando Pride vs. Kansas City Current
7 p.m. NJ/NY Gotham FC vs. North Carolina Courage
8 p.m. Racing Louisville FC vs. Houston Dash


3:30 p.m. Palmeiras vs RB Bragantino
3:30 p.m. Ceara vs Flamengo
6 p.m. Atlético Mineiro vs Atlético Goianiense
6 p.m. Internacional v Corinthians
8 p.m. Fluminense vs Athletico-PR

Canadian Premier League

4 p.m. Forge vs Atlético Ottawa
7 p.m. Pacific vs. Edmonton

English Championship

10.00am Sheffield United v Nottingham Forest

english league 2

2.45pm Mansfield Town v Northampton Town

French League 2

1:00 p.m. Ajaccio v Toulouse

Honduran National League

9:00 p.m. Real Spain vs. Marathon

CAF Champions League

3:00 p.m. ES Setif vs Al Ahly

Scottish Premiership

7.15am Celtic v Motherwell

Spanish Segunda

12:15 p.m. Real Valladolid vs Ponferradina

USL Championship

7 p.m. Hartford Athletic vs. New York RB II
7 p.m. Charleston Battery vs. New Mexico United
7 p.m. Miami FC vs. San Antonio
7 p.m. Pittsburgh Riverhounds vs. El Paso Locomotive
7:30 p.m. Detroit City vs. Loudoun United
8 p.m. Memphis 901 vs. Indy Eleven
10 p.m. Monterey Bay vs. Rio Grande Valley
10 p.m. San Diego Loyal vs. Colorado Springs
10 p.m. Las Vegas Lights vs. Oakland Roots

MLS Next Pro

6:00 pm Minnesota United II vs. Houston Dynamo FC II
6:00 p.m. Rochester New York vs. Inter Miami II
6:00 p.m. Toronto II vs. New England II
9 p.m. North Texas vs. Whitecaps II

USL League 1

5:00 p.m. North Carolina vs. Tormenta
6:30 p.m. Richmond Kickers vs. Union Omaha
7:30 p.m. Chattanooga Red Wolves vs. Central Valley Fuego


English Premier League

7:00am Tottenham Hotspur v Burnley
9:00 a.m. Aston Villa v Crystal Palace
9am Leeds United vs Brighton & Hove Albion
09:00 Watford v Leicester City
9:00 a.m. West Ham United v Manchester City
9 a.m. Wolverhampton Wanderers v Norwich City
11.30am Everton v Brentford

Spanish league

12:30 p.m. Athletic Club vs Osasuna
12:30 p.m. Atlético Madrid vs Sevilla
12:30 Real Betis vs Granada
12:30 Celta de Vigo vs Elche
12:30 Mallorca vs Rayo Vallecano
12:30 Getafe v Barcelona
12:30 Cádiz vs Real Madrid
12:30 Espanyol v Valencia
12:30 p.m. Levante vs Deportivo Alavés
12:30 p.m. Villarreal v Real Sociedad

Italian Serie A

06:30 Bologna v Sassuolo
09:00 Napoli vs Genoa
12 p.m. Milan vs Atalanta
2:45 p.m. Cagliari – Inter Milano

major league soccer

1:30 p.m. Atlanta United vs New England Revolution
4 p.m. Seattle Sounders vs. Minnesota United

MX League

7 p.m. Atlas v Guadalajara
9:05 p.m. UANL Tigers vs. Cruz Azul


5 p.m. San Diego Wave vs. Chicago Red Stars
5:00 p.m. Washington Spirit vs. Angel City

Belgian First Division A

7:30 a.m. Antwerp vs Club Brugge
10 a.m. Genk vs Ghent
12:30 p.m. Anderlecht – Union Saint-Gilloise


3:00 p.m. Sao Paulo vs Cuiaba
3pm Botafogo v Fortaleza
4:30 p.m. Coritiba vs America Mineiro
5pm Avaí vs Juventude
6pm Goias vs Santos

Canadian Premier League

2 p.m. HFX Wanderers vs. Cavalry
5 p.m. Valor vs. York United

FA Women’s FA Cup

9:30 a.m. Chelsea v Manchester City

english league 2

7am Swindon Town v Port Vale

German Bundesliga 2

09:30 St. Pauli vs Fortuna Dusseldorf
09:30 Nurnberg v Schalke 04

African Confederation Cup

12pm Orlando Pirates vs Al Ahli Tripoli
4 p.m. RSB Berkane vs TP Mazembe

UEFA Women’s Under-17 Championship

8:00 a.m. UEFA U17 Championship Third place
2:00 p.m. UEFA U17 Championship Final

Dutch Eredivisie

08:30 AZ v RKC Waalwijk
8.30 am Feyenoord v Twente
8.30 a.m. PEC Zwolle – PSV
8:30 Speed ​​- Ajax

Spanish Segunda

10:00 Sporting Gijón vs Girona

Swedish Allsvenskan

9am Hammarby vs AIK

Turkish Super League

09:00 Trabzonspor vs Altay
12pm Fenerbahce vs Fatih Karagumruk

USL Championship

9 p.m. Phoenix Rising vs. Tampa Bay Rowdies

MLS Next Pro

4:00 p.m. New York City II vs. Columbus Crew II
6 p.m. Chicago Fire II vs FC Cincinnati II
10 p.m. Portland Timbers II vs. Sporting Kansas City II
10 p.m. Tacoma Defiance vs. Real Monarchs
10:30 p.m. San Jose Earthquakes II vs. Colorado Rapids II

USL League 1

6 p.m. Charlotte Independence vs. Tucson

Ex-MP Natalie McGarry guilty of embezzlement in ‘significant breach of trust’

Natalie McGarry leaves Glasgow Sheriff Court where she was found guilty of embezzling nearly £25,000 (Andrew Milligan/PA)

Former MP Natalie McGarry committed “significant breach of trust”, a court heard, as she was found guilty of embezzling nearly £25,000 from two independence groups.

McGarry, who represented Glasgow East between 2015 and 2017, was found guilty of two embezzlement charges – totaling £24,635 – 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.

However, the jury removed a sum of £1,026 from the charge which represented donations which were to be made to charities Perth and Kinross Foodbank and Positive Prisons Positive Futures.

She was also convicted by majority of a second charge of taking money between April 9, 2014 and August 10, 2015, when she was Treasurer, Secretary and Convenor of the Glasgow Regional Association (GRA) of the SNP.

Sheriff Tom Hughes told McGarry that the two organizations gave her a position of trust, which helped her get elected to Westminster.

He said: “You have been found guilty of a series of incidents which took place over a long period of time.

“This was not an isolated incident. You made a number of transactions to enable you to commit this crime.

“There is a significant breach of trust in all of this. You have been asked to look after the finances of Women for Independence and the Glasgow Regional Association of the SNP.

McGarry, who made no reaction to the reading of the verdict, was joined by her family in court.

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

The ex-SNP MSP for Carrick, Cumnock and Doon Valley, said she had no idea that donations made to Crowdfunder Group Independence 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 was thin and regularly received loans from family and friends.

This included Health Secretary Humza Yousaf, who gave the former MP £600 to stop her being evicted from her home.

The court also saw McGarry’s bank statements which showed that Crowdfunder donations from WFI 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 groceries.

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

Around £5,000 or £10,000 of expenses were incurred for banners and badges, she said.

These had been paid for by large cash donations amounting to around £1,500 to £1,600 a month from family members – including his aunt, Tricia Marwick, a former chairwoman of Holyrood.

Among the donations, Sheriff Hughes continued, “There were a lot of people who contributed [to the Crowdfunders] who were really unable to afford it.

Sheriff Hughes released McGarry on bail for background and social work reports.

She is scheduled to appear for sentencing on June 30.

New owner sought for two hotels in one of Scotland’s best places to live


New owner sought for two hotels in one of Scotland’s best places to live

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Radar AM PYMNTS: Insta Payday; Sales channels


Today is Wednesday May 11th and it’s National Eat What You Want Day, so maybe it’s time to get some pizzas made by a robot and delivered by drone. Today is also Alvaro Bedoya’s confirmation vote at the Federal Trade Commission, but Republicans have called for his name to be removed, so anything can happen. Here’s what should be on your radar this morning.

Insta Payday: With 52% of adults living paycheck to paycheck, instant access to wages can be a retention benefit as well as a financial boost. The latest Expanding Payments Choice Playbook® from PYMNTS, a collaboration with Onbe, examines how using instant payroll can help companies build financial security and employee loyalty while reducing turnover. READ MORE

Sales channels: While 61% of online merchants increased their use of marketplaces last year, 40% of marketplace-native businesses don’t believe these avenues will make or break their future. Marketplaces are generally just one of many sales channels for retailers, with only 12% of them selling exclusively online. In Online Sellers: The Future is Cross-Channel, PYMNTS examines the e-commerce landscape and what drives merchants today. READ MORE

Africa packaging: The perception of products made in Africa needs a packaging reboot, Birame Sock, founder and CEO of African B2B marketplace Kwely, told PYMNTS. Poor packaging has led to poor product positioning, but Kwely believes that with the right tools, local producers can succeed in the global market. READ MORE

Crypto compliance: Cryptocurrencies operate on blockchains, which are publicly available and highly transparent, Andrew Fierman, head of sanctions strategy at Chainalysis, told PYMNTS. Once information is stored on a blockchain, it cannot be changed or deleted, allowing anyone to examine the entire transaction lifecycle – a plus for in-depth investigations into illicit behavior. READ MORE

ICYMI: The increased use of automation and robotics in the food industry is helping to fill the labor gap, but consumer preparedness varies by country. The Yo-Kai Express automated restaurant is seeing greater adoption in Japan, where it just launched last month because people are used to vending machines, COO Amanda Tsung told PYMNTS. The restaurant is also in the United States and Taiwan. READ MORE



On: Shoppers who have store cards use them for 87% of all eligible purchases – but that doesn’t mean retailers should start buy now, pay later (BNPL) options at checkout. The Truth About BNPL and Store Cards, a collaboration between PYMNTS and PayPal, surveys 2,161 consumers to find out why providing both BNPL and Store Cards is key to helping merchants maximize conversion.

Premiership play-offs well prepared after first leg stalemate at Highlands


Inverness 0-0 Arbroath: Premiership play-offs well prepared after first leg stalemate at Highlands

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The Calgary Flames even have their first-round playoff series with the Dallas Stars

Calgary Flames (Wikimedia Commons)

The Calgary Flames tied their first-round playoff series with the Dallas Stats on Monday. In Game 4 of the Western Conference Quarterfinals series, the Flames defeated the Stars 4-1 at American Airlines Center in Dallas, Texas.

The Flames got goals from Johnny Gaudreau, Rasmus Andersson, Elias Lindhiolm and Mikael Backlund. Gaudreau’s goal at 7:47 of the third period came on a penalty shot.

Gaudreau also became the 25th player in NHL history to score on a penalty shot in the playoffs. Former Calgary Flame Michael Frolik is the only player to score two goals on a penalty shot in the playoffs as he accomplished the feat twice with the Chicago Blackhawks. The only other Flames player to score a goal on a penalty shot in the playoffs was Al MacInnis of Inverness, N.S. in the Flames’ 5-3 loss to the Los Angeles Kings on April 4, 1990 in Game 1 of the Smythe Division Semi-Finals.

It was Gaudreau’s second penalty shot in the playoffs. The first came in Game 5 of the Western Conference Quarterfinals on April 19, 2019. In a 5-1 Flames loss to the Colorado Avalanche, Gaudreau was stopped by Philipp Grubauer.

Fifth best quarterback game of seven in Calgary. The match will be played on Wednesday evening.

Empty stores will be made available as part of high street relaunch plans


Landlords will have to make available to potential tenants businesses that have been vacant for more than a year as part of a plan to revitalize troubled city centers.

The unlocking of new powers for local authorities to bring empty premises back into use and launch rental auctions for vacant commercial properties in town centers and on high streets was included in the Queen’s Speech.

Other measures include the possibility of making sidewalk cafes that have sprung up during the Covid-19 pandemic a permanent part of the downtown landscape.

As part of the Leveling and Regeneration Bill’s measures to revive England’s high streets, councils will have the power to take control of buildings for the benefit of their communities.

During the pandemic, restaurants, pubs and bars have been granted temporary powers to serve customers on pavements (PA)

Mandatory rental auctions will allow landlords to make available to potential tenants businesses that have been vacant for more than a year.

Authorities will also be given increased powers to use compulsory purchase orders to deliver housing, regeneration programs and infrastructure.

Officials previously pointed to figures from the British Retail Consortium showing around one in seven stores were vacant, with up to a fifth empty in the North East.

Stores have been hit by high rental costs and business rates and a drop in demand as consumers move online, a trend exacerbated by the pandemic.

During the pandemic, restaurants, pubs and bars have been granted temporary powers to serve customers on the sidewalks.

It’s a big step forward in championing the success of independent retailers across the UK.

Jina Kwon, UK country manager at Ankorstore

Through new legislation, these powers will be made permanent to increase business capacity in hopes of boosting local economies.

Independent retail market Ankorstore said it was a “big advocate” for the legislation.

Jina Kwon, UK Country Manager at Ankorstore, said: “This is a big step forward in championing the success of independent retailers across the UK.

“The impact of forcing landlords to rent unleased properties on a high street is expected to lower the cost of entry for many local independent retailers, who are looking to restart their businesses after the ongoing effects of the pandemic continue to unfold. to make felt.

“By putting power in the hands of local leaders, communities will be able to experience more variety and competition in their area, encouraging growth and regeneration within boroughs, not just downtowns. “

Sadiq Khan practices pitching baseball in Central Park ahead of MLB appearance


Sadiq Khan prepared for his guest appearance by throwing out the ceremonial first pitch at a Major League Baseball (MLB) game while practicing in New York’s Central Park.

The mayor of London met with Hillary Clinton, the city’s current mayor Eric Adams and its former leader Michael Bloomberg on Monday at the start of his tour to boost London’s tourism and tech industries.

The West Coast leg of the trip began with Mr Khan landing in San Francisco around 10:30 p.m. (6:30 a.m. BST) before he appeared throwing the first pitch in the game between the hometown Giants and the Rockies of Colorado at Oracle Park on the San Francisco Bay on Tuesday.

The American tradition of having a guest of honor throw the first pitch dates back to at least 1890 and has generally included U.S. presidents since William Howard Taft in 1910.

Mr Khan attended the launch of an international tourism campaign – Let’s Do London – in Times Square on Monday and met MLB commissioner Robert Manfred to announce that the British capital would host regular season games for the league in 2023, 2024 and 2026.

Hillary Clinton is one of the political luminaries to have met Sadiq Khan during his American tour (Stefan Rousseau/PA)

“These games will be a fantastic opportunity to once again showcase London Stadium as a versatile venue and a fantastic asset to the capital,” said Mr Khan, before showing off his pitching skills in Manhattan’s famous park.

The New York Yankees played a two-game series against the Boston Redsox at the stadium in 2019 in the first regular season games played in Europe, with Mr Manfred saying all aspects of the meetings “were a resounding success “.

Mr Khan will meet with executives from Google and LinkedIn in San Francisco, before traveling to Los Angeles to promote London’s film industry.

A brunch in Denver for all budgets


Denver may not have invented brunch, but the Mile High City has perfected the midday meal, drawing crowds to sunny patios for stacks of fluffy pancakes, crispy bacon and flowing mimosas. From a French brasserie to an iconic brasserie to a gourmet buffet in the southern suburbs, brunch is serious business in and around Denver. But the beauty of this revered meal is that it can go in so many different directions – will it be an indulgent meal worth jamming on a Saturday morning? and afternoon for or is it a quick stop to refuel before hiking (or going back to bed)? It doesn’t matter if you’re looking to splurge or are on a budget, there’s a brunch in Denver that fits the bill.

Methodology: To assign a price per person to each of these meals, we totaled the average cost of a starter, a coffee and a cocktail or beer.

Garden Terrace at the Hilton Denver Inverness: $75 (including bottomless mimosas)

Against the backdrop of live jazz, the Sunday Champagne Brunch is back at Hilton Denver Inverness, a hotel near Park Meadows Mall. Head straight for the raw bar generously garnished with crab legs, shrimp and oysters. After that, you have options (100, in fact) that include tender and juicy slices of prime rib, small waffles, made-to-order omelets, sushi and sashimi, and pastries galore. 200 Inverness Drive W., Englewood

At Maggy’s: $55

Inside the new Thompson Hotel, the brasserie of starred chef Ludo Lefebvre offers a menu that is half-Parisian, half-Denver. Say yes to the Denver French Omelette with peppers, onions, Parisian ham and Gruyere cheese. Other dishes to At Maggy’s include snails, mussels and fries and an avocado croque monsieur. LoDo’s lobby-level restaurant also offers a French-leaning wine list and zero-proof cocktails. 1616 Market Street

Urban Farmer: $35

Bloody Marys are practically a meal for urban farmer. The brunch bar is stocked with more than two dozen accessories like candied bacon with brown sugar and chili flakes, fresh horseradish and pickled vegetables. But save room for the succulent duck hash at this steakhouse or, if you have a sweet tooth, the brioche French toast with chai cream cheese and strawberry jam. 1659 Wazee Street

Wynkoop Brewery: $28

What do you get when a brasserie offers brunch? Beermosas, for starters. But Wynkoop Brewery also puts a tasty stout glaze on her giant, fluffy cinnamon roll that’s topped with cream cheese frosting and makes her sausage sauce with a chili beer for her cookies and gravy dish. 1634 18th street.

Fox Run Coffee: $25

While the menu spins, you’ll find breakfast delights like lemon ricotta pancakes, apple pie French toast, toasted banana bread and sourdough BLTs at this small but bustling Colfax . Cold-brewed whiskey and fortified lemonades are also on the menu Fox Run Cafethe cocktail menu alongside typical brunch drinks. 3550 E. Colfax Ave.

Leven Deli Co.: $18

Next to the Denver Art Museum, Leven Deli Co. is a Jewish deli-meets-Mediterranean cafe with fresh breads, 12-day-old pastrami, and curried potato salads. Order an egg sandwich on a soft pastrami bun and take a seat in the leafy dining room or on the terrace. Leven’s all-day market also sells sourdough breads, whipped feta, charcuterie and more – perfect supplies for any afternoon picnics you might have in the cards . 123 W. 12th Ave.

Rise & Shine Cookies: $15

If your type of breakfast includes Southern cookies washed down with local beers, head to Kitchen Biscuit Rise & Shine. Fluffy breakfast sandwiches like the Asheville, served with havarti, turkey and honey mustard, are under $6 and this welcoming café offers eight local beers on tap and a concise coffee menu . 5126 W. 29th Ave., 76 S. Pennsylvania St.

The Best Over-the-Top Brunch Buffets in the Denver Area


For a moment, the brunch buffet looked grim. Would those colossal seafood towers ever return? Could prime rib cutting stations survive in a world where COVID-19 exists? Would we still have the pleasure of spoiling ourselves in an all-you-can-eat waffle bar? Fortunately, reports of brunch buffet death were overdone (or at least premature), and many overdone Front Range sideboards returned.

From the visual appeal of seeing row after row of smoothie shooters to the complete lack of wait time between when you want those four danishes and when you can eat those four danishes, there’s no denying the appeal of the brunch buffet.

Thanks to new safety measures, buffets could even be more hygienic than ever. Some restaurants, like Broadmoor’s Lake Terrace dining room, have installed protective guards and have staff handing out food to reduce the number of sprouted fingers touching those tongs.

Here, six places — from chic hotel brunches to more casual buffets — where you can answer the question of how many made-to-order omelets are too many made-to-order omelets.

Dishes at the brunch buffet at the Denver Hilton Inverness. Photo courtesy of Denver Hilton Inverness

Hilton Denver Inverness

With over 100 offerings, the Sunday Champagne Brunch on the Garden Terrace is an exercise in common sense. That doesn’t mean there are tough decisions to be made: how do you choose among all the cheeses? How many sushi rolls and oysters should you fill your plate with? Do you really need that seventh snow crab leg? One choice, however, should be easy: add bottomless mimosas and champagne for just $10. Sunday from 9 a.m. to 1 p.m.; $65 adults, $32 children; 200 Inverness Drive, Englewood


RiNo’s favorite Israeli breakfast buffet is back, with all-you-can-eat latkes, cheeses, roast lamb, Rosenberg bagels, smoked fish and more pastrami hash than you can shake a stick at. fork. Brunch cocktails go beyond the basics with drinks like the Shadow of Equinox, a blend of cardamom, urfa, mezcal, and grapefruit. Saturdays and Sundays from 11 a.m. to 2.30 p.m.; $45; 3330 Brighton Blvd., #201

The breakfast buffet at Safta. Photo courtesy of Safta

Yaya’s European bistro

Options change weekly at this Greenwood Village eatery, but highlights include an omelet station, heaps of shrimp cocktails, made-to-order benedicts, pastas, and desserts. Add as many bloodys and mimosas as you want, before congratulating yourself on making good life choices. Do not go over your 90 minute time limit. Sunday from 10 a.m. to 2 p.m.; $40; 8310 Belleview Ave East, Greenwood Village

ViewCentennial House

Enjoy brunch with a view in the southern suburbs with ViewHouse’s seafood mounds, fresh cookies, meat carving stations, bacon strips and desserts. Grab a group to share the $60 mimosa tower, with your choice of OJ, blood orange, or strawberry juice. Sunday from 10 a.m. to 2 p.m.; $34.95 adults, $12.95 children; 7101 S. Clinton Street, Centennial

The Broadmoor

The ancestor of the hotel’s brunch buffets can be found at the Broadmoor’s Lake Terrace Dining Room. There, you can indulge in a variety of pastries, seafood, meats, cheeses, eggs all over the place, and gorgeous desserts. There may even be decorative ice sculptures. For now, the iconic brunch is only open to hotel guests and club members, but the general public is sometimes allowed in on special occasions such as Thanksgiving, Christmas, and Mother’s Day. Sunday from 9 a.m. to 1:30 p.m.; $85 for adults and club members, $35 for children; 1 Lake Avenue, Colorado Springs

Seasonal Buffet

Casinos and buffets go hand in hand, so if you go up to the Black Hawk to gamble, you almost have to make a detour to one of the brunch buffets. Our favorite: The Lodge Casino, which takes place daily and includes a standard breakfast, made-to-order waffles, and what most people are there for: king crab legs. Daily from 10 a.m.; $19 Monday-Friday and $22 Saturday-Sunday; 240 Main Street, Black Hawk

Claim Online Payday Loans for Unemployed at Filld.com – CryptoMode


If you are unemployed, you will struggle to cover your expenses. At some point, you may decide to borrow money from a direct lender. Will it be easy to do? It depends on many factors.

Getting payday loans for unemployed can be a reasonable solution to your financial problems. But this can come with high interest rates and service charges. If you are ready for these, you are free to apply now!

Get a payday loan if you’re unemployed

If you decide to claim Online payday loan for the unemployed, you may be asked to complete an affordability assessment. This should be done to demonstrate your financial ability to pay the money pack on time.

Loan products with the most attractive terms and conditions are traditionally reserved for those with a good credit record. Those with bad credit will need to prove their creditworthiness.

As long as you are unemployed, you must have another source of income. Do you have a long term deposit in a US bank or government assistance? Do you receive interest from commercial investments? Do you want to secure your loan with a guarantee? You can choose any option that suits you.

If you receive government assistance, you are also considered eligible for a loan. This may be:

  • Wage payments by an employer
  • Self-employment income
  • Unemployment benefits
  • pensions

Benefits offered by payday loans for unemployed

Payday loans for the unemployed carry certain risks. But they also offer many advantages, especially for borrowers who need money in the here and now. Here are a few:

Quick approval

After applying for a loan, you won’t have to wait for the result. It will appear almost instantly on the screen. If additional information is required, you will be notified. Then it may take a little longer.

Less or no paperwork

Compared to traditional bank loans, payday loans from https://filld.com/255-payday-loans/ direct lenders can be processed online. You don’t have to worry about paperwork. Some documents must be attached to the loan application form.

Less requirements

Payday loans for the unemployed have certain conditions to be met. But they are not many. Even if your credit history isn’t perfect, it won’t take long to apply for a loan. A few personal and contact details are all you need to apply for money from a direct lender.


Payday lenders can lend up to $5,000 https://www.justrightloans.com/ . Sometimes this amount may vary from one lender to another. The amount of your unemployment benefits or any other source of income that you are going to provide also affects the loan amount approved by the lender.

Improve credit score

Payday loans are difficult to obtain for bad credit holders. But if you get one and pay it off on time, you have a chance to improve your credit score. You won’t make it good like that. You will take it back a bit. Seeing a positive trend, direct lenders will be more eager to approve your loan the next time you need it.

Why a Payday Loan Might Be Denied

Whether your credit score is good or bad, your loan application can always be refused. Having a strong workplace with a steady income also doesn’t give you a 100% approval guarantee. The good thing is that online lenders usually explain their negative decision.

A bad credit report

Being employed or unemployed gives you no guarantees. Even if you now have a good source of income but your credit score is extremely low, you may hear “No” from a lender.

Multiple credit applications

Applying for multiple loans from different lenders will do you no good. All this information is reflected in the common network of lenders. Seeing your desperate attempts to get money always turns out to be a red flag for private lenders.

Can the payday loan be benefit-based?

If you are on salary, you can apply for a traditional payday loan. If you do not receive a salary, you apply for a payday loan for the unemployed. The latter becomes possible if you start collecting unemployment benefits. Depending on the amount of the loan, you may need to obtain government assistance of a certain amount. It depends on each particular lender.

Just make sure you find a reliable online lender with reasonable terms and conditions. Once you make the right choice, you will get a solid loan offer.

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3 talking points as Dundee verge on relegation but St Mirren secure Premiership status


St Mirren secured Scottish Premiership status with a 2-0 win that puts Dundee on the brink of relegation.

Alex Greive and Curtis Main scored the most important goals as Mark McGhee’s side suffered another defeat and were only spared by Livingston who picked up a final point against St Johnstone.

But Perth’s men only need one more point to send the Dee to second place.

The Saints, who received a double whammy this week with the news that loan pair Connor Ronan and Jordan Jones have returned to their respective clubs after injuries, came into the game following that crucial win over St Johnstone on Last weekend.

The first goal took just four minutes to arrive for the hosts and it arrived in a rather bizarre fashion.

Dundee skipper Charlie Adam played a chipped ball into his own box and Greive was only too happy to accept the gift to put the Buddies ahead.

Paisley’s side were dominant in the first half, Main forcing a superb save from Harry Sharp.

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Greg Kiltie would also be close to adding to his Perth winner before Conor McCarthy nodded from a corner.

McGhee’s team closest to a goal in the first half was Adam’s free kick and ensuing rebound, both of which were blocked by the wall.

But it was the visitors who started in the second half, with Jak Alnwick forced into a brilliant save from Ryan Sweeney.

They should have scored from one of the resulting corners but the ball ended up in Alnwick’s grateful arms after a pinball spell.

The Saints then extended their lead when Main hit the top corner, leaving Sharp without a chance after 57 minutes.

This knocked Dundee down and went close to the trap as St Johnstone drew with Livingston.

3 talking points

Dundee all but down

Arriving today Dundee knew that if they lost and St Johnstone beat Livingston they would be relegated to the Scottish Championship.

Their own loss did nothing for their fate which has been all but sealed for a few weeks and was again saved by a late equalizer from Livi, but McGhee is still yet to win a league game since replacing James McPake.

It would now take an incredible turnaround for the Dens Park side to avoid the fall.

saints safe

St Mirren will be playing Scottish Premiership football next season after a win knocked them out of St Johnstone, who are now bound for the play-offs.

Greive and Main scored the goals and after successive wins over the bottom two and Robinson can now build for next season in the top flight.

Friends bring it all together

St Mirren are usually good at either keeping clean sheets or scoring, although at times this season they couldn’t do either.

But with clean sheets and three goals in the last two games, there is now more cause for optimism after a rocky start to life after Jim Goodwin.

Are things starting to look up for Stephen Robinson? Only time will tell.

Concern over increased car travel if new Lidl supermarket gets green light in Inverness

The Lidl supermarket has encountered opposition.

A PROPOSED new supermarket at Inshes in Inverness could undermine efforts to cut car journeys and reduce carbon emissions in the city, council officials say.

Lidl wants to develop a grocery store and up to 38 homes on a greenfield site in Sir Walter Scott Drive – near Inshes roundabout – but supermarket giant Asda has opposed it citing a variety of reasons including the impact on retail.

Highland Council planning officials also say this is contrary to the proposed local development plan for Inner Moray Firth.

They also argue that it will attract car journeys from existing and proposed residential areas east of the A9 and from southern areas of Inverness.

Their comments are contained in a response to the cumulative retail impact assessment recently submitted by Lidl which argues that the proposed store – as well as the proposed floor space as part of the Stratton development in the east of Inverness – will not adversely affect the town center or other nearby shopping parks and local centres.

Officers agree that it is very unlikely to have a negative effect on the overall vitality and viability of the protected centers listed in the local development plan.

But they note that the site boundary is much larger than the grocery store footprint, the proposed second phase of housing is indicative, and the proposed road alignment would allow easy comparison of retail units at a later date. instead of housing.

Officers also cite the Scottish Government’s targets to reduce car miles traveled in Scotland by 20% by 2030.

“This application to this location will do nothing to help achieve this goal – indeed, it is very likely to undermine progress towards it,” the officers say.

“In contrast, another location, ideally in the center of the eastern wards of Inverness, would, all things being equal, be very likely to help achieve this goal.”

They say that given the Aldi store in Inshes, there is no local lack of convenient discounted floor space in Drakies/Inshes.

“In short, a Lidl on this site would not offer anything more in terms of price, quality, range and service to avoid longer journeys by unsustainable modes of travel”, they continue.

“Indeed, it will do the opposite. It will attract car journeys from existing and proposed residential areas to the east of the A9 (and southern areas of Inverness).

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Logan Chalmers can emulate Ross Graham at United


RAB DOUGLAS: Logan Chalmers can emulate Ross Graham at United

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Thousands turn out for a day of family fun as Hamilton Racecourse kicks off first event of new season


Thousands of Lanarkshire families had a blast on Sunday as Hamilton Park Racecourse saddled up for its first day of racing in 2022.

The venue has partnered with a local charity, Les Hoey MBE DreamMaker Foundation, for a day of fun activities for kids and big kids.

This included free entertainment from Denver’s Den Fun House, Pirate Assault Course, Surfing Simulator, Nintendo Switch Battles plus some favorites like segways, bungee trampolines, laser tag and more.

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Hamilton Park welcomed its new partner, Strathclyde Sirens – Scotland’s only professional netball team, which appeared at the Paddock Lawn, giving everyone the chance to meet the team and try their luck in the shooting circle.

The action-packed day also featured seven thrilling races with over £100,000 in prize money. Highlights included the £35,000 Tangerine Trees Conditions Stakes, which were shown live on ITV and STV Racing, followed by the £30,000 Buttonhook Handicap Stakes.

The Hamilton site thanked punters for their attendance, posting on social media: “What a great day it was yesterday for our opener – The Les Hoey MBE DreamMaker Foundation Family Raceday.

“Thank you to everyone who joined us and made this a fantastic day an exciting race and family fun. It looks like you all certainly enjoyed your day.”

The Les Hoey MBE DreamMaker Foundation posted after the event: “What a fantastic day we had at Hamilton Park Racecourse for our family race day.

“The DreamMaker team had a great day and even had a few winners.

“Thank you to everyone who came, we hope you all had a fantastic time and enjoyed your day.”

Hamilton Park Racecourse also said it has created an incredible entertainment program throughout the season with special celebrities, who they believe will “wow our racing fans”.

A spokeswoman said ahead of the event: “Providing the best racing experience, whether on or off the track, remains at the heart of everything we do, and we very much look forward to welcoming everyone to Hamilton. Park this summer.”

The racetrack now turns to this weekend’s event on Sunday May 8, which is the Sky Bet Sunday Series.

They say it will be their richest day of racing ever with a record prize money of £200,000.

The day’s entertainment includes music from Massaoke with guest punters coming in for a day of fun.

Tickets will be available the same day at the door, but you can save £5.50 per adult ticket by booking online before Saturday 7 May.

For more information, click here.

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Regulate “Buy Now Pay Later” as is the case for consumer loans: mortgage


India needs to regulate “buy now, pay later” products like it does consumer loans, said Mel Gerard Carvill, non-executive director of Home Credit NV.

There is also a need for common regulation of all consumer credit providers so that everyone is regulated on an equal footing, Carvill said. Activity area here in an interview.

Carvill, who is a member of the board of directors of this non-banking international financial institution headquartered in the Netherlands, pointed out that many fintechs are still unregulated and that they must be regulated in order for trust to remain in the financial system.

Short-term financing

BNPL, which has seen explosive growth in India in recent years, is like short-term finance that allows consumers to make purchases and pay for them in the future, often without interest. It has become a popular payment option, especially in online shopping. It is also commonly referred to as a point-of-sale installment loan.

Carvill, who is visiting India, pointed out that many parts of the world are now subjecting BNPL to regulation because consumers need to be protected.

“The thing with BNPL is that no interest is charged to the client. There is interest but paid by the retailer. It is not regulated because there is no interest for the consumer. Usually, in most countries, lending is regulated when there are interest charges, but not when there are no interest charges to the consumer. The problem is that there has been an explosive growth of the BNPL and the people taking it are young people. You have repayment obligations. It needs to be regulated the same way lending is regulated,” he added.

To support his point on BNPL, Carvill cited the Woolard review commissioned by the board of the UK’s Financial Conduct Authority (FCA) of the unsecured credit market and pointed out that this review argued in favor urgent regulation of all BNPL products. While the emergence of unregulated BNPL products has provided a significant alternative to payday loans and other forms of credit, BNPL also represents significant potential harm to consumers, according to the Woolard study.

Global Topics in Consumer Credit

Highlighting key global consumer credit themes, he said technology and regulation are the main ones.

“The growth of technology is the major theme and it has transformed the business. It has also transformed the business offering and brought in new operators. Traditionally, consumer credit has been provided by banks and non-banks, but we are now seeing an explosion in the growth of BNPL, payday lenders and fintechs.All of this has created a response from the authorities which is a global mega theme – regulation. Consumer finance have long been regulated both in terms of prudential soundness and their behavior in the market (how they treat customers). However, many fintechs remain unregulated. Countries around the world are slowly seeking to regulate them. “, he added.

The majority of BNPL startups operating in the Indian market have seen growth over the past year. BNPL platforms are also raising funds to expand in the growing market.

India’s very exciting market

Home Credit, which entered India in 2012, sees the country as a “very exciting market” and has “ambitious aspirations” for it in the coming years, Carvill said.

“Everyone has the rise of India on their list. It is a very exciting market and it will be very difficult as a multinational not to enter the Indian market. Everyone is optimistic about India’s future and you have to be here if you want to succeed as a multinational. We have ambitious aspirations despite difficult years due to Covid-19. We have consolidated and transformed into a technology-driven player in India,” he said.

Home Credit India’s digital channel, which accounted for just 2% of its overall business in 2018, has now grown to 35%. In India, this consumer credit provider has 2 million monthly active users on its application.

Published on

May 03, 2022

Norwich City loan star Reece McAlear has achieved his goals at Inverness Caledonian Thistle


Reece McAlear says he found his goalscoring touch while on loan at Inverness Caledonian Thistle.

Reece McAlear won three of ICT’s year-end awards. Photo: Ken MacPherson

The midfielder was the big winner of the club’s end-of-season awards as he picked up three gongs.

He was named Young Player of the Year by players and fans, as well as the Goal of the Season award for his goal against Dunfermline in March.

Shane Sutherland won Players’ Player of the Year and David Carson won Fans’ Player of the Year.

McAlear, on loan from Norwich City, was delighted with his awards hat-trick and also contributing in front of goal.

“It’s not just an individual award for me – everyone played a role and helped me get the awards,” he said.

“The fans vote on what they see on the pitch, while the players see you off the pitch as well. I’m grateful to both of you. I just hope the fans continue to support us throughout the season.

“I would like to say that this loan period
helped me add goals to my game, decent goals. I just have to keep doing what I’m doing and improving, scoring and assisting and hopefully keep helping the team.

McAlear has one more goal to accomplish with ICT this season: promotion to the Premiership.

After finishing third, Inverness have to go through the play-offs, starting with Partick Thistle tonight, and McAlear is optimistic about Caley Thistle’s chances.

“It’s about unity – everyone has to be ready to step up and make an impact,” he added.

“It’s a new start for everyone after a difficult period from Christmas to March. It’s in the past, we can’t change it. We are in a good position at the moment, maybe to get into the Premiership, but we have to go game by game.

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Cheshire House care home in Inverness rated ‘very good’ after Care Inspectorate visit

Cheshire House with its custom built facilities enjoys a beautiful riverside setting.

A disabled care home in Inverness has been given a ‘very good’ rating after a visit from the Care Inspectorate.

Cheshire House at Ness Walk is run by the national Leonard Cheshire Disability charity.

The service is registered for a maximum of 16 clients with physical and sensory disabilities and/or learning disabilities.

Other services include day care support and integrated housing support and home care.

Cheshire House is specially designed accommodation for people with disabilities, with accommodation in self-catering apartments.

The inspector spoke to four clients and two family members, as well as staff and management, and observed the practice and daily life.

They found that clients were fully involved and in control of their care and support, and that staff fostered their independence.

Comprehensive healthcare systems were in place to ensure clients received the right care at the right time.

However, clearer information needed to be sent to clients and their relatives regarding visitation rights when the care home was closed due to infection.

Leaders were found to be very knowledgeable about areas of service that needed improvement.

Cheshire House was rated on a six-point scale where one is unsatisfactory and six is ​​excellent. Support for client well-being and leadership both received high fives, or “very good”, as did concern for protecting people from infection.

The inspector said: “Staff have understood the importance of helping customers achieve their wishes, dreams and aspirations. We saw great examples of customers being supported to attend music concerts, vacations and one customer had purchased a very special vintage car. “

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Boris Becker’s daughter ‘in shock’ over prison sentence


Boris Becker’s daughter has said she is ‘shocked’ by her father’s prison sentence and fears it will be hard on her young son.

Anna Ermakova said she wrote to the judge who jailed her tennis champion father for two and a half years for bankruptcy fraud, asking for clemency for the sake of her 12-year-old son Amadeus.

Ms Ermakova, who was conceived during Becker’s infamous sexual encounter with waitress Angela Ermakova at London restaurant Nobu in 1999, told German newspaper Bild: ‘I wrote a letter to the court to express my concern for my younger half-brother, Amadeus.

“After all, he is only 12 years old and will now have to do without a father figure, who he will miss during a difficult phase of his development.

“It’s not fair on him. It’s going to be tough on Amadeus.

Three-time Wimbledon champion Boris Becker arrives at Southwark Crown Court with his partner, Lilian de Carvalho Monteiro, before sentencing (Victoria Jones/PA)

Judge Deborah Taylor, sitting at Southwark Crown Court on Friday, sentenced the six-time Grand Slam champion to 30 months, half of which he will serve, for hiding £2.5million in assets and loans for avoid paying debts.

The 54-year-old three-time Wimbledon champion and former world No. his property in Mallorca, Spain.

BBC commentator Becker transferred nearly 427,000 euros (about £390,000) from his business account to others, including those of his ex-wife Barbara Feltus and ex-wife Sharlely ‘Lilly’ Becker.

The father-of-four also failed to declare his share in a £1million property in his home town of Leimen, Germany, hid an 825,000 euro (nearly £700,000) bank loan – worth £1.1m with interest – and stashed 75,000 shares in a tech company, valued at £66,000.

Boris Becker playing at Wimbledon in 1999 (Neil Munns/PA)
Boris Becker playing at Wimbledon in 1999 (Neil Munns/PA)

Becker, who received a two-year suspended prison sentence for tax evasion and attempted tax evasion worth 1.7 million euros (about £1.4 million) in Germany in 2002, has was convicted last month of four offenses under the insolvency law between June 21 and October. 3 2017.

Ms Ermakova also told Bild: “I will support him and visit him whenever I can.

“Hopefully that helps her through time a bit.”

Becker has two sons, Noah, 27, and Elias, 22, with his first wife Ms Feltus, as well as Amadeus with his second wife, Dutch model Lilly Kerssenberg.

Applecross Community Company’s plans to turn the Church of Scotland building into a community resource were unanimously approved at the AGM

Applecross Community Council is planning to convert the Church of Scotland church building in Camusterrach into a community centre.

MEMBERS of a rural community in Wester Ross have unanimously given the green light to an initiative to turn a church into a community centre.

The latest Applecross Community Company (ACC) Annual General Meeting, held Monday, April 25 in person and online, saw members vote in favor of a special resolution regarding the acquisition of the church owned by the ‘Church of Scotland at Camusterrach.

The plan is to purchase the building and convert it into a multi-use community center, as well as create two apartments for affordable housing in the community.

ACC Local Development Manager Megan MacInnes said the move would be a great opportunity for local businesses and the community.

“This is great news for us. The feasibility study we carried out in early 2022 showed very positive results in terms of community benefits.

Options highlighted in the feasibility study, which was funded by the Scottish Land Fund after a successful application, involve converting the building into a community center with community storage and workshop space, shared offices and office space as well as premises for a base for the ACC and the Applenet network.

Ms MacInness said: “At the moment our community, like many other rural communities, is struggling with the availability of infrastructure or equipment. There are a lot of people working from home now and we don’t have access to offices, there is limited access in workshops or industrial spaces, so there are a lot of people who produce things at home or use the limited access they have in their own hangars, but c is a real need.”

She added: “We’re also looking at developing a library of things, which is like a library but instead of books, you borrow tools or materials that community members could use.

“Because so many people have crofts but we’re quite a distance from Inverness where you can find places to hire gear, it would be very beneficial to have that. It’s of course more sustainable than everyone buying their own material.

“We also have the option of converting part of the building into one-bedroom apartments. The three things that guided the community vision for this project were that what we did with the building was in line with our strategic plan and that it Didn’t overlap with other places in the village (like the community hall) and that it was going to be financially viable. Having an apartment to rent would allow us to make it viable.

“This building has been used by the congregation for many years and there is a strong feeling that people want to keep it in community ownership rather than having it out in the open, in which case it would probably be converted into vacation or second rental It is important to the community that the building continues to be an asset to the community.

Ms MacInness said the next steps would be to secure funding from the Scottish Land Fund, which the ACC aims to apply for in May, and to finalize the negotiation process with the Church of Scotland.

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Fake drama of Kim Avis death in US prompted son to steal vodka

Sheriff Eilidh Macdonald.

The teenage son of a man who faked his own death to escape prosecution for sex crimes stole a bottle of vodka at the height of the drama.

Aaron Avis is the 18-year-old child of Kim Avis, a well-known fundraiser and trader from Inverness who fled to the United States in 2019.

He fled before the start of his trial for rape and ex-assault.

The 57-year-old staged his death by apparent drowning in Monastery Bay near Carmel, California, but US Marshalls did not believe he was dead.

He was eventually arrested in Colorado in 2021, brought back to the UK and imprisoned for a total of 15 years.

Her son Aaron, who previously lived in Mackay Road, Inverness but has now moved into university accommodation in Perth, failed to appear at Inverness Sheriff Court.

However, defense barrister Marc Dickson pleaded guilty on his behalf to stealing a £20 bottle of vodka from Tesco Dores on June 21, 2020.

There was no recovery, Tax Deputy Victoria Silver told Sheriff Eilidh Macdonald.

Mr Dickson said the sheriff would probably know the name and Kim Avis was from a wealthy family.

He said of Aaron: “He behaved foolishly when temptation came his way.

“He was going through a tough family time and was only 16 when it happened. He wasn’t keeping the best company. He’s managed to stay out of trouble ever since.”

Sheriff Macdonald postponed Avis’ sentence for his good behavior until October 27.

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Boris Becker wears Wimbledon-coloured tie for his bankruptcy conviction


Three-time Wimbledon champion Boris Becker arrived at court wearing a tie in the colors of the tennis tournament as he faces a conviction for hiding £2.5million in assets and loans to avoid paying their debts.

The 54-year-old former world No. Spain.

BBC commentator Becker transferred nearly 427,000 euros (around £390,000) from his business account to others, including those of his ex-wife Barbara Becker and ex-wife Sharlely ‘Lilly’ Becker.

The father-of-four also failed to declare his share in a £1million property in his home town of Leimen, Germany, hid an 825,000 euro (nearly £700,000) bank loan – worth £1.1million with interest – and stashed 75,000 shares in a tech company, valued at £66,000.

Boris Becker arrived for the sentencing hearing with his partner Lilian de Carvalho Monteiro (Kirsty O’Connor/PA)

Becker, who received a two-year suspended prison sentence for tax evasion and attempted tax evasion worth 1.7 million euros (about £1.4 million) in Germany in 2002, has was convicted of four offenses under the insolvency law between June 21 and October 3, 2017 earlier this month.

Each count carries a maximum sentence of seven years in prison and Judge Deborah Taylor will sentence the six-time Grand Slam champion at Southwark Crown Court on Friday afternoon.

Becker, dressed in a striped tie in the Wimbledon colors of purple and green, arrived at court holding the hand of his partner Lilian de Carvalho Monteiro, while his eldest son Noah carried a large Puma bag.

The tennis star told jurors his career earnings of US$50m (about £38m) had been eaten up by a costly divorce from his first wife Barbara, child support and “living commitments”. expensive lifestyle.

The German national, who has lived in the UK since 2012, said he was “shocked” and “embarrassed” when he was declared bankrupt.

He claimed to have cooperated with administrators responsible for securing his assets, even offering his wedding ring, and to have relied on the advisers who managed his life.

However, Becker was found guilty of four counts, including removal of property, two counts of non-disclosure of estate and concealment of debts.

Becker's lawyer says the tennis legend didn't spend the money on a
Becker’s lawyer says the tennis legend didn’t spend money on a ‘lavish lifestyle’ (Kirsty O’Connor/PA)

Prosecutor Rebecca Chalkley said on Friday the jury found he acted “deliberately and dishonestly”, but added: “Even now, Mr. Becker still seeks to blame others when it was clearly his duty.”

The court heard he received €1.13m (about £950,000) from the sale of a Mercedes car dealership he owned in Germany into a business account used as his ‘piggy bank’ for his expenses personal.

They included £7,600 of the children’s school fees, nearly £1,000 at Harrods and payments made to Ralph Lauren, Porsche, Ocado and a Chelsea children’s club.

He also paid 48,000 euros (about £40,000) for ankle surgery at a private clinic and spent 6,000 euros (about £5,000) at a luxury golf resort in China, the court heard.

Becker was acquitted of 20 counts, including nine counts of not presenting trophies and medals from his tennis career.

He said he didn’t know where the memories were, including the 1985 Wimbledon title that shot him to stardom at the age of 17.

Becker was also cleared of failing to declare a second German ownership, as well as his interest in the £2.5million Chelsea flat occupied by his daughter Anna Ermakova, which was conceived during the infamous encounter Becker’s sex with waitress Angela Ermakova at London restaurant Nobu in 1999.

Jonathan Laidlaw QC, defending, said Becker did not spend money on a “lavish lifestyle”, but used funds to pay child support, lawyers, business expenses and rent.

He added: ‘He was in desperate financial straits and what he essentially did was exercise his own choice as to which creditors to pay, choosing or preferring to pay money to dependents rather than to allow joint trustees to determine how these funds should be. applied.”

Impact of COVID-19 on Online Payday Loans Market Share, Size, Trends and Growth from 2022 to 2031 – themobility.club


A recent report on the world Online payday loans market published by Market Reports provides a comprehensive overview and assessment of opportunities at the moment. The study provides an in-depth examination of key market trends. To forecast the growth of Online Payday Loans with the utmost accuracy, analysts consider both historical and current growth parameters.

The kOnline Payday Loans Business Intelligence Report estimates market size in terms of value (Mn/Bn USD) and volume (Mn/Bn USD) (x units). The research analysis has been geographically divided into critical regions that are growing faster than the global market to understand the development prospects of Online Payday Loans. Every section of online payday loans has been carefully considered in terms of price, delivery, and market potential.

For the forecast period, the study includes a review of the year-on-year growth pattern along with current and potential market volume forecasts (units). The study assesses the effect of the novel COVID-19 pandemic on online payday loans, as well as relevant insights into how industry players are responding to the new situation.

Access a sample report – marketreports.info/sample/22704/Online-Payday-Loans

The Online Payday Loans analysis rates each market leader based on market share, manufacturing presence, new releases, partnerships, existing R&D projects, and company strategies. In addition, the keyword research examines the SWOT report (strengths, gaps, opportunities and threats).

Major key players included in Online Payday Loans Markets are: Wonga, Cash America International, DFC Global Corp, Instant Cash Loans, Wage Day Advance, MEM Consumer Finance, 2345 Network, …

By TypeInstallationSingle-PhaseBy ApplicationPersonalLarge BusinessSMB

What are the main takeaways from the online payday loans study for readers?

• Study any Online payday loans the player’s existing business models, including product launches, expansions, alliances and acquisitions.

• Recognize key drivers, constraints, opportunities and patterns (DROT analysis).

• Key factors such as carbon footprint, R&D progress, prototype inventions and globalization.

• Examine and research the growth of the global Online Payday Loans landscape, including sales, supply, and usage, as well as historical and forecast data.

Check Instant Discount- marketreports.info/discount/22704/Online-Payday-Loans

The online payday loans report answers the following questions:

  • Which players have a significant share of online payday loans, and why?
  • Why do you think global online payday loans would be region-led?
  • What are the variables that negatively impact the growth of online payday loans?
  • How do online payday loan players develop plans to gain a strategic advantage?
  • What Would Global Online Payday Loans Be Worth?

Regional outlook:

Regionally, the global online payday loans market is segmented into North America, Europe, Asia-Pacific, Latin America, and Middle East & Africa. In addition, market data classification and region to country analysis are covered in the market research report. Additionally, regions are separated into country and region groups:

– North America (USA and Canada)

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

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

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

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

Buy the full report @ marketreports.info/checkout?buynow=22704/Online-Payday-Loans

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

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

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Big steps for Ryvoan both racing at Glenmore

John walks past Ryvoan.

Ryvoan bothy is a special little place, nestled along the track between Glenmore and Nethy Bridge and under the steep path to Meall a’ Bhuachaille.

My older brother Iain and I seem to be drawn to this every time we meet in this great part of the Cairngorms. Iain lives in Cheshire but is still trying to find reasons to return to Scotland – as if the mountains alone aren’t enough!

A Sunday morning run took us up to Bothy on this cold but glorious occasion as the spring sun lit up a fresh layer of snow on the surrounding hills.

Outside of the two, two guys emerged from a tent. They had come from the directions of the Avon Fords by the Lairig an Laoigh and found both full when they arrived – the occupants having already had a few drinks when they arrived in the early evening.

That’s Ryvoan’s real problem as a twoy – it’s just too easily accessible. These shelters are important for people traveling through hills and glens, but too often they are simply used as a meeting point for a party.

Whether that was what happened there last night, we weren’t sure, but there was no movement inside despite the day which seemed to provide lovely conditions for enjoying the outdoors .

Ryvoan went to see the campers' tent beyond.
Ryvoan went to see the campers’ tent beyond.

We chatted with the guys about halfway through our run. We started at the visitor center, following the path to the reindeer center, then turning left on the road following the blue markers.

These take you behind some houses with some of the most spectacular views imaginable, keeping to the right at a junction to join a track.

The climbing continues for some distance here, with views of the snowy plateau at a break in the trees giving us a good excuse to pause for breath. It’s a bit of a relentless early run, but it eventually levels out for a spell along a clearing.

Then the track ends and a narrower path leads downhill giving a whole different feel to the race. There are roots and rocks to leap over, not to mention tree trunks to twist and turn around as the descent drops you steeply over one shoulder to reach the main path opposite An Lochain Uaine – or the Green Lochan as the anglicized signs say here.

Iain at An Lochan Uaine.
Iain at An Lochan Uaine.

We head for the water’s edge, where the lochan lives up to its name in the early morning silence. Only a few ducks swimming towards us broke the perfect calm of the surface.

Back on the main path, we continued on the rougher track to both, patches of ice here and there indicative of another chilly night in the hills.

When we reached Ryvoan the sky was a glorious blue, with the pure white of fresh snow on the hilltops and the sun shining beautifully on the gable wall of the bothy. These traditional stone shelters seem to fit perfectly into this landscape, even to enhance it; a gentle touch of humanity in an otherwise nature-filled setting.

Our reluctant return journey began by retracing our steps to the lochan, where we continued on the main path that eventually leads to Glenmore Lodge. However, in search of a little more time in this enchanting location, we swerved left at the first major trail junction, now taking the purple road to the Allt Mor car park.

This crosses the Allt na Ciste on a footbridge en route to the Allt Mor crossing, through more beautiful pine forests at the foot of the Cairngorms.

Iain crosses the forest after crossing the Allt na Ciste.
Iain crosses the forest after crossing the Allt na Ciste.

Leaving the car park, continue straight ahead then take a path that goes to the left. This takes you straight across the track giving access to the car park and winds through the forest away from the ski slope. We kept an eye out for the Hayfield across the road and crossed over to take the track to the left of the field.

Marked as the white route, this climbs slightly before a fork comes out to the right, marked by another white sign post. A little further the white road splits and we took the right turn to reach a bridge over the burn which flows into Loch Morlich.

After that we headed right before forking left through the campground to the trailhead.

Iain runs along the high road towards Ryvoan on the blue road.
Iain runs along the high road towards Ryvoan on the blue road.

Route details

Ryvoan Loop

Distance 6.5 miles / 10 km

Ground Forest tracks, steep paths with roots and rocks in places

Beginning end Glenmore Visitor Center

Menu OS Landranger 36; OL57 Operating System Explorer

A great circuit from Cairngorms to Ryvoan both and back via the Allt Mor

Both Iain and John at Ryvoan.
Both Iain and John at Ryvoan.

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Traffic light installations/modifications


Project description
New traffic signal construction projects begun in 2021 will be completed in 2022. In addition, a temporary span wire signal project identified for 2021 has been phased out with plans for a full mast arm signalized intersection tentatively identified for construction in 2023 (County Line Rd & Clarkson St). Flashing Yellow Arrow (FYA) implementations continue to be deployed as conditions warrant.

Projects planned for 2022 include:

Modified Intersection Improvements:

  • Peoria St & Liberty Blvd (Developer) – Intersection modifications underway with expected completion in Spring 2022.
  • Peoria St & Belford Ave (Developer) – Construction in progress – a temporary traffic light was placed in late summer 2021 with completion expected in spring 2022.
  • Broadway & Plaza Dr (rebuild) – Reconstruction of existing signalized intersection to include concrete rehabilitation with an expected start date of summer 2022.
  • Meridian Blvd & Havana St (rebuild) – Reconstruction of the existing signalized intersection, including new alignment and concrete rehabilitation with an expected start date of summer 2022.
  • Meridian Blvd & Maroon Cir (rebuild) – Reconstruction of the existing signalized intersection, including concrete rehabilitation with an expected start date of summer 2022.

New traffic lights:

  • Jamaica St & Inverness Pkwy – (Developer) Construction underway with activation expected in Spring 2022.
  • US 85 & Daniels Park Rd (CDOT signal) – Temporary span wire in design. Construction is expected to begin in the summer of 2022.
  • County Line Rd & S. Clarkson St. – Eliminated temporary span wire design. The construction of the traffic lights is scheduled for 2023.
  • Fairview Pkwy & Grace Blvd – Traffic Light Design. Construction is expected to begin in fall 2022.

Traffic lights completed:

  • Improvements at the intersection of County Line Road and Quebec Street
  • Waterton Rd & Rampart Rd (Developer)

Project managers:

Zeke Lynch, Danny Montoya and Ben Pierce

Teen with a Dream – MSU Denver RED


It’s like someone pressing Anna Jane Watson’s fast forward button.

The 17-year-old from Littleton will slow down long enough to cross the finish line in May and graduate from her high school, Colorado Early College Inverness and Metropolitan State University of Denver, making her one of the youngest graduates in the University.

“I feel like the hard work I’ve put in over the past few years has paid off, and I’m extremely relieved to have finished,” said Watson, who will earn a bachelor’s degree in applied math and a minor in computer science. Science from MSU Denver. “I would say what I enjoyed the most was going to MSU Denver and feeling like a real student. Once it all came back in person, I just enjoyed hanging out, making a ton of friends and studying and playing volleyball with them.

Watson admits she has always been an overachiever.

“I’ve always been very driven,” she said. “It was a little problematic at times. Like in college, if I didn’t get 100% on an assignment, I would have a complete nervous breakdown. I always needed to push myself.”

She said her typical day often starts around 6 a.m. to start juggling classes, studying, socializing and running a part-time tutoring business. Bedtime is from 9 p.m. to 2 a.m. Watson’s time management tools include lists and detailed schedules.

“Whenever I got super overwhelmed,” she said, “I just wrote down everything I needed to do. It was more for my sanity, but it was really helpful.

Anna Watson, the youngest graduate for Spring 2022, is an outside hitter for MSU Denver’s Women’s Volleyball Club. Photo by Alyson McClaran

The plan to graduate early began due to injuries. Watson started doing gymnastics very early in his life. “I did gymnastics for about 11 years,” she said. “My whole childhood was like, ‘I’m going to the Olympics.’ That was my goal.”

But just before high school, she broke the tendons in her right foot and broke her fibula, the thinnest bone in her lower leg. “So I couldn’t compete anymore,” she said. “And that was when I was like, I have so much free time now, I have to do something.”

She remembered reading an article about a girl who had graduated from high school at 20, so Watson started studying options. “I asked my mom if she thought it was something I could do,” she said.

A few weeks later, after a few tests at age 13, she was given the green light to start taking full-time math and English classes at Arapahoe Community College near her home.

Then last spring, at age 16, she was able to transfer her college credits to MSU Denver and take advantage of University’s College Credit in High School program, which has served more than 5,100 high school students since its launch in 2014.

RELATED: High School Students Facing College Obstacles Find ‘Pathway to Possible’

Jessica Buckmaster, manager of the College Credit in High School program, said Watson deserves credit for improving CCHS and benefiting high school students who take classes at MSU Denver in the future.

Buckmaster said that for Watson to apply for the degree, she had to declare a major and a minor. But CCHS required students not to seek a degree, which meant they couldn’t declare majors.

“This prevented Anna and students like her from using their Degree Progress Report, an online tool that tracks a student’s progress and requirements,” Buckmaster said. “Anna asked the question ‘why?’ and this prompted CCHS to work with the Office of Admissions and the Office of the Registrar to change the policy that high school students were not to seek a degree.

Buckmaster called Watson “an incredible student” who embodies MSU Denver’s slogan “Reimagine Possible.”

“Some might think it’s impossible for a high school student to finish a bachelor’s degree at 17, but Anna made the impossible possible,” Buckmaster said. “I know her story is just beginning and whatever she imagines will come true.”

RELATED: Quick Finish

Portrait of Anna Watson with volleyball
“I feel like the hard work I’ve put in over the past few years has paid off, and I’m extremely relieved to have finished,” said Anna Watson, who will be graduating from high school and her bachelor’s degree in applied mathematics from MSU Denver. Photo by Alyson McClaran

Watson, who holds a 3.25 GPA, said a key lesson she’s learned from all of her work is to remember to be more compassionate.

“I think my main takeaway was that I needed to be a little kinder to myself and find more balance,” she said. “There was a moment when I pushed myself a little too hard. So this year, I really tried to figure out how to balance everything. I know it’s kind of like a weird lesson – like you don’t have to try so hard.

What’s next for Watson? “I was going to go to college, but my parents said I needed a break,” she said.

The “break” includes growing his tutoring business into a full-time business and then spending six months doing volunteer missionary work abroad in poor countries. Eventually, she thinks she will work in the computer field.

“We’ll see what happens,” she said.

Tesla shares tumble amid concerns over Elon Musk’s Twitter bid

More than US$125bn (£99bn) was wiped from the market value of electric car giant Tesla overnight as boss Elon Musk may have to sell his stake to fund his Twitter takeover (John Walton/PA)

More than US$125bn (£99bn) was wiped off the market value of electric car giant Tesla overnight, over fears boss Elon Musk may have to sell his stake to fund his Twitter takeover .

Tesla shares fell 12.2% on America’s tech-heavy Nasdaq index as investors spooked by speculation that its multibillion-dollar chief executive will sell his shares to pay the cash portion of his mega-deal. $44bn (£35m). .

The Tesla owner has personally pledged to inject $21bn (£17bn) in cash to help fund the deal.

But questions have been raised about how he will raise equity, with much of his fortune tied to assets such as Tesla and space exploration company SpaceX.

There are also fears that the Twitter takeover could see the tech pioneer become distracted and less interested in running Tesla.

Besides SpaceX and Tesla, Mr. Musk also runs tunneling firm The Boring Company and computer-brain interface company Neuralink.

Investors are understandably worried about what Musk is doing and if he can pull it off

Neil Wilson, Markets.com

Twitter shares were also hit on Tuesday, falling almost 4% to less than $49.68 (£39.19) – around 10% below the offer price of $54.20 (£42.76) an action that was agreed on Monday.

It came amid a broader tech sell-off on Wall Street, with the Nasdaq closing nearly 4% lower.

But market analyst Neil Wilson, at Markets.com, said the drop “underscores that investors are understandably worried about what Musk is doing and whether he can pull it off.”

It is understood that Mr Musk could seek to bring in other investors to help fund the deal rather than risk destabilizing the automaker’s shares, which could also jeopardize the wider Twitter deal.

Mr Musk’s 17% stake in Tesla accounts for the bulk of his massive $270bn (£213bn) personal fortune and also provides the bulk of the funding for the Twitter acquisition.

He has pledged some of his Tesla shares to back a so-called $12.5billion (£9.9billion) margin loan for the deal and a sharp drop in the share’s value could pose problems.

Mr Wilson said there was a lot of uncertainty about how the takeover saga will play out.

“Could he still walk away?” Admittedly, a check for US$21billion (£17billion) is a lot even for him to write,” he said.

“A US$1bn (£789m) severance package might end up feeling less painful.”

Archbishop says Church of England is not a ‘passive observer’ of migration policy


Archbishop of Canterbury Justin Welby again criticized the government’s new migration policy and warned that the Church of England “is not a passive observer of migration policy”.

Earlier this month the government announced the new immigration policy, which will see asylum seekers crossing the English Channel in small boats sent for processing to Rwanda, where they will have the right to apply to live.

The Archbishop has previously said government policy will not stand God’s scrutiny, while Prime Minister Boris Johnson accused Mr Welby of being ‘less vocal’ in his condemnation of Russian President Vladimir Putin than he was. he was not in his attack on politics.

Mr Welby said: ‘Some of my fellow bishops, clergy and faithful have come to the UK to escape persecution or conflict’ (Gareth Fuller/PA)

Writing in the Daily Telegraph, Mr Welby said: “Some of my fellow bishops, clergy and faithful have come to the UK to escape persecution or conflict.

“We welcome and serve asylum seekers at all levels of society – from providing accommodation, food banks, social support and friendship, to considering legislation in the Lords.”

He added, “Government and church are not the same, but surely we all must want to put humanity and fairness at the heart of our asylum system.

“That is why the Church has called for safe and legal routes for asylum seekers, the provision of visas for humanitarian reasons and the reunification of families.”

Former Prime Minister Theresa May has questioned the legality of the Rwanda deal (Steve Parsons/PA)
Former Prime Minister Theresa May has questioned the legality of the Rwanda deal (Steve Parsons/PA)

Mr Welby said there were ‘serious ethical questions’ about the use of ‘deterrence’ to prevent asylum seekers from reaching the UK.

“Like many, I object to sending vulnerable and traumatized people over 4,000 miles away without their consent and paying another country to take them in,” he said.

“People who have been offered refugee status in the UK will be deported without their cases being heard – including those with family or other ties to Britain.”

The Rwandan deal has also been criticized by senior Conservative and Labor officials since its announcement.

Former Conservative Prime Minister Theresa May questioned the “legality, practicality and effectiveness” of the plan.

Labor leader Sir Keir Starmer told the BBC’s Sunday Morning program the plan was unethical, unworkable and costly.

He added: “I also can’t help but think, I’m afraid, there’s a bit of a distraction tactic in there to stop everyone talking about the prime minister’s wrongdoings. and the cost of living crisis.”

Ms Patel, however, said the deal was intended to try to ’empower’ asylum seekers.

“It has always been a partnership based on resettlement, rebuilding lives. Investing in people,’ she told the Telegraph.

I also can’t help but think, I’m afraid, there’s a bit of a distraction tactic there to keep everyone from talking about the Prime Minister’s wrongdoing and the cost crisis of life.

Mr Keir Starmer

Conservative party chairman Oliver Dowden said some of the criticism leveled at the policy in the media had failed to ‘consider what the alternative is’ unless action was taken to tackle it. against Channel crossings.

“The danger is that more lives will be lost and more criminal gangs will get rich,” he told Sky News’ Sophy Ridge On Sunday.

Mr Dowden added: “I don’t think it’s xenophobic to criticize the government’s plans.

“But I think, in terms of the media reaction to that, it’s not about accepting that a) action needed to be taken and b) I think the situation in Rwanda…Rwanda is a country which is developing rapidly and sometimes some of the views on Rwanda are outdated in this context”.

The 3 Best Installment Loan Apps to Get You Started


Lending apps are gradually replacing traditional loan agencies or credit unions. Today, traditional lending institutions struggle to keep up with the convenience and transparent processes of these apps. Moreover, these applications and online lenders accept applicants regardless of their credit history.

However, identifying trustworthy installment loan applications can be difficult. There are many lending companies in this industry, and while some offer good service, others are opportunistic and deceptive.

Accordingly, we have listed the top three installment loan apps that can help you get started on the right foot. Let’s dive!

The 3 best installment loan apps to get you started

1. Heart Paydays

Heart Payday is a popular loan app in the United States. This site offers all of its loan services online and saves you the hassle of in-store loan applications. You can complete the entire application process in five minutes or less.

They offer various loan services, such as loans for bad credit guaranteed approval $5000which can help you meet your emergency needs.

This application has a user-friendly interface, and practically anyone can easily maneuver it easily. The site is notorious for accepting applicants rejected by other lenders, as its eligibility thresholds are relatively lower than those

in most credit institutions. For example, they accept people with bad credit, the unemployed, and those receiving government benefits.

Typically, Heart Payday loans come with APRs ranging from 5.99% to 35.99%.


  • There is no paperwork involved
  • Same day payment
  • Easy application process

The inconvenients

2. Viva Payday Loans

Another great option for a payout when you’re short on cash is the Viva Payday Loan app. The site offers no-collateral loans within hours of completing your application.

Viva Payday Loan has partnered with direct lenders who can meet your loan needs as quickly as possible. Moreover, these direct lenders offer different loan amounts.

Viva Loans does not perform intensive credit checks when evaluating loan applications, and even people with bad credit scores can get loans with them. Other groups, such as the unemployed and recipients of government support programs, can also apply for Viva Payday loans.

Their payday APRs range from 5.99% to 35.99%. This is mainly because every direct lender they partner with imposes their rates. One of their main drawbacks is that their services are not accessible in all states.


  • Same day payments
  • The simple and fast application process
  • Flexible loan amounts from $200 to $5,000

The inconvenients

  • Viva Loan services are not available in all US states

3. Credit Clock

Credit Clock Loan is considered best for fast loan approvals. They offer their customers a range of loan products, such as bad credit payday loans, personal loans, emergency loans, and more.

It is the ideal lender if you are in urgent and urgent need of money fast because their fast loan approval process and fast repayment period can save you time.

They offer loans to people with bad credit and even those who receive government benefits. However, you must meet their minimum requirements; you must be over 18, prove you earn at least $1,000, and be a US citizen. In some cases, you may need to prove that you are employed by submitting your payslip.


  • Fast application process
  • Same day payments
  • People with poor credit history are also allowed to apply

the inconvenients

  • Only people earning $1,000 or more can apply for the loans


Knowing that you have a loan option within reach of your phone can be an amazing feeling. We often find ourselves in difficult situations, and going through the process of applying for a loan in store can be time consuming to try to finance an emergency. Therefore, having loan applications can make our lives much easier.

However, it also exposes us to great temptations. Unlike the traditional loan system, where you have time to think before taking out a loan, the new app option gives you the luxury of completing a loan application with just a few clicks. Some people, especially spendthrifts, might end up in cycles of debt.

Morgan Sindall Construction completes series of Highland Council early years projects

Morgan Sindall, Alness Nurseries.

Morgan Sindall Construction has successfully completed and handed over 12 of Highland Council’s 13 early years centers worth a combined £13 million.

The company said the final project is expected to be delivered in mid-April.

New early years centers – all of which have been built using sustainable materials and construction methods – include Ardersier, Bridgend, Obsdale, Auldearn, Avoch, Lochcarron, Duncan Forbes, Muirtown, Croy, Kirkhill Primary Schools , Coulhill, Glenurquhart and Stratherrick.

The scheme now brings the total number of early years places that Morgan Sindall Construction’s Inverness office has delivered to 770.

In line with the “De-carbonising Communities” strategy, which is part of Morgan Sindall’s “responsible business plan”, the company has worked with customers and supply chain partners to develop and implement projects that support the Highland Council’s net zero carbon goal.

All of the work included modern off-site construction methods using refurbished modular units and an insulated panel timber system.

The company said modular buildings are one of the most environmentally friendly construction methods and a highly sustainable alternative to new construction and insulated wood kits can perform up to 80% better than regulatory requirements in materials, reducing energy consumption and operating costs through waste diversion. from landfills was 99% in the 13 projects.

Throughout construction, the company said it was committed to local schools and community groups, including donating reading couches and building outdoor benches, helping with general maintenance and by providing a school garden to boost the council’s food culture strategy.

All projects were purchased through the Scottish Procurement Alliance (SPA); an umbrella supplier supporting the efficient construction, refurbishment and maintenance of social housing and public buildings across Scotland which have been delivered on time.

Ian MacDonald, Special Works Manager at Morgan Sindall Construction’s Inverness office, said: “We have a great working relationship with Highland Council and together we provide vital teaching capacity for young children across the region, while minimizing our environmental impact.

“On this particular development, we have received positive feedback and feedback from school leaders. This praise is evident in our delivery of the facilities, which were completed on time and to a high standard. We look forward to working with the council to implement future programs.

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High-flying dream away from fantasy for Caley Thistle after securing third place


High-flying dream away from fantasy for Caley Thistle after securing third place

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Loans for graduates. Most Graduate Students Are Strongly Determined by Loans


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You really must be enrolled at minimum half-time (6 credits or more) to be considered for student loans. Be aware of your loan which is the total responsibility of your payment responsibilities. Our goal at UMass Boston would be to let you discover education funding aided by the best combination of expense, ease, and solution.

Graduate students working full-time on the dissertation or dissertation are eligible for educational funding if they are generally making satisfactory academic progress and tend to create progress in completing their final level requirement. Students should distribute the thesis dissertation form towards the school funding solutions workplace or even the one to avoid. This form must certainly be completed because of the apprenticeship scholarship holder and his head of the graduate system. The student must pay a program fee to remain active in their program if a graduate student does not enroll in any credits during a semester.

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Direct unsubsidized government loan

  • Direct unsubsidized loans are guaranteed by the federal government in full loans; there is absolutely no requirement to demonstrate monetary need.
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  • You may be responsible for devoting attention to an unsubsidized principal loan for all durations.
  • Interest accrues throughout the disbursement of the mortgage in the category
  • You are not obligated to pay interest or principal payments 6 months after graduation or 6 months when you fall below half time. If you choose to never pass attention while you are in school and during grace periods and periods of deferment or abstention, their interest will accrue and the stay will be set to the principal level of their ready.
  • Graduate students working full-time on the dissertation or thesis may defer payment. A Graduate Plan Manager will need to send notification to the Registrar’s Office for virtually all term students working full-time on the degree which is the final requirement purchase to qualify for deferment in school . The student must pay a program fee to remain active in their program if a graduate student does not enroll in any credits during a semester.

The Direct PLUS government loan for graduates or experts

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  • Federally funded loan scheme available to graduate students enrolled at least half-time (6 credits) in a qualifying degree or certification scheme
  • A FAFSA type is required
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  • Interest rate and origination fees
  • Different payment methods can be found

CRUCIAL: Everyone who wants to borrow a Federal Direct PLUS loan must have completed a FAFSA

  • Once the following webpage launches, choose APPLY FOR HELP, then choose Apply for Graduate PLUS Loan once the loan type. Choose begin to begin the program.
  • Year select a price.
  • Conclude the student learning information section.
  • Complete the Educational School and Loan Suggestions area. In the education school name box, be sure to find the University of Massachusetts Boston.
  • In the Loan Duration section, find the appropriate start and end times for the loan duration. After the last day of the requested deadline, our workplace cannot certify a bonus loan request.
  • Continue with the procedures to perform the rest of the parts associated with the application. Be sure to perform all transactions and use their legal name as shown on your personal security card.
  • Complete the credit check. The results of your credit check will be there right away.
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Contact The One end if you need help using or figuring out exactly how much to borrow for the PLUS loan.

Choice of personal loan

Personal education loans are credit-based customer loans that you can use to cover all costs associated with post-secondary education, such as tuition and fees, publications and transportation. Before considering a private loan, we encourage you to apply for federal, state, and institutional educational funding, such as Federal Student Education Loans. UMass Boston strongly encourages all students to strive for educational funding each season by completing a FAFSA. After exhausting the loan options offered by federal aid, students can begin to think about private loan products as another way to get money.

Eligibility for personal loans is based on ability and creditworthiness to settle, perhaps not economic need. Personal loans can be granted because of the scholarship holder or the parent/sponsor. More student loaned personal loans require a creditworthy co-signer and allow deferral of principal and interest payments even if the scholar is enrolled. Remember that interest rates from some lenders may vary depending on the payment option you choose.

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Maybe not enthusiastic about a loan? There was an interest-free method to spend their semi-annual bill on equal, scheduled monthly obligations. Take a look at the payment per month arrange choice. There was clearly a one-time cost of non-refundable registration fees per semester. Issues? Contact the bursar’s workplace by email.

Wrongfully convicted postmasters still awaiting compensation a year later


Postal workers involved in the Horizon computer scandal said they were no closer to getting compensation a year after the first convictions were overturned.

Neil Hudgell, the lawyer leading the compensation negotiations, has called for the cases to be settled by the end of the year to prevent victims from facing further financial ruin.

Thirty-nine long-standing convictions were overturned by the Central London Court of Appeal on April 23 last year, and the number has since risen to 73.

I may not be a criminal anymore, but I’m still a victim. La Poste continues to control my life and cause me stress and sleepless nights

former postmaster

Mr Hudgell said: ‘We need to close these cases in this calendar year so these decent, honest people can get on with their lives and finally enjoy some peace of mind.

“Many feel strongly that their continued suffering continues to be used as leverage to make paltry settlement offers.

“For some poor postmasters, time has beaten them, they have died or lost their ability. For others, time is running out too.

“Perhaps the words of a deputy postmaster best sum up the current position.

“They said, ‘I’m worried now that the interim payment is running out, just to settle personal loans, debts and essential home repairs – my freezer, washer and microwave have all packed up these last months, and now my boiler.

“I may no longer be a criminal, but I am still a victim.

“La Poste continues to control my life and cause me stress and sleepless nights”.

Neil Hudgell, of Hudgell Solicitors, at the Royal Courts of Justice (Hudgell Solicitors)

Mr Hudgell added that although most deputy postmasters have received interim payments from the post office, they believe that these payments were only made so that the institution could feel “that they did them a favour” instead of returning the money wrongly taken.

He called for another round of interim payments to settle agreed losses and a speedy resolution of disputes with Post Office lawyers to resolve ongoing issues, adding: “We are poles apart in how we assess some of the losses suffered by the sub-positions.”

The Court of Appeal has already heard that the lives of many sub-postmasters have been ‘irretrievably ruined’ as they lost their jobs, homes and marriages after being sued by the post office – who knew the system Horizon developed by Fujitsu had “flaws and bugs from the early days of its operation”.

Hundreds of people who ran Post Office branches were convicted of offenses – including theft and false accounting – during the system’s period of use.

I’m a stripper in the highlands


A STRIPPER is urging people to support sex workers and stop the authorities from shutting down the Highlands’ only lap-dancing club.

On Monday (April 25), the Highland Council’s licensing committee – the UK’s largest authority by square miles – will consider public responses to sexual entertainment venues (SEVs).


Kelsey hopes people will leave sex workers in Inverness alone
She loves her job and doesn't want to be taken away


She loves her job and doesn’t want to be taken away
Kelsey works at Private Eyes in Inverness


Kelsey works at Private Eyes in Inverness

The future of the Private Eyes Gentleman’s Club – the only strip club in the Highlands – hangs in the balance, and with it the jobs of 30 women who work there.

Local authorities were granted the discretion to license Sexual Entertainment Venues (SEVs) in the Air Weapons and Licensing (Scotland) Act 2015.

We told how in Edinburgh councilors voted to set licenses to ‘zero’ instead of four, which matches the number of strip clubs currently open in the capital, BANNING venues for the first time in Scotland .

But Kelsey Johnson, a dancer with the Inverness-based club and goes through Kelseyxo online, insists the move could be ‘hugely damaging’ to women’s safety, as female workers would be forced to work for clandestine agencies instead. security of a place.

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The 24-year-old, from Thurso, told the Scottish Sun ahead of Monday’s vote: ‘It’s 2022 I find the whole idea of ​​closing the only venue in the Highlands absolutely appalling and hugely damaging to safety women at best.

“All that will happen is that underground agencies will go after the girls and send them to events at hotels and stag and hen houses. It won’t force them to have regular jobs. It’s dangerous !

“Me and the girls would be heartbroken to see such a safe and amazing environment taken away from us so needlessly.

“I urge people trying to shut it down to think about their true motives, because the safety and happiness of women can’t be that.

Most read in The Scottish Sun

“It will only push women into dangerous situations or having to travel far to be able to do their jobs.”

The club currently employs 25 dancers and six bar staff, as well as security and other administrative services.

Kelsey always hears from female visitors how safe they feel drinking in the club, especially with the current problem of drinking spikes at regular clubs.

She continued: ‘A customer came to me yesterday saying this is the only bar in town she feels safe to have a drink in, her exact words were ‘there is no bar safer for women or men than here'”

“We have many female clients and hen parties for this reason. It would be a huge step backwards for the safety of highland women who have chosen to be dancers.”

As officials prepare to make a decision on the venue’s future this week, the OnlyFans bestselling model believes sex workers are being shut out of political conversations in favor of scare tactics.

Submissions from NHS Highland and groups such as Highland Violence Against Women Partnership, among others, call for the number of SEVs to be set at zero and claim that strip clubs are a ‘public health’ issue.

Strikingly, Kelsey added: “I don’t know who these groups think they are to constantly take it upon themselves to speak on our behalf.

“All they are trying to accomplish is take away our safe workplace and in turn deny us freedom of choice.

“I think they should be ashamed of themselves.”

Kelsey, who we previously told how she paid off her £400,000 mortgage with earnings from her sex work, blames ‘stigma’ around clubs linked to allegations of rape, human trafficking, assault and prostitution.

Such claims came from a public submission by Highland’s Violence Against Women Partnership written by DCI President Donald MacDonald, who said: “Sexual entertainment venues are places where abuse of young girls and women is rife and where the degradation of those trapped in poverty is normalized.

“The pathways to the ‘spectacle’ range from abusive childhoods, human trafficking and perceived lack of alternatives.

“Verbal, physical and sexual harassment and assaults of dancers are common and ongoing.

“It is done by punters and staff. Assaults include GBH, harassment, rape and gang rape.”

But Kelsey replied furiously: “It’s the stigma that surrounds strip clubs because you’re in England and in the States, it’s so different here and people don’t realize that. .

“The rumors of assault, sex trafficking and forced labor are so misleading that I would honestly find it laughable if it wasn’t such a serious situation.

“They can’t cite real examples of what’s going on at the club, so these are blatant lies.”

NHS Highland and HVAWP both complained that the draft policy did not seek to set the number of SEVs to zero, but in a response from council officers it was clear that was left to elected members to decide. rather than officials.

A council officer said: “It remains open to the committee in light of the consultation responses received to determine whether further consideration is required in relation to setting a maximum number of SEVs that can operate in the Highlands.

“Members will note that it is within the authority of the committee to set the maximum number to zero (zero being that no SEVs are allowed to operate in the Highlands).”

A Private Eyes spokesperson said: ‘We have operated Private Eyes across Scotland for 24 years without issue and there have been no cases of outrageous allegations made specifically by NHS Highland.

“We have comprehensive club rules both on how dancers should behave and we have a duty of care to staff and another to customers.

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“We are proud to have dancers who have worked with us for, in some cases, 20 years due to the safe and friendly environment.

“Across Scotland, in all the different clubs, there has never been a case of human trafficking, prostitution or underage dancers for over 25 years.”

Kelsey fears for the staff's future


Kelsey fears for the staff’s future

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Arrow Electronics Headquarters at DTC Sells for $106 Million – BizWest


This story first appeared on BusinessDen.com, a press partner of BizWest.

Arrow Electronics has a new owner for part of its headquarters at the Denver Tech Center.

The Fortune 500 company’s centennial-based building at 9151 E. Panorama Circle — one of the company’s three leases in the Denver Tech Center — sold earlier this week for $106 million, according to public records. .

San Francisco-based Drawbridge Realty purchased the eight-story building from DCS Owner LLC, which purchased it in October 2017 for $87 million, records show. This is around the time the structure was completed.

The building is approximately 223,177 square feet, which means the latest sale is around $475 per square foot. The property is technically in an unincorporated part of Arapahoe County, although it is surrounded by the town of Centennial.

Arrow leases another office building literally across the street at 9201 E. Dry Creek Road, which is also part of its headquarters. The company’s third local office is about a mile and a half away at 181 Inverness Drive West.

Arrow moved its headquarters from New York to DTC in 2011, although the company already had a significant presence in the region before the change.

According to the company’s website, Drawbridge’s holdings also include the Greenwood Corporate Plaza buildings at 5970 Greenwood Plaza Blvd. and 8051 E. Maplewood Ave. in Greenwood Village.

This story first appeared on BusinessDen.com, a press partner of BizWest.

Arrow Electronics has a new owner for part of its headquarters at the Denver Tech Center.

The Fortune 500 company’s centennial-based building at 9151 E. Panorama Circle — one of the company’s three leases in the Denver Tech Center — sold earlier this week for $106 million, according to public records. .

San Francisco-based Drawbridge Realty purchased the eight-story building from DCS Owner LLC, which purchased it in October 2017 for $87 million, records show. This is around the time the structure was completed.

The building is approximately 223,177 square feet, which means the latest sale is around $475 per square foot. The property is technically in an unincorporated part of Arapahoe County, although it is surrounded by the town of Centennial.

Arrow leases another office building literally across the street at 9201 E. Dry Creek Road, which is also part of its headquarters. The company’s third local office is about a mile and a half away at 181 Inverness Drive West.

Arrow moved its headquarters from New York to DTC in 2011, although the company already had a significant presence in the region before the change.

According to the company’s website, Drawbridge’s holdings also include the Greenwood Corporate Plaza buildings at 5970 Greenwood Plaza Blvd. and 8051 E. Maplewood Ave. in Greenwood Village.

Gove says even the most ‘Thatcher-worshipping’ people want more social housing


Cabinet Secretary Michael Gove said even the most ‘Thatcher-worshipping’ people wanted more social housing because he recognized there was an ‘urgent’ need for action.

The Housing Secretary has warned that the “inadequacy” of many homes, and the “frailty and vulnerability” people face in their daily lives, are “unbearable and indefensible”.

Speaking at a social housing conference organized by the charity Shelter on Wednesday, Mr Gove said there had been “a failure to ensure that there is truly affordable housing for all”.

“There is an urgent need for us to tackle the lack of social housing and the poor quality of social housing at the moment,” he said.

“We have come to a situation for various reasons where the number of people living in social housing, the availability of social housing, is simply insufficient for any notion of social justice or economic efficiency.

“The number of people who have been able to access property – own their own home – in this country has been declining for years now.

“It’s a cause for concern for me as a curator because I believe the aspiration to one day own your own home is a noble thing.”

That’s why even the most – how to say – Thatcher worshipers, homeownership fetishists, capital hoarders from this audience… you want more social housing

Michel Gove

Mr Gove said that while the number of homeowners has fallen, the number of social housing has not increased – with people occupying private accommodation instead on the rise.

“The reason this is a problem for social justice and for economic efficiency is that we know that the quality of the private rental sector, the circumstances in which people find themselves, the inadequacy of a so many of these dwellings, the fragility and vulnerability that many people find in their daily lives because of this, is unbearable and indefensible,” he said.

“Of course, the majority of those in the private rental sector are provided by good landlords who provide good service.

“But the cost, even for those who are looked after and in the hands of good landlords, compared to either what they would pay if they had a mortgage or what they would pay if they were in a social housing, is once again indefensible. in many cases.

Michael Gove said even the most ‘Thatcher-worshipping’ people want more social housing (Kirsty O’Connor/PA)

“It’s a function of broader supply issues, but it’s also a core function of our failure to ensure that there is truly affordable housing for all, our failure to ensure that there is more social housing.”

Mr Gove said one of the ‘significant hurdles’ to home ownership is ‘acquiring capital over time’.

“If people are in the private rental sector and paying the rents, they have – especially in our big cities – the ability to save to acquire…that capital for a deposit is extremely low,” he said. declared.

“That’s why even the most – how can I say – members of this public who adore Thatcher, who fetishize property and who accumulate capital… you want more social housing.

“Because you want people to be in decent homes where they can pursue the jobs they love and save someday for a home they might want to call their own.”

He added: “The case for more social housing – the ‘why’ – I think is increasingly understood and has been presented by Shelter for years now. But it is an argument that has reached not only maturity, but urgency in our political debate.

On how to achieve this, Mr Gove suggested measures to use existing funds more effectively and free up state-owned land for new social housing.

Exposure to first-team football with Ross County has helped Southampton loanee full-back Jake Vokins improve on the pitch


Ross County full-back Jake Vokins believes his loan spell at Dingwall has helped him develop as a player.

The 22-year-old had only played a handful of senior games before temporarily moving to Global Energy Stadium – even then spending spells on the sidelines due to injury in the Highlands – but played 18 times in all competitions so far. season.

Jake Vokins played his part in helping Ross County reach the top six in the Scottish Premiership. Photo: Ken MacPherson

This exposure to first-team football is what any player needs to take the next step in their career, and Vokins feels his time with the Staggies has served him well so far.

“Obviously it was very disappointing to get injured at the start of the season,” he said.

“I had to work hard to get back in shape and get back into the team, but for me personally it’s been very good to have so many games under my belt and to make that top six as a team.

“Playing men’s football is very different from college football in England. Getting that experience and being in the dressing room, working with the staff, everything has helped me improve massively as a player.

“It’s about decision-making. In the academy it’s about taking the ball and playing it – we always do that, but there are times when it’s not and it’s is about being street smart and making the right decision at the right time.

“You really have to be a man, because it’s men’s football. Having played a few games in England, I know what it’s like, so doing it week after week has definitely helped me improve.

“Southampton have been very happy with my progress. They watch every one of my games and I get feedback on every game I’ve had so they’ve been very supportive of me as well.”

Vokins was one of the first signings made by County Manager Malky Mackay, third in the gate last summer after the arrivals of Ross Callachan and Dominic Samuel.

Vokins was able to test himself against Scotland's biggest clubs during his time at County.  Photo: Ken MacPherson
Vokins was able to test himself against Scotland’s biggest clubs during his time at County. Photo: Ken MacPherson

A turbulent summer in the transfer market has been followed by a tumultuous start to the season, with Covid cases forcing the Dingwall side out of the League Cup group stage before the side have played 10 matches championship without a win.

Since then, the recovery of Global Energy Stadium has been spectacular. Since the winter break they have been third in the form table, a run which has seen Vokins and co move into the top half of the table via the split, giving them every chance of qualifying for continental competition for the first time the next season.

In recent days Mackay has been linked with the vacant managerial job at Hibernian, who sacked Shaun Maloney after just four months in charge, and Vokins believes the Staggies boss has played a vital role in the team’s success this season.

“He was hugely important,” insisted Vokins.

“When he arrived, he put his stamp on the group and on the way he wanted us to play and behave, on and off the pitch. We are still together and we have remained true to his habits.

“I think it shows especially on the pitch, which made us a more tight-knit group. He certainly helped us a lot.

“I had a Zoom call with him before signing, and we had a long, good conversation about what he wanted from me and what he wanted from his team, and that conversation persuaded me to come. — he’s ticked all the boxes since then.”

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Many banks charge more than payday lenders for small loans


Many states have laws limiting fees for payday loans, but some payday lenders partner with multiple banks to issue loans whose prices exceed these limits. With these “rent-a-bank” agreements, banks issue loans on behalf of payday lenders, even in states that ban payday loans or only allow them with collateral. the Federal Deposit Insurance Corp. supervises the six banks known to participate in these arrangements.

Bank leasing partnerships have resulted in loans with annual percentage rates typically ranging from 90 to 200, rates much higher than what banks typically charge or the laws of many borrowing states allow. But banks have preemptive power, which means they can issue loans under their home state’s banking laws even if loan interest rates aren’t allowed under credit laws. for consumption by the State of the borrower. Because rent-a-bank payday lenders market and manage these transactions and bear most of the risk, some states consider them the true lender and have for follow-up or threatens enforcement actions for violation of state laws.

The eight states that allow payday loans and whose banks charge as much or more than state-licensed lenders are Colorado, Hawaii, Maine, New Mexico, Ohio, Oregon, Virginia and Washington. For example, in Virginia, a car title lender – which is similar to a payday lender but guarantees loans with car titles – makes loans that it says do not have to comply with Virginia law because that they are issued by a bank based in Utah. This lender issued a three-year loan of $2,272 with an annual percentage rate of charge (APR) of 98.7% and finance charges of $4,867. This means the borrower would repay $7,139 on a $2,272 loan. For a customer with a comparable credit history, the cost to a state-licensed non-bank lender for the same loan in Virginia is approximately $1,611, three times less than bank charges through their lending partner. In title.

Competition in markets, including credit markets, generally lowers costs. However, previous research from Pew found that people looking for payday loans focus on how quickly they can borrow, the likelihood of being approved, and the ease of borrowing. Payday lenders therefore tend to compete on these factors rather than price, as their customers are in dire financial straits. The low sensitivity of borrowers to costs when they are in difficulty explains the lack of competition on personal loan prices.

Comparison of Loans Issued by Payday Lenders vs. FDIC Supervised Banks in 8 States

Rent-a-bank lenders operate on a high cost business model with high customer acquisition costs, overhead and losses. They charge high interest rates to cover these costs. But offering loans directly to current account customers is a much better way for banks to provide safer and more affordable credit, just like Bank of America, American bankand Huntington Bank are already doing. Good news for consumers, Wells Fargo, Truist and Regions announced plans in January to offer new small loans. These programs can reach customers with low credit ratings who previously did not qualify for bank loans. Smaller banks can rely on technology providers to offer similar small automated loans to their customers.

This affordable credit has the potential to save millions of borrowers billions of dollars compared to payday loans, and regulators are welcome them properly. But high cost bank lease loans that sometimes cost even more than payday loans have no place in the banking system. The FDIC should shut down high-risk, high-loss partnerships that result in loans that many state laws otherwise prohibit.

Alex Horowitz is a Principal Officer and Chase Hatchett is a Senior Associate of The Pew Charitable Trusts Consumer Lending Project.

Owain Fon Williams: Ex-Dunfermline keeper moves to Northern Colorado Hailstorm FC


FORMER Athletic goalkeeper Owain Fon Williams is heading to the United States after agreeing a move to Northern Colorado Hailstorm FC.

The Welsh international cap, 35, has been hired as USL (United Soccer League) Ligue 1 new goalkeeping coach at the club, where he will join their head coach, Éamon Zayed, former team-mate of Crewe Alexandra.

A popular figure at the time with Pars, Fon Williams left East End at the end of February after his contract was canceled by mutual consent, with the club citing family reasons for his exit.

Having originally joined Hamilton Academical on loan in January 2020, Fon Williams agreed a permanent move to Dunfermline that summer, signing a two-year player/manager deal.

Talk to Northern Colorado Hailstorm FC websitehe said, “I’m preparing for this opportunity by coming to Colorado and joining the Hailstorm.

“A brand new team is a blank canvas and an opportunity for all of us to embrace and help build this football club with everyone here in northern Colorado to be what we want it to look like.

“I am very grateful for the opportunity given by Éamon to come here and share my experience with the team. Between Éamon and Kevin (Sawchak, assistant head coach), they have built a fantastic team of players who will really compete and giving is their all this season.

“This is a football season that everyone in Northern Colorado can be excited about.”

After leaving the club, Pars manager John Hughes said “there was a lump in my throat” when he announced Fon Williams’ departure from the team, and that he “cannot can’t say enough” about him.

During his time as a Pars player he made 62 appearances and raised £3,000 for the club off the pitch through a painting he created and auctioned off to help the fundraising campaign. ‘Support the Pars’ during lockdown two years ago.

Capped by his national team in a friendly with the Netherlands in 2015, Fon Williams was part of the Welsh squad at Euro 2016 which memorably reached the semi-finals, losing to eventual winners , Portugal.

Some of his previous clubs include Inverness Caledonian Thistle, Stockport County and Tranmere Rovers, as well as a loan spell with USL club Indy Eleven in 2018.

Zayed added: “Owain is one of my best signings. I know Owain from when we played and lived together years ago with Crewe Alexandra in the English Premier League. His experience is up there with any coach all over America.

“His knowledge of the game will not only help our goalkeepers develop, but also the whole squad and coaching staff.”

Northern Colorado Hailstorm FC was formed last year and 2022 is the team’s inaugural season.

Here’s a roundup of some of the biggest fixtures across Scotland


Family-owned homebuilder Muir Homes has appointed Nicola McCowan as Lands and Planning Manager.

McCowan will be responsible for identifying, appraising and acquiring land and sites on which Muir can work on his plans to build quality homes across Scotland.

Muir Homes is currently working on several sites in Aberdeenshire, Perthshire and the West of Scotland, and on new land opportunities in the central belt of Scotland, with plans well advanced to create a further 155 homes on new sites next year.

Meanwhile, property advisers Rettie & Co have poached Knight Frank’s Neil Cunningham as business manager to help support the company’s growth.

Cunningham will be responsible for implementing the company’s strategic sales and leasing priorities to ensure the focus is on sustainable and profitable growth.

He worked with Knight Frank from 2017 in the London property market and Foxtons for 12 years in sales and lettings.

While in the hospitality industry, hotel operator Apex Hotels has appointed two senior executives to help support its post-pandemic regeneration of the business to improve the hotel’s guest experience and internal culture. hotel.

Michael Stott Chief Commercial Officer at Apex Hotels

Michael Stott joins the company as Chief Commercial Officer, from Hoar Cross Hotel & Spa having also held notable positions with Macdonald Hotels and Resorts, Whittlebury Hall & Spa and Center Parcs during his three decades with the industry.

He also appointed a new human resources director Kerry Draper who has over 20 years of experience in human resources and people management, including key roles with household names like Virgin, British Gas and Carlsberg.

Director of Human Resources Kerry Draper at Apex Hotels
Director of Human Resources Kerry Draper at Apex Hotels

In the accounting industry, Hall Morris has promoted Derek Petre from his role as director of audit and accounts and business advisory to partner.

He joined Hall Morrice as a trainee accountant in 1999 after graduating from the University of Aberdeen; obtained the chartered accountant title in 2002.

He rose through the ranks of the company, becoming senior audit manager in 2006, and taking on the role of audit, accounting and business advisory manager in 2013.

Recruitment has begun for his previous position as director of auditing, accounting and business consulting and Petrie will retain those roles until his replacement is appointed.

While headquartered in Aberdeen, procurement specialist Craig International has appointed three members to its board of directors to support its international growth.

Bruce Cormie becomes Director of North American Operations; Steve Gibson Director of Middle East Operations and Andrew Adams is appointed Chief Financial Officer.

All three have worked at Craig International since its international expansion over the past few years and have contributed to success by adding new customers, expanding into new geographic markets and increasing turnover by £70 million in 2015 to around £120m this year.

In the housing and care sector, Bield Housing and Care has appointed Beth McNeil and David Fisher to help position the organization as Scotland’s leading provider of housing, care and support for older people.

Development and regeneration professional Beth McNeil has years of experience and operational leadership in large-scale regeneration and construction projects, with a keen interest in how housing can be adapted to provide homes adapted to a changing world.

The second new member of the board is housing expert David Fisher, who began his housing career in the 1980s with the Scottish Special Housing Association and later graduated in housing and urban studies from the University of Glasgow. Fisher provides expert advice on strategic asset management, growth and customer service.

In the media sector, public relations firm Clark has hired four new staff in its offices in Edinburgh and Glasgow.

In March, Janice Macgregor joined as Associate Director, following her role as Head of Communications for Salmon Scotland.

She joins Clark’s management team and will provide advice to clients with an international presence, such as Seafood Scotland and Moore Global.

Other March hires include Murray Glen who joined as a Glasgow-based account manager, as well as account managers Louise Thompson and Sophie Lynch.

In the technology sector, Scottish software development company, Vidatec, has appointed Nick Welch as Chief Technology Officer.

Welch joins the Dundee-based technology company as part of a strategic move to provide wider software development services in key sectors including retail, leisure tourism and travel, healthcare and finance.

He joins Vidatec with nearly 20 years of experience, including roles at Progressive Content and GlobalData Plc, and project experience with blue chips including British Airways and Jaguar Land Rover.

Following a restructuring of its leadership team, Insights Group veteran Ross Wilson has also been named Director of Clients and Partnerships with a mission to bring more data analytics and insights to customer projects.

Joe Davies has been promoted to Associate in the Private Law Services team
Joe Davies has been promoted to Associate in the Private Law Services team

The Scottish legal industry also saw a series of appointments with Gilson Gray, promoting his private client associate to associate.

Joe Davies, who joined the firm in 2018, was promoted to partner and allowed him to continue the hands-on and focused direction of Gilson Gray’s private law services.

Nicky Grant, dual-qualified legal director within the team's commercial team
Nicky Grant, dual-qualified legal director within the team’s commercial team

The Shakespeare Martineau law firm has appointed a new, dual-qualified legal director.

With nearly 10 years’ experience in Scotland, Nicky Grant has joined the company’s commercial property team and will be based in Edinburgh.

Prior to his new role, Grant spent seven years at Edinburgh-based Dickson Minto, having completed his property-focused internship at Raeburn Christie Clark & ​​Wallace in Aberdeen.

Scott Moncur Head of Financial Services and Sustainability
Scott Moncur Head of Financial Services and Sustainability

While Edinburgh-based legal services firm Vialex has recruited experienced barrister Scott Moncur to head financial services and sustainability.

Moncur joined Vialex from Medici Legal Advisors, a boutique law firm specializing in digital disruption and FinTech.

Originally from Inverness, he has over three decades of experience in the financial services industry, gained working across the UK with FTSE 100 companies as in-house counsel and with law firms in prominent in Scotland.

(LR) Natalie Buxton, Neil-Spark, Helen Bennett, Suzanne Gilson and Kirsten Newman
(LR) Natalie Buxton, Neil-Spark, Helen Bennett, Suzanne Gilson and Kirsten Newman

Weber Shandwick, has appointed Natalie Buxton to the newly created position of UK Network Managing Director. Buxton will retain her role as Managing Director of Weber Shandwick Scotland, while taking responsibility for linking Weber Shandwick’s UK offices in London, Manchester and Scotland.

It also made a series of new appointments across its UK business, including Suzanne Gilson joining as UK Chief Financial Officer; Neil Flash as Chief Operating Officer of Weber Shandwick UK; and Dean Gallagher was promoted to managing director, Weber Shandwick Manchester.

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Dundee United eyes Logan Chalmers considering promotion for Caley Thistle


Dundee United eyes Logan Chalmers considering promotion for Caley Thistle

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Clachnacuddin missed the first half after the Highland League’s final game of the season in a loss to Buckie Thistle


Highland League

Clachnacuddin 1

Buckie Thistle 3

Scorers – Clach: Thompson (89) Buckie: Adams (55) MacAskill (60, 67)

Clach’s Ali Gillies closes Marcus Goodall. Photo Gary Anthony.

CLACHNACUDDIN ended the Highland League campaign with a loss to Buckie Thistle and missed the finish in the first half for the first time in nine years.

However, it wasn’t enough for Buckie Thistle to finish top as Fraserburgh beat Forres Mechanics 5-0 to be crowned champions.

The score at Grant Street Park was scoreless at half-time despite Clachnacuddin having two fine chances to take the lead.

Connor Bunce beat the offside trap and was clean on goal with only the keeper to beat, but exploded over the bar.

Lewis Mackenzie ran down a road an upward punt and managed to pass goaltender Kevin Main, but ended up hitting the side netting.

Clach keeper Martin Mackinnon pulled off a wonderful save from Scott Adams from close range to keep the scoreboard clean at half-time.

Martin MacKinnon called to action for Clach.  Photo Gary Anthony.
Martin MacKinnon called to action for Clach. Photo Gary Anthony.

But Buckie Thistle took the lead 10 minutes into the second half as Adams connected with a cross from the left wing to fire from 12 yards.

Kevin Fraser drives Buckie.  Photo Gary Anthony.
Kevin Fraser drives Buckie. Photo Gary Anthony.

The visitors took control of the game and doubled their advantage on the hour mark when Andrew MacAskill pounced on the rebound from Mackinnon’s save from Kevin Fraser to fire from eight yards.

Andrew MacAskill scores his first of two goals for Buckie.  Photo Gary Anthony.
Andrew MacAskill scores his first of two goals for Buckie. Photo Gary Anthony.

A penalty was awarded midway through the second half when Ben Cormack was ruled for fouling Kyle Macleod in the box.

MacAskill then sent Mackinnon the wrong way from the spot to make it 3-0.

Andrew MacAskill from the spot for Buckie's third goal.  Photo Gary Anthony.
Andrew MacAskill from the spot for Buckie’s third goal. Photo Gary Anthony.

Clachnacuddin grabbed a consolation late in the game when Robbie Thompson, on loan from Caley Thistle, charged into the box and fired a low kick past Main from 12 yards out.

Disappointment for Buckie at the final whistle as the players and manager Graeme Stewart applaud the fans.  Photo Gary Anthony.
Disappointment for Buckie at the final whistle as the players and manager Graeme Stewart applaud the fans. Photo Gary Anthony.

Highland League results

Brora Rangers 1 Keith 0

Clachnacuddin 1 Thistle Buckie 3

Formartine United 1 Rothes 1

Fort William 1 Deveronvale 2

Fraserburgh 5 Mechanical Forres 0

Lossiemouth 0 Brechin City 3

County Nairn 5 Turriff United 3

Strathspey Thistle 0 Inverurie Loco Works 1

Wick Academy 2 Huntly 4

The Highland League table is available by clicking here

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Why Tax Refund Loans Are Bad: Fees, Interest, and Risk


Last-minute declarants endeavor to send their declarations to the Internal Revenue Service by the 2021 tax year deadline on Monday, April 18 — and are likely looking forward to a big check via their tax refund.

Some tax firms or other lenders may offer the option of accessing these funds earlier, in the form of a tax refund loanalso known as a repayment anticipation loan.

Regulatory bodies and advocacy groups warned of the potential drawbacks of loans, especially those that come with high fees or high interest rates. Personal finance experts generally do not recommend them.

Here’s what you need to know about loans this tax season.

What is a tax-free loan?

A tax refund loan is, quite simply, an advance on your tax refund, said Matt Schulz, chief credit analyst at LendingTree.

It’s a way to borrow against your tax refund to access funds immediately: borrow the amount from a lender and give them the refund when you get it from the IRS.

“Unlike a lot of loans, it’s not necessarily something you’re looking for,” Schulz said.

Tax refund loans are usually offered by a tax preparation company, Schulz said. You will not find them in your bank.

What are the advantages and disadvantages?

The advantage of a repayment anticipation loan is quite simple: you have immediate access to your repayment amount, instead of waiting for the days or weeks it may take to obtain the funds from the IRS.

The wrong side? “It can end up costing you money,” Schulz said, in the form of interest or fees.

Some tax firms will offer you a tax refund loan at no cost, Schulz said. But, you will have to pay the company to do your taxes for you.

“Even with a 0% loan, there will always be a minimum that you will pay to prepare your taxes,” he said. “So if you’re someone who’s already planning to do your taxes, maybe it’s not that bad.”

Teresa Murray, director of the US Public Interest Research Group’s consumer watchdog office, says the cost may outweigh the benefits.

“We really urge people to avoid any type of prepayment anticipation loan,” she said. “Anything you borrow against a refund you haven’t gotten yet…it’s just bad news written all over the place.”

the North Carolina Consumer Council warns “think again” to anyone considering a loan against their tax refund.

“While getting a tax refund advance may seem tempting, these loans are actually payday loans for tax returns, and you should avoid them as much as possible,” according to advice from the council on its website. . “The full amount must be repaid, as with any other loan, even if your repayment is less than expected or ends up not being repaid at all.”

When can I expect to get my refund?

IRS issues more than nine out of 10 refunds in less than three weeks, according to its website. Taxpayers who filed their returns electronically will get their refund faster than those who mailed their tax forms.

And the department is handing out refunds faster and faster, Murray said. Now, some e-filers can expect to see the funds in their bank account within days.

“If you file electronically, you can get your money typically in four to six days,” she said.

North Carolina taxpayers may get their state tax refunds slower, but the upside is that a delay in accepting returns this year was due to a legislative reduction in the individual tax rate.

Should I consider a tax-free loan?

Schulz said if you really need the money — and read the terms carefully — a tax refund loan can be an alternative to riskier ways to fill your bank account.

“Emergencies happen: job loss, medical emergencies, whatever the case,” he said. “(In that case), there are worse things you could do than a tax refund.”

And assuming you’ve done your taxes correctly, he said, a tax refund loan is a secured loan, with your actual refund serving as collateral. This makes it much less risky than, say, an unsecured payday loan with an exorbitant interest rate.

Murray, on the other hand, cautions against lending under any circumstances. She suggests holding on until you get your refund, especially since it might not take very long if you filed electronically and set up direct deposit.

“If you’re short on money…find a friend or relative to borrow money from for a few days,” she said. “Don’t go the prepayment loan route because they’re just ridiculously expensive…you’re paying for your own money.”

As this year’s tax filing season ends without the threat of a government shutdown going forward, that could make these loans even riskier, according to the North Carolina Consumers Council.

“Frequent federal government shutdowns could make these types of loans more attractive if you want to get your repayment quickly, which can complicate things. Remember that a delay in getting your repayment will not be considered by the lender and will not release you from any obligation to repay the loan on time,” its website states.

Schulz added that major tax firms — like H&R Block or Jackson Hewitt — only accept applications for tax refund loans during a certain period, often between December and February. So, for these filers, the loan application window may already be closed.

And Murray had another piece of advice for any registrants who haven’t signed up yet: start early next year.

“When you’re in a rush, you’re more likely to not pay attention,” she said. “Anytime you have the words ‘not careful’ and ‘IRS’ in the same sentence, that’s not a good thing.”

This story was originally published April 15, 2022 8:36 a.m.

Charlotte Observer Related Stories

Hannah Lang covers banking and economics equity for The Charlotte Observer. She studied business journalism at the University of North Carolina at Chapel Hill and grew up in the same town as her alma mater.

The buoyant property market in Inverness is experiencing rapid turnover, agents report

The housing market in the Highlands is buoyant, estate agents say.

A buoyant property market in Inverness is leading to a lack of stock amid rapid house turnover, agents have reported.

It comes as homes come up for sale and sell out within a week in the area, with many exceeding the asking price.

The housing market is vibrant in the Highlands with a rapid turnover of properties, says Duncan Chisholm, sales manager for Munro and Noble in Inverness.

He said: “Property turnover in the area is very fast. Sometimes they sit down, but now they turn around in a week.

Figures for the Inverness area on Home.co.uk show that in April 2021 the average time for homes to sit on the market was 165 days compared to April 2022 with the average time for a home to sit now at 86 days.

“There is a stock issue which is radically different from other places like Aberdeen where properties are struggling to sell,” Mr Chisholm explained.

Most homes are above the asking price in general, but Chisholm said there is no rule of thumb when it comes to pricing.

“He’s exceptionally busy, which is good for business.”

Karine MacRae, director of Tailor Made Moves in Inverness, also found they were running out of stock, the busiest year in their history.

She said: “There is a shortage of stock, and the ones we have are going for silly money.

“We are now getting homes for over £50,000 above valuation.”

She said that makes it difficult for first-time buyers to enter the market because they can get the money for a mortgage but have to pay extra because the houses are going so fast.

Inverness’s housing market has performed better than before the lockdown, with many people changing their working and living habits.

Faisal Choudry, director of residential research in Scotland for Savills, said the Inverness market is doing better than before the pandemic.

“People want more space, amenities, services and job opportunities,” he said. “People wanted to move to the countryside at the start of the pandemic, but now they want to move back to the cities.”

In the 12 month period from March 2021 to February 2022 there were 1,960 property sales in the Inverness area with the average house price at £213,683.

By comparison, there were 1,854 transactions in the last full year of pre-Covid sales in the period March 2019 to February 2020 at an average price of £194,333.

More new build is also sold in Inverness than is generally the case in the whole of Scotland.

For new build in the Inverness area, over the period March 2021 to February 2022 there were 429 sales at an average price of £253,083.

Mr Choudry said: ‘Twenty-two per cent of house sales were new build over this period, compared to 13 per cent overall across Scotland.’

Tulloch Homes is one of the leading developers of new builds in Inverness – and it has four developments underway in and around the area, with more in the pipeline.

Almost half of homebuyers at Tulloch Homes’ Inverness developments over the past five months have come from out of town, with lifestyle changes fueling population growth.

Jo McLaren, director of sales and marketing for Tulloch Homes, reports that demand remains exceptionally high.

She said: “A survey from January 2021 to present shows that 49% of shoppers came from outside postcode areas IV.

“This statistic highlights that the demand for quality accommodation in Inverness is not slowing down. More and more people see this beautiful region as a relocation opportunity, with attractive lifestyle options.

“This growth in popularity is great for the local economy.”

Ms McLaren added: “We are proud to have delivered stunning homes to the people of Inverness for generations – now we are equally happy to help new families put down roots in the area.”

Bank of Scotland releases Inverness House figures

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Four Calgary Flames legends await Johnny Gaudreau in 600 point club – Flamesnation


Calgary Flames forward Johnny Gaudreau has had a terrific season, recently surpassing 100 points for the first time in his career. This season is just one part of a tremendous career he’s had with the Flames since making his debut in 2014, and his consistent offensive performances put him on the verge of reaching 600 career points.

Four franchise greats await him in the 600-point club.

Al MacInnis

The pride of quaint Inverness, Nova Scotia, MacInnis was a first-round pick (15th overall) in the 1981 NHL Entry Draft after a strong run in the Ontario Hockey League. He immediately turned professional and went on to a superb NHL career, winning a Stanley and Conn Smythe Cup in 1989, a Norris Trophy in 1999 and being inducted into the Hockey Hall of Fame in 2007.

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MacInnis has been a very consistent blue line scorer with the Flames. He scored 600 points in just 601 games, reaching 600 on March 16, 1991 with an assist on a power-play goal by Joe Nieuwendyk (Gary Suter had the secondary assist).

MacInnis’ first 600 points included 150 goals and 450 assists. 242 points were tied, 348 power play and 10 shorthanded. He amassed 822 points before his time with the Flames ended in a trade to St. Louis.

Joe Nieuwendyk

A good boy Ontario from Oshawa, Nieuwendyk played with Cornell University and was Calgary’s second-round pick in 1985. He turned pro in 1986 and began a decorated NHL career that saw him win the Calder Trophy (1987), the Conn Smythe Trophy (1999) and three Stanley Cups (1989, 1999 and 2003). He was inducted into the Hockey Hall of Fame in 2011.

Around here, Nieuwendyk may be best remembered for being traded to the Dallas Stars for a new WHL star named Jarome Iginla. But before Nieuwendyk was traded, he had one hell of a run with the Flames, scoring 600 points in just 564 games. His 600th point was a goal on March 28, 1995, assisted by fellow eventual Hall of Famer Phil Housley.

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Nieuwendyk’s first 600 points included 306 goals and 294 assists. 358 points were tied, 229 power play and 13 shorthanded. He had just 16 more points, finishing with 616 when traded to Dallas.

Theo Fleury

Notable in the WHL with the Moose Jaw Warriors, Fleury was an eighth-round pick in 1987 primarily selected to be a potential draw for the Flames minor league team. Instead, Fleury ended up becoming the franchise’s defining star of the 1990s.

Although he never won a major individual award, he won the Cup in 1989 and was The Guy for the Flames until his departure in 1999. He reached 600 points in just 555 NHL games, reaching this heading with a secondary assist on a Gary Roberts. power-play goal on March 12, 1996 (German Titov got the main assist).

Fleury’s first 600 points included 269 goals and 333 assists. 364 points were tied, 212 power play and 24 shorthanded. Fleury eventually passed MacInnis for the franchise lead in points, amassing 830 points at the time of his trade to Colorado.

Jarome Iginla

Originally drafted by Dallas in 1995 out of the WHL, Iginla was traded to the Flames for Nieuwendyk, turned pro in the 1996 Stanley Cup Playoffs and ended up having one of the best careers in hockey’s decades. He won everything but the Stanley Cup, including a scoring title (2002), and he was a first-round Hall of Famer in 2020.

As Flame, Iginla was a defining player of the 2000s, just like Fleury was the defining player of the 1990s. He scored goals, had dramatic fights, and was the guy who gave the team what it needed to win key matches. His 600th point came in his 734 game — thank you, Dead Puck Era — and was a power-play goal Iginla scored on Dec. 7, 2006, assisted by Daymond Langkow and Dion Phaneuf.

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Iginla’s first 600 points included 300 goals and 300 assists. 380 points were tied, 198 power play and 22 shorthanded. Iginla passed Fleury for the lead in franchise points, ending up with 1,095 by the time he left for Pittsburgh.

Johnny Gaudreau

Selected in the fourth round of the Dubuque Fighting Saints of the USHL in 2011, Gaudreau became an NCAA star and then an NHL star. He only needs five more points to reach 600 with the Flames. As of this writing, he has 595 points in 593 games.

Two things stand out about Gaudreau’s production: he has zero shorthanded points and he has an impressive 427 evenly-strength points so far. The next closest member of the 600-point club, Iginla, is 47 evenly matched points behind Gaudreau. This speaks to Gaudreau’s productivity without the high offensive level that is the power play.

When do you think Gaudreau will reach 600 points this season? Do you have a favorite goal from Gaudreau or an assist from his previous 595? Let us know in the comments!

Looking to improve your fantasy hockey game? DailyFaceoff has the tools you need for daily and season-long fantasy leagues, including a lineup optimizer, daily screenings, and more. Sign up for DailyFaceoff tools here.

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Coll Donaldson will give his all in Dunfermline relegation battle


Coll Donaldson will give his all in Dunfermline relegation battle

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Public opinions sought on Cullen housing development plan


PLANS for the construction of 56 homes in Cullen were presented at a public consultation session in the town.

Kenny Shand, Senior Planning Consultant at GH Johnston, presents some of the proposals for the new Cullen housing development. Photo: Daniel Forsyth

Last Monday at the Seafield Arms Hotel, representatives from architects GH Johnston and developers Morlich Homes were on hand to present initial proposals for a 3.4 hectare site just off Seafield Road towards Cullen.

It is envisaged that the site would contain a mix of accommodation, a pocket park plus a crossing point on the west side of Seafield Road providing a link to Cullen Primary School.

GH Johnston’s senior planning consultant, Kenny Shand, said: “We are still in the very early stages of the proposals.

“We have already submitted a proposal for a notice of candidacy to Moray Council and the purpose of today’s consultation is to hear local views.

“At the moment we have up to 55 homes being built in phases, comprising two, three and four bedroom properties. There would also be an affordable home element of up to around 15 homes if the full development is completed. built.

“There hasn’t been a lot of housing development in Cullen over the years, what there has been has tended to be on a smaller scale, and we think there’s a demand for that type of project now, especially due to the pressures caused by houses being sold as vacation homes.

“The development of the construction phases would be driven by market demand.

“It is an ideal family location. Sustainability is at the heart of this development and I hope it will help maintain the role of the local primary school.

“In terms of amenities, including play areas, these requirements would be assessed at each phase of development. The Scottish Government is encouraging planners to aim for 20 minute communities, but due to the size of Cullen this is essentially already one, with most towns reachable within a 20 minute walk. What we envision with this development are communities five and 10 minutes away.

“All this adds to the sustainability of the development.”

An aerial view of the proposed development site.  Photo: GH Johnston
An aerial view of the proposed development site. Photo: GH Johnston

Mr Shand added that the next step following the consultation would see the proposals, including changes driven by public comment, submitted to the planning committee.

Details of the proposals to date, including two videos, can be viewed at https://www.ghjohnston.co.uk/planning/community-engagement-2/

Information can also be obtained by emailing [email protected] or [email protected]

You can also write to GH Johnston Building Consultants Ltd at Willow House, Stoneyfield Business Park, Inverness, IV2 7PA or telephone (01463) 237229.

Opinions and suggestions regarding the development can be submitted via an online feedback form or an offline form can be printed and returned to GH Johnston at the above address. Comments can also be sent to the email addresses above.

Comments must be submitted by Monday, April 18.

It was emphasized that comments submitted during the consultation do not constitute representations to Moray Council regarding the proposal.

Two local councilors – Donald Gatt and Laura Powell – have already spoken about the proposal.

Councilor Gatt said: “I have no problem with the 55 houses.

“That would generally be welcome in Cullen.

“My concern for Seafield Road is that there seems to be an endless problem with speeding complaints.”

There have been calls to reduce the speed limit between Cullen and the junction with Councilor Powell’s B9018 road.

“I would like the 40mph section removed and the speed limit reduced to 30mph until it reaches the junction with Keith Road.

“This will reduce the speed of traffic entering and leaving Cullen.

“There will be an affordable housing element to this which is very much needed.

“Some of the lower priced properties in Cullen are being sold as vacation homes, and I hope the affordable units are completed earlier in the development rather than left to finish.”

Cullen and Deskford Community Council will also be invited to comment on the proposal.

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The Best Restaurants for Easter Brunch in Denver


Head to one of these hip spots for an epic Easter brunch on Sunday, April 17. From grand buffets to breakfast staples with a Colorado twist to fresh seafood platters, it’s time to have the biggest, brightest, and heartiest meal of the season. Make a reservation at one of these fifteen restaurants, bring the family or bunny hop solo. You may even find an Easter egg or two on the menu.

Area per stem ciders
1380 Horizon Avenue, Lafayette

Brunch on one of the best patios around by making a reservation for Acreage’s Easter. The restaurant opens at 11:30 a.m. and offers a freshly spring menu with plates of crunchy green salads, roast lamb, pan-fried salmon and beautiful charcuterie boards. Plus, Easter sangria is on the menu, which seems like the perfect thing to blow your mind.

Click to enlarge

Apple Blossom’s spring frame is perfect for Easter brunch.

Nicole Rezner

apple blossom
822 18th street

If dishes like savory lamb shank with horseradish cream and fries, lemon French toast, or buttermilk panna cotta with strawberry and rhubarb compote are your thing, reserve a spot at chef Paul’s downtown restaurant C.Reilly. A two-course menu is offered for Easter Brunch at $34 per person and runs from 8 a.m. to 2 p.m. Add hot rolls and/or a platter of fresh shellfish and a glass of wine to complete the feast.

1817 Central Street

Dining at The Bindery in LoHi is something special in itself, but this Easter, chef Linda Hampsten Fox makes her restaurant sing for spring. Meals can be ordered ahead (family portions are available) or enjoyed inside the airy space. Options include duck hash with poached eggs, carrot and ginger waffles, salmon with pastrami, and deep leek, onion and Gruyere cheese quiche. The bakery also offers many treats such as Italian Easter brioche, eclairs, rhubarb and rose tea cakes, tartlets and Italian carrot cake with lime marscapone glaze. Place pre-orders by Thursday, April 12 at noon or make an Easter reservation now.

Click to enlarge The Bistro Vendôme is organizing a special Easter brunch.  -JONI SCHRANTZ

The Bistro Vendôme is organizing a special Easter brunch.

Joni Schrantz

Bistro Vendome
1420 Larimer Street

Savor an Easter brunch on the terraces of this French restaurant in Larimer Square. From 9:00 a.m. to 2:30 p.m., chef Ariana Didziulis will concoct specialties such as cold carrot and turmeric bisque, veal blanquette in a light cream sauce and carrot French toast with a cream cheese glaze. cream. The regular brunch menu is also available. Reservation recommended, bunny ears optional.

Click to enlarge Easter Brunch at Citizen Rail has so many good things to offer!  - CITIZEN RAILWAY

Easter Brunch at Citizen Rail has so many good things to offer!

Railway citizen

Railway citizen
1899 16th Street Mall

From 8:00 a.m. to 1:00 p.m., head downtown to Hotel Born for an array of culinary delights. Chef Christian Graves offers many breakfast meats, Benedict smoked salmon, chilaquiles, browned potatoes, pastries, sourdough French toast and more. There are also three gourmet stations offering charcuterie, prime rib, and omelettes to choose from. Make a reservation to ensure a spot; it’s $65 per adult and $35 for children twelve and under.

GC Lounge
1210 17th Avenue East

Who said only children can have fun at Easter? Take the family to this Uptown golf course and play eighteen holes on the TrackMan simulators before or after a great meal by Chef Toby Prout. Tee time starts at 8 a.m. with burritos, sandwiches, crab cakes, and avocado toast. If you want a game later, go for Easter lunch and order the Twelve Hour Braised Prime Rib, Lamb Meatloaf or a Poached Shrimp Roll.

Click to enlarge Uptown & Humboldt's Spanish-French Toast at Grange Hall.  - KYLE BIANCHI PHOTOGRAPHY

Uptown & Humboldt’s Spanish-French Toast at Grange Hall.

Kyle Bianchi Photography

Barn room
6575 Greenwood Plaza Blvd., Greenwood Village

Why choose just one meal when you can go to a whole food hall full of options? Kids and adults alike can enjoy Chef Troy Guard’s HashTAG pop-up waffle bar, Spanish-French toast from Uptown & Humboldt, chilaquiles from Xatrucho, and wood-fired pizza with green chili, bacon and eggs from Tilford’s. Adults can enjoy the Mimosa mix-and-match bar and the build-your-own Bloody Mary bar. Plus, there’s egg decorating and crafts for kids. Join the party from 10:30 a.m. to 2 p.m.

Click to enlarge For an epic Easter brunch, head to the Hilton in Inverness.  - HILTON DENVER INVERNESS

For an epic Easter brunch, head to the Hilton in Inverness.

Hilton Denver Inverness

Hilton Denver Inverness
200 Inverness Drive West, Englewood

Make Easter extra special with the newly relaunched Sunday Brunch at this Englewood hotel — you don’t even have to be a guest to enjoy it. From the moment you enter, start figuring out which station to hit first. There’s a slew of seafood, including crab legs, oysters, sushi, and smoked fish, plus prime rib, omelette, and macaroni and cheese making stations with all kinds of appetizers. ‘accessories. Also look for salads, classic brunch dishes, charcuterie, and a dessert corner so spectacular you might want to ditch all salty foods. Prices start at $109 for adults. It’s $47 for kids six to twelve, and kids five and under are free. The meal starts at 9:00 a.m. until 1:00 p.m., and yes, you can add bottomless mimosas.

Jill’s Restaurant at St. Julien Hotel & Spa
900 Walnut Street, Boulder

Hike to Boulder and enjoy an elegant Easter Sunday at Jill’s Restaurant inside the St. Julien Hotel & Spa. The brunch has two seats, from 10:30 a.m. to 11:00 a.m. and from 12:45 p.m. to 1:15 p.m. price as you wish. This includes homemade pastries, Belgian waffles, biscuits with sauce, Alaskan crab legs, shrimp cocktail, Easter ham, lamb and much more. As a bonus, children can participate in an egg hunt led by the Easter Bunny at 11:45 a.m. and 2 p.m. Call the restaurant to make a reservation for this special holiday extravaganza.

Click to enlarge Dine out at Easter at Le French.  - FRENCH

Dine out at Easter at Le French.


The French Bakery & Cafe
4901 Newport Street South

Enjoy plates of pork belly Benedict, steak and eggs, creme brulee and mouth-watering pancakes at this Tech Center restaurant. As well as the special Easter menu, the bakery and cafe will serve the usual French dishes, including a buttered leek omelette, croque madame and herbed mushroom toast. Celebrate the holidays with a Basil Smash or Fleur de Gin cocktail, or opt for a classic glass of champagne. Brunch reservations are available from 8 a.m. to 2:30 p.m. and can be made online.

Click to enlarge Try the smoked salmon bruschetta at Le Roux.  - LEROUX DENVER

Try the smoked salmon bruschetta at Le Roux.

LeRoux Denver

1510 16th street

Take Easter brunch to new heights with LeRoux’s special four-course prix fixe menu. For $60 per person, choose from spring onion pie, smoked salmon bruschetta, roast leg of lamb, honey-glazed ham, hot crossbreads, carrot cake and more. Brunch at this downtown bistro is offered from 10 a.m. to 3 p.m. and reservations are recommended.

Stoic and authentic
1701 Wynkoop Street

Make a reservation for Easter brunch between 10 a.m. and 3 p.m. at chef Jennifer Jasinski’s downtown seafood restaurant. Treat yourself to chicken and waffles with tangy honey sauce, seared trout with pork belly and fried eggs, and crab cake Benedict. Yes, there will also be plenty of oysters on the half shell. As a bonus, if the weather is nice, you can enjoy the meal outdoors.

Sunday Vinyl
1803 16th street

For $60 per person, make Easter memorable with a special multi-course menu from Chef Charlie Brooks. The meal is served family-style and includes sweet and savory pastries, roast leg of lamb, mustard-glazed ham, smoked salmon toast, grilled asparagus, potatoes au gratin with Gruyère and more. In addition, many brunch cocktails and an excellent wine list will be available. Feel free to ask the sommelier on duty what goes best with chocolate bunnies and candy.

Lomo saltado hash is on the Easter brunch menu at Toro.  -TORO

Lomo saltado hash is on the Easter brunch menu at Toro.


150 Clayton Lane

Head to Cherry Creek North for a bottomless brunch. Each guest pays $49 and can eat and drink as much as they want, from a selection that includes Colorado bison tenderloin anticucho, Belgian waffles, ceviche amarillo, eggs Benedict, and a succulent lomo saltado hash. As for drinks, choose from mimosas, Bloody Marys and margaritas. If you want to skip the drinks, the meal is only $30 per person. Book between 10:30 a.m. and 3 p.m.

urban farmer
1659 Wazee Street

Celebrate Easter with one of LoDo’s best buffets. From 10 a.m. to 3 p.m., for $70 per person ($35 for children 10 and under), the restaurant will offer a fantastic feast on Easter Sunday. Think eggs Benedict, avocado toast, cauliflower steak, prime rib with horseradish cream, deviled eggs, cheese spread, oysters and more. Add Bottomless Mimosas and Bloody Marys for an additional $20.

The Flowery: Florida’s only family-friendly marijuana dispensary is in Miami-Dade


Nestled amid the rolling farmland of Homestead, the heart of Miami’s thriving cannabis growing scene, is a massive facility where, at any one time, approximately 20,000 marijuana plants are growing. Think Willy Wonka’s factory, only with weed.

The approximately 100,000 square foot building houses nearly 30 cannabis propagation and grow rooms of various sizes, as well as a few areas dedicated to extractions, hash processing, and packaging. The facility is run by Flowery, a family-owned medical marijuana company in Miami.

The Flowery is one of 22 vertically integrated medical marijuana operators in Florida, which means it handles all aspects of the cannabis process, from seed to sale, as required by the vertical integration rule of the state. Like new times previously reported, this law has often led to the formation of cannabis oligopolies, in which a small number of large corporations control the cannabis market and leave little room for smaller companies.

That’s why the Flowery has won accolades in Florida. Although the small business has grown rapidly over the past few years – from a single employee to around 60, and from a 6,000 square foot indoor climate-controlled facility to more than 15 times that size – it has managed to keep his roots in mind. The company continues to hand-deliver products including marijuana flower, pre-rolls and kief to patients’ homes across the state, from northeast Florida to the Keys. The company prides itself on producing high quality products locally and not relying on support from large corporations.

But as the years have passed and cannabis giants like Trulieve and Surterra Wellness have expanded across the state, a number of CBD and medical marijuana companies in South Florida have bowed to pressure. businesses or have closed. Over the past two years, at least four small businesses in Miami-Dade and Broward –– Lav CBD, HempXtra, Green Treets CBD and Dr. Stern’s CBD –– have closed. During this time, Trulieve grew from three to 12 dispensaries, Curaleaf from one to seven dispensaries, and Liberty Health Sciences from one to five dispensaries.

“If he could have used medical marijuana, we think we would still have him here today.”

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In order to compete with the major players in Florida’s multi-billion dollar cannabis industry, the Flowery began to stray from its small-scale roots. Over the past few months, the company has hired at least 40 new employees, moved to a larger grow facility to manage its operations, and hired a handful of top industry executives — all of whom previously oversaw the company’s operations. cannabis company One Plant, sold last year to Cresco Labs for $213 million.

In a recent interview, Flowery’s new COO, Mike Smuts, and Chief Innovation Officer, Matti Marshak, told new times that although the company is growing at a rapid pace – there are plans to open four new clinics and hire 100 more staff in the coming years – it is focused on preserving what Smuts calls its “family atmosphere “.

“We are really growing in terms of organization,” says Smuts.

Click to enlarge

Cloning bench at Flowery

Photo courtesy of Flowery

Flowery’s business office is located in a converted warehouse on NW 24th Street in Miami’s Wynwood neighborhood that features a mural of a flamingo painted on its storefront. It’s there that new times met Sabina Osman, the company’s sales and marketing coordinator and its very first employee.

“I started out helping with compliance and a lot of licensing with the Department of Health,” Osman shares. “You basically have to communicate with the Department of Health about everything – it’s so highly regulated.”

Until 2016, when Floridians voted to legalize medical cannabis, state law required medical marijuana growers to have at least 30 years of experience in the nursery industry. So the Flowery teamed up with former Virginia Gardens police chief Steve Garrison, owner of Bill’s Nursery, a longtime almond farm in Homestead, to launch his operation.

Garrison had been inspired to break into the medical marijuana industry after his son Matthew suffered a brain injury during the war in Iraq. In January 2017, while Garrison persisted in his years-long effort to obtain a state license to grow medical marijuana, his son died from an overdose of his sleeping pills. (The cause of death was ruled heart failure.) When the state failed to issue ten new container grow licenses by October 2017, as it had promised, Bill’s Nursery sued in justice in federal court. Garrisons have long maintained that medical cannabis could have helped their son.

“The VA [U.S. Department of Veterans Affairs] stuffed him with pharmaceuticals,” Steve Garrison said. new times. “If he could have used medical marijuana, we think we would still have him here today.”

Finally, in 2019, the family was licensed by the Florida Medical Marijuana Treatment Center through a settlement agreement. Osman recalls receiving news of the approved license on April 19, 2019 – just hours away from the 4/20 celebrations.

“They [state officials] laughed at us,” she jokes.

The Flowery has since grown from a small-scale operation where Osman herself delivered medical marijuana to customers, to an outfit run by some of the industry’s most prominent marijuana executives. None of that has changed the spirit of the business, says Garrison, who at 77 still visits the facility almost daily; his three surviving children and two grandchildren are active in the daily operations of the Flowery.

“Everybody sold out to the Canadians,” says Garrison new times, referring to the number of Canadian-based companies that have obtained medical marijuana licenses in Florida. “We got offers, but it would be terribly hypocritical if we took the money and ran. We said we were doing this because it’s the right thing to do and to help people. We took on investors because that we have no choice – DOH burdens [Florida Department of Health] puts on you are serious. We’ve been bleeding money for the last six or seven years. Ultimately it will be a lucrative operation, but we are proud to be able to ease the pain and suffering.”

Asked about the prospect of becoming the next Trulieve or Curaleaf, Flowery’s managing director, Elad Kohen, exclaims “Hell no! We’re doing everything we can to be the exact opposite.”

Click to enlarge The Flowery's cloning room (left) and indoor growing facility (right) - PHOTO COURTESY OF FLOWERY

Flowery’s cloning room (left) and indoor grow facility (right)

Photo courtesy of Flowery

The Flowery is on track to open its first brick-and-mortar dispensary in June, in a converted bank in the middle of what Smuts calls Miami’s “Green Mile” on Biscayne Boulevard – a stretch between NE 105th and NE 125th in North Miami which has a number of medical marijuana dispensaries. An “Opening Soon” banner is draped over the entrance doors to the store, located across from the popular Steve’s Pizza restaurant. Smuts says the company intends to convert the old bank’s drive-thru ATM lanes to a drive-thru order-and-pick-up service.

Medical patients with a Florida medical marijuana card can expect a “high-end” experience at the dispensary, which will be decked out in colorful neon lights. The store will have a garden, a large claw machine, self-ordering kiosks, and even a speakeasy-like experience where customers can enter through a secret door in a phone booth to find “hidden goods.” Weed offerings, such as flowers and kief, will be displayed on wooden tables and presented on plasma TV screens.

“I don’t know if you’ve ever been to a Surterra or something,” Marshak says, referring to the sanitized, fluorescent vibe of the rival chain’s dispensaries. “But think exactly the opposite.”

“We got offers, but it would be terribly hypocritical if we took the money and ran away.”

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Over the next two years, the Flowery plans to open at least four additional dispensaries across Florida, in Inverness, Clearwater, Ocala and Venice. The company is also working on a partnership with West Coast cannabis brands such as 710 LABS, Backpack Boyz and Packwoods.

Despite the accelerated growth, Flowery’s leaders are keen to stay true to their roots. Smuts goes so far as to compare the Flowery company to David in the biblical tale of David and Goliath, noting that they are already far from industry underdogs.

The mindset, he says, has always prioritized quality over quantity, and they continue to work to create better flowers, new flavors, and to add products like edibles and meat to their menu. solvent-free hash.

When asked what will differentiate the Flowery from its competitors, he doesn’t hesitate.

“Our product will speak for itself,” he says. “The pot will be different.”

Three-digit interest rates could be banned similar to payday lenders law


LOUISVILLE, Ky. (WAVE) – Kentucky law allows triple-digit interest rates on certain loans. The logic of the 1960s law was simple. Consumers have the option of paying the price in cash or the price on credit, but the price on credit can more than double the total bill.

When Big O Tires applied for a loan on Debbie Pollock’s behalf from EasyPay Finance, she unknowingly accepted a 164% APR loan. She contacted WAVE repairers to find out how this rate could be legal, and she is not the only one.

“If I had known I was paying $1,100 for $500 tires, I never would have,” Crystal Hall said.

Hall said she bought four new tires and an oil change at the Big O Tires location that burned down in 2020. She owed $536 and instead of maxing out her Big O Tires card, she decided to opt for EasyPay Finance.

“I thought I would go through EasyPay because I thought it would be easy,” Hall said.

She said she planned to pay her $536 bill in installments. However, when the money was withdrawn from her checking account, she was paying $95 per month. Her then-husband calculated that she would pay a total of $1,135 – 168% APR to be exact.

“Over 100% APR for this,” Hall said. “It’s ridiculous. It was not explained to me at all when buying these tyres. I feel very taken advantage of.

“That seems very high,” Kentucky House Banking Committee Chairman Bart Rowland said. “It’s a question that is new to me, surprisingly five terms, ten years of parliament, it’s the first time.”

When lawmakers passed the current law in 1962, a University of Kentucky law professor suggested going further and including an interest rate cap, as is done in six other states.

“Presumably the sky is always the limit,” Charles Whitehead wrote at the time, and it still is. Kentucky caps interest at 36% for certain loans, but installment loans have no cap. Rowland said lawmakers could consider other Kentucky laws as a starting point.

“These are always complicated issues when they arise, but you can look at what’s been done with consumer loans, payday loans, that’s a good place to start,” Rowland said.

The Legislature ends its session for this year, but consumers like Pollock and Hall want to see something happen.

“I had a limited income at that time,” Hall said. “We were counting pennies just to buy.”

Crystal’s $1,100 tires won’t do her any good either. She said she had a wreck on I-65 in March and her car was now seized, tires and all, waiting to be auctioned or scrapped.

WAVE contacted Big O Tire’s parent company about these high-interest loans. A spokesperson wrote:

“Big O Tires, LLC is a franchisor and does not own or operate Big O locations except on rare occasions. However, Big O cares about every customer served by a franchisee. A typical franchisee offers several financing options for ensuring it can help all customers, regardless of income or credit status, with their automotive needs.EasyPay Finance is a source of finance that some franchisees choose to make available to their customers.EasyPay Finance has a strong reputation in the credit finance industry and has demonstrated a commitment to transparency and full disclosure with its customers in its business practices.

We cannot speak in detail about how each of the 466 Big O sites disseminates information; however, Big O understands that all details of EasyPay Finance are disclosed to those who decide to use the product prior to loan acceptance and that any process used complies with all laws, including the Truth in Lending Act. Big O also expects its franchisees to ensure that their employees follow all laws, have a customer-first mentality, and are open and honest in all dealings, including EasyPay Finance options. Big O will have their operations team investigate this matter and we thank you for bringing this to our attention.

Copyright 2022 WAVE. All rights reserved.

North Coast 500 narrowly misses out on being named the UK’s top summer touring pick

The North Coast 500’s low traffic density helped it rank ninth out of 40 road trips for traffic safety.

The North Coast 500 has been thrust into first place in a poll to find the UK’s best touring route for the summer – despite its huge international following on social media.

The 516-mile circuit, which starts and ends in Inverness and en route features some of the most spectacular scenery in Ross-shire, Caithness and Sutherland, was also judged to have the most tourist attractions among the best routes driving in the UK – 286 – but was boosted to second place by the 95-mile trip up the Jurassic Coast in the English West Country.

The study, which was conducted on behalf of auto finance and loan specialist Moneybarn, looked at factors such as TripAdvisor’s top 40 routes and reviews, crash data, social media stats, hours of sunshine and tourist attractions.

The Dorset and Devon Jurassic Coast emerged the best trip in the study with a score of 8.69 out of 10, scoring the highest for Instagram and TikTok views, Google searches and sunshine, with 225 hours of sunshine. sunshine during the sunniest month.

The NC500 wasn’t far behind with a 7.68 rating.

Dunrobin Castle - one of 286 North Coast <a class=500 attractions.” data-root=”/_media/img/” data-path=”LWVB4WRGBTOHKBE1X5YZ.jpg” data-ar=”1.50″/>
Dunrobin Castle – one of 286 North Coast 500 attractions.

Summarizing its appeal, the Moneybarn research report states: “You will never be short of things to do or places to see. The local authority also reported 215 crashes on local roads in 2020, so you can be sure that you are safe on such a long drive.

“Regarded as one of the most beautiful road trips in the world, the North Coast 500 is full of stunning coastal scenery, white sandy beaches and rugged mountains, which offer you a trip to remember. Located at the very top of Scotland, one of the few things that lets the NC500 down is the lack of sunshine, with just 178 hours in its sunniest month, May.”

The NC500 was one of two Scottish routes to score in the top five in the Moneybarn study, with the West Highlands to the Islands route slipping in just fifth with a 5.60 rating.

Wales and Cumbria were also in the top five with Horseshoe Pass (6.07) coming in third and Wynrose Pass coming in fourth (5.89).

The full breakdown of the study can be viewed at www.moneybarn.com/road-trip-recommendations/

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Golspie’s dramatic day rang with the sound of battle


Ahead of the commemorations of the Battle of Littleferry which will take place in Golspie on April 15, Patrick Marriott gives this gripping account of the 1746 clash.

The weather at the end of March 1746 was shockingly cold, sleet showers and a cutting wind. The weather was not good for the soldier.

Cromartie’s regiment of Jacobites had occupied Dunrobin Castle on 20 March. They were maybe around 300 to 500 men and accompanied by other groups of men, but they were all tired and morale was not high.

The memorial stone for the battle will be officially unveiled on April 15.

The 3rd Earl of Cromartie was not a natural leader and his officers, largely Mackenzie, had limited military experience. Many simply wanted to go home.

They had been accompanied north by the Duke of Perth’s regiment but departed south on 22 March, leaving Prince Charles’ northern flank secured by the Earl of Cromartie’s forces alone.

For the government, and facing the Cromartie regiment, were six companies of government forces: two companies of reservists and four companies of militia. They had taken the hills.

The former had some experience and training, but the latter, brought up and loyal to the 17th Earl of Sutherland, had almost none. There was a great deal of uncertainty between the companies, although they were all clear that their mission was to guard the Cromartie Regiment in the north.

Between late March and mid-April Cromartie’s regiment searched the government companies and there were occasional skirmishes. Between 24 and 26 March the Battle of Tongue took place and a Jacobite ship was taken in the Kyle of Tongue by HMS Sheerness and the two companies of reservists.

The tempers on both sides became more and more frayed. Jacobites grew increasingly frustrated when attempts to negotiate with the disparate businesses failed. Some houses were set on fire, livestock were taken and patrols exchanged gunfire.

The scattered companies of government militia were supplied by careful subterfuge, including, apparently, by ladies bringing them ammunition “under their hoop petticoats”.

Three militia companies were loosely grouped around Rogart, Lairg and Strath Brora. A company of militia headed north and missed the Battle of Littleferry. The two companies of reservists also remained in the north, although a number of officers and men came to the south, adding much-needed leadership and military skills.

Critically, the three militia companies that will fight at Littleferry have developed a superb network of spies. Locally raised, they were in friendly territory. There was little the Jacobites could do that the militia did not quickly learn.

Around April 14, Prince Charles ordered his regiments back to Inverness. The Duke of Cumberland and his army were advancing north and it was clear that battle was about to begin.

Elements of Cromartie’s force left and it was decided to head south at dawn on 15 April. This information soon reached the militia in the hills and a ‘council’ was held on the evening of 14 April at the head of Loch Brora.

A few were on their way home, but messages arrived overnight saying it was now or never for an attack. Runners were sent out with orders to assemble the men with or without their arms, and the order was given to march at dawn (Miss Kathleen Lyon – unpublished notes).

A simple plan has been drawn up. ‘Golspie’ Company would attack Cromartie’s marching column from the rear near Dunrobin Castle, ‘Clyne’ Company and ‘Dornoch, Creich and Lairg’ Company would attack the column in the flank of the hills south of Golspie.

For reasons that may never become entirely clear, Cromartie sent the companies early on April 15, but held back the officers. It was a fatal mistake. An advance detachment of ‘Golspie’ Company ambushed near St Andrew’s Church at Golspie and the first shots of the Battle of Littleferry were fired.

Cromartie and his officers retreated to Dunrobin Castle where they were surrounded – critically they were now separated from their men.

But the shots were heard by some in the rear of Cromartie’s column and fighting developed between them and elements of ‘Golspie’ company which were increasingly reinforced by locals – some armed with scythes. An ongoing shootout has developed.

A few Jacobites tried unsuccessfully to flee in boats taken from shore at Fishertown, south of Golspie.

Soon enough Cromartie’s column, now fragmented and leaderless, began to descend the Ferry Road towards Littleferry – now perhaps as much to escape as to join Prince Charles.

On the hills above Culmailly, and overlooking the moor and Ferry Road, “Clyne” Company and “Dornoch, Creich and Lairg” Company were ready, but they were terribly outnumbered, tired and scared.

The two companies split into three “divisions” to make their strength appear larger than it actually was and a rapid advance began.

On Ferry Road there was growing confusion and it is likely that the new attacking force achieved an element of surprise. This was Littleferry’s “decisive act”.

Within minutes Cromartie’s regiment broke and fled towards Littleferry. There were fights all along Ferry Road. In Littleferry, it was chaos.

A brief stand was bravely made, however, and volleys were fired. Some sought to escape across the canal but most of them were cut down by fire or drowned before, outflanked and surrounded, the Jacobites surrendered.

That evening, by a clever ruse, the Earl of Cromartie was compelled to go to Dunrobin Castle.

Expresses were sent to Cromartie for Royal Navy ships to extract the nearly 180 prisoners. And, around the same time that Culloden’s first gunshots were fired on the afternoon of April 16, 1746, HMS Hawk arrived off Dunrobin Castle and the first Jacobite prisoners embarked. The following day, HMS Hound arrived, carrying the remaining prisoners to their desperate and tragic fate.

The Battle of Littleferry was over.

The first shots in the Battle of Littleferry, an ongoing fight, were fired near St Andrew's Church, Golspie.
The first shots in the Battle of Littleferry, an ongoing fight, were fired near St Andrew’s Church, Golspie.
An aerial view of Littleferry today.
An aerial view of Littleferry today.
Book The Battle of Littleferry written by Patrick Marriott.
Book The Battle of Littleferry written by Patrick Marriott.
Patrick Marriott is the instigator of the project to mark the battle.
Patrick Marriott is the instigator of the project to mark the battle.

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Norwich City: Billy Dodds on Reece McAlear speculation


5:00 p.m. April 9, 2022

Inverness boss Billy Dodds is unsurprised by interest from elsewhere in Norwich City loan export Reece McAlear.

The midfielder is out of contract with the Canaries this summer and, as we reported earlier this week, is attracting interest from Scottish and English clubs following his displays this season.

McAlear is focused on the task at hand with Inverness as they continue their efforts to consolidate their position in the play-off against Ayr earlier this afternoon.

It remains possible the 20-year-old could sign improved terms at Carrow Road, with the door not closed on a new deal at Norfolk.

Interest from the Scottish Premiership and Leagues One and Two in England has come as no surprise to current McAlear boss Dodds, who has praised his performances for Inverness this season.

“The boys let me know in practice (about the speculation) and were giving Reece a little stick,” Dodds told the Post and Journal.

“It doesn’t surprise me because he’s a good player and he’s been a revelation since he joined the team.

“That’s why I said I couldn’t believe he’s not in the Scotland Under-21 squad. I stand by it.

“He’s a boy who played first-team football and really took the opportunity. He should come into this Under-21 team.

“He scored goals and put in consistent performances. I was blown away by him, he is a very good player. Hopefully it will continue until the end of the season and maybe even beyond.

McAlear made his senior debut for Norwich in last season’s 1-1 draw with Coventry City before joining the Scottish Championship side on loan last summer.

In 23 appearances before Saturday’s match with Ayr, McAlear scored three times, registering four assists. But the consistency of his performances is what impressed his loan boss.

Dodds refused to question whether Inverness would add his name to Norwich’s list of midfield suitors, saying only that they would be respectful to their parent club.

“We have to realize he’s a Norwich player and we’ll deal with that when the time comes.”

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Tolls remind us of our past… and our future?

Stan Fraser and his Titanic Museum Inverness. Pictured: Gary Anthony. Picture No. 022629.

It is the 160th anniversary of the Highland Roads and Bridges Act which transferred responsibility for tolls and roads to new county councils.

It is also the 195th anniversary of Inverness’ original toll house, one of six erected around or near the market town at this time to tax travelers and use the revenue to maintain the roads.

Scotland’s first turnpike was on the new Edinburgh-North Queensferry road in 1715, but the lack of roads meant it took a century for the Highlands to appear.

Muirtown Toll House, on Clachnaharry Road, in whose garden there is a replica of the Titanic and other ships, remains a private residence. Similarly, Ardersier Toll House, backing onto the firth at the entrance to the village, is being refurbished and available for seasonal rental.

The others crumbled into ruins – or disappeared completely.

These are relics of toll roads, so named because a man wielding a sharp pike would deny you passage if you couldn’t pay this early form of road tax.

The Toll Act of Parliament 1823 sparked the building boom of thousands of toll houses, run by local toll road trusts. They were built with a projecting bay window, through which people could pay, and with height, so that the operator could spot incoming traffic in time.

There were annual auctions for the franchise to collect tolls, with bidders betting they could fetch far more than they paid.

There was resentment from local people because some roads had five toll points where payment was demanded, while others ran good distances without a levy.

Highland roads were little more than tracks for people and horses until the combined efforts of General Wade’s post-Culloden road building frenzy and Thomas Telford’s 1809 inquiry recommending new and better roads.

Seafield, home to the city’s main business park, was where Inverness’ first tollbooth opened in 1827, where travelers to and from Fort George and Nairn were surcharged. The mail coach between Nairn and Aberdeen only started in 1809 – before that a postman on horseback was the only communication!

The Muirtown Toll House arrived in the 1840s, and an 1878 report indicates that there was originally a chapel next to the building. In 1844, Raigmore Toll House raised a record £269, while Muirtown raised £162, Inverness-shire’s total that year being £1053.

But in 1857 the highest bidder for the right to run Muirtown coughed up £295, a new record for the Inverness area.

Some people will remember Stoneyfield Toll House, located across the firth on the old route east. It was still in one piece in 1969 when the new dual carriageway diverted the A96. Now, however, it is a ruin, with a standing gable wall with three windows upstairs and one below.

The rest of the building, the subject of a charming 1903 watercolor by Pierre Delavault, the Frenchman who taught art at the Royal Academy in Inverness, is unfortunately in rubble.

Drakies Toll House was demolished in the mid 1960s to make way for the entrance to Raigmore Hospital and local planners at the time deserve criticism for failing to preserve Drakies and Stoneyfield, part of our heritage.

If Muirtown Toll House becomes vacant, councilors must ensure it is not bulldozed…

There was a toll gate at Beauly and a toll house at Maryburgh while south of Inverness the toll house at Moy, demolished in 1873, is now a grassy mound.

The 1862 Act transferred the roads of the turnpike trusts, many of which were in debt and therefore did not have properly maintained surfaces, to the counties in which they were located. The likes of Inverness-shire County Council was created. Most tolls have been phased out. The Act authorized councils to appoint county surveyors and county road boards to survey roads.

The advent of the railways had hit toll receipts. Turnpike’s trustees had debts forgiven and a flat land and property tax – the first municipal tax – to meet road repair bills. The era of tolls has faded, leaving some local landmarks. Ironically, Transport Scotland is now considering reintroducing them to reduce our carbon footprint!

Sponsored by Ness Castle Lodges.

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Step 3. New regulations move away from payday loans and other major borrowing items


Step 3. New regulations move away from <a class="wpil_keyword_link " href="/2019/09/06/payday-loans-bad-credit-uk/" title="payday loans" data-wpil-keyword-link="linked">payday loans</a> and other major borrowing items

Essentially, we might be able to accept this survey with each of your own primary variables in our research. This is possible for the exploration parameters of traditional loan products, because the CCP investigation began in 2006, 2 years before the first condition rules changed. Unfortunately, discover only one trend out of the CPS survey before the county coverage changes, I guess here; which, we cannot play with these searches to spot the preperiodic way of AFS loan unit variables. I enrich the analysis by researching in a macroeconomic way one of the one or two categories of dits.

Unlike many other surveys that routinely establish reporting activities outside of banking choices, the new CPS only asks users about the means to access AFS, as well as their reasons for using these types of loans. form the bank

The results are actually on display during the back numbers and you will get 3 of them. In tariffs, procedures and you will control the form has been weighted people. The procedure class contains users staying among the many jurisdictions in which a payday loan law has changed during the window. this type of principle has indeed been observed. Figure 2A plots the new small fraction regarding users with bank card obligations, old personal credit card debt well known in studies, and you can delineate plots 2B of this new fraction holding a charge card, retail cards or user loans. personal mortgage debt. When you are users in control states, other people are less likely to hold old personal credit card debt than others inside processing claims, the new trend of borrowing from of the bank can be comparable. I and also see similar moves around cures and you can control unemployment claims (Outline 3A) and you can condition money per capita (Form 3B). Outline 2.

6.2.back. The Cash Advance Result Forbid Payday Loans Have Fun With

From the first stage of our own study, I outline how stricter payday loan laws apply to the payday loan game with in the United States where the laws are actually enacted. While you can expect the result to turn negative, media accounts or any other authors keep in mind that compliance with the guidelines is generally incomplete, which consumers might still be able to use online . Additionally, knowing the magnitude of your own cash advance improvement with was essential to assess and you will interpret almost every other show (men and women claimed here and elsewhere) regarding the effect of using the loans on pay for the other stages of consequences.

Office 6 gift ideas the results of its data by exploring the result of payday loan laws have fun with. Line 19 Step 1 offers a bare skeleton that has control over the time frame and will tell you whether or not the person’s condition prohibits the use of payday loans. With one of these limited control, the latest design suggests the need for payday loans is actually 2.cuatro low percentage problems in one claims to rule out the cash advance. The back line contributes to the fixed results of the area, as well as the guess reduces a bit. The design of the actual difference of variations in step 3 of the column includes the repaired results of the county instead of the repaired consequences of the region. That design cites a decrease in payday loans affordability payment facts. The cuatro column adds individual demographic characteristics on the design, in addition to the size of the new exclusion coefficient decreases a bit. Ultimately, because the cash advance game can be correlated to the stage of the business, it is important to manage regional economic climates. 20 Column 5 (preferred specifications) adds the regulation obtaining county unemployment and personal income for each inhabitant and own state population; With this most controls, the new projected sequel to the new exclusivity is a loss of 2.8% in payday loan area to explore, an 88% prevention in usage profile for states in which the new fund is actually in court. Through the needs, our design involves a huge loss of payday loan need following the new adoption regarding the county’s restrictive guidelines. 21

Inside the papers, we benefit from some current advances in knowing what matters. The first is the available choices of a different survey venue: the Federal Deposit Insurance Corporation’s (FDIC) new National Survey of Unbanked and Underbanked Home, a supplement to the current People’s Questionnaire (CPS). The new survey is the highest and you can be a member nationwide and contains detailed information on consumer borrowing from the bank. So I augmented the questionnaire with a study of old borrowings from the use of banking equipment under the federal financial layoff of the New York brand and Equifax. Then, many states have blocked the use of payday loan lately. Through a simple variation-difference design, we exploit this policy variation to analyze the end result regarding change when looking at consumer payday loan usage anywhere between states over the years.

Pawnshop funds are dollar short finance, however, unlike payday loan, pawnshop funds are secured by actual capital. A consumer provides the lender with tangible personal property, such as electronics or jewelry, and in return receives a cash loan based on the amount of collateral. The size of the new pawnshop mortgage is normally only a minority of the value of your most recent assessed property collateral, and this ensures that the funds borrowed are more than completely secure. 3 Since an effective pawnshop borrower is not required to show control of a bank account otherwise a frequent source of income, these funds are more open to a larger population than paycheck funding.

The latest empirical books on the link between payday loan use and online cash advance missouri you can be financial involves combined conclusions. Enough documents find evidence that you certainly have economic effects on accessibility cash advances. For example, Zinman (2010) finds evidence of damage to the monetary well-being of Oregonians after the state’s minimum paycheck credit. Similarly, Morse (2011) means that people are less likely to want to lose their house, so you can seize the property if they take out a payday loan.

Our article creates a drawing literature on this subject with associated studies nationwide, including information on the multiple forms of borrowing behavior that may plausibly be important substitutes for withdrawing payday cash. Specifically, our investigation captures AFS credit incorporated during individual height even though loans attempt to be acquired from multiple loan providers. Additionally, given what was revealed during Section 5, a useful function of your CPS data is that it consists of details of consumer motives for using AFS loans from banking elements, which will help make an even more nuanced look at the methods inside. what cash advance laws and regulations circumvent consumer borrowing from banking decisions.

Professionals who advertised the use of payday loans in previous seasons were asked why they decided to use these financings instead of a beneficial conventional bank loan. A similar test expected from pawnshop profiles. Additionally, consumers who said they had fun with AFS borrowing equipment at the start of the year were indeed asked why the mortgage was.

One method to examine this question is to determine the preperiodic trends in the few groups of claims. When we note that the need to borrow the AFS from the bank inside the early ages grows if not decreases with regards to therapeutic claims according to the new director, he might suggest that the modifications inside coverage are confounded with secular trends in AFS use. Although we cannot individually assess parallel style expectation on what the difference-in-differences framework depends on, observing extremely large variations in the last pre-processing style might recommend that the styles also differ by processing period.

Clachnacuddin loan star Robbie Thompson is aiming to strengthen at Inverness Caledonian Thistle after a season on loan at the Highland League club


Robbie Thompson will be hoping his season on loan at Clachnacuddin can be a step in the right direction to fulfill his ambition of breaking into the Inverness Caledonian Thistle first team.

Clach midfielder Robbie Thompson. Photo: Callum Mackay.

The 17-year-old midfielder has impressed for the Lilywhites in the Highland League this season, retaining a regular place in the first team.

While on loan at Merkinch, the former Inverness Royal Academy pupil also trained at Caley Thistle under the watchful eye of head coach Billy Dodds and his coaching staff.

Thompson says he learned a lot playing in the Highland League and thinks it will stand him in good stead when he returns to Caley Thistle at the end of the season.

“I normally train four times a week with Inverness Caledonian Thistle and then talk to the coaches.

“They came to see me several times at Clach and follow my progress.

“It’s good to be able to train with the first team and good quality players.

I would love to play for Caley Thistle because I’ve been in the youth system since I was eight years old.

“Being able to go to Clach and learn the game in the Highland League playing against men, I think is a good start.

“I hope if I keep playing well the manager will see that and if I keep working hard I think I can make the first team.”

Kieran Chalmers and Robbie Thompson.  Pictured: James Mackenzie.
Kieran Chalmers and Robbie Thompson. Pictured: James Mackenzie.

Thompson says training alongside first-team players, and especially those with top-level football experience, has been good for his own development.

“A lot of senior players have set good examples such as Kirk Broadfoot and Billy McKay and it’s good to see how they train and set the standard.

“It’s good to see that every day so close, even playing against them is such a challenge and it will help me develop playing against quality players who have such experience.”

Robbie Thompson in action for Fort William.  Pictured: James Mackenzie.
Robbie Thompson in action for Fort William. Pictured: James Mackenzie.

Clachnacuddin continues his Championship season against Huntly at Christie Park tomorrow and Thompson feels a first half final for the first time since 2013 is within reach.

“Our final position could still be eighth, if we get the results we need,” Thompson said.

“It would be a great season for us if we could finish eighth or ninth. It would be amazing to change the way things have been at Clach.

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Group of Grenfell survivors ‘speechless’ after ex-minister gets death toll wrong


A group of Grenfell Tower survivors have said they were ‘speechless’ after a former Cabinet minister misstated the number of people who died in the blaze while giving evidence to an inquest.

Lord Eric Pickles, who was Secretary of State at the Department for Communities and Local Government (DCLG) between 2010 and 2015, said 96 people died in the June 2017 tower fire while the exact number of victims was 72.

The politician, who was also chairman of the Conservative Party from 2009 to 2010, described the victims as ’96 unnamed people’ when he appeared before the inquiry into the west tower fire on Thursday from London.

Following his remarks, survivors’ group Grenfell United slammed him for what they called a ‘complete disregard’ for victims and called for his removal from government and the House of Lords.

Lord Eric Pickles made the mistake when giving evidence at the Grenfell Tower inquest on Thursday (Victoria Jones/PA)

“Eric Pickles’ lack of respect during the investigation left us speechless. How dare he call our loved ones we lost that night “the nameless 96″. 72 people died at Grenfell and none of them were anonymous,” the group said in a statement.

“His utter disregard for what happened and for those who are no longer with us is horrendous, given that he had the ability as housing minister to reform building security.”

The group added: ‘Eric Pickles must be removed from government and the Lords. Otherwise, the government continues to show the disregard it has always had for the safety of the people in this country.

The former MP for Brentwood and Ongar made the mistake at the end of his testimony by responding if there was anything he would have done differently.

Lord Pickles told the inquest: “My answer, the one which I obviously prepared because I had watched you do this and realized I was going to be asked – is entirely different from the one I am going to give. “

He referred to the coroner’s recommendations following the 2006 Lakanal house fire in Camberwell which killed six people and injured 20 others.

The first report of the Grenfell Inquiry revealed that the lessons of the Lakanal House fire had not been learned by the time of the Grenfell disaster eight years later.

Lord Pickles said: ‘What I was going to say is maybe I should have put in the letter the simple phrase ‘and I accept the coroner’s recommendations’ – would that have made a difference? ” he said.

The Grenfell United campaign group said it had stayed
Campaign group Grenfell United said they were left ‘speechless’ (Grenfell United/PA)

“And your diligence, and your choice of examples, made me think, I don’t think it would have made any difference, I think.

“There was a kind of mindset that existed in certain parts of the department that just ignored what was going on, got a picture of what we were, and got there.”

He said the inquiry should “never lose sight” that “this is not about deregulation”.

Instead, he said they were the “unnamed” victims of the Grenfell Tower fire.

“It goes to Michelle (Udoaka, who died in the Lakanal fire) and the 96 unnamed people who were killed in the Grenfell fire.

“They’re the ones we have to think about when we’re fighting over the draw.

“Ultimately, as I said earlier, the dead deserve the dignity of being remembered by name and the dead deserve the dignity of a solution.

“And I’m sure you will come to it.”

I’m sorry this interfered with your arrangements for today, but there were some things we needed to ask you.

Inquiry chairman Sir Martin Moore-Bick to Lord Pickles

Seventy-two victims of the Grenfell Tower fire have been named and counted.

Earlier on Thursday, the second and final day of giving evidence, Lord Pickles also appeared frustrated at the time the inquest was taking.

He told lead inquest counsel Richard Millett QC: “Of course sir, feel free to ask me as many questions as you like, but may I respectfully remind you that you promised that we would be away this morning and I have changed my hours to accommodate that.

“I have an extremely busy day.

“But this is more important than anything, but I urge you to use your time wisely.”

Mr Millett replied: “Okay… can I have my question answered please?”

However, at the end of his testimony in the afternoon, Lord Pickles thanked the inquiry for the “professional and courteous” way in which he was treated.

In return, Grenfell Inquiry chairman Sir Martin Moore-Bick thanked him for his time, adding: “I’m sorry this interfered with your arrangements for today, but there were things that we had to ask you.”

Harry jokes with ex-Sandhurst instructor during Invictus Games surprise call


The Duke of Sussex joked with one of his Sandhurst instructors, telling him she used to yell at him “so much”.

Harry surprised Invictus Games Team UK competitors with a video call as the members gathered for a final training camp before the event takes place in the Netherlands later this month.

The Duke founded the games to help rehabilitate injured or ill service members and veterans around the world, challenging them to compete in sporting events similar to the Paralympic Games.

After being delayed by the pandemic, the next edition of the international competition will take place in The Hague from April 16-22.

The room burst into laughter when Harry commented that the competitors had had two years to prepare for the games and therefore fitness should not be an issue.

“You realize that nobody, not just you, nobody has an excuse not to be in good shape now,” he joked.

Harry also inquired about former Royal Army Physical Training Corps instructor Vic Wales, who was on the teaching staff when he was a cadet at Sandhurst.

The Duke of Sussex founded the games to help rehabilitate injured or ill servicemen and veterans around the world (Theo Cohen/Help for Heroes/PA)

“Is my PTI from Sandhurst here somewhere?” Harry asked, before spotting her and exclaiming, “Here she is.”

He said: “I can’t believe after how many years, 15 years, our paths are about to cross again.

“You were yelling at me so much.”

Harry seemed to be told he needed it, as he then said, “I needed it. Yeah cool. It’s also pretty fair.

Ms Wales, 44, from Newcastle, competes in five events: rowing, cycling, archery, powerlifting and athletics.

The British squad during their final training camp (Theo Cohen/Help for Heroes/PA)
The British squad during their final training camp (Theo Cohen/Help for Heroes/PA)

She broke her back in a training accident 11 years ago and was discharged on medical grounds.

Giving a team talk to the competitors, Harry said: “For a lot of you already, as far as I’m concerned, you’ve already won gold just by getting to this point.

“The fact that you’re sitting there now wearing this band and being able to wear the Union Jack on your arm again means so much to each and every one of you.”

Britain’s team captain Rachel Williamson, a 33-year-old RAF veteran from Rutland, Leicestershire, told Harry on the call, which took place on Saturday: “It’s been a very long journey for get here, but what an incredible team to do it with.

“We’ve been through some ups and downs with the pandemic, and I know as soon as we all get there, it’s going to be just amazing to just watch the team and see how far we’ve actually come. It will be really special.

Harry inquired about former Royal Army Physical Training Corps instructor Vic Wales (Theo Cohen/Help for Heroes/PA)
Harry inquired about former Royal Army Physical Training Corps instructor Vic Wales (Theo Cohen/Help for Heroes/PA)

Afterwards, she said: “The call was such a surprise, but it was amazing to see Prince Harry again.

“I absolutely loved it, it was like talking to another member of the Invictus family.

“He just says the right things. The main thing he said was “yes, you lost your uniform, but now you can wear this brand new uniform again” and it touches us all so deeply.

“We know he understands where we come from and where we come from.”

Former RAF Corporal Kelly Leonard, vice-captain of the British team, 44, from near Shrewsbury, Shropshire, said after the call: ‘I was almost in tears when he spoke to us as a team . It was really exciting.

Britain's team captain Rachel Williamson, center, with vice captains Kelly Leonard, left, and Corporal David Morris (Theo Cohen/Help for Heroes/PA)
Britain’s team captain Rachel Williamson, center, with vice captains Kelly Leonard, left, and Corporal David Morris (Theo Cohen/Help for Heroes/PA)

“The message was about what Invictus is, this resilience and this journey. It was really wonderful to see him.

Charity Help For Heroes is responsible for the selection, training and welfare of UK competitors.

Last weekend, friends and family of the British team cheered on them from behind the scenes at training camp, supported by the Royal British Legion.

The British team will compete in nine sports: athletics, archery, wheelchair basketball, cycling, powerlifting, indoor rowing, wheelchair rugby, swimming and sitting volleyball.

Harry was instrumental in bringing the games to the UK in 2014, when 300 competitors from 13 countries took part in the inaugural competition in London.

A trip to the Warrior Games in Colorado a year earlier had been the inspiration, as Harry had seen firsthand how the sport helped inspire recovery and support the rehabilitation of injured troops.

Government buys part of National Grid to help meet climate targets


The government will bring part of National Grid back into public ownership to create a new authority to help Britain meet its climate targets.

National Grid will sell its electricity system operator (ESO) arm to the government, the parties announced on Wednesday.

The nationalized unit will then be integrated into a new Future System Operator (FSO), an authority responsible for overseeing UK electricity systems.

Jonathan Brearley, chief executive of energy regulator Ofgem, said: “A fully independent system operator will help transform the UK energy system and reduce customers’ energy bills.

“Essentially the FSO will ensure that we build a smart, efficient and flexible system which will mean Britain moves to a safe, low carbon and low cost system.”

The FSO will also take over some of the gas functions from National Grid. It will work with energy providers and grids to ensure the electricity system is balanced and there is enough supply for households and businesses.

The government did not reveal how much it would cost to renationalise the unit, simply saying that National Grid would be “appropriately compensated” for the parts of its business transferred to the new authority. The final deal has yet to be agreed.

Britain faces a huge challenge to stop emitting carbon. But as progress continues, cars will become more and more electric and gas boilers will slowly be replaced by heat pumps.

This will require a lot of additional electricity.

Not only will this require wind turbines and other technologies to generate the additional electricity, but the wires that carry the electricity will also need to be up to the task.

The new authority will supervise the new projects and contribute to their integration into the network.

It will cover everything from electricity and gas to carbon capture and offshore wind networks.

National Grid boss John Pettigrew said: “We have worked closely with government, industry and the regulator to create a future system operator that enables long-term holistic thinking, drives progress towards the net zero and lays the groundwork for needed regulatory reform. to ensure a clean, fair and affordable energy transition.

ESO is owned by National Grid, but was legally separated from the company in 2019 to avoid conflicts of interest.

Electricity demand will increase as cars become more electric and gas boilers are replaced by heat pumps (PA)

It employs around 1,000 people. No job loss is expected as part of the purchase.

ESO Executive Director Fintan Slye said, “We warmly welcome today’s announcement that ESO will be at the heart of the system operator of the future.

“Building on our track record and skills as a world-leading system operator, working with industry, government and regulators, we will help deliver an affordable, reliable and clean transition for everyone.”

David Smith, Managing Director of the Energy Networks Association, said: “Coordination and cooperation between electricity and gas transmission and distribution networks, as well as all other players in the energy sector, will allow us to make even more progress towards decarbonizing effectively and efficiently.

The government is expected to announce its new energy strategy on Thursday, which follows the Russian invasion of Ukraine.

On Wednesday it announced it would back a £400million loan to technology company Johnson Matthey to help it develop new hydrogen technology that could help heat homes and drive trucks.

Slick Cash Loan Offers Instant Loans Guaranteed Approval Online Across the United States


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Titanic Survivor Molly Brown’s Cover Will Go Under the Hammer


Items including a deck cover and a jewelry box believed to have belonged to famed Titanic survivor Molly Brown are due to go under the hammer in Belfast.

One hundred and ten years after the tragic sinking of the ill-fated liner, a number of items associated with her will be auctioned off in east Belfast, a short distance from the Harland and Wolff shipyard where she was built.

The White Star Line ship was one of the most luxurious ever built in 1912, but despite being described as unsinkable, she sank after hitting an iceberg on her maiden voyage to New York, making more than 1,500 dead.

A blanket believed to belong to Titanic survivor Molly Brown is set to go under the hammer at Bloomfield Auctions in Belfast (Presseye/PA)

Among the survivors, US human rights activist Brown went on to help others by setting up the Committee of Survivors, raising nearly $10,000 (£7,650) for those left destitute by the disaster.

Items associated with Ms Brown and fellow survivor Elsie Bowerman will feature among Titanic, White Star Line, Harland & Wolff, Jewelery and Collectors sales later this month.

Karl Bennett, managing director of Bloomfield Auctions, said he expects gigantic global interest in Ms Brown’s items.

“As part of the sale, Molly’s White Star Line embroidered chaise lounge cover, which was in her possession while traveling on the Titanic, will go under the hammer, as will an engraved jewelry box which was given to Molly by her husband upon his safe return to New York,” he said.

Some of the items associated with the ill-fated Titanic liner set to go up for auction (Presseye/PA)
Some of the items associated with the ill-fated Titanic liner set to go up for auction (Presseye/PA)

“We also have a diamond-encrusted Legion of Honor medal which was awarded to Molly by the French for her charitable efforts during the First World War.

“These plays are accompanied by a host of documents relating to the famous actor Errol Flynn, which also make reference to Molly’s plays.

“Molly truly led a fascinating life and was an inspiration in all that she was able to achieve, especially for a woman at that time. We continue to see remnants of her accomplishments even today. , because the American juvenile justice system is based on the one she previously created in Colorado.

He added: “We also have a postcard of Elsie Bowerman, who was curiously on the same lifeboat as Molly, and a checkered handkerchief and a deck of Patience playing cards that belonged to her.”

Items that went under the hammer also include a launch stub, believed to belong to a friend of former Harland & Wolff chief executive Thomas Andrews, a cutthroat razor belonging to Titanic lookout Alfred Evans and a clearance certificate for Officer J Boxhall.

“The launch stub is something that would have been given to dignitaries,” Mr. Bennett said.

“We believe it belonged to a friend of Thomas Andrews and the heel has faded pencil marks.

The Titanic launch stub apparently belonged to a friend of former Harland & Wolff managing director Thomas Andrews (Press Eye/PA)
The Titanic launch stub apparently belonged to a friend of former Harland & Wolff managing director Thomas Andrews (Press Eye/PA)

“Alfred Evans was one of Titanic’s lookouts who was on duty the night of the sinking. We have a razor belonging to him with the inscription ‘Oceanic 1911’. An identical razor, belonging to another crew member, was was presented by the surviving steward F Dent Ray to the Titanic Historical Society in Massachusetts.

Mr Bennett described the objects as “remarkable pieces of history”, ideal for a Titanic fan, maritime collector or museum.

“This auction will be a fantastic opportunity to own something from one of the most beautiful and famous ships ever built,” he said.

The sale includes other notable nautical items, including an original lounge chair that was on the Lusitania, an ocean liner that was torpedoed by a German U Boat in 1915. The lounge chair was salvaged from the sea after the sinking by John Williams , director of Ensor’s Marine Salvage Company at Queenstown.

The auction catalog for the sale, which will take place on April 26 both in-house and online, is now available for viewing: www.bloomfieldauctions.co.uk