Home Blog

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

0

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.

The city built by King Charles III

It seems to work too. Paul Watson, 76, a retired international development consultant, and his wife Ruth, 72, moved into a two-bedroom apartment last October. “It was the apartment rather than the location that initially appealed, but we like the concept of Matlock Spa based on activity, health and wellness,” says Paul. “We love to walk and our new home is a short distance from the Limestone Way which runs from Matlock to Castleton.”

The layout is in direct contrast to 1960s and 1970s cul-de-sacs that were designed for cars to have a turning radius. Matlock is instead influenced by the designs of early Georgian aristocratic developers. “The original estates in central London created communal gardens and crescents that allow residents to come together – that’s what we’re trying to bring here,” says Rifkind.

Building a new Scottish community

When completed – in five or six decades – Tornagrain near Inverness will look like a traditional Scottish market town, with 5,000 houses, three primary schools, a secondary school, shops, employment spaces, parks and more services spread over 620 acres.

The team behind the project, led by John Stuart, 21st Earl of Moray, began by studying different examples of new and old towns to help shed light on the evolution of Tornagrain. “The most successful examples had many characteristics in common,” says development manager Andrew Howard. “They were compactly built, had a wide variety of housing sizes and types and a diverse community, and had jobs and services and streets designed for people, not cars.” Tornagrain’s plan is to allow all properties to have off-street parking tucked away behind houses and apartments; charging stations for electric vehicles are being rolled out.

Championship more competitive than ever

0

Caley Thistle boss Billy Dodds believes the Scottish Premiership promises to be just as competitive as last season.

With three points separating the top four, Dodds is preparing for another Test campaign for his team.

He said: “It’s so difficult and demanding and every manager will say the same thing.

“Anyone can beat anyone. That’s how it is – if you’re not there, you lose points.

“This league tests you and asks you questions every week, as a group of players and as coaches.

“Even if you know the other team perfectly, you know that if you mess up even slightly, the other team will benefit, even if you beat them three times before.

“It’s such a strange and difficult league.

“You want these races to happen as soon as possible, like we did last year – and I feel like we’ve done that for the last three or four weeks.”

Dodds wants Somerset win after two draws last season

Dodds will take his Inverness side to Ayr United on Saturday in a bid to extend their unbeaten run at Somerset Park to four matches.

Caley Jags led both away games before having to settle for a point in two 2-2 draws at Somerset Park and the Inverness manager will hope his side can produce a performance that deserves the three points this time around. opportunity.

He said: “It has been mixed ground for me with Inverness.

“We played some of our best football and ended up losing leads.

“I would like us to get ahead to see the game.”

Ayrshire back for Caley Jags boss

For Dodds, who grew up in New Cumnock, East Ayrshire, tomorrow’s trip represents a homecoming of sorts and he expects a serious test from second-place Lee Bullen.

Dodds said: “I’ve always loved (Somerset). I was a young boy at the Ayr United Boys Club. We trained all the time in Ayr, sometimes at the stadium.

“I’m an Ayrshire boy and it’s the old tradition. It’s an old-school pitch and a good day for the fans.

“Ayr will have fair support there given what they have done this season.

“I love going home to where I grew up and I also love the challenge.

“When Lee arrived, I could see their identity and the type of players he wants to play.

They have an attacking spirit, 4-4-2 most weeks, and that has brought them rewards. It is not surprising to see them there.

Already subscribed? Login

[Championship more competitive than ever]

[[text]]



New Line Cinema’s ‘Black Adam’ Theme From Grammy Award-Winning Composer Lorne Balfe Is Now Available On WaterTower Music

LOS ANGELES–(BUSINESS WIRE)–WaterTower Music is pleased to announce the release today of the first music to hear from New Line Cinema’s upcoming action adventure “Black Adam”, starring Dwayne Johnson. The first-ever feature to explore DC’s uncompromising anti-hero story is coming to the big screen under the direction of Jaume Collet-Serra (“Jungle Cruise”). The Black Adam theme (from “Black Adam”) by highly respected composer Lorne Balfe (“Mission Impossible: Fallout,” “The Lego Batman Movie,” “Black Widow”), Grammy Award-winning and Emmy-nominated, has just been released – ahead of the film’s release and The original band. “Black Adam” hits theaters and IMAX internationally from October 19, 2022 and in North America on October 21, 2022.

Balfe’s vision for the music of Black Adam encompasses an exploration of the stories that define the characters. The composer commented on this approach. “It was exciting to get into the Black Adam theme, and I really wanted to capture his essence as an anti-hero in the DC comics world. We had a big horn section on the score to give weight and power to the main character’s past, which I balanced with high tempo, more melodic sounds to give the audience a more familiar heroic feel. We also experimented a lot with the choir on this project, which was able to bring a unique and classic sound that ties in well with the story of Black Adam.

ABOUT THE MOVIE

In ancient Kahndaq, the slave Teth Adam was gifted with the almighty powers of the gods. But he used these powers for revenge and was imprisoned. Now, 5,000 years later, he is freed and once again wields his dark sense of justice on the world. Refusing to surrender, Teth Adam is challenged by a team of modern day heroes known as the Justice Society – Hawkman, Dr. Fate, Atom Smasher and Cyclone – who seek to bring him back to eternal captivity.

Johnson stars alongside Aldis Hodge (“City on a Hill,” “One Night in Miami”) as Hawkman, Noah Centineo (“To All The Boys I’ve Loved Before”) as Atom Smasher, Sarah Shahi (“Sex/Life”, “Rush Hour 3”), Marwan Kenzari (“Murder on the Orient Express”, “Aladdin”) , Quintessa Swindell (“Voyagers”, “Trinkets”) as Cyclone, Mo Amer (“Mo”, “Ramy”), Bodhi Sabongui (“A Million Little Things”), and Pierce Brosnan (the James Bond and “Mamma Mia franchises !”) like Dr. Fate.

Collet-Serra directed from a screenplay written by Adam Sztykiel and Rory Haines & Sohrab Noshirvani, based on DC characters created by Bill Parker and CC Beck. The film’s producers are Beau Flynn, Hiram Garcia, Dwayne Johnson and Dany Garcia, with Toby Emmerich, Richard Brener, Dave Neustadter, Chris Pan, Walter Hamada, Adam Schlagman, Geoff Johns, Eric McLeod and Scott Sheldon executive producing.

The director’s behind-the-scenes creative team includes Oscar-nominated cinematographer Lawrence Sher (“Joker”), production designer Tom Meyer (“Real Steel,” “Finch”), editors Mike Sale (“Red Notice “, “Skyscraper”) and John Lee (“Anyone Home?”), costume designers Kurt and Bart (“Deadpool 2”, “The Hunger Games: Mockingjay – Part 1 & 2”), Oscar-winning visual effects supervisor Bill Westenhofer (“Life of Pi”, “Wonder Woman”) and composer Lorne Balfe (“Black Widow”).

New Line Cinema presents a production of Seven Bucks/Flynn Picture Co., a Jaume Collet-Serra film, “Black Adam”, distributed worldwide by Warner Bros. Pictures.

ABOUT LORNE BALFE

GRAMMY-winning, EMMY- and BAFTA-nominated composer Lorne Balfe has created music in virtually every genre and for every visual media, with projects ranging from major studios to independent films, video game franchises, beloved animated features, to critically acclaimed television. documentary series and feature films.

Hailing from Inverness, Scotland, Lorne’s love of music and songwriting was evident from an early age. His childhood home had a residential recording studio where artists like Ozzy Osbourne and Inner Circle would record, the latter of which he coincidentally worked with for his score of BAD BOYS FOR LIFE.

From the age of eight Lorne began writing and selling his composed “jingles” for advertisements, and at the age of thirteen he auditioned to be a percussionist with the Edinburgh Symphony Orchestra, becoming their youngest member, and traveled through Scotland with them. professionally. It became clear to Lorne that he wanted to be a film composer, and in his late teens he began writing letters to other composers in hopes of an opportunity. It was then that he decided to move to the United States, and soon his outstanding career took off.

Regularly awarded for his musical compositions, he received critical acclaim for his score in the most successful film in the Mission: Impossible franchise, MISSION: IMPOSSIBLE – FALLOUT (Paramount Pictures) by writer/director Christopher McQuarrie and was announced as the composer of MISSION. : IMPOSSIBLE 7 & 8.

Other notable credits include TOP GUN: MAVERICK (Paramount), BLACK WIDOW (Disney/Marvel), AMBULANCE (Universal), JUNGLELAND (Paramount), THE LEGO® BATMAN MOVIE (Warner Bros) and the Oscar nominated film THE FLORIDA PROJECT (A24 ). Upcoming, Lorne’s work will be heard in ARGYLLE, directed by Matthew Vaughn.

In addition to his work with Christopher McQuarrie, Lorne has worked with many of the industry’s most prestigious directors, including Christopher Nolan, Ron Howard, Michael Bay, Cate Shortland, Ang Lee, Christophe Waltz, Jerry Bruckheimer, Sean Baker and Chris McKay.

ABOUT WATER TOWER MUSIC

WaterTower Music, the WarnerMedia companies’ in-house label, releases recorded music as rich and diverse as the companies themselves. Since 2001, it has been the soundtrack to many of the world’s most iconic movies, TV shows and games.

Mortgages are a ticking time bomb if interest rates rise as expected – Martin Lewis

0
A mortgage time bomb awaits if UK interest rate hikes follow market forecasts, Martin Lewis (PA) has warned

A mortgage ‘ticking time bomb’ awaits if UK interest rate hikes follow market forecasts, Martin Lewis has warned.

Speaking on ITV’s Good Morning Britain, the consumer champion suggested those with variable rate mortgages or fixed rate deals that end in the next three to five months could check a comparison website to see what is currently available.

The founder of MoneySavingExpert.com said: “So check out your existing business to see what it will bring you, then mortgage brokers are worth their weight in gold right now.”

Mr Lewis said that for some there may be logic in breaking their fixed agreement, but he added: “It’s not good for everyone – you want the mortgage broker to make those numbers. “

It has recently been suggested that the Bank of England may need to raise interest rates by up to 6%.

Clearly, many people will start failing affordability checks at this rate.

Martin Lewis

Mr Lewis said that scenario would be ‘catastrophic for mortgage holders’, pointing to the costs it could add to mortgages.

He continued: “Once you start applying (for a mortgage), you have to pass an affordability check.

“Obviously a lot of people will start to fail affordability checks at this rate. So either they’ll be locked into their own company’s offers only, or they’ll opt for a standard variable rate.

“And worse, because we now have a risk for house prices, this is not a prediction, I am saying that there is a risk that house prices will go down, that they will not do not, that they continue to increase.

“And if house prices fall, it will hurt people’s loan-to-value ratios, making it even harder to get a cheap mortgage.

“So there is a ticking time bomb in mortgage lending if UK interest rates follow what the market is predicting and rise to 6%.”

What happened to our market is specific to the UK, based on the decisions that were made in the mini budget

Martin Lewis

Speaking earlier in the interview, Mr Lewis said: ‘We spent six months talking about the energy crisis and all of a sudden we were… and it seems like, you know, it has been, it’s self-imposed evil that is happening in the mortgage market right now.

He added: ‘What happened to our market is specific to the UK, based on the decisions that were made in the mini budget.

Mr Lewis said markets expected the big debt to come from energy bills ‘but all of a sudden we had income tax cuts’.

He continued: “The government can say the tax cuts are good and maybe in the long run they will turn out to be right, but like in comedy, timing is everything.

“And putting all of those things together absolutely spooked the markets and made us look like a nation of comedians, frankly.

“The thing with the markets, it’s easy to dismiss them. It’s easy to say, ‘These are city boys and girls doing their thing and who cares.’

“But they are not impartial commentators. They don’t just stand aside and say, “We don’t like it.

“They control trillions and trillions of pounds of money that move major economies.”

Lenders have pulled mortgage products from sale and prices have risen in response to current conditions.

The choice of mortgage products continues to shrink, according to Moneyfacts.co.uk.

Some 2,340 mortgage products were on sale on Thursday – down from 2,661 on Wednesday, after choice fell from a record 935 products between Tuesday and Wednesday.

On Friday, the day of the mini-budget, 3,961 products were available, which means that the choice of residential mortgage products has decreased by 1,621 offers since last Friday.

Brokers said they expected lenders to return with new offers in the coming days.

Rightmove housing expert Tim Bannister said: ‘The number of attractive mortgage deals dropping this week is a bitter pill to swallow for those wanting to move and those whose fixed terms are due to end, and it will have an impact on buyers’ budgets, especially those that were already stretching.

“We are carefully monitoring activity in real time, and so far what we are seeing is that the housing market is still on the move.

We have seen a slowdown in demand over the past few months, but buyer demand is still 20% above the pre-pandemic five-year average.

Tim Banister, Rightmove

“The number of potential buyers asking to view properties on Monday and Tuesday is down 3% compared to other Mondays and Tuesdays this month, and demand is still significantly higher than the supply of homes for sale. .

“Additionally, the number of agreed sales on Tuesday was at its highest in a day since early August, perhaps as some people rush to get a mortgage before rates rise further.

“Over the past month, activity has shown that the housing market has been surprisingly resilient to the headwinds of rising rates and so it appears that for those who can move, they are forging ahead at the moment.

“We have seen a slowdown in demand over the past few months, but buyer demand is still 20% above the pre-pandemic five-year average, house prices are 15% higher than they were there. two years ago and the total number of homes going through ownership transfer is 40% higher than in 2019.”

More than 200 Ukrainians in the council area

0

Ukrainian refugees who have been relocated to Argyll find jobs very quickly.

Argyll and Bute Council reports that its resettlement program from the war-torn country is proving successful.

Many refugees have already found jobs within the community. And the community has enrolled its first cohort of education professionals on its career path.

A Ukrainian family walks on a railway line with their luggage after crossing a border crossing with Poland at Kroscienko in the southeast of the country. Photo by Victoria Jones/PA Wire

Details of how Ukrainian refugees are settling are revealed in a report to the full council. Morag Brown, Resettlement Manager, said: “This will see them working in our schools initially in a support role to gain experience and knowledge about our program.

“We intend ultimately this will lead to recognition or registration of the GTCS (General Teaching Council for Scotland). The other advantage of this approach is that it provides Ukrainian speakers in schools with Ukrainian students. We have 50 students in 14 institutions across the authority.

How many Ukrainian refugees are currently in Argyll?

In Argyll and Bute there are currently 232 Ukrainian Displaced Persons (UDP).

Of these, 111 are here on Homes for Ukraine visas where sponsor and guest match up before arrival.

There are 64 people on super sponsor visas where people are matched with a sponsor or assigned social housing after a temporary stay in a hotel.

And 57 people are currently staying in a hotel on a super sponsor visa, with corresponding discussions ongoing.

The number of people changes every day

The number of people in sponsorship and temporary accommodation changes daily.

As customers leave hotels when successfully matched, they are quickly replaced by new customers arriving in Scotland.

There are also a number of new arrivals each week through the Homes for Ukraine programme.

Around 9,000 Ukrainian refugees have arrived in Scotland since war broke out in February.

Hotels like The Oban Bay have welcomed refugees alongside guests

In Argyll, the program has seen the Oban Bay Hotel on the Corran Esplanade accommodate refugees while remaining open to regular guests.

Meanwhile in Inverness this month, a major city center hotel closed to guests. The Craigmonie Hotel on Annfield Road has agreed a six-month contract to be used exclusively to help people fleeing the conflict.

Since four sites across Argyll and Bute joined the scheme, a total of 167 people have stayed at participating hotels. The team found matches for 93 people who opted for sponsorship in Argyll and Bute or further afield.

Local matching is much more efficient

The Resettlement Team Leader added: “Local matching is much more efficient for Argyll and Bute than the national matching service.

“It’s because we’ve built a relationship of trust with the UDP and we know our region, our job market, our schools and our sponsors and can make informed decisions about what would be a good sustainable game and what won’t be.

“The UDPs in hotels, with one very small exception, are very happy in Argyll and Bute, but they are also clear that they don’t want to stay somewhere too remote.”

How many housing units are made available by social landlords?

Social landlords in the region have made properties available to the refugees.

West Highland Housing Association has two occupied properties. Fyne Homes has seven occupied properties. And the Argyll Community Housing Association (Acha) has five properties currently decorated, carpeted and furnished.

The use of spoken English courses for speakers of other languages ​​has been high. Other tutors are being recruited.

Ms Brown concludes her report: “What is clear is that our sponsors and communities are supportive, welcoming and safe and Argyll and Bute provides both a place to recover from the horrors of war and to plan. the future, whatever it is. ”

Are you interested in more exclusive and breaking news about the P&J Highlands and Islands? If so, why not join our dedicated Facebook page

Already subscribed? Login

[More than 200 Ukrainians in the council area]

[[text]]



Online Short Term Personal Loans Available Now

0

A personal loan is a short-term loan, which you can repay in installments. It’s a great alternative to traditional short-term loans, offering quick cash at extremely high interest rates. With a personal loan, you have the right to prepay the loan to free up income in your spending plan and potentially save on interest.

Most short-term loans require proof of employment, a salary statement, a bank account, and a valid driver’s license. Because there is often no collateral and lower credit requirements, these loans charge a higher interest rate (up to 400%) and may incur other fees and penalties.

Let’s dig deeper and explore what short-term personal loans are available, and if there’s a good option for you.

Definition

A short-term personal loan is a type of loan with little or no collateral and a repayment term of less than one year. This may require supporting documentation (such as proof of employment or your credit card history), but in most cases you submit a request and receive your money within 24 hours.

Short-term loans are offered for a maximum amount of $2,000, with repayment in weeks. After the company reviews your application, they send the contract with the approved amount and interest rates. So before accepting, you still have a chance to calculate how much you will have to pay back.

Types

There are a few main types of short term personal loans; they have different features, conditions and fee structures:

  • Payday loans – the loan providing money to borrowers, until they receive their next salary. Let’s say you want a Loan 100 dollars today – payday can do it! The only requirement might be proof of your employment with a payslip. These loans must be repaid quickly and painlessly – otherwise you will be subject to high APRs and fees;
  • overdraft – a form of short-term loan, where customers can obtain temporary cover for charges from their bank if the account does not have the necessary charges. In terms of repayment, these loans are similar to installment loans: a borrower will have regular and frequent payments for a period of time until the principal and interest have been repaid;
  • Car title loans – a type of short-term loan, which allows a borrower to use the vehicle as collateral. Rather, it is an exclusion from the definition of short-term personal loans (which normally have no collateral), but it is a perfect example if we are talking about the high interest rate. If you are late with your payments, the interest charges increase and the loan will cost you much more.
  • Bridging loans – are useful during real estate transactions. For example, when you bought a new house, while the other property remains on the market. For this type of loan, you will need an impeccable credit rating; lenders also prefer borrowers with a low debt-to-income ratio (DTI).

Another popular option for short-term loans is to extend your line of credit with a credit union or bank. It can improve your financial situation at once, without side effects. As a result, a higher line of credit makes you more attractive to lenders.

Choice

If you decide to apply for a short-term loan, consider lenders, who do not charge penalties. In another scenario, you will be asked to pay additional fees if you want to complete the transaction before the agreed time. Isn’t it deeply unfair that paying off the loan sooner could cost you more?

Here is the list of several companies, which will not charge you for such a “service”:

  • happy money – a loan provider with an innovative approach to lending. It offers personal loans, ideal for consumers, who want to save money. Happy Money consolidates high interest rates, giving borrowers exclusive access to more efficient management of their finances. Be aware that while there are no prepayment penalties, origination fees of up to 5% may apply.
  • LightStream – the lender that offers some of the lowest interest rates on personal loans. Same-day financing is available and there are no prepayment penalties or other fees. If you keep in mind that shorter loan terms come with lower interest rates, that makes LightStream a considerable option. And your financial best interest.
  • SoFi – a lender, who can extend you some credit, if your score is at least 680. SoFi customers also get free access to financial advisors, career coaches and other events, dedicated to improving your financial literacy. This lender offers a seamless application experience, saving you from late payments or prepayment fees.
  • Reached – a lender worthy of attention, due to competitive interest rates and fast financing options. Beware, Upstart will assess your credit score and review your work history to determine if you are a good candidate for a loan. If you have a loan with this company and decide to pay it off early, you will not be subject to additional charges. However, you will be asked to pay an origination fee of up to 8%, as well as a late payment fee.

According to the statistics, more than 20 million Americans have unsecured loans. So, before getting approved for funding, check the company’s refund policy. Look for additional fees and interest rates that may apply; ask a financial adviser about prepayment.

The essential

To wrap up this story, we would like you to reassess the purpose you have for a personal loan. Remember that you can always ask your friend or family for money. make the option buy now, pay later; or simply subscribe to a credit card.

Even though short-term loans seem like a great opportunity to cover your needs, their fees and interest rates sometimes exceed 400%. Missing payments will negatively affect your credit score and cost you more in late fees, penalties and interest.

Look for online lenders offering money at no additional cost; check the refund policy and if there is anything extra to pay if you want to complete a transaction sooner. Make sure you’ve done your research and won’t face any negative consequences when working with online lenders.

Honor Roll: September 27, 2022

0

Four PGA TOUR University players added wins to their resumes last week, led by Central Florida Luis Carrera. The fifth year senior carded a 63 in the second round and won the Hartford Hawks Invitational by five strokes for his first collegiate victory. Last month, Carerra became the second Mexican golfer and first since 1979 to win the Canadian Men’s Amateur Championship, and with the win, he earned a bye to the 2023 RBC Canadian Open.

At the Bearcat Invitational in Coldstream, the team and individual titles were decided in one fell swoop, with teammates Sam John and Ty Gingerich finishing 1-2 and leading Cincinnati to a narrow win over UNC-Greensboro.

Denver also won last week Carson Griggs and Southern Cal’s Jack Boulger. Griggs closed with rounds of 64-67 to win the William H. Tucker by one, while Boulger posted 12 under and won by six at the Husky Individual Invitational.

Quick links

Week 38 Tournament Results (September 19-25)

invitation husky (Sept. 19-20)
Gold Mountain – Olympic course | Bremerton, Washington

  • Tag Team Champion: Washington State
  • Individual Medalist: Jackson Rivera/Southern Cal
  • Notable U-rated players:
    -7th, Carson Barry/Oregon State (Ranked 56th)
    -T8, Caleb Shetler/San Jose State (ranked 106th)

Ram Masters Invitational (Sept. 19-20)
Fort Collins Country Club | Fort Collins, Colorado

  • Tag Team Champion: Colorado State
  • Individual Medalist: Brady McKinlay/Utah Valley
  • Notable U-rated players:
    -T2, Davis Bryant/Colorado State (ranked 65th)
    -T11, Carson Griggs/Denver (Ranked 151st)

Bearcat Invitational at Coldstream (Sept. 19-20)
Coldstream Country Club | Cincinnati, Ohio

  • Tag Team Champion: Cincinnati
  • Individual Medalist: Sam Jean/Cincinnati (Ranked 104th)
  • Notable U-rated players:
    -T2, Ty Gingerich/Cincinnati (Ranked 159th)
    -T8, Jiri Zuska/Louisville (Ranked 32nd)

Hartford Hawks Invitational (September 19-20)
Bulls Bridge GC | South Kent, Connecticut

  • Tag Team Champion: Central Florida
  • Individual Medalist: Luis Carrera/Central Florida (Ranked 133rd)
  • Notable U-rated players:
    -T2, Johnny Travale/Central Florida (ranked 38th)

William H. Tucker Intercollegiate (Sept. 23-24)
Championship Course at UNM | Albuquerque, New Mexico

  • Tag Team Champion: San Diego State
  • Individual Medalist: Carson Griggs/Denver (Ranked 151st)
  • Notable U-rated players:
    -T5, David Timmins/BYU (Ranked 111th)
    -T7, Aymeric Laussot/TCU (Ranked 66th)
    -T10, Gustav Frimodt/TCU (Ranked 109th)

Week 39 Tournaments (September 26 – October 2)

SEC Match Play (Sept. 25-26)
Old Overton Club | Vestavia Hills, Alabama

Inverness Intercollegiate (Sept. 26-27)
Inverness Club | Toledo, Ohio

Old Town Collegiate (Sept. 26-27)
Old Town Club | Winston-Salem, North Carolina

Windon Memorial (Sept. 26-27)
Evanston Country Club | Skokie, Ill.

Collegiate Church of the Folds of Honor (Sept. 26-28)
American Dunes Golf Club | Grand Haven, Michigan

Individual results

In partnership with the World Amateur Golf Ranking® (WAGR®), the PGA TOUR University ranks collegiate players based on their average performances in NCAA Division I men’s team competitions, official PGA TOUR tournaments and select DP World Tour events. The ranking period for the Class of 2023 began week 23/2021 and ends May 29, 2023, after the final round of stroke play at the NCAA DI Men’s National Championship.

Note: Each PGA TOUR University player’s full record can be viewed by clicking the (+) icon in the far right column of the Velocity World Ranking website.

The Top Truss aide will be directly employed by No10 after being paid by his own company

0

Downing Street has confirmed it will employ Liz Truss’ chief of staff Mark Fullbrook straight after it emerged he was being paid through his lobbying firm.

Mr Fullbrook will be put on a special adviser contract to avoid “any ongoing speculation”, a No 10 spokesman said on Tuesday.

The Cabinet Office previously said it was ‘not unusual’ for a special adviser to join the government ‘on secondment’ and their salary paid to a ‘secondment company’.

But the arrangement has drawn accusations of being a “dirty conservative” again from opposition parties.

Number 10 did not deny that Liz Truss’ top aide received payments through Fullbrook Strategies, a private lobbying firm he set up in April, as reported by The Sunday Times.

A spokesperson for Mr Fullbrook previously denied speculation that the arrangement would allow him to pay less tax.

The spokesperson said: ‘This is not an unusual arrangement. It was not set up for tax purposes and Mr. Fullbrook does not derive any tax benefit from it.

The No 10 spokesman said on Tuesday: ‘While there are established arrangements for employees to join the government on secondment, to avoid any ongoing speculation Mark Fullbrook will be employed directly by the government on secondment. a special adviser contract.

Mr Fullbrook will be put on special adviser contract to avoid ‘any ongoing speculation’, according to No 10 (Dominic Lipinski/PA)

“All government employees, including those joining the secondment, are subject to the necessary checks and balances, and all special advisers declare their interests in accordance with Cabinet Office guidelines.”

The Sunday Times reported that Mr Fullbrook’s company, which he said has now suspended business operations, contacted the government on behalf of clients including the Libyan House of Representatives, an energy supplier and a utility company. ‘EAR.

Mr Fullbrook has already been in the headlines since he began his role as the government’s top political appointee two weeks ago.

Deputy Labor leader Angela Rayner previously said Mr Fullbrook was
Deputy Labor leader Angela Rayner previously said Mr Fullbrook was ‘on loan’ from a firm at No 10 ‘raises questions’ about the Prime Minister’s judgment (Kirsty O’Connor/PA)

It emerged last week that he had been interviewed as a witness in a Federal Bureau of Investigation (FBI) investigation into allegations of corruption in Puerto Rico.

Deputy Labor leader Angela Rayner said the revelation that Mr Fullbrook is ‘on loan’ from a lobbying firm ‘raises serious questions about the judgment of the new Prime Minister’.

The FBI investigation centers on allegations that conservative financier and donor Julio Herrera Velutini promised to help the former governor of Puerto Rico win re-election if she fired an official investigating a bank he owned there. .

He denied the charges against him.

Mr Velutini reportedly paid CT Group, a political consultancy where Mr Fullbrook was a senior official, US$300,000 (almost £263,000) for work to help Wanda Vazquez’s ultimately unsuccessful re-election campaign Garced in 2020.

A Downing Street spokesman previously said Ms Truss was 100% behind Mr Fullbrook and “he has his full backing”.

Boys Tennis: Regis Jesuit and Grandview Host First Class 5A Tag Team State Championship Tournament

0
The Regis Jesuit No. 1 doubles team of Liam McDonnell, center, and KC Eckenhausen, right, helped the Raiders set a regular season doubles record of 10-0. The Raiders are ranked third among 16 teams in the first 16-team Class 5A Men’s Team Tennis State Tournament. (Photo by Courtney Oakes/Colorado Sentinel)

DAWN | The new format for deciding the Class 5A boys’ tennis team state championship is in play, and two Aurora teams are among the top 16 teams in the mix.

Previously, the 5A state championship was decided by the cumulative points accumulated by the singles and doubles teams in their respective brackets during the individual state tournament, but the points could only be collected by the teams that had passed through the regional to qualify for the state.

The new college-style format sees full teams compete in head-to-head double matches and fight their way through a bracket until the team that wins the final duel on the 18th October at City Park in Denver hoists the 5A State Championship trophy.

Regis Jesuit and Grandview will represent Aurora in the tournament, which was put together by a committee of the Colorado High School Activities Association, which used a combination of UTR ranking, league strength, overall record, competitive strength, head-to-head competition. and common opponents to determine qualifications and seeds.

Full 5A Team State Tournament Rankings, Bracket, and Schedule, here

Coach Laura Jones’ Raiders were seeded No. 3 and coach Jeff Ryan’s Wolves were seeded No. 8, earning both a home game in the first round on September 28 .

Regis Jesuit finished 10-0 in doubles matches (including eight wins in Continental League competition) and won both the Western Slope Invitational and the Ralston Valley Invitational. One of the Raiders’ double wins came in Boulder on September 19, where they beat the Panthers 5-2. The teams will face off again in the state tournament at 3:30 p.m. on the courts at Colorado Athletic Club-Inverness, the home courts of Regis Jesuit this season.

In the regular season win over Boulder, the Raiders swept all four doubles games – KC Eckenhausen and Liam McDonnell at No. 1, Aidan Sobolevsky and Carl Siegel at No. 2, Joe Dorais and Tyler Ryan at No. 3 and Devin McCausland and Adam Rydel at No. 4 – while singles player No. 3 Brady Jenkins won in straight sets. Freshman No. 1 singles player William Dickey lost 11-9 in a third-set tiebreaker to Daniel Benjamin of the Panthers.

The winner of this match will advance to the quarter-finals on October 1 against the winner of No. 11 Mountain Vista and No. 6 Ralston Valley.

Grandview have improved a lot this season thanks to a strong base of returning players – including Alex Eckley and Caleb Hodges, who qualified for last season’s state tournament in doubles – plus the addition of young talent as well than the arrival of a foreign student. to No. 1 in singles at senior Eduard Tsaturyan. Tsaturyan played in seven matches and won them all, including a matchup with reigning 5A State Champion No. 1 in singles Aram Izmirian.

Wolves have a double record of 6-2 with one more to play (at Legend on September 26 in a rescheduled match) and will host ninth-seeded Monarch in a double first-round match at 3:30 p.m. The Coyotes – who played in the same Greeley West Invitational as Wolves on September 2 – own a double game record of 8-0.

The Grandview-Monarch winner advances to the quarterfinals with a likely matchup against top seed Cherry Creek — which has won 44 all-time state tag team championships — who is paired with No. 16 Heritage in the first round. The Wolves were very competitive with the Bruins in a Centennial League doubleheader before losing 6-1.

The regular men’s tennis season ends on September 29 and teams will be split into eight regional 5A brackets based on final league standings. Two players from each of seven positions at each regional advance to the 5A Individual State Tournament, which is scheduled for Oct. 13-15 at City Park in Denver.

Courtney Oakes is sports writer for Sentinel Colorado. Join it at [email protected] Twitter: @aurorasports. IG: Sentinel Prep Sports

E-bike caused tower fire, investigators reveal

0

An electric bicycle was believed to have started a fire in a tower, investigators said.

A man is believed to have died after climbing out of a window to escape the blaze in the Easton area of ​​Bristol on Sunday.

Emergency services were called to the fire on the top floor of Twinnell House on Wills Drive near Stapleton Road shortly after 2.15am.

Eight people were treated in hospital and one continues to receive treatment for minor burns.

The investigator said fire prevention measures, including exterior cladding, worked and contained the fire in the apartment where it started (Claire Hayhurst/PA)

Around 90 residents were evacuated and a rest center was set up at St Nicholas Of Tolentino RC Church in Lawfords Gate.

Bristol City Council housing officers continue to provide support to those affected.

Wills Drive has now reopened, the tower has been declared safe and the cordon lifted.

The investigation of the fires revealed that smoke detectors were provided in the property and electricity was hardwired by the owners

Steve Quinton

Avon Fire and Rescue regional manager Steve Quinton, who led the investigation into the fire, said fire prevention measures, including exterior cladding, worked and contained the fire in the fire. apartment where he started.

“Fire investigators have identified the cause of the fire as accidental due to an electric bicycle,” he said.

“Investigation of the fires revealed that smoke detectors were provided in the property and electricity was hardwired by the owners.

“Having seen the tragic fire, it is understandable that residents are concerned about the risk of fire in their own homes, whether they live in apartments in town or elsewhere.

“If you’re concerned about fire safety in your home, one of the most important things to do is make sure your escape routes are clear and everyone living on the property knows how to get out in the event of a fire.” ’emergency. ”

Councilor Tom Renhard, Bristol City Council Cabinet Member for Housing Delivery and Homes, added: ‘We would like to extend our condolences to the family and friends of the person who sadly lost his life on Sunday.

“Many people will be affected by this tragedy, and I encourage residents to seek help from the council’s housing team who will continue to monitor everyone.”

Ex-England star Neville due to attend conference as Labor presents investment plan

A Labor government would create a state-owned investment fund to support projects that could generate wealth for the nation.

Shadow Chancellor Rachel Reeves will use her speech at the party conference in Liverpool to set out the plan, which would start with an initial investment of £8.3billion to fund green industries.

Ms Reeves delivered the keynote address at Monday’s rally, but party leader Sir Keir Starmer will also appear at the conference alongside former England footballer Gary Neville.

Labor leader Sir Keir Starmer and Shadow Chancellor Rachel Reeves visit an insulation project at a social housing site in Bootle (Stefan Rousseau/PA)

Former Manchester United defender Neville has used a Daily Mirror interview to call the tax cuts announced by Chancellor Kwasi Kwarteng ‘immoral’ and ‘madness’.

The Sky Sports pundit said Liz Truss was ‘taking the absolute Mickey away from us’ by cutting taxes on the wealthy and said having the Labor leader as Prime Minister would be ‘a change that cannot come fast enough’.

Ms Reeves’ lunchtime keynote will be an opportunity for Labor to chart an alternative economic path after Mr Kwarteng’s mini-budget on Friday.

The creation of the national wealth fund could be modeled on similar institutions in countries like Norway and Singapore, and its aim is to create long-term wealth for Britain.

Ms Reeves is expected to say: ‘Here is the deal: the next Labor government will create a national wealth fund so that when we invest in new industries, in partnership with businesses, the British people will own a share of that wealth and the taxpayer will get a return on that investment.

Labor wants to target the money to industries where public investment could attract more private sector spending to deliver energy security and a carbon-free economy.

Labor leader Sir Keir Starmer in Bootle (Stefan Rousseau/PA)
Labor leader Sir Keir Starmer in Bootle (Stefan Rousseau/PA)

The projects include eight new battery plants, six clean steel mills, nine renewable energy-ready ports, the world’s largest hydrogen electrolyser plant, and net-zero industrial clusters in all regions of the country.

Ms Reeves will say the plan will result in ‘wealth in which the British people will have a stake’ and ‘wealth invested in the future of our country’.

The party would also establish an Industrial Strategy Council (ISC) to review progress in meeting policy commitments, in much the same way the Committee on Climate Change monitors governments’ actions to meet environmental targets.

It would review progress against four commitments: delivering clean energy by 2030, harnessing data for the public good, caring for the future, and building a resilient economy.

Shadow Business Secretary Jonathan Reynolds said: ‘While the Tories dust off the same tired old policies that got us into this mess, Labor is looking to the future.

“Businesses and workers want a partner in government who can offer certainty, bringing with it the confidence to invest in Britain.”

Other policy announcements include a commitment to clean up England’s rivers, with a legally binding target to end 90% of sewage discharges by 2030.

Predatory payday loan companies and fraudsters thrive amid uneven laws and stolen data, new BBB research finds

0

As consumers lost their jobs and struggled to make ends meet during the COVID-19 pandemic, many have turned to payday loans and other short-term solutions, with an increase in solutions in line. This has not only allowed predatory lenders to thrive – many borrowers still face exorbitant interest rates and opaque fees – but has also created a fertile environment for scam artists, according to a new in-depth study from the Better Business Bureau. (BBB).

Payday loan laws are managed from state to state among the 32 states in which they are available, and a complex web of regulations makes the impact of the industry in the United States and Canada difficult to understand. follow. The BBB study, however, finds a common thread in the triple-digit interest rates that many of these loans carry – camouflaged by interest compounded weekly or monthly, rather than annually, as well as significant rollover fees.

From 2019 to July 2022, BBB received nearly 3,000 customer complaints about payday loan companies, with a disputed dollar amount of nearly $3 million. In addition, over 117,000 complaints have been filed against debt collection companies at BBB. Complainants often said they felt ill-informed about the terms of their loans. Many fall into what consumer advocates call a “debt trap” of racking up interest and fees that can force customers to pay double the amount originally borrowed.

The scammers haven’t missed an opportunity to take advantage of consumers either, with BBB Scam Tracker receiving over 7,000 reports of loan and debt collection scams representing around $4.1 million in losses.

Posing as payday loan companies and debt collectors, scammers use stolen information to trick consumers into handing over banking information and cash. In one case, BBB discovered that hackers had stolen and released detailed personal and financial data for more than 200,000 consumers. News reports indicate that this is not an isolated incident.

Regulators at the federal level have passed tougher laws to combat predatory lending, but those regulations have been rolled back in recent years, leaving states to set their own rules on interest rate caps and other aspects of lending. on salary. More than a dozen states introduced legislation last year to regulate payday loans, but the landscape of legally operating payday lenders remains inconsistent across states.

Currently, payday loans are not allowed in 18 states, according to Pew Charitable Trust. In addition, the Military Loans Act sets a rate of 36% on certain payday loans. When it comes to fraudulent behavior, law enforcement is limited in what they can do to prosecute payday loan scams. Some legal payday lenders have attempted to prevent scams by educating consumers about the ways in which they will or will not contact borrowers.

The BBB study advises consumers to thoroughly research all of their borrowing options — as well as the terms of a payday loan — before signing anything for a short-term loan. The study also includes recommendations for regulators:

  • Cap consumer loans at 36%
  • Educate more people about no-cost extended repayment plans
  • Require lenders to test whether consumers can repay their loans
  • Require Zelle, Venmo, and other payment services to offer refunds for fraud

Where to report a payday loan scam or file a complaint:

  • BBB.org/ScamTracker
  • Federal Trade Commission (FTC) – ReportFraud.ftc.gov
  • State attorneys general can often help. Find your state attorney general’s website to see if you can file online.
  • If you have an overdue payment on a payday loan, the Consumer Financial Protection Bureau may have resources to help you establish a payment plan.

Find more information about this study and other BBB scam studies at BBB.org/scamstudies.

Did you like what you just read?

Show your support for local journalism by helping us do more. It’s a kind and simple gesture that will help us continue to tell you stories like this.

Click to donate

Rockies take on Padres’ leading streak 1-0 | Tampa Bay Buccaneers

0

San Diego Padres (83-68, second in NL West) vs. Colorado Rockies (65-86, fifth in NL West)

Denver; Saturday, 8:10 p.m. EDT

Get more of the Citrus County Chronicle

Preparation area

Get updates and player profiles ahead of Friday’s high school games, plus a Saturday recap with stories, photos, videos Frequency: Seasonally Twice a week



© Skrive Data. All rights reserved.

Doctors are already seeing the impact of the crisis

0
Child poverty is increasing.

The cost of living crisis is already impacting the health and wellbeing of children and young people, according to the Royal College of Paediatrics and Child Health (RCPCH).

A survey found that 60% of paediatricians in the UK believe they are seeing an increase in mental health issues, an increase in poor nutrition and an increase in families unable to attend medical appointments.

The RCPCH described health inequalities as avoidable, unfair and systematic differences in health outcomes between different groups of babies, children and young people, largely due to child poverty.

Health inequalities across the lifespan take root in childhood and impact a person’s future, according to the RCPCH, which says data consistently shows that poverty and inequality affect education , housing, social environment and health outcomes.

And things look to be getting worse as the Resolution Foundation suggests Scotland’s child poverty rate will hit 29% by 2023/24, the highest in over 20 years, but that estimate predates the current crisis.

Dr Mairi Stark, RCPCH Scotland Lead, said: “In a wealthy society like ours, it is completely unacceptable for children and their families to lack food, shelter, clothing and fuel.

“This winter’s cost of living crisis has created a perfect storm where health inequalities are set to worsen. This will undoubtedly destroy the lives of children and young people, taking away opportunities and preventing them from reaching their full potential.

“The resources released today by the RCPCH will provide paediatricians with the tools they need to make concrete differences and real improvements in the lives of children and young people, but poverty must also be tackled through policy. To help Scottish families weather the cost of living crisis and tackle the insidious inequalities in our country, the child poverty targets must be met.


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

Government to borrow over £70bn to fund energy aid and tax cuts

0

The government will borrow a further £70bn over the next few months to fund its massive support for household and business energy bills.

The combined energy programs will cost around £60billion in the first six months, the Chancellor announced on Friday.

The Business Relief Scheme, which gives businesses a cut on their bills, will cost around £29billion over the period.

Meanwhile, Support for Ordinary People, which caps bills at £2,500 for the average household – although your bill may be higher or lower if you use more or less energy than average – will cost £31billion , according to current projections.

However, these forecasts are highly uncertain as they depend on the evolution of gas price volatility over the coming months.

“The House should note that the estimated costs of our energy plans are particularly uncertain, given the volatility of energy prices,” Kwarteng told MPs on Friday.

“But based on recent prices, the total cost of the energy package, for the six months from October, is expected to be around £60bn.

“We expect the cost to come down as we negotiate new long-term energy contracts with suppliers.”

The government will look to international borrowing markets to find the roughly £72.4bn it needs to cover the cost of energy policies and its tax cuts.

(PA graphics)

It will lose more than £2billion each year due to its plans to scrap the top 45 cents of the UK personal income tax rate for income above £150,000.

Plans to cancel the planned rise in corporation tax from 19% to 25% will cut Treasury tax levies by more than £12billion next year, to £19billion by by 2026, the government said.

Governments borrow money by selling gilts, a kind of IOU, on international markets. Anyone can buy them, for example through premium bonds, but most buyers are banks, pension funds and other large institutions.

As with most loans, the government agrees to repay what it borrows, plus interest.

Earlier this week, the Office for National Statistics revealed that borrowing was much higher than expected in August.

The government borrowed £11.8billion last month to meet soaring interest charges on its loans.

(PA graphics)
(PA graphics)

Many of these loans are linked to inflation.

But the government now claims that by supporting households it will reduce inflation by around five percentage points.

This in turn will make it cheaper for him to borrow money.

North Coast 500 Ltd Executive Chairman Tom Campbell resigns

Tom Campbell, Executive Chairman of the North Coast 500.

One of the founders of the company that promotes the iconic North Coast 500 route is due to step down.

NC500 Ltd Executive Chairman Tom Campbell will be leaving the company at the end of this month to take on a new role later this year.

He has been with the company since its inception seven years ago.

Last year, North Coast 500 Limited worked with some 800 member businesses across the region, showcasing the route’s offering through its dedicated website, visitor app, podcasts and media campaigns.

Acting Chairman of North Coast 500 Ltd, David Hughes said: ‘Tom’s vision, passion and pride for the Northern Highlands have been instrumental in establishing the NC500 route as one of Scotland’s most important tourist offerings, helping to attract thousands of visitors to the region. every year.

“It leaves North Coast 500 Limited as a single global brand, adding substantial value to local business activity in the Northern Highlands region.

“A strong, committed and experienced management team, led by our Chief Operating Officer Craig Mills, will ensure a smooth transition as we proceed with the appointment of a new Chairman.

“We wish Tom every success in the future as he looks forward to the next chapter in his career.”

Mr Campbell said: “I leave with a real sense of pride in what has been achieved.

“I want to thank the board and team for their support and leadership during my time with NC500.

“I am confident that the Board’s commitment, vision and determination to make a difference will continue to be a driving force in the future of tourism in the North Highlands.”


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

After Stanley Cup glory, what else do the Avs plan for 2023? “I think we have a team that can do it again.”

0

Now what?

Erik Johnson asked the same question many Avalanche fans asked this summer. Once you’ve lifted – and dented – the Stanley Cup, what the hell do you do for an encore?

“Honestly, I was thinking after our win, when some of the dust settled, and I was like, ‘How am I going to prepare to play this year? Media scrum at the Hilton Inverness in Englewood to commemorate the start of Colorado’s training camp. “I was just like, ‘How do you do that again?’

“And then, as the summer started to pick up again, I was like, ‘I’m so ready to start again. I really haven’t been more excited for a season in maybe forever.

Get in line, EJ. Get in line.

For the first time in 21 years, the Avs have opened camp as defending Stanley Cup champions, the culmination of a rebuild that began in earnest six seasons ago.

With the well-attended but immaculate Cup parked on a dais to their right, Avs veterans and coach Jared Bednar planted their respective flags for reporters regarding the trip ahead.

The message: Let’s climb that mountain again. Do you remember the madness of reaching the top? Well, if you still want it, you’ll have to bring it back twice as hard.

“No. 1, I think if you win, you remember the success of the end of the year,” Bednar pointed out. “And it’s easy to forget how hard it was to get there and all the sacrifices you’ve had to make as a team and how you have to come together to make it happen. It’s a reminder that I think we can give each other on a daily or weekly basis.

“It’s a long and tough road, and our guys are going to have to be ready to climb the mountain again and do all the right things, because we’re starting fresh here.

“And you know, it’s a bit of a different group. But there (are) a lot of guys who are back and in similar roles. … So we should be able to pick up where we left off in (that). But it will be a chore.

The climb is a little more difficult when each guy in the group tries to do this climb with a giant target on his back.

While the Avs lost key contributors in center Nazem Kadri (Calgary), winger Andre Burakovsky (Seattle) and goaltender Darcy Kuemper (Washington) to free agency, the core of defensemen such as Johnson, Devon Toews, Cale Makar, Bo Byram and Samuel Girard remain intact. The same goes for the group of forwards led by Gabe Landeskog, Mikko Rantanen, playoff hero Valeri Nichushkin and center Nathan MacKinnon, whose 8-year contract extension announced Tuesday only cements the franchise in the game. circle of contenders for the annual NHL Cup. And in the crosshairs of all the other wannabes.

“Yeah, I think every team is going to shoot us,” Toews said. “We have proven that we know how to win and do it now.

“We used this Vegas series a few years ago (as motivation). I think (our motivation now) is the desire to win again, how we felt what we feel – and that’s a really good feeling for sure. So being able to do it again is the goal now.

Another climb. One more grind. Johnson, who turns 35 next March, is looking forward to it.

“I didn’t know how I was going to feel after our win,” Johnson said. “But I’m so excited. I just want to start all over again.

“I mean, it was such a blast. Every guy’s dream in this locker room has come true. And the only way to do it (is) to do it again. I think we have a team that can do it again.

The problems are still piling up for many of our Highland businesses

0
David Richardson, regional development manager at FSB.

The tumultuous events of the past 12 days have gripped the country, with the Elizabethan era coming to a sudden end and the dawn of the time of Charles III.

But, as sad, emotional and challenging as it all is, the minds of many business owners in Inverness and the wider Highlands are preoccupied with events closer to home: their bottom line.

With skyrocketing energy and other costs, interest rates expected to rise further, debts such as rebound loans to be repaid, severe shortages of key personnel and certain materials and, of course, with increasingly fragile consumer demand, it’s no wonder that business confidence is plummeting .

As the FSB and media commentators continually point out, the UK as a whole is in dire straits and businesses need help.

And while the Prime Minister’s recent announcement of energy price caps for businesses as well as domestic users is extremely welcome, we need to know what this means in practice before we can properly assess it.

But the help should not stop there. We want the government to ensure that businesses are not left on the brink once the six-month price cap expires, to reverse the next hike in National Insurance contributions and to reduce fuel taxes and VAT, particularly on non-domestic energy.

We also expect Highland Council to use the nearly £3m Covid Business Support Grant currently underspent in its coffers to support local small businesses through the winter.

Finally, in this time of danger for businesses, economies and local communities, nothing new should be introduced that risks making the situation worse.

The FSB is asking Highland Council to freeze fees and charges in areas such as waste, licensing and planning, as well as rents on its commercial properties for at least two years.

It is very important to note that the introduction of controversial and costly innovations such as the short-term licensing system, the deposit and return system and the local visitor tax should be suspended until the economy stabilizes.

Why play with the life of companies and the jobs they offer?

David Richardson is Highlands and Islands Director for the Federation of Small Businesses (FSB).


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

Predatory payday loan companies and fraudsters thrive amid unequal laws and stolen data

0

As consumers have lost their jobs and struggled to make ends meet during the COVID-19 pandemic, many have turned to payday loans and other short-term solutions, with an increase in solutions in line. This has not only allowed predatory lenders to thrive – many borrowers still face exorbitant interest rates and opaque fees – but has also created a fertile environment for scam artists, according to a new in-depth study from the Better Business Bureau. .

From 2019 to July 2022, BBB received nearly 3,000 customer complaints about payday loan companies, with a disputed dollar amount of nearly $3 million. In addition, more than 117,000 complaints have been filed against debt collection companies at BBB.

Complainants often said they felt ill-informed about the terms of their loans. Many fall into what consumer advocates call a “debt trap” of racking up interest and fees that can force customers to pay double the amount originally borrowed. A St. Louis, Missouri woman recently told BBB that over the course of her $300 loan, she paid over $1,200 and still owed an additional $1,500.

The scammers haven’t missed an opportunity to take advantage of consumers either. Posing as payday loan companies and debt collectors, scammers use stolen information to trick consumers into handing over banking information and cash. In one case, BBB discovered that hackers had stolen and released detailed personal and financial data for more than 200,000 consumers.

The BBB study advises consumers to thoroughly research all of their borrowing options — as well as the terms of a payday loan — before signing anything for a short-term loan.

Inverness teenager accelerates street food trade with The Treat Truck

Inverness teenager Hannah Munro has launched a business expansion – going from a trike to a truck.

The 18-year-old, who is an admirer of the local food scene, started her business The Treat Trike about a year ago.

It consisted of a three-wheeled bicycle with a counter and umbrella, and sold a selection of pancakes and waffles to hungry customers.

But over the past six months, the entrepreneur has expanded the business by replacing his popular trike with a street food trailer, now known as The Treat Truck.

From tricycle to truck

The Treat Trike was undeniably popular among the local community.

Hannah said: “With the success of The Treat Trike, I decided to expand my street food business.

“And I recently had the good fortune to be able to purchase a silver airstream-style trailer.”

Kinder Bueno crepe.

This trailer – 12.5ft x 7.2ft x 8ft – allowed Hannah to serve a wider variety of dishes and gave her the flexibility to attend many different events.

The Treat Truck opened its hatch at the Highland Food and Drink Trail, on Ness Walk in Inverness, for the first time last weekend.

Alongside her role as head of The Treat Truck, Hannah has also worked for a small local bakery which has been producing a wide variety of cakes for local cafes since she left school.

She runs her own home baking business in which she also produces party cakes and cupcakes.

The candy truck on Ness Walk.

Haggis and Pepper Baked Potatoes

The trailer was purchased new and only needed fitting out.

Next, it was time for Hannah to whip up a mouth-watering menu.

Baked potatoes stuffed with chili, tuna and sweetcorn or chicken and bacon – served with salad and coleslaw – are among the savory options, along with original and loaded nachos.

The original nachos contain jalapenos, guacamole, salsa, sour cream, and queso sauce, while the loaded nachos contain chili, queso sauce, and sour cream.

Filled nachos.

As for the sweet tooth, pancake toppings include everything from marshmallows, whipped cream, cookie crumbs and banana slices to milk chocolate sauce, cinnamon sugar, Biscoff sauce and sugar cane. lemon.

Hannah said: ‘If you are a tourist in the area I would recommend a baked tattie with haggis and peppercorn sauce as it is a very Scottish dish.

“My loaded nachos are also proving very popular.

“If you fancy something sweet, our Biscoff pancakes are very delicious.

Hannah inside the trailer.

She added: ‘I have already applied for my street trader’s license and will be appearing in many places in and around Inverness very soon.

Hannah currently only trades a few weekends per month. For all updates, visit The Treat Truck on Facebook.

Already subscribed? Login

[Inverness teen revs up street food business with The Treat Truck]

[[text]]



Despite gloomy forecasts, Highland Council says its finances are in good shape to weather the storm

0
Seat of the Highland Council.

The latest HIGHLAND Council financial documents reveal the impact of inflation and pay disputes, with a forecast overrun of £9.6million in the revenue budget.

Paying this will halve the council’s financial reserves. At the same time, the board can no longer afford the members of the capital plan agreed in December.

But despite forecasts, the administration says it is in a strong position to weather the storm.

The Highland Council’s Business Revenue Report outlines overspending across several departments, including the economy and infrastructure, housing and communities.

The council expects a spending overrun of £9.6m at the end of the year.

There are two main budget pressures.

First, staff pay disputes. The board had originally budgeted for a 2% wage increase, but that was before the recent strike. Cosla rejected their last offer of 5%, so the final wage bill keeps rising.

Then there is the broader economic climate and rising inflation. It should be noted that the departments of the Highland Council affected by the materials are those whose budgets are increasing.

For example, community leadership is struggling with the rising cost of fuel and vehicles. In the economy and infrastructure, it is bus contracts. And housing services are facing spiraling bidding prices and supply chain issues.

The good news is that the board has healthy unrestricted reserves, which are currently at the recommended level of 3%. However, half of those reserves will be eaten up by the expected overrun of £9.6million.

This leaves the board with depleted funds to cover future losses.

Perhaps surprisingly, board leaders were optimistic at a recent meeting of the corporate resources committee.

Finance boss Ed Foster said the council is tackling budgetary challenges from “a position of considerable strength”.

New President Derek Louden agreed, paying homage to some of the previous administration. These included Alasdair Christie, former budget chief and now leader of the opposition; former corporate resources chairman Jimmy Gray and organizer Bill Lobban, who leads the board’s redesign council.

Cllr Louden said the SNP had worked collaboratively over the last political term because it was “the right approach” in difficult times. Now, he said, the board must maintain that spirit.

“We had Brexit, we had Covid, and now, just as the sun came out, we have runaway inflation,” he said. “Some of us barely remember the 1970s, which was the last time inflation was this high.

“It is very difficult for the council, but we need to think as much as possible about the people, businesses and charities who have to deal with this. We must help as much as we can.

He said the administration will present a report at the September full board meeting, exploring how to support people through the cost of living crisis.

Opposition Leader Cllr Christie took aim at the detail of the financial documents.

“We need to do something quickly to get more up-to-date information,” he said. “We need better financial data to enable us to make decisions. Talking about the first quarter in September is not acceptable.

Council leader Raymond Bremner replied: “Step back five years to when I said we needed to revise our reports for more up-to-date information. Cllr Louden too. Cllr Christie was in admin then, so I’m not surprised he’s asking now too.

Cllr Christie later clarified that he had changed the reports, but they had since reverted to the old approach.

Cllr Louden said the council needed to maximize revenue and better manage assets, but Cllr Christie said much of this work had been underway for years, pressing council leaders for a detailed timeline.

“Halving our reserves is drastic,” he added.

Mr Christie asked the chief executive to share her concerns, including any plans to cut vacancies and “reduce the size of the establishment”.

Donna Manson pivoted, saying “collaboration is the answer” to Highland Council’s budget problems. He will use his strong professional connections to find a way out.

Host Bill Lobban also gave a positive note.

“No one could have ever imagined the situation we find ourselves in today,” he said. “But thanks to careful financial management in the past, we are in a better position than many and we will weather the storm for the people of Highland and for our staff.”

The board should exercise prudence in borrowing

Not all councilors were convinced that council finances were “prudent”. New member Angus MacDonald said his ‘jaw dropped’ when he realized Highland Council’s borrowing exceeded £1.1billion, with borrowing costs of £80million.

Mr MacDonald pointed to the risk posed by rising interest rates coupled with a decline in central Scottish government funding.

The chairman offered assurances, pointing out that the board had more than £2billion in assets. Ed Foster also clarified that capital budgets are usually based on grants and loans, and – unlike the private sector – this is weighed against future revenue streams.

However, Mr. Foster took stock of interest rates. He said some of the council’s old debt was at historic rates as high as 11%, but any future borrowing is vulnerable to increases.

Therefore, the board’s medium-term capital plan needs to factor in a higher repayment rate in new borrowing.

This means that the medium-term budget – which was only approved in December 2021 – now looks unaffordable.

At the time, the plan prompted the vice president of corporate resources, Matthew Reiss, to resign from his position, accusing the board of not being honest about the state of its finances.

Now members are working behind closed doors on a new draft of the plan. Several projects, including new schools funded under the Scottish Government’s Learning Estate Investment Plan (LEIP) look fragile.

Mr. Louden said that a more detailed report on the capital plan will be provided to members later this year.


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

A busy week for Liz Truss as the premiership is about to kick in

Liz Truss’ premiership will kick into action this week after a political break to mark the Queen’s death, with a busy schedule of politics and diplomacy to follow the state funeral.

Normal activity in Parliament has been frozen since the death of the late monarch, with business in both houses halted for a period of mourning.

All eyes will be on Westminster Abbey for Monday’s service as the Prime Minister joins hundreds of dignitaries from around the world to say a final farewell to the Queen.

Ms Truss is expected to fly to New York for the United Nations General Assembly after the funeral, where she has a key bilateral meeting with US President Joe Biden.

Liz Truss will hold a full bilateral meeting with Joe Biden on Wednesday (Jonathan Hordle Media Assignments/PA)

Back in the UK, MPs will return to Westminster on Wednesday, where those who wish can take a new oath or affirmation to the king.

The PA news agency understands that Business Secretary Jacob Rees-Mogg will also present further details of the Government’s plans to help businesses through the energy crisis.

Health Secretary and Deputy First Minister Therese Coffey is due to outline her vision on Thursday for seeing the NHS through the winter months.

Mr Kwarteng’s mini-budget, focused on tackling the cost of living crisis and reviving growth, will then be presented on Friday.

He is expected to confirm Ms Truss’ plans to reverse the National Insurance hike and cancel a planned corporation tax hike.

It also plans to drastically reduce personal taxes in addition to business levies in its proposed “investment zones”, dubbed “full fat freeports”.

Kwasi Kwarteng will present his mini-budget on Friday (Kirsty O'Connor/PA)
Kwasi Kwarteng will present his mini-budget on Friday (Kirsty O’Connor/PA)

It has been suggested that the Chancellor will pursue an initiative to remove the cap on bankers’ bonuses, although the Palestinian Authority understands that no final decision has been made.

With the so-called ‘fiscal event’ dominating the political agenda on Friday, there will be little breathing room before it is Labour’s turn in the spotlight as the party travels to Liverpool for its annual conference.

MPs were due to take a break on Thursday but will now be asked to sit an extra day to spend time on the Chancellor’s mini-budget.

Ms Truss’s tax cut proposals were the cornerstone of her campaign for the Conservative leadership which saw her rival ousting Rishi Sunak with 57% of the vote.

But the plan to roll back the National Insurance increase has been criticized by some for directly benefiting high earners.

Economic analysis suggests the country’s three million poorest households will earn just 63p a month from the move, while the wealthiest will keep an additional £150, according to the Times.

When MPs returned to the Commons this week, having taken time off from political business following the Queen’s death, Speaker Sir Lindsay Hoyle said he hoped ‘we can be slightly better for each other’.

“When the House needs it, it comes together, and it’s by far at its best,” he told Westminster Hour on BBC Radio 4.

“And I think it was wonderful to be a Speaker where the House is united. I don’t think I will ever see the House as good and as great again. I would like to believe it.

“I hope from now on we can be a little bit better towards each other, we can show a little more tolerance and certainly a lot more respect towards each other.

“And I would like to think that will be the way we move forward. It will be a wonderful legacy for the late Queen and for the new King in the future.

Preview: Motherwell v Hearts – predictions, team news, line-ups

0

Sports Mole previews Sunday’s Scottish Premiership clash between Motherwell and Hearts, including predictions, team news and possible line-ups.

On the strength of a Europa Conference League victory in Latvia in midweek, Hearts will be aiming to get back to winning ways in the Scottish Premiership on Sunday, when they travel to Fir Park to do battle with Motherwell.

Both teams find themselves level on 10 points after six outings, with only Celtic and Rangers leading at this stage, but both will be looking to bounce back from disappointing results ahead of last weekend’s postponements.


Match preview

© Reuters

After their season got off to a disappointing start with a 3-0 aggregate loss to Sligo Rovers in Europa Conference League qualifying, ruling out the possibility of any further continental action this term, Motherwell began their Scottish Premiership campaign on the foot with a 1-0 win at St Mirren thanks to Kevin van Veenon penalty.

Steven HammelThe men would then suffer a home defeat to St Johnstone but they managed to bounce back in impressive fashion with back-to-back wins, first beating Aberdeen 3-2 away from home, after coming from behind to snatch the three dots. thanks to second half goals Callum Lattery and van Veen.

This was followed by a 1-0 home win over Livingston to improve to nine points from four outings, van Veen again finding the net to seal the points, before The Well suffered a narrow 2-1 loss at Kilmarnock , after leading through the in-form van Veen until the 70th minute, only to Danny Armstrong and Ash Taylor to quickly turn the game around.

Hoping to bounce back from that loss, and following a 4-0 thrashing of Inverness Caledonian Thistle in the second round of the Scottish League Cup, in which van Veen added three more goals to his tally, Motherwell recently faced Dundee United on home soil, and they had to settle for a point as neither team could break the deadlock.

Now sitting on a pleasant tally of 10 points from six games, and following an extended break following the postponement of their scheduled match with Ross County last weekend due to the death of Queen Elizabeth II, the Hammell’s side will be looking to make a return to winning ways to edge out any of the teams battling around them at the top of the Premiership.

Hearts manager Robbie Neilson pictured on October 31, 2020© Reuters

Hearts, meanwhile, will travel with renewed confidence after a Continental victory, after a somewhat mixed start to the term.

The Jam Tarts got off to a fast start in Scotland’s top flight with victories over Ross County and Dundee United, either side of an agonizing draw with rivals Hibernian, as Martin Boyle equalized in the 95th minute for their opponents but then failed to qualify for the Europa League group stage, losing 3-1 on aggregate to FC Zurich.

A first league defeat of the season against Celtic came between the two legs of that draw, but they managed to find their way back to winning ways against St Johnstone with Lawrence Shankland wrapping up a 3-2 win with an 81st-minute penalty, to suffer back-to-back 1-0 defeats to Kilmarnock and Livingston in the Scottish League Cup and Premiership respectively.

Their losing streak was extended to three games by a 4-0 loss at Istanbul Basaksehir in their Europa Conference League group stage curtain-raiser and, after also being hit by domestic postponements over the weekend end, Robbie NeilsonRigas Futbola Skola side returned to action on Thursday and were able to score their first points in a 2-0 victory, thanks to goals from Shankland and Alan Forest.

Now with renewed confidence from that win after a tough run, Hearts will be aiming to get their league form back on track with what would be an important win on Sunday in their bid to crack the top three.

Form of Motherwell Scottish Premiership:

Motherwell form (all competitions):

Form Hearts Scottish Premiership:

Shape of hearts (all competitions):


Team News

Craig Gordon of Hearts on January 26, 2022© Reuters

The Motherwell line will again be led by key man Kevin van Veen, who has scored seven of his nine goals in all competitions so far this season, including four in six league appearances.

New signature Matt Penney will keep his place on the left side of the back four, while Huddersfield Town on loan Rolando Aarons will push to be ahead of him on the wing.

Prolific striker Louis Moultwho left in 2018, recently joined Burton Albion on loan, and he is also in contention to make the top three, while the midfield unit of Sean GossCallum Slattery and Ross Tierney should remain unchanged.

Hearts stay without aggressor Liam Boyce and midfield Beni Baningime due to long-term injuries, while the centre-back Kye Rowles was also in the running for the trip to Rigas.

Craig Halket returned to defense after his own layoff, and he could join Stephen Kingsley in the middle of the back four with Nathaniel Atkinson push to move Michael Smith on the right side and Cammy Devlin and Jorge Grant ready to continue operating in the engine room.

In Boyce’s absence, Lawrence Shankland will continue to lead the line, having already scored five goals in all competitions since his summer arrival from Beerschot, while competition for other attacking positions is heated. Josh Ginnelly, Barrie McKayAlan Forest, Gary Mackay-Steven and Stephen Humphrys all vying for the starting places.

Possible starting lineup from Motherwell:
Kelly; McGinn, Lamie, Johansen, Penney; Goss, Slattery, Tierney; Mue, Van Veen, Aarons

Possible starting composition of Hearts:
Gordon; Atkinson, Kingsley, Halkett, Cochrane; Grant, Devlin, Halliday; McKay, Shankland, Forrest


SM words green background

We say: Motherwell 1-2 Hearts

Hearts are yet to be at their best in the Scottish Premiership this season, but Neilson have a solid squad at their disposal and, after a confidence-boosting win in Rigas, they should have what it takes to start winning again. lanes at Fir Park.

For a data analysis of the most likely outcomes, scores and more for this match, please click here.


Trick

Our expert tipster partners at Sporita.com are predicting over 1.5 goals in this game. Click here to find out what else they predict for this game and for more of their proven football tips.More than 1.5: data


ID:494804:1false2false3false:QQ::from desktop database:LenBod:collect14121:

Email Insights

Click here to get sports moleThe daily preview and prediction email for every major game!


Highland Council’s HERO program is a true hero for young Codie and her employer

Learning Codie Cargill through HERO.

HIGHLAND Council’s HERO employability scheme is helping to support a young worker from Inverness as she embarks on a modern apprenticeship in business and administration.

Codie Cargill, from Pure Lubrication, based in Inverness, who took up her new role in May, said: “The HERO program has helped me with financial support which has allowed me to start my apprenticeship.

“Since Pure Lubrication is a small company, without the HERO program, I might not be where I am today. It allows me to continue learning, developing and gaining a qualification, and it also helps Pure Lubrication to develop its own business.

“In my role, I’m gaining a lot of useful knowledge and skills that I can transfer to other areas of business and I really appreciate the support from the team along the way.”

Simon Campbell, Managing Director of Pure Lubrication, said: “The Highland Employment (HERO) recruitment opportunity is a fantastic initiative which has given Pure Lubrication the opportunity to create a new role to support the growth and development of our company.

“It also gave us the chance to recruit, train and develop a new team member and give them a chance to build a career with a young and exciting company, train and develop them to be become a valuable member of the team with a secure job and a bright future.

“The funding we received through HERO allowed us to onboard Codie, which from day one has been a great experience for Codie and the Pure team.”

He added, “Growing a business is not without its challenges and for a young company like ours, HERO has truly been our hero supporting our strategy of investing in people. We are absolutely thrilled with the support HERO has given us and highly recommend the program to all eligible businesses.

HERO is funded by the Highland Council and the Scottish Government through the No One Left Behind and Young Person’s Guarantee funding streams. It helps people of all ages and facing the greatest barriers to employment find and keep a job.


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

Highland Council presents £3.2m package proposals to ease crisis as survey finds a third of households are fuel poor

0
Council leader Raymond Bremner.

Highland Council is to consider a £3.2million package of proposals to help ease the impact of the cost of living crisis on its residents.

In the latest published figures from the Scottish Household Survey Report 2019, 33% of households in the Highlands were fuel poor, compared to a Scottish average of 24%.

And 22% of Highland households were in extreme fuel poverty, compared to a Scottish average of 12%. This survey predates the current energy price crisis, so the current scale in Highland is likely much larger.

Related: The cost of living crisis is more urgent than the pandemic

Members will be asked to allocate one-time funding of £3.223 million from the council’s unrestricted reserves for the provision of direct support and community-led initiatives, under a number of recommendations at next week’s Highland Council meeting.

Using these unrestricted reserves, it is proposed to make one-time payments of £145 each to approximately 17,400 council tax payers who benefit from some form of reduction in their council tax bills through a reduction of means-tested municipal tax or exemptions from municipal tax, depending on personal circumstances.

Members will also be asked to agree to an extension of free school meal payments to cover weekends during the remaining school holidays until Easter 2023.

The Highland Council also intends to learn from the experiences of the pandemic and proposes to establish a Highland-wide grant fund to help communities respond to the cost of living crisis.

Community-led support allows for a local response to meet local needs that will complement any individual support payments.

Grants of up to £10,000 per organization would be made available for the purpose of this grant fund to enable community groups to provide local activities and support.

The criteria proposed for the fund are as follows:

  • Provide community support initiatives that provide food/activities
  • Improve existing supply by extending local opening hours or introducing/increasing food supply
  • Adapt the existing offer to meet identified local needs
  • Reinforce or establish pantries or catering tables
  • Members will also be asked to approve a recommendation to provide one-time funding of £0.050 million to FareShare to purchase food for distribution in the Highlands.

As well as the social services provided by the council’s social support team, the local authority funds Citizens Advice to provide advice on income maximisation, debt and housing. The council is also engaging with COSLA on the impacts of the crisis and considering the options available to local authorities to help.

Many municipal tenants in Highland are among the lowest income households, but face the highest energy costs due to utility company policies that limit social tenants to prepaid meters.

Preliminary work has taken place to model some of the potential measures to achieve efficient targeting of resources and the use of new technologies for heating. In the meantime, the Housing and Property Committee has approved the use of HRA balances of up to £160,000 this year to fund additional support to help tenants directly with special independent energy advice and access financial support.

Highland Council leader Raymond Bremner said: ‘One of the main aims of the wellbeing proposals presented in this report is to enable communities in the Highlands to eat, keep warm and continue to live in safety. in their homes.

“The proposals are intended to help alleviate significant pressures affecting households across the Highlands. We do not have the legal or fiscal powers to decide on the necessary legislative and structural changes, or financial support programs, to alleviate or remove the cost of living crisis for Highland residents. However, we will seek to work with the Scottish Government, with a view to engaging with utility companies to seek more preferential energy tariffs for social tenants in Highland.

He continued, “The board is also experiencing a cost crisis. We are under significant pressure on our finances, primarily due to the effects of the current surge in inflation. While we do all we can to care for the most vulnerable people in our communities, we also need to consider how we can cut our own purse strings to make ends meet.

“We are facing a potential overrun of £9.6m on the current year revenue budget and the report to the board projects a budget gap of £40.9m for 2023/24.

“Given the broader economic uncertainty, no absolute figures are provided for fiscal deviations in subsequent years, but deviations are expected to be large and of a similar magnitude to 2023/24 if high inflation persists.”

Measures already underway to deal with rising costs include reducing the board’s asset base and therefore reducing energy consumption. Rationalization of assets and a reduction in energy consumption will also help the local authority achieve its statutory net zero targets.

The council will continue to monitor the supports available from the UK and Scottish Government, fluctuations in the rate of inflation and wider factors which impact the cost of living for our residents and the council and further reports to the council will be provided in the coming months. .


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

The Highlands risk becoming ‘glorified retirement communities’

0

Guy Adams has already had to close his hotel restaurant this season. He now fears that without a reduction in currently quoted energy prices, the entire premises will have to close for a year.

He and his wife Teresa Jenkins have run the Isle of Barra Beach Hotel for 16 years but have struggled to find staff since Brexit.

Normally, around 50-60 people respond to vacancies, but the latest vacancy in February did not attract a single candidate.

The closure of the restaurant has drastically affected bar revenue at the same time as costs are rising.

A planned increase has seen the hotel’s electricity costs fall from a budget of around £25,000 a year to £120,000, although intervention by the Prime Minister may reduce this.

“That’s a potential increase of 377%. If we increased room rates by that amount, we wouldn’t sell any.

Is it possible to continue?

“We now have to consider whether it is possible to continue, or do we just have to close for a year and see what happens.

“That may be the cheapest way out.”

Current uncertainty over costs means it is unable to offer firm prices for the 2023 season to potential visitors.

“When people call to book for next year, we currently cannot offer a firm price for 2023 because we don’t know what our energy and other suppliers’ costs will be.”

The story is familiar to Highland and Island businessmen.

The Federation of Small Businesses (FSB) warns that rising costs, shortages of staff and equipment and cash-strapped consumers mean things will get worse before they get better.

Guy Adams and his wife Teresa Jenkins had to close their hotel restaurant.

He fears parts of the region could become “glorified retirement communities” without help.

Sally Lessi closed the restaurant she and her late husband ran for 20 years when problems running the popular business outweighed the benefits.

The Anchorage Restaurant in Leverburgh had built a solid reputation, but Sally eventually felt she had no choice but to convert the premises into independent premises.

“It’s a major loss for Harris, but I just couldn’t go on.”

Lack of staff prevented it from providing ideal service, leading to customer complaints and poor reviews on Tripadvisor.

Rising costs are also taking their toll: “Even last year, costs were skyrocketing and I had to start paying back bounce loans. It’s much worse now.

And there’s the uncertainty over ferry trips to the islands: “It really makes you wonder if it’s worth trying to run a business in the Western Isles.”

Call for support from key workers

Sam Faircliff, managing director of the Cairngorm Brewery, would like to see support for key workers to obtain affordable housing in rural areas.

The Winking Owl bar and restaurant in Aviemore, owned by the brewery, is one of many similar businesses due to close on Mondays and Tuesdays due to a shortage of staff.

“Having a high season in July and August where we could only open five days a week was heartbreaking.

“It’s so unfortunate that we can’t open for seven days due to a shortage of people who already live here and it’s impossible to move staff to the area as they can’t find anywhere to stay.”

She said many people took jobs and then turned them down because they couldn’t find affordable housing.

“When there are properties for sale, they are also of a size that people looking for holiday homes are looking for. This is what the locals are up against. »

Sally Lessi has closed her restaurant.

She said a system where key workers, including those in the hospitality industry, can earn points for being allocated suitable accommodation would help when prices are prohibitively high.

“These are workers looking to settle with families in areas where tourism is vital to rural communities.”

Fiona Campbell Trevor, co-owner of the Eddrachilles Hotel in West Sutherland, said EU workers have been missing since Brexit.

It was one of the first three hotels in Scotland to be fully accredited by the Living Wage Foundation.

“However, add staff shortages to the sudden and massive increases in costs we all face, and being a hotelier in the North West Highlands is an uphill struggle.”

The FSB believes that more than a few stormy years lie ahead due to the underlying, long-term problem of an aging and declining population.

Businesses and communities “feed off each other”

The population has fallen, and is expected to fall further, in parts of the region, notably in the Outer Hebrides, Caithness and Sutherland and Argyll and the Isles.

These areas are designated as potential resettlement areas, to be targeted for coordinated assistance with issues such as affordable housing, inadequate infrastructure and lack of jobs.

“Vibrant businesses create vibrant communities, and the two need each other to function well – they feed off each other in symbiosis,” says David Richardson, Highlands Development Director and islands at FSB.

“Simply put, if we want thriving communities with balanced populations and the sound of children’s voices resonating as they play, we need thriving businesses.

“The alternative is glorified retirement communities, many of which are shrinking every year.”

Staff shortages are holding back many companies, as successive FSB investigations have shown. Last year, this was a problem for almost half (47%) of the Highlands and Islands.

Sam Faircliff, Managing Director of Cairngorm Brewery.

Earlier this year, a study by The Mull and Iona Community Trust said accommodation is needed for at least 260 staff across the islands, hampering the economy.

SkyeConnect research has shown that between 1,300 and 1,700 vacancies on Skye go unfilled because workers cannot find accommodation.

And a Lochaber Chamber of Commerce survey found that 66% of businesses had problems recruiting or retaining staff.

It used to be that EU workers helped fill vacancies – a 2017 FSB survey showed 41% of Highland employers had at least one EU worker – but that source has largely evaporated.

The federation has called for a range of measures including reversing the National Insurance hike, cutting VAT – especially on non-domestic energy – and fuel tax.

It says any unspent Covid support should be reallocated to help businesses this winter.

Where should the money be spent?

According to a report by Audit Scotland, some of the pandemic funding remains unspent. By the end of 2020/21, over £2billion had been added to reserves by Scottish government and councils, but it is not possible to say how much came from Covid-19 funding.

Mr Richardson said: “If the money has been allocated to specific support programs and not spent, and there is no real prospect of it being spent on its original purpose, then we argue that it should be used now to support businesses through the long winter ahead. .”

He wants the money to be invested in affordable housing, public transport, roads and digital and for the money to target deprived rural areas, rather than more prosperous areas like Inverness.

“Inverness may be the economic engine of the region, but it doesn’t have to be the only engine.

“It’s about narrowing the gap between haves and have-nots, not widening it.”

A Scottish government spokesperson said it was focusing resources where they will make the biggest difference to people and businesses.

He said the 2021-22 interim earnings statement shows it was fully allocated and there was no underspending of Covid business support funding.

Are you interested in more exclusive and breaking news about the P&J Highlands and Islands? If so, why not join our dedicated Facebook page HERE

Already subscribed? Login

[Highlands’ risk becoming ‘glorified retirement communities’]

[[text]]



Aurora Prep Sports Schedule, 9.15.22

0

DAWN | Aurora’s pre-sports schedule for Thursday, September 15, 2022. Weather/field conditions permitting, the schedule is subject to change:

Courtney Oakes is sports writer for Sentinel Colorado. Join it at [email protected] Twitter: @aurorasports. IG: Sentinel Prep Sports

SOCCER

Grandview Monument vs. Fruita at Stocker Stadium, 6 p.m.
Overland vs. Heritage at LPS Stadium, 6 p.m.
Rangeview vs. Aurora Central at APS Stadium, 6:30 p.m.
Ralston Valley at Regis Jesuit, 7 p.m.

VOLLEYBALL GIRL

Regis Jesuit at ThunderRidge, 5:30 p.m.
Vista PEAK at Skyview, 5:30 p.m.
By land to Gateway, 6:30 p.m.

BOYS SOCCER

Douglas County at Regis Jesuit, 3:30 p.m.
Aurora Central at Overland, 4 p.m.
Cherry Creek to Cherokee Trail, 6 p.m.
Eaglecrest at Rangeview, 6:30 p.m.

SOFTBALL

Grandview to Cherokee Trail, 3:45 p.m.
Aurora Central at Skyview, 4 p.m.
George Washington at Overland, 4 p.m.
Vista PEAK vs. FNE Warriors at Evie Dennis Campus, 4 p.m.
Mullen at Eaglecrest, 4:30 p.m.
Rangeview at Kennedy, 4:30 p.m.

BOYS TENNIS

Rock Canyon vs. Regis Jesuit at CAC Inverness, 3:30 p.m.
Cherry Creek V1 at Grandview, 3:45 p.m.
Eaglecrest at Arapahoe, 3:45 p.m.
Mullen at Cherokee Trail, 3:45 p.m.
Overland to Smoky Hill, 3:45 p.m.
Rangeview vs. Hinkley at East MS, 4 p.m.
Vista PEAK at Denver East, 4 p.m.

Bright red brick four-bed in the heart of Dún Laoghaire for €995,000 – The Irish Times

0

Address: 2 Dungar Terrace, Dun Laoghaire, County Dublin

Price: €995,000

Agent: DNG

View this property on MyHome.ie

What connects the town of Dún Laoghaire in South County Dublin to Grantham in England and Inverness in Scotland? Answer: They are finalists in the Town & Small Cities category of the Academy of Urbanism Awards 2023. The academy, based in Cambridge, is a politically independent non-profit organization whose many members include individuals and organizations involved in the management and policy development, academic research and teaching, urban planning and design, community leadership and urban change, arts and cultural development, infrastructure and engineering, property law and management, politics and media.

Its urban planning awards recognize the best, most sustainable or improved urban environments in the UK, Ireland and mainland Europe, and Dún Laoghaire’s nomination cites the Coastal Mobility Cycle Route and Village PR project. ” from the city. [that] connects urban villages, bathing spots, promenades and parks along the coast”, and notes its “highly successful, inexpensive and transformative ‘tactical town planning’ carried out as a ‘temporary measure’ at the start of the pandemic” .

These and other projects have raised the city’s profile as a vibrant center of activity on land and sea, with sailing clubs, piers and the People’s Park, as well as the library, cinema, theater, colleges and a wide choice of shops. On George’s Street, Dunnes Stores continues the line of the city’s first department store, which social businessman Edward Lee opened in the late 1800s. It runs along the corner of Northumberland Avenue and backs onto Dungar Terrace, a short, charming cul-de-sac of 12 red-brick houses that Lee commissioned from architect William Kaye-Parry for his employees and which were completed in 1910.

On the right when entering from Northumberland Avenue, at number 2, begins the row of red bricks, each with a side passage: very practical on a terrace for storing bicycles and bins, and very cute in this case with their semicircular arches and wooden gates.

Last sold in 2020 for €800,000, number 2 is back on the market via DNG with an asking price of €995,000. Over the past six years, issues 1, 3, 5 and 7 have also sold out; the most recent sale recorded in the property price register is that of number 3, for €736,000, last year. The previous owners have re-wired, re-plumbed, upgraded and extended the home, and the current owners have added their own subtle accent, respecting the period character and enhancing modern conveniences. Ber is C1.

Original Edwardian stained glass with stylized tulips decorates the blue front door and the upper panels of the square bay windows. The door opens into a hall painted pale with simple cornices and polished wooden floors that continue throughout this level.

From here to the left is the living room with unfinished wooden shelving, an open fire and a marble fireplace. Folding doors connect it to the aft reception room, which is painted in cozy Wedgwood blue and has a built-in stove. From here you can exit to the south facing paved courtyard garden or through a square opening to the extended kitchen/dining room.

This bright rectangular space is lit from above by a long skylight, as well as windows and patio doors overlooking the courtyard garden. The luminosity is accentuated by the gray floor, the light quartz worktops and the simple wooden fronts, with a few white cupboards at eye level. A glass door leads to the hall, past a stylish bench seat and utility cupboard, and the basement toilet is very well appointed.

Upstairs on the return are a family bathroom and a small bright bedroom used as an office. On the upper landing, a rear children’s bedroom, bringing in southern light through a large sash window, has wallpaper that gathers on the tiles of the cast iron fireplace.

Three front windows light up the master bedroom, where there is another beautiful fireplace. Storage is admirably minimalist in this house, with a wardrobe on the wide landing. The fourth bedroom, a simple second with shelves set into a narrow niche, is also on this level.

With 136 square meters (1,403 square feet) of smartly appointed and well-maintained space, Number 2 is a very convenient home, close to the Dart and many buses, close to many schools, and with acres of public space just outside the ramped front garden. The Academy of Urbanism will assess the success of this mix this month during its visit to judge it based on local character, amenities, sustainability and community, health and well-being, among other criteria. Winners will be announced in November.

The Inverness man is City Mobility’s longest-serving customer as the company celebrates 20 years in business

Click here to sign up for our curated newsletters!

Brian taking delivery of his next new scooter and a basket of locally sourced thank you chocolates from City Mobility’s “The Chocolate Place” for being his longest serving Motability customer.

A SPECIALIZED regional company that has helped hundreds if not thousands of people with reduced mobility across the Highlands celebrates its 20th anniversary this week.

And to mark the occasion, City Mobility delivered a man from Inverness his new scooter and a basket of chocolates to thank him for being their most loyal customer.

Brian Kane has rented a scooter through the program since 2010.

City Mobility is the only company north of the central belt that, in addition to private sales and servicing, works in partnership with national charity Motability to provide electric wheelchairs and scooters to those in need .

He does this work through the National Charity Hire Scheme, covering from Aberdeen to the Western Isles and from Shetland to Fort William.

Mr Kane said: “The program is fantastic.

“I just pay a fixed weekly amount and don’t have any other bills to pay because everything is included.”

Carol Elliot, Managing Director of City Mobility, said: “Brian was due to receive his fifth new scooter as we celebrate our 20th anniversary as a company, so we wanted to give him something special to mark the occasion.”

Information about the program can be found here for those wishing to learn more.


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

Meet the Founder of Executive Magazine’s 40th Anniversary

Rachel Smart, Darrel Paterson, Bob Dalgarno and Alison Barron. Photo: Callum Mackay.

It’s 1982. The year the Kessock Bridge was built, the birth of MFR, the launch of Channel 4 and the release of Come on Eileen – still a banger.

However, for us, 1982 is the most significant as it was the year Executive was first published.

Four decades ago, Bob Dalgarno and his business partner Adam Simpson saw a gap in the market for a business-to-business magazine in the north of Scotland. So they started what was then called Moray Firth Executive.

Starting from humble beginnings with their offices in closets in each of their homes, Bob and Adam were the infomercial team, reporter and photographer for the first magazine of its kind in the region.

The current management team (Darrel and Rachel) had the privilege of speaking with the founder, Bob, alongside Alison Barron, who worked in advertising for the publication from 2002 to 2008. Alison still works for Highland News and Media today.

Sitting in the Drumossie Hotel conference room, we quickly began discussing the reason for launching what is still a sought-after magazine today.

PART 1

Starting the conversation, Bob said: “Part of the motivation was to be independent, but also because we decided there was space for a business magazine in the north of Scotland.

“There was Scottish Business Insider at that time, but it was central, so we felt there was an opportunity to serve the business community in the north of Scotland.”

The process of launching Executive was not an easy task and like any other successful business person, they encountered challenges along the way.

“There were hiccups along the way and it wasn’t easy,” Bob said.

“We didn’t have a lot of money and we were both guys with young families.

“We started in a closet in one of our homes, and the ad was in the closet in one of the others. It was humble beginnings, but we were striving to produce a professional magazine for business-to-business advertising.

“We saw this as an opportunity.

“The budget was low, so we were writing it and my colleague Adam was doing photography.

“We would go out together as a joint journalism and photography team – which we weren’t ready to do,” he joked.

“In the meantime, we have sold advertising space.

“We had the support of our families who helped with the writing and so on.”

After encountering financial difficulties, Bob and his team

were grateful when Highland News came along and bought the magazine.

Executive magazines in front
Executive magazines in front of “40” balloons. Pictured: James Mackenzie.

Failing in business isn’t always bad, and it’s often the lessons of this process that propel people into new avenues. It’s how you get up after a fall that matters most.

“We ran out of money with Moray Firth Executive, but Highland News Group came along and we found a way to solve that problem,” Bob said.

“The entrepreneurial spirit took hold again and we said to ourselves, ‘Let’s try again’.”

“If you’re young, self-employed and starting a business, you’ll stumble a few times.

“You just have to keep trying and it works.”

Bob has seen many Highland

and businesses in Moray have grown over the past four decades and fondly remember the construction of the Kessock Bridge.

He said: “I remember when the Goodyear airship came.

“Adam and I took a flight and I still have pictures of the unfinished Kessock Bridge.

A dramatic image showing the south side of the bridge extending towards the black island.
A dramatic image showing the south side of the bridge extending towards the black island.

“There was also a lot of interest in the oil industry at the time.

“Many of the small businesses we visited back then are the big ones here today.”

“The business world has changed, but we have seen many of them set up, grow and build from the beginning.”

Alison Barron, talked about the biggest changes she has seen in the past 20 years as technological developments have changed the way business is done today.

PART 2

She said: “It was a long time ago, but there have been massive changes over the last 20 years, especially with modern technology.

“What I see as the biggest change is finding people’s time.

“Everyone is so busy now. You could go see people before, whereas now there is less time to build relationships.

“Communication is now at your fingertips, with email being the fastest way to do business.

“You have to go through an email process before you can talk to someone now.”

With the changes, Executive Magazine can now produce advertisements for clients and email them for approval. That was not the story 20 years ago.

Alison said: “Back then, when creating ads for a client, we would do ads internally and then get in a car and show it to clients.

“We would have the whole magazine laid out on panels at our printing site on Henderson Road and it would be signed that way.”

Now we can do it digitally and edits can be made until the deadline.

Speaking about the transition to digital, we can now advertise for businesses across our various Highland News and Media platforms, Alison said: “When I talk to customers now, I can offer them the range of our newspaper titles , as well as our websites.

“We’ve been able to expand our geographic reach so companies can elevate their platforms.”

Darrel spoke about Executive Magazine’s latest digital transformation: “You can now subscribe online and receive the magazine straight to your inbox every second Tuesday of the month.

“We’ve also included it in our Highland News and Media app, where you can access all of our headlines.”

Bob commented on what it means to him to see Executive Magazine thriving today, 40 years after its initial launch. He said: “It’s a pleasure to see him now.

“When Darrel got in touch and said it had been 40 years, I had to pinch myself.”

Our plans for Executive Magazine remain the same. Continue to provide a relevant and up-to-date platform for business-to-business communication.

We’re also creating more video content, including sit-down interviews and company insight that will keep people inside the story.

We want to make sure your story is told in a meaningful and relevant way, so others know where to go, when they need you.

The person behind the business is what others invest in and connect with.

So let’s raise a glass to the last 40 years of Executive Magazine, and the next 40 to come!

40 years of management
40 years of management
Executive
Executive
Bob Dalgarno, Alison Barron, Rachel Smart and Darrel Paterson.  Photo: Callum Mackay.
Bob Dalgarno, Alison Barron, Rachel Smart and Darrel Paterson. Photo: Callum Mackay.

If you would like to have your story featured in Executive Magazine and showcase your business across the region, contact Darrel at [email protected] or Rachel at [email protected]

Sign up here to receive the magazine straight to your inbox on the second Tuesday of the month.

Download the HNM app to get the latest Highlands and Moray news at your fingertips.


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

Inverness hairdresser Chris Crook aims to be a cut above cancer charity Marie Curie in a grueling trek through the scorching heat and red rocky terrain of the Grand Canyon and Zion Canyon near Las Vegas in arizona

0
Chris Crook Marie Curie Grand Canyon Event.

A well-known Inverness barber puts down his comb and scissors to cut a strip across the Grand Canyon for cancer charity.

Chris Crook, who has been a hairdressing mainstay in the city for 45 years, will tackle on foot more than 40 miles of the famous gorge and nearby Zion Canyon to raise money for Marie Curie.

Along with the rocky Red Gorge and dizzying terrain of Arizona, Mr. Crook and the other participants will endure scorching desert temperatures on the guided hike after flying to Las Vegas.

He is motivated by the memory of a number of clients, friends and family members who have battled cancer, some of whom have lost their lives, and was particularly keen to raise funds to support research on potential future treatments.

The week-long trip will include five days of hiking and camping, including one particularly spectacular day over the mighty Colorado River.

Mr Crook, who flew to the US from London on Sunday before starting the journey today (Monday September 12), has already raised more than £2,700.

“It will be tough, with each day being filled with six to eight hours of walking over rough terrain in around 37 degree heat and sleeping under the stars,” he said.

“I am thrilled and extremely grateful to everyone who has donated so far.”

Chris Crook Marie Curie Grand Canyon Event.
Chris Crook Marie Curie Grand Canyon Event.

Mr Crook began his hairdressing career in 1977 in Castle Street, mentored by his brother Ralph.

Educated in London at the Allan International London hairdressing school, he opened Chris Crook Hairdressing for Men in 1981 in Castle Street – Inverness’ first men’s hairdressing salon.

To date, he has done over 100,000 haircuts for clients including MPs, lords and actors, including an unnamed French film star who summoned him to Ledgowan Lodge in Achnasheen to cut his hair before d to host the French equivalent of the BBC’s Top Gear show.

The hairdresser is renowned for its continuity in staffing with its loyal team of four – Kathleen, Della, Eva and Gaile – having worked at Chris Crooks for 87 years.

In 1991 Mr Crooks moved barbers to the Crown area and established Connect Ladies Hairdressing in 2008, run by his daughter Meaghan and Suzanne Ewing.

Mr Crook, who is a veteran of past marathons and other charity events, added: ‘I am a proud Highlander and have loved watching Inverness grow over the years.

“I particularly enjoyed seeing the neighboring former Royal Academy building in Inverness become an artistic venue.

“I have an amazing team and I’ve been privileged to have so many amazing clients, many of whom have become great friends.

“We have a great community here in the Highlands and I’m proud to have built my business around it and now donating something to support a charity close to my heart.”

Donations can be made to

– www.justgiving.com/fundraising/Christopher-Crook1

With more event information available at:

https://www.ultimatechallenges.co.uk/challenges/north-america/marie-curie-

cancer-care-grand-canyon-trek/


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

Week in Review: Laura Muir Wins New Balance Fifth Avenue Mile in Record Time

0

“], “filter”: { “nextExceptions”: “img, blockquote, div”, “nextContainsExceptions”: “img, blockquote”} }”>

Access everything we publish when you >”,”name”:”in-content-cta”,”type”:”link”}}”>subscribe to Outside+.

Scottish runner Laura Muir wrapped up her best season as a professional runner with one of the best runs of her career at New Balance’s Fifth Avenue Mile on Sunday in New York.

Running along a 20-block section of what is known as the Museum Mile, the Fifth Avenue Mile is the largest and most prestigious highway mile in the world. However, the runners had to be careful on the wet pavement with the precipitation that fell in the hours preceding the race.

The wet surface didn’t stop Muir, who hails from Inverness, Scotland, from running as boldly as she has all season. She was a silver medalist in the 1,500m at the Tokyo Olympics last year and a bronze medalist at the 2022 World Championships in Athletics in Oregon in July, but she has also won the European and Commonwealth titles 1500m this summer. After running the first half of the race ahead of a large field of women, the 29-year-old pulled away from the peloton halfway through to win with a new race record of 4:14 ,8.

Muir planned his mid-race attack carefully with coach Andy Young. They decided to bluff the peloton halfway through the race where Muir would appear to be aiming for the $1,000 halfway bounty before she surely slowed down to her usual race pace.

More than 8,500 runners participated this year, making it the second largest field in the event’s 41-year history.

“We went out yesterday and watched it and marked where the halfway point was,” Young told Race Results Weekly. “I said, ‘if you go here (you) break ground. If you do this, it’s like a double bluff. People will think you’re going halfway. You’re going to surprise them and carry on.

Muir did just that. She quickly built up a huge lead and her main rivals soon realized she was not coming back.

“I was like, well, Laura really wants the mid-race bonus,” said American Nikki Hiltz who finished second in the women’s elite race in 4:17.4. “I thought she was just going to walk past to get the bonus, but she never looked back. I was like, ‘she’s not slowing down.’

Just before breaking the finish line with her victory well in hand, an exhausted Muir slowed her pace slightly. Had she slowed down a bit more, she might have missed Jenny Simpson’s event record of 4:16.1 set in 2019. She later said winning was her only goal.

“With the conditions, I wasn’t thinking about lap times at all,” Muir said. “I didn’t realize it was that fast; I didn’t really look at the clock when I crossed the line. I would have been disappointed, but the main thing was that I won today, and I was so happy to be able to do that.

Third place in the women’s elite race went to unsponsored 29-year-old Eleanor Fulton, who ran a stellar time of 4:18.0 to cap a season where she set personal bests in the 800m (2:00.45 ), 1,500m (4:03.03), mile (4:23.65) and 3000m (8:44.68). Jemma Reekie, another Scot who was the defending champion in the race, was fourth in 4:18.3. Adelle Tracey, who grew up in Britain but now competes for Jamaica, was fifth in 4:19.2. Also of note, Japan’s Nozomi Tanaka finished sixth in 4:19.3, the fastest time and highest placing ever by a Japanese woman in the race. A total of 20 women participated in the elite race today, and 18 of them ran in under 4.5 hours.

Hellen Obiri wins the Great North Run Half Marathon

Hellen Obiri’s preparation for her first marathon seems to be going pretty well based on the remarkable effort she put in while successfully defending her Great North Run title on Sunday. The 32-year-old Kenyan, who will compete in the New York City Marathon on November 6, won her second consecutive Great North Run women’s title in Manchester, England, with a brilliant finishing kick to win in 1:07:05. She edged compatriot Peres Jepchirchir (1:07:07), the 2020 Olympic marathon champion, as well as 2022 10,000 meters world champion Almaz Ayana of Ethiopia (1:07:10). The loss was Jepchirchir’s first loss in a half marathon since 2016.

Obiri, the two-time Olympic silver medalist who ended her career on the track with a second-place finish in the 10,000m at the World Championships in Athletics in Oregon in July, led an early breakaway group that remained intact until at the 10 km mark. Obiri, Jepchirchir and Ayana were still together in the final kilometer, but Obiri then started her sprint at the 500m mark and couldn’t be caught.

Sage Hurta third in 800m at Diamond League final

After all the big track competition this year, it’s no surprise that last week’s Diamond League final in Zurich, Switzerland was a bit of a disappointment. The competition featured many of the best athletes in the world and there were plenty of good races, but few outstanding results. Kenyan Faith Kipyegon won a tactical 1,500m (4:00.44), Femke Bol (Netherlands) won the 400m hurdles (53.03) and Jamaican sprint aces Shelly-Ann Fraser Pryce (100m, 10.65) and Shericka Jackson (200m, 21.80) each won their specialty events with typical flair.

Among the American runners, Sage Hurta, a 24-year-old sophomore professional from On Athletics Club in Boulder, Colo., had the best result of the two-day meet with a third-place finish in the 800m. Hurta was just wide of the lead in the 57-second 400m split and was over the shoulder of Kenya’s Mary Moraa with 200 to go. Moraa, the 2022 Commonwealth Games champion and bronze medalist at this summer’s World Championships in Athletics in Eugene, Oregon, was nearly caught by Jamaican Natalie Goule with 100m to go but pulled away to win in 1:57.63. Goule (1:57.85) finished second while Hurta held onto third (1:58.47) in one of his best races of the year. Uganda’s Halimah Nakaayi was fourth (1:58.82) while Keely Hodgkinson, a silver medalist at the Tokyo Olympics and at the World Championships in Athletics and Commonwealth Games this summer, was a distant fifth in 1:59.06.

Other Americans who ran well in the Diamond League final in Zurich included Tia Jones who took second place in the 100m hurdles (12.40), Gabby Thomas (22.38) and Tamara Clark (22 .42) who finished second and third respectively in the 200m, with Alicia Monson placing sixth in the 5,000m (14:37.22), Emma Coburn taking seventh place in the 3,000m steeplechase (9:20.00) and Heather Maclean finishing seventh in the 1,500m (4:02.90).

Taryn Rawlings establishes new PR and finishes fourth in the mile in Croatia

Middle-distance runner Taryn Rawlings quietly had a very good season on the track. The 26-year-old Adidas pro, who ran collegiately for the University of Portland, placed fourth in a fast women’s mile staged Sunday at the final gold event of the World Athletics Continental Tour in Zagreb, Croatia. The race, which was part of the Boris Hanzekovic Memorial competition, was won by Australia’s Linden Hall in 4:21.10, while Rawlings closed strong and finished with a personal best 4:24.09. Rawlings also set new personal bests in the 800m (1:59.83), 1,500m (4:05.02), 3,000m (8:42.53), 2 miles (9:41.11) and 5,000m (15:05.94 ) in 2022.

Janelle Lincks wins the Circus Series

Although she’s only been running competitive trails since 2020, Janelle Lincks has developed an impressive penchant for going up and down mountains extremely quickly. The 28-year-old Inov-8 sponsored racer of Thorton, Colo., edged out Allie McLaughlin of Colorado Springs on the 8.8-mile course at Arapahoe Basin Ski Resort on Saturday to win the sixth Cirque Series race of the season. .

The grueling course sent riders from about 10,700 feet to the summit turnaround point at about 12,800 feet and back down to the base of the ski area. Repeating her 2021 victory, Lincks won the race in 1:20:07 with a margin of 36 seconds over second-placed McLaughlin (1:20:43). Third place went to Annie Dube (1:25:31).

It was the fourth win in five Cirque Series races this summer for Lincks, who also won the Professional Division Women’s Series title with 244 points over McLaughlin (94 points). Lincks also won races at Brighton, Utah, Alta, Utah and Grand Targhee, Wyoming, while taking second place behind Mac in the race at Snowbird, Utah. There is another Cirque Series race of the season on September 24 in Engelberg, Switzerland.

Look forward

It’s been a relatively calm week on the competitive front, almost like a calm before a major storm of events looming on the horizon. For elite and high-level marathon runners, it’s discount season. September 25 Berlin Marathon kicks off the fall marathon season, followed by the London Marathon (October 2) and the Chicago Marathon (October 9). The most notable road race this week is the Great Cow Harbor 10K on September 17 in Northport, New York. It’s serving as the US 10K Road Championships this year, so it’s sure to draw a quick crowd.

While there are plenty of collegiate cross-country meets this weekend, including the Sept. 16 Adidas XC Challenge hosted by NC State’s Best in Cary, North Carolina, it’s the Bill Dellinger Invitational the September 23 in Eugene, Oregon, the Roy Griak Invitational on September 24 in St. Paul, Minnesota, and the Cowboy Jamboree on September 24 in Stillwater, Oklahoma, which will provide the first big tests for many of the women’s Division I teams in the NCAA.

As for this weekend, the biggest races are on the trails of Colorado. The Run Rabbit Run 50 and 100 mile races September 16 and 17 in Steamboat Springs, Colorado, and the Pikes Peak Climb and Pikes Peak Marathon, September 17-18 in Manitou Springs, Colorado, the two have fast, elite runners, deep fields and big purses against a backdrop of tall mountains and golden aspen leaves.

Run Rabbit Run races have a whopping $75,000 prize, including a spectacular $15,000 paycheck for male and female 100-mile race winners, plus a new Run, Rabbit, Run Team Challenge of $5,000. Colorado’s Annie Hughes and Canadian Alissa St. Laurent are among the top contenders in the women’s 100 miles.The Pikes Peak Climb, a 13.3-mile run to the 14,110-foot summit of Pikes Peak, has a stacked women’s field led by seven-time winner Kim Dobson, two-time winner Allie McLaughlin, and Maude Mathys, winner of the 2019 Pikes Peak Marathon. In the Pikes Peak Marathon, a 26.2-mile race through Pikes Peak, the top contenders are 2020 winner Brittany Charboneau and 2017 winner Kristina Mascarenas. There are $28,500 in combo prizes at Pikes Peak races, plus up to $26,000 more if price records or time bonuses are achieved.

The Crown of Scotland will be placed on the Queen’s coffin while it lies

0

The Crown of Scotland will be placed on the Queen’s coffin as she lies in repose in Edinburgh.

Historically, the crown has been used ceremonially to represent the sovereign’s presence and it will be placed on the coffin of Elizabeth II by Alexander Douglas-Hamilton, the 16th Duke of Hamilton.

Historic Environment Scotland has confirmed he will stay with the Queen while she rests at St Giles Cathedral in Edinburgh – where thousands of Scots are expected to turn up to pay their last respects.

Large crowds are expected to be present at the cathedral, where mourners will be allowed to file past the Queen’s coffin from around 5.30pm on Monday until 3.00pm on Tuesday.

Large numbers are expected at St Giles Cathedral (Peter Byrne/PA)

After that, Scotland’s crown will be returned to Edinburgh Castle – where it is usually on display – and will be on display for visitors when the castle reopens on Wednesday.

The Crown of Scotland is on loan to Historic Environment Scotland, who care for it on behalf of the Curatorial Commissioners of the Regalia.

Crafted from gold, silver and precious stones, the crown is the centerpiece of the Honors of Scotland – which are Britain’s oldest Crown Jewels and among the oldest in Europe.

Special wristbands will be issued to those wishing to view the Queen’s coffin while it is in St Giles’, with a queue to start at George Square Lane/North Meadow Walk at The Meadows, where a wristband per no one will be delivered.

The hearse carrying the Queen's coffin travels the Royal Mile (Phil Wilkinson/The Scotsman/PA)
The hearse carrying the Queen’s coffin travels the Royal Mile (Phil Wilkinson/The Scotsman/PA)

Only people with wristbands will be allowed in and flowers will not be allowed in.

Anyone planning to attend is warned to expect long waits and airport-style security checks.

Mourners are also asked to walk past the casket without stopping to ensure that as many people as possible can pay their respects.

A series of local and major road closures remain in place as ceremonies continue to take place in the town centre, with those planning to pay their respects to St Giles being asked to access George Square by public transport or foot.

What happens next? Day after day after the death of the queen

0

Click here to sign up for our curated newsletters!

The Queen’s coffin has arrived at the Royal Residence in Edinburgh after a six-hour journey from Balmoral.

The coffin remained in the Throne Room of the Palace of Holyroodhouse overnight, where staff were able to pay their last respects.

Here’s a day-to-day account of what happens next, leading up to and including the Queen’s funeral on Monday, September 19.

monday september 12

King Charles III and the Queen Consort are due to visit Westminster Hall in London where both Houses of Parliament will express their condolences to the new monarch.

Later on Monday, Charles and Camilla will fly to Edinburgh where they will attend a key ceremony and the King will inspect the honor guard.

Charles will then lead the Royal Family in procession as the Queen’s coffin is carried from the Palace of Holyroodhouse to nearby St. Giles Cathedral for a service of thanksgiving.

(PA graphics)

Members of the public will be able to view the coffin at the cathedral and pay their respects from 5 p.m. for a 24-hour period.

The King will then hold audiences with First Minister Nicola Sturgeon and Alison Johnstone, Speaker of the Scottish Parliament.

Later in the evening, the king and other members of the royal family will hold a vigil at the cathedral in honor of their mother.

The hearse carrying the coffin arrived at the Palace of Holyroodhouse, Edinburgh, on Sunday after a six-hour journey from Balmoral (PA)
The hearse carrying the coffin arrived at the Palace of Holyroodhouse, Edinburgh, on Sunday after a six-hour journey from Balmoral (PA)

tuesday september 13

The King and Queen Consort are due to fly to Northern Ireland on Tuesday to visit Hillsborough Castle, where they will view an exhibition about the late Queen’s long association with the province.

The King will then meet Northern Ireland Secretary Chris Heaton-Harris and party leaders, and receive a message of condolence led by the Speaker of the Northern Ireland Assembly.

After a short reception in Hillsborough, the King and Queen consort will proceed to St. Anne’s Cathedral for a service of prayer and reflection. Ahead of the event, Charles will meet leaders from all of Northern Ireland’s major religions and then later the royal couple will return to London.

Meanwhile, the Queen’s coffin is expected to be flown to London and laid to rest at Buckingham Palace.

A rehearsal for the coffin procession from Buckingham Palace to the Palace of Westminster is also expected to take place.

Details of the in-state queue route will be provided late Tuesday, September 13.

Wednesday September 14

In tribute to his late mother, the King will lead Wednesday’s procession behind the gun carriage carrying her coffin to Westminster Hall, where the Queen’s lie will begin ahead of the state funeral on September 19.

(PA graphics)
(PA graphics)

The Archbishop of Canterbury will lead a short service after the coffin arrives.

Those who wish to pay their respects will be able to file solemnly in front of the Queen’s coffin 24 hours a day from 5 p.m. on Wednesday September 14 until 6.30 a.m. on the day of the funeral – Monday September 19.

Senior royals are also expected to pay their own moving tributes, standing guard at some point around the coffin – the tradition known as the Princes’ Vigil.

Thursday September 15

The lying in the state continues and a rehearsal is likely to take place for the state funeral procession.

friday september 16

The king and queen consort are expected to travel to Wales while remaining in the state.

Saturday September 17 – Sunday September 18

The lying in state continues and heads of state will start arriving for the funeral.

monday september 19

There will be a national public holiday to allow as many people as possible to watch the Queen’s funeral.

Conditioning will continue until 6:30 a.m.

The coffin will be carried in a grand military procession from the Palace of Westminster to Westminster Abbey for the state funeral.

Senior members of the family are expected to follow – just as they did for the funerals of Diana, Princess of Wales and the Duke of Edinburgh.

The military will line the streets and also join the procession.

(PA graphics)
(PA graphics)

Heads of state, prime ministers and presidents, members of the European royal family and figures in public life will be invited to gather in the abbey, which can accommodate 2,000 worshippers.

The service will be televised and a nationwide two-minute silence is expected to take place.

After the service, the coffin will be taken in a procession from Westminster Abbey to Wellington’s Arch and then on to Windsor.

Once there, the hearse will proceed in procession to St George’s Chapel at Windsor Castle via the Long Walk, after which a televised burial service will take place in St George’s Chapel.

Later in the evening there will be a private burial service with senior members of the Royal Family.

The Queen’s final resting place will be the King George VI Memorial Chapel, an annex to the main chapel – where her mother and father were buried, along with the ashes of her sister, Princess Margaret.

Philip’s coffin will move from the Royal Vault to the Memorial Chapel to join that of the Queen.

Former Aberdeen and Ross County defender Brian Irvine recalls meeting the Queen in Inverness

Northern football legend Brian Irvine has explained how a chance encounter with the Queen made headlines 22 years ago.

The former Scotland defender, whose penalty won the Scottish Cup for Aberdeen against Celtic in 1990, also played for Ross County from 1999 to 2003.

The Queen and the Duke of Edinburgh visited Inverness in July 2000, primarily to present the Highlands and Islands Business Awards at the Eden Court Theatre.

Brian Irvine lifting the Scottish Cup he won for and with Aberdeen against Celtic in 1990.

The royal car pulled up in the town center and that’s when Irvine, who has been capped nine times for Scotland, had the chance to chat with Her Majesty.

He said: “I was walking down Stephen’s Brae in Inverness and hadn’t moved in a long time to play for Ross County.

“The queen was on a visit which I was not aware of. I remember the car stopped and the queen came out and was talking to part of the crowd, which was not too big at this point.

“She came over to where I was and we had a polite conversation. It was certainly memorable for me.

“I think the article even got into the P&J. A reporter asked what we were talking about, but you never reveal what was said.

Feels like a personal bereavement

Weekend professional matches across the UK have been postponed as a mark of respect.

Irvine was fully behind the decision and explained that the events of the past few days carried emotional weight.

He said: “There was no doubt that matches had to be canceled at all levels. It was absolutely the right decision.

“All we know is that the Queen is in charge. Even if I didn’t know her personally, it feels like a bereavement, it feels like she was someone we knew.

Brian Irvine, right, playing for Ross County against Arbroath in Gayfield.

“King Charles’ life has completely changed. He just became king, but lost his mother, so it’s a very difficult time for him.

“In the longer term, his being king will be a happy occasion, but it’s bittersweet right now because of the passing of the queen.”

No need to rush for the decision of the next game

Scottish football authorities have yet to confirm whether this weekend’s games will take place, meaning before the Queen’s funeral.

Irvine believes taking the time to consider the mood across the country before making any decision to return to play.

He added: “It might be better to assess the situation better as the days go by.

“We could be ready to resume football next weekend, but at the moment it’s too early to say for sure.”

Already subscribed? Login

[Former Aberdeen and Ross County defender Brian Irvine recalls meeting the Queen in Inverness]

[[text]]



These loans should be avoided..? Do you know why?

0
These loans should be avoided..!? Do you know why?

Many people think they shouldn’t take out loans. But at the end of the month, we will be forced to take out loans. This will be unavoidable in middle-class families earning a monthly salary. However, experts say they can avoid taking out some loans. Why do we say to avoid only certain loans? What is the reason for this? Let’s see.
Payday loan:
It is impossible to avoid borrowing during the current period, but it is very important to avoid payday loans. In particular, these loans are taken by small entrepreneurs, small traders and those who have shops in the daily market as individuals. You have to buy it in the morning and pay in the evening. Interest on these types of loans can be very high. It should therefore be avoided.
Car title loan:
A car title loan is usually a high interest loan. You can donate your vehicle and get it back within a month with interest first. Usually the interest on these loans is high. The vehicle may be sold if payment is not made within the time limit.
Advance on credit card:
In order not to use credit cards unnecessarily, some people take credit card advances. After that, interest may continue to accrue as interest. The interest rate is very high. If you don’t pay it on time, the penalty is very high.Casino loan:
Such loans are very rare in India. However, these loans are loans that should be avoided. These loans are used to promote sports in foreign countries.
Pawnbroker:
Many people can have this experience. Usually we get such loans by pawning our jewelry. Failure to pay this debt on time may result in your property being auctioned off. This includes restricted loans of a lower amount for more expensive real estate in rural areas.

Charles suggests his campaign on issues will end now that he is king

Click here to sign up for our curated newsletters!

Self-proclaimed ‘interference and meddling’ King Charles III appears to have admitted he will step back from campaigning on issues now that he is head of state.

GM crops, nanotechnology, monstrous anthrax, the environment, agriculture and complementary medicine have all provoked comments from the King in recent decades.

But his famous memos to ministers – known as the ‘black spider’ memos due to their distinctive handwriting and extensive use of underscores and exclamation marks – now risk going unwritten.

The Prince of Wales delivering his speech at the Royal Institute of British Architects Trust 2009 in London (Alastair Grant/PA)

In his address to the nation on his first full day as king, Charles, 73, signaled that his new role would bring fundamental changes to his life and family, and reduce involvement in the campaign on the problems and working with his charities.

He said: “My life will of course change as I take on my new responsibilities. It will no longer be possible for me to devote so much of my time and energy to the charities and issues that I care about so deeply. But I know that this important work will continue in the trusted hands of others.

When Charles turned 70, he insisted his meddling would not continue when he took the throne.

“No, it won’t. I’m not that stupid,” he said in a 2018 BBC documentary. “I realize it’s a separate exercise to be sovereign. So, of course, I completely understand how it should work.

Concerns have often been expressed as to how his views would figure when he becomes monarch, and he will come under intense scrutiny as the new king.

Being an intruder and an inveterate intruder, I couldn’t sit back and do nothing

Charlie in 2008

Sources close to Charles told the Guardian in 2014 that he would break with tradition and make “sincere interventions” in national life.

They said he would not follow his mother’s discretion on public affairs, but rather speak his mind on issues such as the environment.

Catherine Mayer’s unauthorized 2015 biography of Charles said the prince planned to introduce a “potential new model of royalty”, but the queen was concerned about the potential style of monarchy under her son.

But Charles’ senior aide at the time, Principal Private Secretary William Nye, came to his defence, saying Charles understood “the necessary and proper limits” of the role of a constitutional monarch.

As head of state, Charles is an apolitical figurehead and must remain strictly neutral.

Charles during a visit to Woolcool in Stone, Staffordshire to learn how they are using sheep's wool to create sustainable alternative packaging for food and medicine in 2019 (Peter Byrne/PA)
Charles during a visit to Woolcool in Stone, Staffordshire to learn how they are using sheep’s wool to create sustainable alternative packaging for food and medicine in 2019 (Peter Byrne/PA)

Royal advisers may have tried to rein in his controversial views in the past, but the prince has often made headlines, particularly because of his lobbying of ministers.

Politicians are said to have regularly complained about the number of letters they received from the Crusader Prince – the ‘Black Spider’ memos.

In 2002, he found himself at the center of a constitutional row following revelations that he had “bombarded” ministers with letters attacking government policy.

A minister said the prince had become so involved in politics that he wrote a letter a week to the government.

It emerged he had written a series of letters to the then Lord Chancellor, Lord Irvine of Lairg, expressing concern over the growth of the ‘compensation culture’ and Human Rights Act. ‘man.

The Prince of Wales at the Cantref Riding Center in the Brecon Beacons, mid Wales, a business hard hit by the foot and mouth disease crisis (Barry Batchelor/PA)
The Prince of Wales at the Cantref Riding Center in the Brecon Beacons, mid Wales, a business hard hit by the foot and mouth disease crisis (Barry Batchelor/PA)

The prince warned that human rights law is “only about the rights of individuals…and that betrays a fundamental distortion of social and legal thinking”.

Charles also took issue with the “degree to which our lives are becoming ruled by a truly absurd degree of politically correct interference”.

He did not always want his opinions to be made public.

Letters he wrote to a number of government departments between 2004 and 2005 were the subject of a lengthy legal battle over whether their contents should be disclosed.

Twenty-seven letters, 10 from Charles to ministers, 14 from ministers and three letters between private secretaries, were published in 2015 following a 10-year campaign by Guardian journalist Rob Evans to see the documents after a request for access to information.

Copies of previously secret letters written by Charles, including one to Tony Blair, then Prime Minister (Philip Toscano/PA)
Copies of previously secret letters written by Charles, including one to Tony Blair, then Prime Minister (Philip Toscano/PA)

Publication of the correspondence showed the prince lobbied then Prime Minister Tony Blair and other ministers on a range of issues ranging from badgers and tuberculosis to herbal medicine, education and illegal fishing.

He also tackled Mr Blair over a lack of resources for the armed forces fighting in Iraq.

There were no handwritten “black spider” letters among the released batch.

In 2006, Charles’ former aide Mark Bolland revealed to the High Court that the prince saw himself as a “dissident” working against the grain of current political opinion.

Charles’ diaries, around which the case centered, published in the Mail on Sunday revealed that he made unflattering comments about Hong Kong’s handover to China when he called Chinese diplomats “old appalling wax works”.

In 2008 the prince said candidly, referring to his involvement in a restoration project in Bradford: “Being an intruder and an inveterate intruder, I couldn’t sit back and do nothing.”

Charles was also outspoken about architecture.

Speaking in 1984 of the National Gallery extension project, he said: “What is on offer is like monstrous anthrax on the face of a much-loved and stylish friend.”

In May 2009, he became embroiled in a new row over a development at Chelsea Barracks.

The prince contacted representatives of the Qatari royal family, which owns the London site, suggesting that Richard Rogers’ plans for a billion-pound housing project on the site of the former barracks were “unsympathetic” and ” unsuitable”.

The new King will meet the Prime Minister every week in a private audience where he can express all the opinions he wants.

In fact, the British Monarchy’s website states that it is “the Sovereign’s right and duty to express (his) views on government matters”.

But he adds that “having expressed (his) opinions, the (King) sticks to the opinion of (his) ministers”.

Ex-Leeds United man on Premier League return rumors

0

Former Leeds United defender Charlie Taylor said he “never really pushed to move” despite reports linking him with a summer return to Elland Road.

The Burnley full-back, who is also believed to be of interest to Leeds Premier League rivals West Ham United, was seen as a player Jesse Marsch was keen to add to his squad.

Junior Firpo’s injury had left Leeds in need of left-back cover, but Pascal Struijk’s early-season performances in that role reduced the need to recruit there.

In an interview with The Burnley Express, Taylor was asked if he had ever seen his future elsewhere and he replied: “No, not really. I’ve never really insisted on moving, I’m happy here and I think that’s a good project.

“With the manager and the players we signed, I think we have a good team.

“I think we should be up there for the league this year.

“With the amount of change I’ve seen here over the last six months, you never know what’s going to happen. You never know in football.

“It was probably down to the club; I didn’t know where they saw my future, but I’ve always been happy here, I like it here and I always have. It’s a great group of guys so I was never in a rush to leave.

Taylor, 28, rose through the youth ranks at Leeds before making his first senior appearances in the 2011/12 season.

Loan spells at Bradford City, York City, Inverness CT and Fleetwood Town followed before the full-back established himself as a first-team regular in 2014.

Taylor’s departure from Elland Road at the end of the 2016/17 season was controversial for a number of reasons and the £6-7m compensation fee Burnley paid Leeds had to be decided by a court.

In the rest of his interview with The Burnley Express, Taylor went on to discuss helping the Clarets return to the Premier League this season, saying: “‘That would be great. I’m sure everyone would want to experience it and be a part of it.

“Bringing this club back to the Premier League would be a great achievement and having him on your CV would be great too.

“Everyone wants to be in the Premier League, that’s everyone’s goal. It’s the end of the world, it’s the best league in the world.

“If we can bring this club back there and get a promotion on the CV, that would be great.”

The former Leeds United defender added: “We wouldn’t be here if we didn’t want to bounce straight back.

“The manager probably doesn’t want to put anything on it, but for me personally I want to bounce straight back and I’m sure every player in the dressing room does too.

“The Premier League is the best league in the world and that’s where we want to come back to.”

Alpha Release Max Reviews – Negative Side Effects or Real Benefits?

0
Sponsored

Alpha Release Max Reviews – Negative Side Effects or Real Benefits?

Testosterone is the main male hormone produced by the testicles. It plays a vital role in sexual development and other functions.

Testosterone levels in men begin to rise during puberty. He is responsible for all-male features such as:

  • Deepening of the voice
  • Improved muscle development
  • Fur
  • Sperm production

Men should maintain recommended testosterone levels by leading a healthy lifestyle. However, testosterone levels begin to decline naturally as men age. Due to lifestyle changes, some men suffer from testosterone deficiency syndrome at an early stage. Some of the main symptoms of slow testosterone levels include:

  • Irritability
  • Dyserection
  • Stress and depression
  • Reduced muscle mass
  • Fatigue
  • Decreased libido

Once you have been diagnosed with low testosterone, doctors prescribe different medications to boost the production. However, most of these medications do not address the root cause of low testosterone. Therefore, it is essential to find a natural solution to help increase testosterone levels without any effect.

Doctors and health experts are now developing dietary supplements that boost testosterone production. One of the newer supplements is Alpha Release Max.

What is Alpha Release Max?

alpha max version is a dietary supplement that claims to increase a man’s testosterone levels. The ingredients in the supplement help increase muscle mass and strength, which improves muscle development.

It also resolves common libido issues and improves sexual performance. The supplement is ideal for people who want to build muscle and improve their sexual performance.

How does Alpha Release Max work?

Building muscle is not an easy task. It takes extra effort, willpower and dedication to achieve ideal muscle mass. However, most men lack vigor and energy due to low testosterone levels. Therefore, one cannot build strong muscles due to low energy levels.

Alpha Release Max contains 100% natural ingredients which increase the energy levels of the body. It improves muscular endurance allowing better performance during exercise. This movement allows the proper development of muscles.

The supplement stimulates the production of nitric oxide, which opens the blood vessels to ensure the smooth flow of blood to all organs. Improved blood flow to the penile region helps men maintain harder erections, thereby improving sexual stamina.

Alpha Release Max Ingredients

Horny Goat Weed

Horny goat weed is a traditional herb used to treat erectile dysfunction. It contains an active ingredient called icariin, which is responsible for all the benefits. Studies show that horny goat weed can help treat congestive heart failure and osteoporosis.

Other horny goat weed benefits include:

  • It helps maintain healthy blood pressure
  • It improves libido levels
  • It boosts mental performance
  • It reduces the symptoms of menopause

saw palmetto berries

saw palmetto is a Native American herbal medicine used to treat prostate problems. Saw Palmetto works by blocking 5-alpha reductase, which converts testosterone to DHT. It also stimulates testosterone production and prevents hair loss in men.

This action helps maintain healthy testosterone levels as you age.

Hawthorn berry extract

Hawthorn berries are fruits of the tree of the genus crataegus. The trees are found in Europe, Asia and North America. The fruits taste sour and are sweet at the same time. The berries have been used as a natural remedy to cure several health conditions, such as:

  • High blood pressure
  • Digestion problems
  • Heart problems

Berries are rich in polyphenols, which are powerful antioxidants. It also contains anti-inflammatory properties that help reduce inflammation caused by certain conditions, such as cancer.

Other benefits include:

  • It helps in the regulation of blood pressure
  • It reduces blood cholesterol levels
  • It reduces the effects of aging
  • It helps fight anxiety

Other ingredients in the alpha max version the supplement includes:

  • Zinc
  • Tribulus
  • long jack
  • Cissus quadrangularis
  • Magnesium

What are the benefits of using Alpha Release Max Formula

  • It stimulates the production of testosterone
  • It helps in muscle development
  • It improves exercise endurance
  • It increases libido levels
  • It contains 100% natural ingredients with no side effects
  • It boosts sexual performance

How to Use Alpha Release Max Formula

The recommended dosage for Alpha Release Max is two capsules per day. It is best to take the supplement every morning with a glass of water. Following a healthy diet and exercising daily is key to improving results.

The supplement is safe for anyone over the age of 18. One can use the supplement for as long as desired. However, it is essential to maintain the daily intake for at least 60 days.

Price and availability of the Alpha Max version

Alpha Release Max is available only on the official website. Limited availability ensures all buyers are getting an authentic product. All orders from the official site come with amazing offers and bonuses. These offers include:

  • Best value pack contains six bottles at $49.00 each + $9.95 shipping
  • Most popular package consists of three bottles at $59.00 each + $9.95 shipping
  • Basic pack consists of one bottle at $69.00 each + $9.95 shipping

Each purchase of the three and six bottles comes with free bonus materials of:

  • Dr. Mort’s Do Less, Gain More Workout Plan
  • A free bottle of Colon Cleanse MAX

All orders come with a 60 day money back guarantee. Dissatisfied users can request a refund six months after purchase and by returning the supplement; once the company receives the products, they will refund your money minus the shipping costs. To reach the company, use the information below to send an email:

  • [email protected]om
  • Product return address: 37 Inverness Drive East, Suite 100, Englewood, Colorado, 80112.

Final Verdict on Alpha Release Max

Most people face challenges when trying to build muscle. Studies show that low testosterone levels are the main reason for low energy levels. Therefore, men need to find the right solution to help increase their muscle mass. Exercise alone may not work.

It is essential to combine the exercise routine with the Alpha Release Max supplement. Alpha Release Max stimulates testosterone production, thereby increasing energy levels.

ADDITIONAL SOME PRODUCTS:

Sources

  • https://www.urologyhealth.org/urology-az/l/low-testosterone#:~:text=Testosterone%20is%20the%20male%20sex,deeper%20voice%2C%20and%20muscle%20strength.
  • https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4586556/
  • https://www.webmd.com/vitamins/ai/ingredientmono-699/horny-goat-weed
  • https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5780290/

Current Health Issues | Colorado Institute of Health

0

Hot Issues in Health returns in 2022. The Colorado Health Institute will offer in-person and online participation options for this year’s event. Tickets for the in-person rally will be limited – and will be just as hot as the conference. Save the date, adjust your wardrobes and watch for details to come.

About burning health issues

Hot Issues in Health is Colorado’s premier health policy conference, bringing together a diverse crowd – state legislators, regional and local policymakers, insurance company and health system representatives, consumer advocates, healthcare providers health professionals, researchers and students – to network and learn about the state’s most pressing health, health policy and health care issues.

Location

Hilton Denver Inverness | 200 Inverness Drive West, Englewood, Colorado 80112

Registration

Registration opens the week of September 12.

Prices

$250 (includes breakfast, lunch and full day program). Special rate of $150 for students and government employees.

We are working to arrange scholarships for people who otherwise would not be able to attend.

Online Options

We will provide an online participation option for people who cannot be with us in person. We will provide details by early October.

Registration Policies

CHI will adhere to CDC recommendations and any local guidelines in place at the time of the conference. During registration, conference attendees will be asked to review and agree to our Refund Policy, Press Release (which allows us to take photos in which you may appear), and COVID-19 Waiver.

Agenda

The conference will feature CHI’s annual legislative overview, as well as explorations of climate change and health, behavioral health and systems integration in health and social services. A detailed program and speakers will be available soon.

Truss and I need to put aside our differences and work together

Nicola Sturgeon has called on new Prime Minister Liz Truss to put aside their political differences as she admits she is ‘encouraged’ by some of the touted cost-of-living plans.

The Scottish First Minister said there was currently no date on the agenda for a face-to-face meeting with the new Prime Minister – but said Ms Truss was welcome at Bute House ‘when she does. wish” for a discussion.

Speaking on ITV’s Lorraine programme, Ms Sturgeon said: ‘We need to discuss important and very important issues. We have deep political differences. I think we can take that as read.

“But we have a responsibility and a duty to the people we serve to work together to find ways to get through the cost of living crisis.

“I am ready to work constructively with Liz Truss, despite the differences we have.”

New Prime Minister Liz Truss is expected to announce cost-of-living assistance in the House of Commons on Thursday (Stefan Rousseau/PA)

The relationship between the two leaders has become a key point in the Tory leadership debate as Ms Truss called the Prime Minister an ‘attention seeker’ who should be ‘ignored’.

But Ms Sturgeon has now said she is ready to take the Prime Minister ‘as I find her’ as she hints she will leave her troubles in the past.

She said: ‘We are both in great positions of responsibility at the time of the most serious crisis that most of us, certainly one of us, can remember, so we have to try to work together.

The Prime Minister added: ‘We need to put that aside to make sure we do everything we can in our different spheres of responsibility to help people in times of real crisis and real need.

The new Prime Minister has said a series of measures to help tackle the cost crisis and soaring energy bills will be announced in the Commons on Thursday.

And Ms Sturgeon said she was “encouraged” by “some speculation” about the measures, which include a possible freeze on energy bills.

However, his comments come as the Prime Minister questioned Ms Truss’ judgment over some of his ministerial appointments.

She told reporters in Edinburgh: “It looks like only the Prime Minister’s own supporters are in Cabinet. There does not appear to be any attempt to reach out to his party.

“It’s more up to his party to think about it, but if it’s an all-talented Cabinet, that’s a big question.”

She added: “Any Prime Minister who puts Jacob Rees-Mogg in charge of energy and therefore by definition in charge of some of the big decisions that will guide the UK’s response to the climate emergency must have a big question mark over his judgement.”

A THIRTEEN corner effort not good enough from Aberdeen to Ross County

0

The focus will be on Aberdeen’s penchant for conceding late goals from set pieces, but my biggest concern with the Dons is their poor serve in the final third.

There was huge frustration among the fans – and no doubt the players and manager Jim Goodwin – at conceding an injury-time equalizer at Ross County on Saturday.

Giving away a soft goal with practically the last kick of the ball is horrible, but the truth is the Dons didn’t do enough to win the game.

I counted 13 Aberdeen corners in the game. That tells me they were attacking well and putting the Staggies under pressure. But a lightning header from Ross McCrorie that missed the target was the only opportunity created from those 13 deliveries in the box.

If there’s one area players should focus on this week, it’s their own offensive set-piece opportunities.

I hope the manager also adds crosses in the open play box to his to-do list this week.

Talented Miovski needs better serve

Aberdeen’s Bojan Miovski looks dejected at full time after conceding a stoppage-time goal at Ross County.

Saturday was my first chance to see Bojan Miovski in the flesh and it was a tough change for the star striker.

He was out of service during the game and on what was a far from pleasant afternoon for him.

Duk is built like a tank, but showed plenty of desire and athleticism – and no lack of enthusiasm either – to start and finish a terrific move for what should have been Aberdeen’s game-winning goal.

But with the Dons dominating, they should have put the game beyond the county. And the reason they didn’t was the lack of edge in the final third.

I lost count of the number of opportunities the team had in the final third only for the final ball in the box to be too short, too flat, too long or too high.

Miovski might be a good finisher, but you can’t put the ball in the back of the net if it doesn’t reach you and that was a major problem on Saturday.

Will Clarkson be available on Saturday?

Aberdeen’s Leighton Clarkson is booked for a challenge against Ross County’s Callum Johnson.

The final concern I have is the availability of Leighton Clarkson for Saturday’s game against Rangers at Pittodrie.

The midfielder on loan at Liverpool was lucky to escape with only a yellow card for his challenge against Callum Johnson.

I don’t for a second think Clarkson is a bad player, but he was knee high with his challenge.

Given that County lost two players in retrospect after the Kilmarnock game following incidents a few weeks ago, I would be surprised if the SFA decides not to act in this case.

You have to be more specific in the Dons’ final third, but there were positives from their draw at Dingwall. Hayden Coulson was excellent and looks like a good addition, but the star of the show for me was Ylber Ramadani.

He’s a Scott Brown type, who sits in front of the four and breaks up play before launching attacks for his team.

Its overtaking is very good and it has quickly become a cog in its own right in the Aberdeen engine room.

Aberdeen will need his qualities for the arrival of Rangers in town on Saturday.

Recent results mean little when Dons take on Rangers

It will be interesting to see how Gers’ 4-0 loss to Celtic at the weekend affects his visit to Pittodrie.

Had they won 4-0 people would have said they were flying before their visit, but because they lost the story will now be how badly they will want to bounce back at Pittodrie.

But, having played several times in this game, I can tell you that form is going out the window.

Pittodrie will be lively, the fans will be there and players on both sides will be excited for this one.

This has always been the case, regardless of the results of the previous match.

Staggies lacking fluidity

Ross County’s William Akio celebrates after scoring his late equalizer against Aberdeen.

Ross County celebrated a late draw against the Dons but it’s clear they need to sharpen up in the final third as well.

There’s not much wrong with this new Staggies team. They are decent at the back and competitive in midfield, but they don’t have the same power in attack compared to last season.

Long throw-ins were the sum of their attacking threat against Aberdeen on Saturday.

Like the Dons, there was a major rebuild at the club this summer at County. While Aberdeen were more fluent in front of goal ahead of Saturday’s 1-1 draw, the Staggies have yet to show pace.

Chance for Caley Thistle to press her titles

Caley Jags head coach Billy Dodds makes his point from the touchline as his side lost 2-0 at the weekend at Raith Rovers.

I was thrilled to see my former Dons running partner Billy Dodds get the three points he needed with Caley Thistle on Saturday.

Inverness have had a tough few weeks after defeats to Partick Thistle, Morton and Motherwell and that has put some pressure on them for their trip to Raith Rovers.

A 2-0 win was exactly what was needed for Caley Jags and it sets them up for a huge game against Hamilton Accies this weekend.

I said I expect another exciting title chase in the Championship this season with Ayr United, Dundee and Partick all attracting attention so far.

But, if Inverness can beat Accies at the Caledonian Stadium this week, they will be well in the hunt at this early stage.

Already subscribed? Login

[One effort from THIRTEEN corners not good enough from Aberdeen at Ross County]

[[text]]



Leaders unite to develop Inverness city center ambitions

A new unified effort is being made to deliver on an ambitious vision for Inverness city centre.

A comprehensive strategy is being developed to improve the coordination, funding and delivery of existing and emerging projects for the Highlands capital.

As part of the move, it is proposed that the One City, One Vision report, published by the Inverness Futures Group last year, will be integrated into an overall Highland Council Inverness master plan.

What happens now?

The Futures Group, chaired by MP Drew Hendry, has presented a prospectus for Inverness as a “welcoming, prosperous, green and sustainable city” at the heart of a prosperous Highlands by 2035.

He has since gained support from several key organizations across the city.

As the project moves into the next phase, the council’s Inverness City Area Committee will discuss next week how public and private sector leaders will consult on how and when plans should progress.

A report to the September 14 committee meeting states: “The ambition of the board is that a much more concerted strategy, with clear results and an investment plan be developed, which clearly identifies when projects will be delivered and by who.

It is proposed to hold a series of in-person and online engagement events later this year.

Another report will then be presented to the committee, outlining a set of actions and recommendations.

The vision aims to develop the city center

Mr Hendry says opportunities have been missed, including by himself when he was council leader, to co-create a prospectus of the kind of city people want.

“With Inverness 2035 that is changing and the many discussions we have within the community are helping to shape the milestones over the next few years to 2035.

“Creating a great place to live, work and study is more important than any organization and I am delighted to be working with constituents and city leaders to develop this next chapter for Inverness.”

What has been done and what is planned?

The town’s master plan provided for housing, offices and leisure activities bringing new energy to the town centre.

It also offered more civic and green spaces, with more active travel than cars.

Already, according to the council, 50 residential units and new commercial units have been built in the centre, as well as a new hotel.

Another 60 residential units and seven new or renovated commercial units are under construction.

The Ness Hydro Project, Townhouse Upgrade and West Link Road Improvements have been completed since 2018.

Projects due for delivery by 2025 include a Green Freeport for Inverness and the Cromarty Firth, improvements to the Raigmore Interchange, transformation of Academy Street, upgrading of Victoria Market and redevelopment of the Castle of Inverness.

Active travel is part of a future downtown, says MY Drew Hendry

There are also plans for retail and housing development in the old Arnotts Building, a new National Processing Centre, the redevelopment of the Ironworks site, an Inverness Airport rail station and active travel routes.

Between 2025 and 2030 plans include a master plan for Inverness station, the A9 splitting and upgrades to the A96 including a Nairn bypass, upgrades to Inshes and Longman junctions and phase 2 of the redevelopment of the castle.

Plans for post 2030 include the redevelopment of the Port of Inverness and the Spectrum Centre.

Who supports the vision?

A number of bodies representing business, tourism, arts, leisure, IT and transport have supported the 2035 vision, including –

Stuart Black, Managing Director, Highlands and Islands Enterprise“A thriving region needs a thriving center and continued partnerships around a shared vision will be vital as Inverness and the Highlands grow in the years ahead to 2035, taking advantage of new opportunities such as the offshore wind, hydrogen and the space sector whilst remaining a key tourism driver for Scotland.

Steve Walsh, Managing Director, Highlife Highland“Inverness 2035 should be a place where everyone can reach their potential, whatever their circumstances, a place where opportunities in sport, culture, health and well-being are both plentiful and reflect the rich heritage of our history and our society.

MSP Fergus Ewing“A collective vision for our city that brings together political parties from all walks of life, investors, sectors and communities is essential for us to build on our successes and prepare for the future.”

Fergus Ewing MSP backs Inverness city center plans

Lorraine McBride, Inverness bid director“Working together means we have the opportunity to get it right for every citizen and also to leave a legacy for future generations who can build on our successes and ensure that Inverness and the rest of the Highlands achieve their full potential.”

Stewart Nicol, Chief Executive of the Inverness Chamber of Commerce“A collective vision for Inverness is vital as we move forward as a city and a region.”

Todd Walker, Principal and Vice-Chancellor, UHI: “Inverness 2035 represents a unique opportunity for a generation to define a collective vision for the city and the region.”

Are you interested in more exclusive and breaking news about the P&J Highlands and Islands? If so, why not join our dedicated Facebook page HERE

Already subscribed? Login

[Leaders unite to develop Inverness city centre ambitions]

[[text]]



Harry and Meghan’s new life after stepping down as senior royals

0

The Duke and Duchess of Sussex have given themselves a new life after stepping down as senior royals.

Megxit – when Harry and Meghan stepped down from their royal duties and stopped using their HRH styles – made headlines around the world in 2020.

The couple have since bought a multi-million pound home in California’s Montecito celebrity enclave and started a non-profit foundation called Archewell.

The couple in the Sunken Garden at Kensington Palace, London, after their 2017 engagement announcement (PA)

They also signed lucrative deals believed to be worth over £100m with Spotify and Netflix, giving them the cash to pursue their new lifestyle and public goals.

Harry and Meghan – parents of Archie and Lili – have been in a number of interviews since leaving royal life, including a controversial meeting with Oprah Winfrey in 2021.

They accused the Royal Family of racism, saying an unnamed royal made a racist remark about Archie before he was born and that the institution failed to help a suicidal Meghan.

The Duchess of Cambridge has been publicly singled out by Meghan for allegedly making her cry ahead of the wedding.

The Duke and Duchess of Sussex with baby Archie (PA)
The Duke and Duchess of Sussex with baby Archie (PA)

Just last week, Meghan’s interview with The Cut made headlines as the former actress said it takes “a lot of effort” to forgive and hinted she could “say bullshit”.

In the interview, which ran to more than 6,000 words, Meghan said that “just by existing” she and Harry were “disrupting the dynamics of the hierarchy” before stepping down as senior royals.

While in The Hague for the Invictus Games earlier this year, Harry did an interview with NBC’s Today program in which he appeared to issue a veiled warning to those closest to the Queen, saying that he wanted to make sure his grandmother was “protected” and had “the right people around her”.

He didn’t say whether he was referring to royal aides or family members, but his comments likely deepened the rift with his father, the Prince of Wales, and brother, the Duke of Cambridge, as well how perplexed. palace officials.

The Queen joined by members of the Royal Family on the balcony of Buckingham Palace in 2019 (PA)
The Queen joined by members of the Royal Family on the balcony of Buckingham Palace in 2019 (PA)

Meghan was also interviewed by US talk show host Ellen DeGeneres, while Harry was interviewed by James Corden, host of US chat program The Late Late Show.

Last year, Harry was hired as impact director for BetterUp, which sells corporate employee coaching and mental health help.

The couple have become ‘impact partners’ and investors in sustainable investment firm Ethic, with Meghan describing the investment as a ‘luxury’ that ‘seems so classy’.

They were introduced to technology-focused asset manager Ethic by friends, with the Duchess saying Harry had been saying for years how he wanted to invest sustainably.

Harry also joined the new Aspen Institute Commission on Information Disorders, joining 14 other commissioners and three co-chairs to lead a six-month study into the state of America’s media.

Harry watches his bride as she arrives accompanied by the Prince of Wales (PA)
Harry watches his bride as she arrives accompanied by the Prince of Wales (PA)

The institute said her position will be part-time and involve regular meetings.

Meanwhile, Archewell Productions, created by the couple “to produce programming that informs, uplifts and inspires”, is working on a documentary series called Heart Of Invictus, which will be released on Netflix.

The show follows people competing at the Invictus Games, with a film crew seen near Harry and Meghan during their time at the event in The Hague earlier this year.

Archewell Audio, meanwhile, aims to “produce programming that uplifts and entertains audiences around the world.”

Spotify has so far released two episodes of Meghan’s Archetypes podcast, featuring conversations with veteran tennis player Serena Williams and singer Mariah Carey.

The Duke and Duchess of Sussex attend the Invictus Games in The Hague (PA)
The Duke and Duchess of Sussex attend the Invictus Games in The Hague (PA)

Meanwhile, the Royal Family have been preparing for Harry’s next tell-all book, which he has sworn will be an “accurate and entirely truthful” account of his life.

The memoir is slated for release in late 2022 by Penguin Random House but a release date has yet to be confirmed.

There will be concern in royal quarters as the Duke delves into his breakup with William, his troubled relationship with Charles, his view of stepmother the Duchess of Cornwall and the turbulent fallout of Megxit.

Meghan has previously been published in a children’s book called The Bench, which she said she wrote as a poem for Harry on Father’s Day.

The Duke and Duchess of Sussex arrive at the Commonwealth Service at Westminster Abbey in 2020 (PA)
The Duke and Duchess of Sussex arrive at the Commonwealth Service at Westminster Abbey in 2020 (PA)

Harry and Meghan have returned to the UK since Megxit and have made a few public appearances.

Harry traveled to Windsor for the Duke of Edinburgh’s funeral in April 2021, and in April this year he and Meghan visited the Queen and met Charles in Windsor before traveling to the Netherlands to the Invictus Games.

Their appearance at the games was the first time the couple had been seen together publicly on this side of the Atlantic in two years.

They traveled to the UK in June for Platinum Jubilee celebrations but stayed away for most of the weekend as the Queen ruled only working royals should adorn the balcony of Buckingham Palace during the historic festivities.

The Duke and Duchess of Sussex after the National Service of Thanksgiving at St Paul's Cathedral on the second day of Platinum Jubilee celebrations (PA)
The Duke and Duchess of Sussex after the National Service of Thanksgiving at St Paul’s Cathedral on the second day of Platinum Jubilee celebrations (PA)

Last month, Harry claimed victory at an annual charity polo tournament in Aspen, Colorado, with commentators praising his “superstar” play in the Sentebale ISPS Handa Polo Cup.

He also traveled to Rwanda as part of his job as President of African Parks and visited Mozambique to focus on wildlife conservation.

The couple’s first major public trip after Megxit was to New York last September, when they took part in a global event urging leaders to adopt a vaccine equity policy to help end the pandemic. Covid-19 pandemic.

Raith Rovers fan concerns and single transfer window

0




CRAIG CAIRNS: Raith Rovers fan concerns and single transfer window


































Calendar An icon of a desktop calendar.

to cancel An icon of a circle with a diagonal line across it.

Caret A right-pointing solid arrow icon.

E-mail An icon of a paper envelope.

Facebook An icon of Facebook’s “f” mark.

Google An icon of Google’s “G” mark.

Linked to An icon of the Linked In “in” brand.

Sign out An icon representing disconnection.

Profile An icon that resembles the human head and shoulders.

Telephone An icon of a traditional telephone receiver.

Check A check mark icon.

Is public An icon of a human eye and eyelashes.

is not public An icon of a human eye and eyelashes crossed by a diagonal line.

Pause icon A two-line pause icon to stop interactions.

quotation mark An opening quotation mark.

quotation mark A closing quotation mark.

Arrow An arrow icon.

Case An icon of a paper folder.

Breakup An icon of an exclamation mark on a circular background.

Camera An icon of a digital camera.

Caret A caret arrow icon.

The clock An icon of a clock face.

close An X-shaped icon.

close icon An icon used to represent where to interact to minimize or close a component

Ellipse An icon of 3 horizontal dots.

Envelope An icon of a paper envelope.

Facebook An icon of a facebook logo f.

Camera An icon of a digital camera.

House A house icon.

instagram An Instagram logo icon.

LinkedIn A LinkedIn logo icon.

Magnifying glass A magnifying glass icon.

Search icon A magnifying glass icon used to represent the search function.

Next A right-pointing arrow icon.

To remark An explanation mark centered inside a circle.

Previous A left-pointing arrow icon.

Evaluation A star icon.

Label An icon of a label.

Twitter A Twitter logo icon.

Video camera An icon of a video camera shape.

Speech bubble icon An icon showing a speech bubble

WhatsApp A WhatsApp logo icon.

Information An icon of an information logo.

More A mathematical “plus” symbol.

Duration An icon indicating the time.

Pass tick A green check mark icon.

Success tick timeout A greyed-out success check mark icon.

Roulette Loading An icon of a loading wheel.




Top 5 Best Payday Loans No Credit Check Guaranteed Same Day Approval 2022

0

For Americans with less than stellar credit ratings, finding a loan online in the midst of a financial setback can seem impossible. You can find a seemingly “easy” solution by researching payday loans without credit checks online. These loans are the unicorn of the financial world; everyone has heard of them, but they don’t really exist.

We investigated several alternatives to payday loans without an online credit check – our findings are below!

Payday Loans No Credit Check Online – Quick Overview

  1. Viva Payday Loans – Best Overall for Payday Loans No Credit Check Online Alternative
  2. Low credit financing – Ideal for small online payday loans No credit check alternative for borrowers with bad credit
  3. Big Buck Loans – Best For Online Payday Loans No Credit Check Instant Approval Alternative For Unemployed
  4. Heart Paydays – Ideal for same day online payday loan alternatives with no credit check
  5. Green dollar loans – Ideal for alternatives to online payday loans Instant approval without credit check

Best Loans No Credit Check Guaranteed Approval 2022

  • Viva Payday Loans – Best Overall for Payday Loans No Credit Check Online Alternative

Viva Payday Loans claims the top spot in our editor’s pick for online payday loans with no credit check alternatives. Their application process for online alternatives for payday loans no credit check is quick and easy. It is also impressive that the platform offers loans ranging from $100 to $5,000 with 3 to 24 months of repayment. Interest, which can be a real pet peeve for borrowers, starts at 5.99% at Viva Payday Loans.

Eligibility Criteria for Payday Loan Alternatives No Online Credit Checks

  • Earn $1000 per month
  • Take an affordability assessment
  • 18 years + to apply

Benefits of Online Payday Loan Alternatives No Credit Check

  • Low FICO borrowers welcome
  • 100% online application
  • Flexible loan amounts

Disadvantages of Online Payday Loan Alternatives No Credit Check

Click here to apply for funds online today >>

  • Low credit financing – Ideal for small online payday loans No credit check alternative for borrowers with bad credit

Low Credit Finance is a provider of legit online payday loans no credit check alternative for bad credit. Although they do not offer payday loans without online credit checks due to regulatory compliance, they do have several alternative options up to $5,000 with interest ranging from 5.99% to 35.99% .

Eligibility Criteria For Payday Loans No Credit Check Online Alternatives

  • Income of $1,000 per month
  • Affordability assessment applies
  • Over 18 only

Benefits of Payday Loan Alternatives No Credit Check Online

  • Options for borrowers with bad credit
  • Flexible loan amounts
  • Flexible terms

Disadvantages of Payday Loan Alternatives No Online Credit Checks

Click here to apply for funds online today >>

  • Big Buck Loans – Best For Online Payday Loans No Credit Check Instant Approval Alternative For Unemployed

Big Buck Loans offers same-day online payday loan alternatives with no credit check for the self-employed, self-employed, and those with innovative ways to earn an income. Online Payday Loans No Credit Check Alternatives from $100 to $5,000 are available for those without a formal job.

Eligibility Requirements for Online Payday Loan Alternatives No Credit Check

  • Over 18 only
  • US bank account
  • Earn $250 per week

Benefits of Same Day Online Payday Loan Alternatives No Credit Check

  • Quick Approvals
  • Bad Credit Options
  • A minimum of administrative formalities

Disadvantages of Online Alternatives to Payday Loans No Credit Check

  • Expensive interest up to 35.99%.

Click here to apply for funds online today >>

Heart Paydays – Ideal for same day online payday loan alternatives with no credit check

For those who want quick cash, Heart Paydays stands out. Their online payday loan alternatives with no credit check range from $100 to $5,000 with up to 2 years to pay off. Interest starts at 5.99% and goes up to 35.99%. You’ll receive feedback in about two minutes (yes, that’s that fast!).

Eligibility Requirements For Legit Online Payday Loans No Credit Check Alternative

  • Income of $1,000 per month
  • at least 18 years old
  • US bank account

Benefits of Payday Loan Alternatives No Credit Check Online

  • Payments in 60 minutes
  • Bad borrowers are welcome
  • Flexible terms

Disadvantages of Payday Loan Alternatives No Online Credit Checks

Click here to apply for funds online today >>

  • Green dollar loans – Ideal for alternatives to online payday loans Instant approval without credit check

There’s no pace or nail-biting when applying for small online payday loan alternatives without credit checks with Green Dollar Loans. Application takes minutes and approval (or rejection) takes 2 minutes! Payments are processed within the hour. Loans range up to $5,000 with up to 2 years to pay off.

Eligibility Requirements for Online Payday Loan Alternatives Instant Approval No Credit Check

  • 18+ to apply
  • Earn $1,000 per month
  • Legal resident or citizens of the United States

Benefits of Online Payday Loan Alternatives No Credit Check

  • Payments in 60 minutes
  • Bad Credit Options
  • Simple app

Disadvantages of Online Payday Loan Alternatives No Credit Check

  • Interest can reach 35.99%.

Click here to apply for funds online today >>

What are payday loans without online credit checks and how do they work?

Payday loans without a credit check online are short-term loans given to borrowers without a credit check. Although this is the concept of a payday loan no credit check, they do not exist due to US lending regulations. Alternatives to payday loans without an online credit check follow a simple loan model where the borrower applies online, the loan is repaid plus interest.

How to Apply for Payday Loan Alternatives No Credit Check Online

Follow these simple steps:

Step 1: Choose your loan amount

Select loan amount from $100 to $5,000 and loan term from 3 to 24 months.

Step 2: Complete the application form

Follow the prompts to enter your data on the online form.

Step 3: Get a decision in less than two minutes

You’ll know if a lender can help you within two minutes of submitting your application.

Step 4: Get your loan

The lender will present a loan agreement which will need to be signed before the money can be repaid.

Features and Factors to Consider When Applying for Payday Loan Alternatives No Credit Check Online

Payday Loans No Credit Check Online Alternative Interest

Interest ranges from 5.99% to 35.99% – this amount is added to the total you borrow.

Amounts and Conditions Associated with Alternatives to Payday Loans No Online Credit Checks

Loan amounts start at $100 and go up to $5,000, with terms ranging from 3 to 24 months.

Reputable Lenders Offering Alternatives to Small Payday Loans No Online Credit Checks

Lending search organizations only match borrowers with reputable and transparent lenders.

How We Picked the Best Alternatives to Payday Loans No Credit Check Online

We searched for lenders offering:

  • 100% online application
  • Same day payments
  • Flexible terms
  • Interest not exceeding 35.99%

Conclusion

We rank Viva Payday Loans as our top pick for payday loan alternatives without online credit checks. Their service is free for borrowers and by using them you save time and money.

FAQs

What supporting documents do unemployed people have to provide?

You must present your identity document, proof of address and your bank statements.

Can borrowers with low FICO scores get same day payday loans online?

Yes, loan research panel lenders offer payday loans to borrowers with bad credit, and they can repay the same day of approval.

Where can I get $255 payday loans online same day without credit check?

Viva Payday Loans offers great alternatives to $255 online same day payday loans with no credit check.

Disclaimer: The lending websites reviewed are correspondent lending services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan. This article does not provide financial advice. Please seek the assistance of a financial advisor if you need financial assistance. Loans available only to US residents.

Hawkeyes set to open season at Fighting Irish Classic – University of Iowa Athletics

0

THIS WEEK
The University of Iowa men’s golf team kicks off the 2022-23 season in South Bend, Indiana at the Fighting Irish Classic. Playing at the Warren Golf Course takes place on Sundays and Mondays.

TOURNAMENT SCHEDULE
The 54-hole tournament opens with two rounds on Sunday and the final 18 holes will be played on Monday. The Hawkeyes are paired alongside Virginia Tech and Georgia Southern for every round.

FOLLOW THE ACTION
You can follow this week’s action by visiting golfstat.com for live scoring. The links can be found on the men’s golf program page at hawkeyesports.com.

RANGE
The Hawkeye range is led by senior MacMcClearsenior follow-up Garrett Tighe and Gonzalo Leal Montero. Second year Ian Meyer and junior Callum Macfie complete the range. One of Iowa’s worst scorers from last season will not compete due to injury.

FIELD
The 15-team field includes eight of GolfStat’s top 50 teams. No. 16 Notre Dame hosts Iowa, Cal, Colorado, No. 9 Florida, No. 44 Georgia Southern, Indiana, Iowa State, No. 29 Kansas, Kent State, No. 22 LSU, No. 46 Michigan State, No. 5 UNC, No. 48 Utah and Virginia Tech.

THE LESSON
One of the top college courses, Warren Golf Course was rated the 70th public golf course in North America by GOLF in 2021. Spanning 7,020 yards, the par-71 course has hosted many top tournaments, including several US Open qualifiers and the 2019 US Senior Open.

FIGHTING IRISH CLASSIC HISTORY
The Hawkeyes won the 2010 Fighting Irish Classic with a team score of 853 (+13). Iowa placed fourth at the event in 2018, posting a combined score of 833 (-13) to mark the second-lowest team score in program history, and finished third in 2019. Iowa placed 10th in the tournament last season.

ON THE LINKS
Iowa is returning seven golfers from last year’s team.

  • Two Hawkeyes, McClear and Kleu, competed individually at the NCAA Regional in Norman, Oklahoma. Mcclear finished tied for 14th at 214 (-2) over 54 holes to complete four strokes of the only individual bid for the 2022 NCAA championships.
  • Mcclear picked up material over the summer, finishing medalist at the Joliet Amateur Championships at Wedgewood Golf Course and Illinois State Amateur at Westmoreland Country Club; he was also co-medalist in the local US Open qualifier at Blue Top Ridge Golf Course, shooting 69 (-3) over 18 holes. Mcclear also competed in the 122nd US Amateur on August 15 at Ridgewood Country Club.

SENIOR LEADERS
Four seniors will lead the Hawkeye squad this season. Leal Montero returns after competing as Iowa’s only senior last year. He’s joined by a former Big Ten champion in McClear, as well as Iowa’s second-leading scorer last season in Kleu. Tighe was also a frequent starter for Iowa.

PRESEASON HONORS
McClear, Kleu and Leal Montero were named Big Ten Golfers to Watch this week. The recognition was the second conference preseason honor for each Hawkeye; Both McClear and Kleu were recognized last fall, while Leal Montero earned final pre-season accolades in 2019.

IHM COACH RETURNS HOME
Steven Ihm (’14) returns to the Iowa men’s golf program this season as a volunteer assistant coach. In three seasons as a Hawkeye golfer, Ihm was a four-time medalist, finishing atop the Hawkeye Invitational and Boilermaker Invitational standings in 2013 and 2014. Ihm’s teams have qualified for NCAA Regional Championships each year and placed 22nd at the NCAA Championships in 2012. Her personal best 18 of 64 holes is tied for third in the Iowa Book of Records.

LISTEN TO HEAD COACH TYLER STITH
“We are delighted to start the season. We had two weeks of productive training. The guys are committed and hard working. Now it’s time to take what we’ve learned and apply it in a competitive environment.

LOOK AHEAD
Iowa travels to Inverness Golf Club in Toledo, Ohio on September 26-27 for the Inverness Intercollegiate.

Date confirmed for Raith Rovers’ SPFL Trust Trophy third round at Cove Rangers

0
Cove Rangers’ Mitch Megginson tackles Raith Rovers’ Scott Brown during their teams Scottish Championship game at Aberdeen’s Balmoral Stadium in July (Photo by Craig Foy / SNS Group)

This match at Aberdeen’s Balmoral Stadium kicks off at 3pm.

Ticket details will be announced later.

They are looking to retain this award, otherwise known as the Scottish Professional Football League Challenge Cup, for the third consecutive year.

Raith, managed by current Falkirk boss John McGlynn at the time, beat Championship side Queen of the South 3-1 at Airdrie’s Excelsior Stadium to lift the trophy for the first time since 2014 and the second times, after receiving it jointly. , in its Tunnock’s Caramel Wafer Challenge Cup form, with Inverness Caledonian Thistle in 2020 due to that year’s final, as well as the entire competition the following year being canceled due to coronavirus restrictions.

Slovenia striker Matej Poplatnik, on loan from Livingston, put Rovers ahead 16 minutes into the April final but Ally Roy equalized for their Dumfries opponents in first-half stoppage time .

Poplatnik made it 2-1 for Rovers with 20 minutes remaining and Ethan Ross added a third with 12 minutes left to secure the win.

Raith have beaten Cove only once in the four competitive games they have played, all of them away, going 2-1 in the League Cup in July 2016.

They have since lost 2-0 and 3-0 in the same competition in July 2018 and July 2019 respectively and 2-0 in the league under current boss Ian Murray in late July.

Their cup tie against last year’s League One champions, managed by Jim McIntyre, will be one of two meetings in as many weeks as they are due to host them at Stark’s Park for a league game on Saturday 8 october. This will be their first competitive game at home against Cove as they have only met them on the road before.

The other 15 third round matches to be played next month include a trip to Arbroath for East Fife.

The remainder of the draw, conducted at Glasgow’s Firhill Stadium on Monday, includes Buckie Thistle v Linfield, Cliftonville v Queen’s Park, New Saints v Dundee, Clyde v Caernarfon Town, Peterhead v Elgin City, Falkirk v Partick Thistle, Dunfermline Athletic v Celtic B, Inverness Caledonian Thistle v Brechin City, Morton v Ayr United, Montrose v Kilmarnock B, Alloa Athletic v Airdrieonians, Queen of the South v FC Edinburgh, Annan Athletic v Kelty Hearts and Rangers B v Hamilton Academical.

Depopulation remains ‘a real threat to our rural communities’ despite new study

Maree Todd says intervention is needed from local authorities and both governments.

Depopulation has been described as “a real threat to our rural communities” despite new research indicating that more and more people are choosing to live away from urban areas in Scotland.

North MSP Maree Todd called for increased efforts to attract and retain people to support rural areas and help them thrive.

Meanwhile, a Caithness councilor warned ‘many people are worried about the future of the county’ and urged the Scottish Government to act on broadband rollout, hospital services and road improvements national.

Ms Todd was commenting on a new report assessing population changes across Scotland during the pandemic. This has led experts to note an apparent reversal in long-term trends, with a small shift away from cities.

The National Records of Scotland (NRS) study found that over the past year the number of people living in major urban areas has fallen by 5,600 (down 0.3%). In contrast, the population of rural areas, small towns and other urban areas increased or decreased more slowly than before.

The report — Small Area Population Estimates Mid-2021 — looked at nearly 7,000 small geographic areas, or “data areas,” with an average population of 786 people. A map makes it possible to follow the evolution of the population over 1, 5 or 10 years.

In Caithness, some data areas have seen an increase in population over the past decade while others have seen a decline.

Ms Todd, SNP MSP for Caithness, Sutherland and Ross, said: “While it is positive to see slight population increases in pockets of Caithness, I am aware of population declines in other parts – some regions experiencing a decline of nearly 15 years. % since 2015 figures.

“Depopulation is a real threat to our rural communities and requires the intervention of the local authority and both governments.

“The UK Government’s hostile immigration system and Brexit have inflicted incalculable damage on our rural communities, showing exactly why we in Scotland must be in charge of our own immigration system.

“We need to focus on attracting and retaining people to sustain our rural communities and allow them to thrive.

“Creating high-quality, well-paying job opportunities will be essential in this regard, but affordable housing options, suitable transport and digital infrastructure and access to public services will also be important contributors.

“The Scottish Government has set out a program of work in its first National Population Strategy which seeks to address these challenges by harnessing new opportunities for our rural communities.”

Councilor Matthew Reiss:
Councilman Matthew Reiss: “A lot of people are worried about the future of the county.” Photo: Callum Mackay

Matthew Reiss, who represents Thurso and Northwest Caithness at Highland Council, said it was up to the Scottish government to take action to support the far north.

“I was talking to a group of people in the Barrock area two days ago and they told me how concerned they were about rural areas,” he said.

“The example they gave me was that Crossroads Primary School went this year from 13 pupils to eight, and there’s no P1s and there’s no P7s.

“A lot of people are worried about the future of the department.”

Councilor Reiss pointed to data for the period 2012-2016 covering 10 towns in the Highlands and Islands and Moray which showed a 2% decline in Thurso’s population – more than any other.

“Two or three years ago I was criticized for voicing my concerns about depopulation,” he said. “The argument was that if you publish bad news, it doesn’t help the region, and anyway these are just projections.

“But this graph is not a projection – it is a fact.”

Councilor Reiss added: “My own view is that there are several fundamental things the Scottish Government could do to help the Far North.

“The first is to absolutely start a fire as part of the broadband rollout. R100 [the Reaching 100 per cent programme] has been postponed for some regions to 2026/27, and that could be changed with a push from the government.

“The second is to resolve the maternity ward situation in Wick. With over 90 per cent of mothers due to give birth in Inverness, this is not an attractive proposition for mums-to-be.

“The other thing that would really help the far north is that Transport Scotland / the Scottish Government said upfront that there were no plans to upgrade or upgrade the A9 or A99 north of Tain over the next 20 years.

“These are three things the government has the power to act on and could act on if it wishes.”

Raymond Bremner: “We may be witnessing a trend reversal.
Raymond Bremner: “We may be witnessing a trend reversal.

Raymond Bremner, the leader of Highland Council and member of Wick and East Caithness, said: ‘The data areas are extremely interesting. rural areas in Caithness and slight growth in a few urban areas, and that this seems to be a consistent trend since 2011.

“There are few areas that are seeing a reduction and mostly around a small number of areas in our cities. I remember being surprised to hear in a local education report earlier this year that our high school here in Wick may soon be overcapacity and that, contrary to previous reports of an expected population decline, we may already be seeing a reversal of the trend.

“This would be good news for our community and our economy, but will need to be considered by local authorities, agencies and organizations as to what it means for local economic support in the future.

“I would be interested to see how we can develop these views and considerations with these local organisations, including Highlands and Islands Enterprise and Caithness and North Sutherland Regeneration Partnership, as soon as possible.”

NRS statistician Esther Roughsedge said: ‘The population of small geographic areas changes over time for many reasons, including births and deaths as well as inward and outward migration.

“Each area of ​​the council has pockets of population growth and decline. Over the past year, the largest proportions of data areas that grew in population were primarily in rural and island areas.

“It’s quite different from the models we saw the year before.”

The report found that most people still live in large urban areas (38%) and other urban areas (34%).


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

Worcester Warriors pull out of Inverness friendly against Glasgow Warriors as players remain unpaid

Worcester Warriors have withdrawn from their friendly against Glasgow Warriors in Inverness on Friday.

Worcester Warriors’ future has been uncertain since they defaulted on a tax payment last month, which led to a winding-up petition from HM Revenue & Customs (HMRC).

They owe HMRC more than £6m as well as £14m to the Department for Digital, Culture, Media and Sport in the form of a Covid loan.

Worcester Warriors director of rugby Steve Diamond wrote in a statement that they had no choice but to pull out of their trip to Inverness for the friendly at Caledonian Stadium.

He wrote: “Together we have been forced to make the hugely frustrating and disappointing decision not to travel to Inverness tomorrow for our pre-season game against Glasgow Warriors on Friday as player and staff salaries remain unpaid. .

“The team have worked hard throughout pre-season and are bitterly disappointed to be placed in this position.

“We express our deep sadness to our hosts Glasgow Warriors who we hope understand the unique and worrying situation we find ourselves in.

“We would like to thank Adam Hewitt for his overwhelming generosity in offering to fund the trip.

“It’s just not possible to play when the future remains uncertain and a decision has to be made today.

“It is unethical for professional players to play a full match with the risk of injury and the real possibility of not having a job to follow.

“We thank everyone for their continued support and for standing behind all of us – together.”

Hours after announcing the cancellation of their pre-season game against Glasgow, the Press Association reported that Worcester Warriors had met the players’ 4pm deadline for payment of their August salaries.

However, the staff will only be paid at 65% in the hope that the amounts due will be settled soon.

Despite this latest development, the game against Glasgow will still not be played, with the Worcester side set to train on Thursday and Friday instead.

Glasgow Warriors have issued their own statement saying they are assessing alternative options and confirmed an open training session at Highland Rugby Club’s Canal Park will go ahead as planned.

It read: “Friday night’s pre-season opener against Worcester Warriors at Inverness has been cancelled.

“Due to their ongoing financial problems, Sixways players and staff have made the decision not to travel to Inverness to complete the game.

“Our squad of players have already made the trip north, and our community activations will continue, including tomorrow’s open training session at Highland RFC.

“We are currently evaluating whether alternative options are feasible and will share more information with you as soon as possible.

“While we are disappointed with this result, we recognize the difficult situation Worcester currently find themselves in and wish them well.

“In the meantime, we thank you for your patience.”

Already subscribed? Login

[Worcester Warriors pull out of Inverness friendly against Glasgow Warriors as players remain unpaid]

[[text]]



Marked Overdose Awareness Day

A heroin addict prepares to have a hit.

Today marks International Overdose Awareness Day, the world’s largest annual campaign to end overdoses, remember those who have sadly passed away, and acknowledge the grief of family and friends left behind.

The campaign also aims to remind people that overdose is preventable.

September is National Recovery Month which aims to raise awareness and hope for recovery.

Eve MacLeod, health improvement specialist at NHS Highland, said: “It is important that everyone is aware of overdoses; we can make a contribution and help prevent drug-related deaths. One way for everyone to do this is to download the Highland Overdose Prevention and Engagement (HOPE) app.

“The free app contains information on how to recognize an overdose and what to do in the event of an overdose.

“Recognizing an overdose can be difficult. If you’re not sure, it’s best to treat the situation as an overdose – you could save a life. Call 999 immediately.

TIP: Use naloxone, if available. Don’t leave the person alone.

  • Signs of an overdose may include:
  • Small constricted “point pupils”
  • Fall asleep or lose consciousness
  • Slow, weak, or no breathing
  • Humming, choking or gurgling noises
  • soft body
  • Cold and/or clammy skin
  • Discolored skin (especially around the lips and fingernails)

Naloxone is a medication that can reverse an overdose of opioid medications, such as heroin. Is it easy to use and details on how to get naloxone can be found in the HOPE app.

In support of International Overdose Awareness Day and Recovery Month, the Highland Alcohol and Drugs Partnership organized awareness messages to be shared on Moray Firth Radio, and the Highland Alcohol and Drug Advice and Support Service (HADASS) organized the illumination of the Ness Bridge in purple. , the color of Recovery Month.

Debbie Stewart, Highland Alcohol and Drugs Partnership Coordinator, said: “Preventing overdoses and reducing drug-related deaths is a priority and there are a range of initiatives currently underway at Highland.

“These include; a naloxone program which will include peer dispensing, an overdose alert system with the ambulance service, drug treatment standards, targeting those at high risk through housing d First, multi-agency prevention and review groups and overdose awareness routinely offered to people with access to drug and alcohol recovery services.

“Nevertheless, we recognize that more needs to be done and we will work closely together locally and nationally to do all we can to prevent overdoses and reduce drug-related deaths in the Highlands.”


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

Column: Taking the plunge with the Grand County Libraries Virtual Book Club

0
Members of the GCLD Virtual Book Club gathered at the Hot Sulfur Springs Library on August 6.
Grand County Library District/Courtesy Photo

Although Colorado is landlocked, that didn’t stop adults from diving into an “ocean of possibility” during the summer reading program hosted by the Grand County Library District (GCLD). GCLD’s Virtual Book Club has taken the plunge and engaged in a variety of ocean-themed books, movies, outdoor adventures, library programs and more.

Members searched AtoZ databases for countries and ethnic recipes, hiked lakes and waterfalls in Colorado and beyond, toured the Pacific Ocean, listened to scuba diving adventures, found similar reads on NoveList, discovered the Continental Divide Trail, gazed at Niagara Falls, and more. A family has even visited the creeks and lakes of Laura Ingalls Wilder’s childhood!

In addition, members discovered several entertaining, enlightening and inspirational readings. Below are some of their recommendations:



sea ​​stories

“Jaws” by Peter Benchley: “Take a bite of this one! Intense. Different from the movie, but I’m interested in reading the sequel. (Anonymous)

Pirates and Mermaids

Eli Brown’s “Cinnamon & Gunpowder”: “It was a fun spin on a pirate adventure. A chef is kidnapped and forced to cook for his life. Chaos, incredible food and sword battles. (Sarah)



“Bloody Jack” by LA Meyer: “A very amusing story about an orphan girl, disguised as a boy, who enlists with the HMS Dolphin. Will she be a heroine when they encounter danger and pirates?” (Anonymous )

Water documentary

“The Lobster Chronicles: Life on a Very Small Island” by Linda Greenlaw: Set on Isle au Haut in Maine, this is a “story of the lobster and fishing industry by one woman who was the first and most successful swordfish boat captain on the east coast for 17 years.(Michèle)

water-related fiction

“People We Meet on Vacation” by Emily Henry: “This was a fun read with a light plot. I even burst out laughing for a few parts! It’s fun for those who enjoy travel and difficult relationships. (Anonymous)

Rachel Hawkins’ ‘Reckless Girls’: “Action throughout the book keeps you hooked until the end. The mystery is so good you won’t want to put it down! (Chelsea)

By the sea

“At the Water’s Edge” by Sara Gruen: “A story set at the end of the Second World War near the edge of Lock Ness Lake in Inverness, Scotland. A wealthy young couple pursue their dream of finding the Loch Ness Monster in hopes of becoming famous. Their journey changes everything. (Anonymous)

This fall, the Virtual Book Club celebrates Books About Books, affectionately known as “Library Lit,” about bookstores, libraries, and librarians – both fiction and non-fiction.

All adult GCLD cardholders are invited to participate! Browse the library catalog suggestions in the Library Lit category. You will also find book presentations on the club’s Facebook group, called “GCLD’s Virtual Book Club”. Or, select your own reading! Then join us for gender celebrations scheduled for Nov. 7 at the Kremmling Library and Nov. 9 at the Hot Sulfur Springs Library. Contact these libraries for more information.

Things to Consider Before Applying for an Online Payday Loan with Guaranteed Approval

Although they can be unsettling, unexpected financial emergencies don’t have to destroy your week. You may even be able to solve your financial crisis on your lunch break with the quick and easy funding of instant payday loans. Payday loans are good for people with less than perfect credit or those who don’t want the hassle of a typical bank loan, but before you get one you should read on for an overview. Learn more about how these loans work and if they’re right for you.

How do payday loans work?

Payday loans are small up-front loans with high interest rates that must be repaid within a few weeks. These loans are for customers who need cash fast to get them “until payday”. Although applying and instantly receive money from payday lenders is quick and easy, they often charge high interest rates in exchange for their convenience and looser credit standards.

What are the necessary processes of a payday loan

Once your payday loan application is granted, your lender will ask you to complete some simple documentation, which you can usually do online while relaxing in the comfort of your home. In order to collect your money, you must also provide your bank account details.

Your loan repayment terms vary depending on the lender and loan amount, although some payday lenders want full repayment of principal plus interest within 2-4 weeks. For example, if you borrowed $300, your lender can arrange an automatic withdrawal of $340 from your bank account two weeks later (the original principal plus interest and fees). Your lender could set up automatic payments every two weeks until the debt is paid off for larger loan amounts. Sometimes you may be able to send your money by post, but that’s the exception, not the rule.

What are the fees for getting loans from online payday lenders

You might encounter a variety of fees when looking for payday loans that add to the principal of the loan. A small application fee is to be expected, especially if your lender requests a background check. In order to pay the administrative costs of processing and managing your loan, the majority of lenders additionally impose an origination fee, which can be either a flat fee or a percentage of the requested loan amount.

Some lenders also charge fees that can be avoided and are only relevant in specific circumstances. For example, you may be charged late fees if you miss a loan repayment. If you prepay your loan, some lenders will also charge a prepayment fee. If you choose to renew your loan at the end of a payment cycle, some lenders may charge a renewal fee. Make sure you have a loan repayment plan and adhere to repayment terms as closely as possible. These fees increase your overall cost of borrowing and should be avoided if possible.

What are the necessary steps before applying for a payday loan?

Payday loans are popular because they usually offer quick funding and are easy to obtain. Payday loans unfortunately have a bad reputation due to their accessibility, especially when consumers do not do adequate research beforehand. Before submitting an application, you should always check the following points to ensure that this type of loan is right for you:

The right type of loan must be chosen – KashPilot instant payday loans are a very specific type of financial product, but some companies sell items called “payday loans” that don’t quite fit the description. For example, some companies might need you to post collateral to secure the loan, putting your own property at risk. Before you apply, be aware of the specifics of your loan.

Consider your alternative options. – Not all borrowers are good candidates for payday loans. Consider options such as getting a second job, using credit cards, or borrowing from friends or relatives if you need a quick cash injection to get out of trouble. dead end.

Check the lender’s requirements. Income verification standards, credit scores, loan amounts and repayment terms vary by lender. Make sure the lender’s requirements can meet your loan needs before submitting an application.

Payday lenders must follow these rules, which aim to end predatory lending practices that prey on low-income families. Learn about these rules and make sure your lender follows any state regulations that may be relevant.

What are the basic requirements for applying for a loan online

Lenders are required to comply with state regulations since instant payday loans are regulated at the state level. As a result, the qualifications required to obtain a payday loan differ from lender to lender and from state to state. However, in general, lenders require a few basic things to qualify for a loan:

  • Age – The borrower must be at least 18 years old to be bound by the personal loan agreement.
  • Active checking account (credit score) – Many payday lenders prefer to deposit your loan proceeds directly into your checking account rather than processing cash or issuing checks for the original loan amount. Additionally, many lenders require your loan payments to be automatically deducted from the same account.
  • Income Verification – Location-specific income requirements apply, but lenders always want to see documentation showing your ability to repay the loan when it comes due. Although it does not necessarily come from a regular job, this income must be reliable and recurring.
  • Address, contact details (phone and email) Your lender will need a way to reach you if you don’t make your payments on time. A reliable home address, phone number and email address are required. Many lenders will also ask for names and addresses of references.

How are the possible reasons for your rejection possible?

Although the standards for payday loans are more flexible than those for traditional loans, lenders will still reject loan applications if they believe there is a significant risk of default. Your application may have been rejected due to:

  • You are unemployed or have a meager income. Lenders may reject your application if your income is insufficient to pay both your loan repayments and your basic living expenses, as they fear they will not be repaid.
  • You currently have or have recently taken out a payday loan – Each state has its own restrictions, but the majority of them only allow borrowers to have an outstanding payday loan. Borrowers are often limited to $500 to $1,000 in loans at any one time in places where many payday loans are legal.
  • You owe too much money right now. Lenders would likely consider your current obligations to determine your ability to repay, as they don’t place much emphasis on your credit ratings. Lenders might not be willing to accept this risk if you have too much current debt relative to your income (also known as your debt-to-income ratio).

How to apply online for a payday loan at Payday Depot

Once you have determined that KashPilot Instant payday loan is the best course of action for your financial situation, you can often submit your application right away and get cash the next day. Get a payday loan by doing the following:

  • Complete the loan application form: Many reputable payday lenders offer a short loan application that you can submit online at a time that is most convenient for you. To ensure the smooth running of the application procedure, bring your identity documents and proof of income.
  • Receive and compare offers. You are not required to accept a loan even if you are licensed as there are many payday lenders. If you use a loan matching tool like Payday Depot to shop around, you can get multiple offers from multiple banks. Choose the option that best suits your needs by comparing them based on interest rates, loan amounts and repayment terms.
  • Once you have chosen the best offer, you must sign the loan conditions, complete all remaining documents and provide your bank details. Often you can do this online using a secure web gateway without having to go to an actual office.
  • Get your money – Within 24 hours, the majority of lenders will deposit your funds directly into your bank account. Ask your lender for an estimated time frame as part of the application process. Depending on their policies, some lenders allow same-day deposits, while others may require 2-3 business days.

Julie Snearl

Senior Personal Finance Writer at KashPilot

An editor and writer for over a decade, writing and editing finance for national technical and mainstream readership, Julia Snearl is the Personal Finance Editor in KashPilot. His experience in business book publishing also includes working as graphics editor of Ahead of the Curve. With over 3 years of experience editing content for finance on KashPilot, Julie is interested in learning how to use digital content to help people make better financial choices.

East Midlands could receive new powers under first-of-its-kind devolution deal

The East Midlands could receive new powers to improve transport, control the education budget and build homes under a first-of-its-kind devolution deal if the government’s Leveling Bill is passed.

The initiative, announced by the Department for Levelling, Housing and Communities on Tuesday, would see a combined county municipal authority in Derby, Derbyshire, Nottingham and Nottinghamshire and the election of a mayor.

The incumbent in the new role would be tasked with addressing local priorities including education, infrastructure and housing construction, backed by a £38m-a-year investment fund, totaling £1.14bn over 30 years.

Upgrading Secretary Greg Clark said the East Midlands had the potential to ‘lead the UK economy of the future’ (Beresford Hodge/PA)

The mayor would be granted compulsory purchasing powers, the ability to designate municipal development areas and create municipal development corporations, similar to those seen in parts of London, to promote growth and build new homes.

The county’s combined municipal authority would have control over an adult education budget and the ability to increase control over transport infrastructure.

However, the new model of decentralization is dependent on parliamentary approval of the government’s flagship Leveling and Regeneration Bill and necessary secondary legislation, as well as public consultation.

This week the bill drew criticism from a group of all-party MPs on the Upgrading, Housing and Communities Select Committee, who said it lacked detail and did ‘not do much’ -thing to reassure” that the upgrade is “more than a slogan”.

Despite criticism at a relatively early stage of the bill’s passage, an election for mayor is expected to take place in 2024.

Announcing the deal on Tuesday, Leveling Up secretary Greg Clark said: “The East Midlands are renowned for their economic dynamism and they have the potential to lead the UK economy of the future.

Taking decisions out of Whitehall and putting them in the hands of local people is fundamental to scaling up and this deal does just that.

Greg Clark

“For a long time I have believed that the East Midlands should have the devolved powers and budgets enjoyed by other parts of Britain and I am delighted to be able to do this in Derby, Derbyshire, Nottingham and Nottinghamshire.

“I am impressed with how councils across the region have come together to agree the first such deal in the country, which will benefit residents of all major towns, cities and towns in the Derbyshire and Nottinghamshire region. »

“Taking decisions out of Whitehall and putting them back in the hands of local people is fundamental to moving to the next level and this deal does just that.”

The new East Midlands Combined County Authority would be granted control of over £17m of additional funding for the construction of new homes on brownfields in 2024/25, subject to sufficient eligible projects for funding being identified .

An additional £18 million has been agreed to support housing priorities and drive carbon neutrality across the region.

In a joint statement, MP Ben Bradley, Leader of Nottinghamshire County Council, Barry Lewis, Leader of Derbyshire County Council, Chris Poulter, Leader of Derby City Council, and David Mellen, Leader of Nottingham City Council, said the deal was “fantastic news”. ”.

They said: “As leaders, we have all fought for a fairer share of our cities and counties, and a greater voice for our region, to give ourselves the weight and influence we deserve and for us help realize our full potential. .

“This agreement would help make that a reality, creating more and better jobs through increased investment in our region, with increased economic growth, better transport, housing, job training and a cleaner environment. improved green, as we move towards carbon neutrality.

“This is what we all want to see, and we will work together for the common good of the East Midlands.

“We haven’t always had the same level of funding or influence as other areas, which has held us back. This is a golden opportunity to change that and put the power to do so in our own hands.

“There is still much to agree, and this is the start of the journey, not the end. We are determined to build on this agreement over time, as other regions have done.

Jim O’Toole submits Worcester takeover plans to DCMS

Jim O’Toole, the coordinator of a consortium to buy Worcester Warriors, has submitted a proposal to the Department for Culture, Media and Sport which outlines a long-term funding plan to rescue and stabilize the financially troubled club .

According to a statement compiled over the weekend, this proposal urges DCMS to “immediately” put “affected entities” into administration as players and staff await payroll this month with a pre-season game against the Glasgow Warriors scheduled for Friday in Inverness.

O’Toole also addresses Worcester’s long-term government loan repayment, a debt which has been estimated at £14m, and suggests there will be a “significant contribution” from US partners in the future.

Telegraph Sport revealed James Sandford’s involvement in the consortium trying to take over Worcester last week and the former Irish London lock, founder of medical data firm Atlas SportsTech, has been highlighted as a major influence.

“I can confirm that James Sandford of Atlas SportsTech Limited and I have today submitted a proposal to DCMS regarding the funding and future of Worcester Warriors Rugby Club,” read O’Toole’s statement, seen by Telegraph Sport in the early hours of Sunday. Morning.

“This includes a multi-year operational funding commitment and long-term government loan repayment. The success of this proposal depends on the immediate placement of the entities concerned in the administration, which we have encouraged the DCMS to implement.

“We believe we have a compelling, innovative and robust plan to rethink the club’s business model using available assets as well as the significant contribution of our US partners to ensure the long-term sustainability of professional rugby for the community, the city , and our wider backcountry while ensuring the Duckworth family heritage remains at the heart of the club.

“We look forward to a quick response that would allow us to move forward quickly, and in the best interest of the club’s current staff, supporters and stakeholders. Full details of our US partners will be released in due course.
On Saturday evening, a source familiar with the negotiations said there had been “constant dialogue” with a number of options presented.

All parties remain “very conscious of the timing”, given the proximity of the Premiership campaign and the eagerness to keep the Worcester squad together by paying players. Overall, the mood was “full of hope”, although there is still “a long way to go”. Worcester was asked to comment.

Inside the Rise of Expensive Pawnbrokers – and Affordable Alternatives

IF money is tight, you may have considered pawning something valuable.

It can be jewelry, a watch or a handbag.

1

We investigate pawnbrokers and provide advice on affordable alternatives

The cost of living crisis has seen a boom in pawnbroking – where money is made available in exchange for something of value which, if repayment is not met, can be sold.

But experts warn that loans are expensive, and if you can’t repay the debt, you could lose something of sentimental value.

This week, Sun Money investigates these loans and provides advice on affordable alternatives.

EXPENSIVE RATES

YOU could end up paying back hundreds of pounds in interest. Three of the UK’s largest pawnbrokers, Cash Converters, Ramsdens and H&T, charge between 118.8% and 119.9% ​​annually.

Exact code to spot for first installment £650 payment landing in bank accounts
Exact date 1.1million families will receive first payment of £326 for cost of living

This means that if you take out a loan of £500 over six months, you will have to repay £299 in interest or £799 in total, at a rate of 119.9%.

The loans are much more expensive than those from the big banks, but cheaper than payday loans.

Many quote a monthly or daily interest rate, but they must also state the annual rate.

Often you can only borrow a percentage of an item. For example, if your ring was worth £200, you might only be able to borrow £100. Sometimes you have to repay the loan in one installment.

A spokesperson for H&T said: “We serve customers who are unable to raise funds in the traditional bank credit system, or who need a low value short-term loan to meet a need immediate funding.”

AFFORDABILITY FEARS

Pawnbrokers do not perform credit checks. This can be an advantage if you have bad credit, but it means there is no collateral to ensure you can afford the loan.

Debt adviser Sara Williams of Debt Camel said: ‘Some people find they are repurchasing an item but it has left them with so much money they have to pawn it again in a few weeks.

“A one-time convenience can turn into a long-lasting nightmare, especially if you pawn jewelry with sentimental value.”

A spokesman for the Financial Conduct Authority said: ‘We have reformed the market to help borrowers avoid getting into debt and have been clear with lenders about the need to support customers in times of difficulty.

“We will take action if companies fail to meet their obligations.”

IF YOU DO NOT REPAY THE LOAN

If you repay on time, you can get the pawned item back. But you must keep the receipt.

If you lose it and the item is over £75, you will have to pay a fee to have a magistrate or commissioner for oaths swear the goods are yours. If you can’t repay the loan, the item is sold.

James Daley of Fairer Finance said: ‘Avoid pawning any item with high sentimental value unless you are confident in your ability to repay.

If your item is resold, you should receive all the extra money the pawnbroker receives – on top of what was offered to you.

James adds: “In the past, pawnbrokers have failed to reunite customers with this extra cash.

“So if you’re pawning something and it’s sold, check how much it sold for and find out what money is owed to you.”

AFFORDABLE ALTERNATIVES

If you need to borrow money, consider other options. Remember that emergency credit should only be used in extreme circumstances, such as to pay a priority bill or if your car breaks down.

If you have a low income or bad credit, you may find it difficult to qualify for the higher loan rates. This is why affordable alternatives are important.

First, try to get some free money in the form of grants. If you are on benefits, talk to your work coach about the Household Support Fund. Or ask your local council if they can help you.

Or Jane Tully of MoneyAdviceTrust, suggests, “Credit unions often offer a range of affordable products at cheaper rates and there’s a cap on how much interest they can charge.”

If you’re having trouble paying a bill, talk to your provider.

Use Turn2Us to search for grants or talk to End Furniture Poverty, if you need furniture or a new fridge-freezer, for example.

I'm a barista… the things I'm sick of hearing
Alison Hammond looks slimmer than ever in plunging swimsuit while on vacation

Responsible lenders like Fair For You offer lower-cost loans to help you buy home essentials. Iceland is giving interest-free micro-loans of £75, in the form of a pre-loaded card to spend at the supermarket.

You can seek free debt advice from Citizens Advice, StepChange or National Debtline.

Caley Thistle crashes to late loss as penalty seals Championship win for visitors Morton

A late penalty from Grant Gillespie earned Morton a 1-0 victory at Caley Thistle in a league game that looked certain to end scoreless.

There was little skill or cutting edge on either side, but the Ton snatched all the points with a killer kick five minutes from time.

The hosts were looking to recover from their 4-1 defeat at Partick Thistle last Friday, while Morton were looking to build on their home draw against Dundee.

Before a ball was kicked, these teams were locked on five points each, so there would still be great value for the winner, even just five matches.

Inverness midfielder Scott Allardice (left) and Morton’s Grant Gillespie face off.

Last season ICT won three of four league meetings against opponents Greenock. Most games were close, but the Highlanders went wild with a 6-1 rout at Cappielow.

That glittering spectacle, however, came days after the Ton knocked Caley Jags out of the Scottish Cup, on penalties, after a two-legged 1-1 draw.

Former Inverness midfielder Dougie Imrie took over at Morton just before Christmas and led them to a mini revival, with the club finishing seventh, away from relegation danger.

A two-year contract extension given to Imrie on Friday was a further boost for the visitors, who were unchanged from last weekend’s 0-0 draw with Dundee.

Local head coach Billy Dodds, however, made four changes to his roster, with defenders Wallace Duffy and David Carson, winger Steven Boyd and forward George Oakley starting.

Centre-half Zak Delaney and on-loan Hibs winger Daniel MacKay fell to the bench, with Lewis Hyde and Aaron Doran missing entirely. Daniel joined his brother Calum MacKay as substitutes together for the first time.

Blow for ICT striker Samuels

Under a blazing sun, both teams started with brightness around them, Boyd in particular making his presence felt with some neat passes.

A timely tackle from Robbie Deas stopped Jai Quitongo in his tracks when he was cleared by Robbie Crawford.

ICT had to make a substitution in the 25th minute when striker Austin Samuels came off after a knock and he was replaced by Nathan Shaw.

ICT striker Austin Samuels is injured.

Midfielder Roddy MacGregor tested goalkeeper Brian Schwake from range five minutes later, but it was a pretty comfortable hold.

ICT midfielder Allardice may have been lucky enough to escape with just a yellow card eight minutes before the break as he appeared to come in behind Quitongo just outside the box.

Caley Jags keeper Mark Ridgers then made a nice save to keep Jaze Kabia off a beater. He then pushed the Cameron Blues follow-up over the bar, but the flag was up anyway.

The handball call led to a winning penalty

There wasn’t much to get the fans excited about in the heat until the 58th minute when another Ridgers save prevented Quitongo’s shot from flying into the net after the striker hit the center of Kabia.

The teams canceled out for the remainder of most of the second half, with a header from Roddy MacGregor looking like the closest a breakthrough was.

That was until, five minutes from time, referee Nick Walsh pointed the spot after Wallace Duffy was judged for handling the ball when he challenged Jack Baird.

It was a big call and Gillespie smashed the kick powerfully past the Ridgers to seal the win.

It’s a result that propels Morton into fourth position, while ICT drops to eighth position.

ICT’s Steven Boyd and Morton’s Cameron Blues.

Caley Thistle hit the Premiership route Motherwell in midweek for their Premier Sports Cup second round tie before returning to the league at Raith Rovers next weekend.

CALEY THISTLE (4-4-2) – Ridgers 7, Duffy 6, Harper 6, Deas 6, Carson 6, Billy Mckay 6, MacGregor 6, Oakley 6 (Daniel MacKay 66), Allardice 6, Samuels 6 (Shaw 25), Boyd 6. Subs not used – Cammy MacKay (GK), Devine, Delaney, Calum MacKay.

MORTON (4-4-2) – Schwake 6, Pignatiello 6 (Hynes 80), O’Connor 6, Baird 6, Kabia 7 (McGrattan 80), Blues 6, Muirhead 6, Quitongo 6, Crawford 6, Gillespie 6, King 6 (Strap 67). Unused submarines – Green (GK), Lyon, Lithgow.

Referee – Nick Walsh.

Turnout – 1,924.

Man of the match – Jaze Kabia.

Already subscribed? Login

[Caley Thistle crash to late defeat as penalty seals Championship win for visitors Morton]

[[text]]



Social media is a gift for people who want to behave maliciously

JK Rowling arrives for the world premiere of Fantastic Beasts: The Secrets of Dumbledore (Ian West/PA)

JK Rowling has described social media as “a gift for people who want to behave maliciously”, after facing online threats.

Police began investigating earlier this month after the Harry Potter author, 57, received a threatening message on Twitter when she posted her support for Sir Salman Rushdie.

She shared screenshots of a post from a user who wrote “don’t worry you’re next” in response to her tweet about the Indian-born British-American author, who had been stabbed on stage in upstate New York.

Speaking to Graham Norton on Virgin Radio UK, Rowling asked if there was anything she could do to defuse the intensity of the online conflict.

She said: “I think on some level I’m not sure I can. I’m not sure an individual can do that. I try to behave online as I would like others to behave.

“I would never… I’ve never threatened anyone obviously and I certainly wouldn’t want anyone going to their house or anything like that.”

“Social media can be a lot of fun and I love the pitch aspect of advertising. It can be a fun thing to do. But there is no doubt that social media is a gift for people who want to behave maliciously. »

Rowling, who has been criticized for her views on transgender people and biological sex, has previously said she has faced threats from activists on social media.

Last year, her address was posted online by activists who posed outside her home with “Trans liberation now” signs.

Speaking about her use of social media, Rowling said: “I actually took, I think, a whole year on Twitter, or quite a while, and then when Covid hit…

I try to behave online as I would like others to behave

JK Rowling

“I actually didn’t go back to the fight stuff in the pubs. I went back because I wanted to do The Ickabog – so it was a children’s book for those who don’t know. And so I wanted to post it for free and Twitter was a really good (place to do that).

“So I came back with the intention of doing The Ickabog and I kind of have a love/hate relationship with it now.

“I can happily go a few days without getting into a pub fight.”

Rowling was featured in a recent Harry Potter 20th anniversary reunion special, but only in archival music videos.

She told Norton that she declined the offer to appear because the program focused on the movies, not the books.

She said: ‘I was asked to be on it and decided I didn’t want to do it. It was more about movies than books.

“Rightly so, that was what it was about. I was asked to do it and I decided not to.

Rowling’s views on transgender issues have drawn criticism from some of Potter’s stars, including Emma Watson and Daniel Radcliffe.

When asked if she had spoken to any of the actors, she replied: “Yeah, I do. Some more than others but that’s always been the case. Some I knew better than some. others.

Northeast Scotia Homes Site Manager Wins Industry’s Most Prestigious Award

A former carpenter’s apprentice has been recognized as one of the UK’s best building site managers after winning a housing industry award for the second year in a row.

Fraser Stephen, who works for Scotia Homes on their Chapelpark development in Oldmeldrum, Aberdeenshire, has been shortlisted to receive a National House Building Council Quality Award at their 2022 Pride in the Job Awards.

The NHBC Awards recognize site managers who have achieved the highest standards in UK home building by assessing a range of criteria in thousands of site inspections across the country.

The Chapelpark development in Oldmeldrum, Aberdeenshire, by Scotia Homes.

With just 450 winners selected from over 8,000 entrants in the UK, the winners are some of the best homebuilders in the country.

Mr Stephen, 33, from Peterhead, was one of three Scotia Homes managers to win the award for the quality of the homes they build, and they were among just 47 winners in Scotland.

Other society winners include Norman Bruce, at Culloden West in Inverness, and Stephen Milne at Hazelwood in Blairgowrie.

Seal of Excellence

Mr. Stephen will now move on to the next stage of the competition, the Seal of Excellence, the winners of which will be announced later this year.

He said: “It is a real honor to receive a Pride in the Job Award for the second year in a row.

Fraser Stephen has been shortlisted for the 2022 Pride in the Job Awards.

“The awards are a personal goal each year and the recognition makes all the hard work worthwhile.

“I am extremely proud of my team, which has risen to the constant challenges of the construction industry.

“They have gone the extra mile time and time again to deliver quality homes and this award is recognition of their efforts.”

Hats off to the winners, from left to right, Stephen Milne, Fraser Stephen and Norman Bruce.

Hat trick

This is the first year that Scotia has won a treble of awards, marking a new record for the company.

Celebrating the company’s success, Martin Bruce, Managing Director of Scotia Homes, said: “We are extremely proud of Fraser, who has been rightly recognized for the quality of his work at the Pride in the Job Awards for the second consecutive year.

“Having joined the company in 2005 as an apprentice carpenter, he rose through the ranks at Scotia Homes and this award makes him one of the top homebuilders in the country.

Company registration

“To have set a new company record – with three winners at this year’s awards – is a real honor and I think it speaks to our dedication to delivering high quality homes across Scotland.”

NHBC chief executive Steve Wood said: “For over 40 years, Pride in the Job has been an important part of our work to help improve the quality of construction.

The show home in Chapelpark, where the laureate Fraser Stephen is based.

“At NHBC, we believe the caliber of the site manager and how they inspire their team has the biggest influence on the quality of the finished home.

“By promoting friendly rivalry, showcasing best practices and rewarding excellence, Pride in the Job supports the delivery of the highest quality homes.

“Congratulations to all of the 2022 Pride in the Job Quality award winners. They are an inspiration to us all and should be very proud of the quality of the new homes they are creating.

The Chapelpark show home demonstrates the company’s high standards.

Scotia Homes is headquartered in Ellon, Aberdeenshire and has been building homes in the North of Scotland for over 30 years.

They build around 200 new homes a year and currently employ over 200 people in the north of Scotland.

Already subscribed? Login

[North-east Scotia Homes site manager wins top industry award]

[[text]]



Harry will ‘share the spirit’ of Diana on the 25th anniversary of her death

0

The Duke of Sussex has said he will ‘share the spirit’ of Diana, Princess of Wales with his children as he celebrates the 25th anniversary of her death.

Harry said he wished Archie and Lilibet could have met his late mother who he said will “surely never be forgotten”.

Speaking at a dinner party in Aspen, Colorado, for Sentebale – his Africa-based charity which supports young people with HIV – Harry said he hoped to make Diana proud every day.

The Duke of Sussex plays in a polo match during the Sentebale ISPS Handa Polo Cup at the Aspen Valley Polo Club in Carbondale, Colorado (Kirsty O’Connor/PA)

The Duke said: “My dear friend Prince Seeiso and I founded Sentebale 16 years ago in honor of our mothers, with a mission to support many of the most vulnerable young people on the planet – and to provide care and help them thrive.

“In Sesotho, the language of the Basotho – the word Sentebale means ‘forget me not’.

“Next week is the 25th anniversary of my mother’s death, and she will certainly never be forgotten.

“I want it to be a day filled with memories of her incredible work and love for the way she did it.

“I want it to be a day to share my mother’s spirit with my family, with my children, who I wish I could have met.

The Duke and Duchess of Sussex holding their son Archie in 2019 (Toby Melville/PA)
The Duke and Duchess of Sussex holding their son Archie in 2019 (Toby Melville/PA)

“Every day, I hope to make her proud. She was tireless in her work to support and de-stigmatize people living with HIV/AIDS. For good reason, her favorite flowers were the forget-me-nots.

“I hope we can remember my mother’s legacy by recommitting to those we serve, whoever and wherever.

“For Sentebale, our commitment is to end HIV and provide meaningful care and support to children and young people whose lives have been affected by this disease. Because they too will never be forgotten.

Diana died in a car accident in Paris on August 31, 1997.

His legacy lives on in his sons Harry and William through their work advocating for causes close to his heart.

Harry has taken up the cause of supporting people living with HIV/AIDS through Sentebale and by publicly testing for the virus – including with pop superstar Rihanna in 2016.

Diana, Princess of Wales (John Stillwell/PA)
Diana, Princess of Wales (John Stillwell/PA)

Earlier on Thursday, Harry claimed victory at an annual charity polo tournament in Aspen with commentators praising his ‘superstar’ game in the Sentebale ISPS Handa Polo Cup.

During his post-polo speech, Harry said: “At Sentebale, we strive every day to break generational cycles of trauma and stigma.

“By educating and empowering young people to know their status and know that they can live a long and healthy life while on medication, we aim to end HIV once and for all.

“By being here today, you are part of our journey. So we thank you. I thank you. And if she was here, I know my mom would thank you too.

In the state of Alabama, how many payday loans can you have at one time?

Moving to a new state can be scary, especially when it comes to employment, and even more so when you’re worried about your debt. In this article, find out how many statistics payday loans in alabama you can have at the same time.

What is a personal loan?

If you’re looking for a quick and easy way to get cash, a payday loan may be your best bet. A payday loan is a small loan you can take from a bank or payday lender. You can use them to cover short-term expenses like groceries, utilities, and rent, or to cover unexpected expenses like a car repair or medical bill.

The downside of payday loans is that they are high interest loans and usually come with hidden fees that can add up quickly. Additionally, you must repay the loan immediately – even if you don’t have the money to pay it back right away. This means that payday loans are a kind of risky financial transaction.

If you’re considering borrowing money from a payday lender, be sure to read the fine print carefully before making your decision. And remember: just because you can easily get a payday loan doesn’t mean

In the state of Alabama, there are laws that limit the number of payday loans a person can take out at one time. These laws are in place to protect consumers from abuse by lenders and to help ensure that every payday loan is awarded fairly.

Generally, an individual can have up to three payday loans taken out at the same time. However, if a person has had problems with previous payday loans or has a history of bad credit, they may only be able to take out two payday loans at a time. Also, if an individual needs more money than they can afford to repay within the time limit, they may only be able to borrow up to $500 per loan.

How many Alabama payday loans can I get?

Back then, payday loans were only available through installment loans. This is because most payday lenders only give out small loans that are easy to repay and they don’t want to take too much risk. However, times have changed and Alabama residents can now get payday loans from any lender they choose. This means you can have as many payday loans as you need to meet your needs.

Homebuyers in London need £35,000 top income for mortgage, Zoopla says

First-time buyers will need to make an extra £12,250 to afford a home as mortgage rates are set to rise further this year, says Zoopla (PA)

First-time buyers will need to earn an extra £12,250 to afford a home as mortgage rates are set to rise further this year, Zoopla said.

Meanwhile, hopeful buyers in London will need a whopping £35,000 more income to take out a loan on the average property than a year ago, according to the House Price Index of the real estate portal.

With interest rates raised by the Bank of England to help curb spiraling inflation, first-time home buyers are set to bear the brunt of increasingly unaffordable mortgages.

Demand is increasingly fragile and first-time buyers who have supported the market are feeling the pressure

Sarah Coles, Analyst

The central bank set the base interest rate at 1.75% in August, marking the biggest increase in 27 years.

Traders in the city predict rates could hit 4% in the new year as double-digit inflation in the UK rises even further.

Low-income first-time buyers, owners looking to swap their current home and buyers in the South East of England and the capital will feel the greatest impact in terms of what they can afford, warned Zoopla Friday.

Additionally, property prices continue to rise, with the average home now costing £19,800 more than last year. That’s a year-over-year jump of 8.3%, Zoopla said.

It also means that buying could become more expensive than renting in some areas due to rising interest rates driving up the cost of monthly mortgage repayments. Until recently this was not the case for all areas outside of London.

However, housing demand has not weakened as much as people might expect, despite rising prices and rising living standards, Zoopla noted.

This is because homebuyers generally have higher disposable income and are better protected against the impact of the rising cost of living.

In contrast, lower-income households tend to rent or own their homes and spend more of their budget on basic necessities and utilities, the real estate site added.

But while the housing market has held up so far, home sales are expected to slow from the fall to 2023 once we start to see the impact of rising costs on affordability for first-time buyers. said the experts.

Sarah Coles, senior personal finance analyst at Hargreaves Lansdown, said: “The housing market may not be as safe as houses because while annual price increases are still impressive, there are signs of weakness. .

“Demand is increasingly fragile and first-time buyers who have supported the market are feeling the pressure.

“First-time buyers are driving the housing market, especially as they represent just over a third of all sales.

“When they get cold feet, it takes over the rest of the market, so those who want to move up the ladder find themselves unable to move their old property and are stuck in limbo.”

The Duke of Sussex in the saddle for the annual charity polo tournament in Colorado

0

The Duke of Sussex is due to take part in an annual polo tournament in Aspen, Colorado today to raise money and awareness for his charity Sentebale.

Harry will play for the Sentebale team, joined by his long-time friend and association ambassador: Argentinian polo player Nacho Figueras.

They are to face off against the Royal Salute and US Polo Assn teams in a round robin tournament.

The Sentebale ISPS Handa Polo Cup is held annually at the Aspen Valley Polo Club and is the largest fundraising event for the charity to further its mission on behalf of the youth of Lesotho and Botswana.

It is not known if the Duchess of Sussex will take part in the tournament to encourage her husband.

It is unclear if the Duchess of Sussex will take part in the tournament to cheer on her husband (Matt Dunham/PA)

Sentable was established in 2006 by Harry and Prince Seeiso of Lesotho.

The charity works with children and young people in southern Africa whose lives have been affected by extreme poverty, inequality, HIV/AIDS and, more recently, Covid-19.

Ahead of the event, Harry said: “We are delighted to once again return to the beautiful grounds of Aspen Valley Polo Club for the annual Sentebale ISPS Handa Polo Cup.

“Sixteen years ago, Prince Seeiso and I founded Sentebale in honor of our mothers’ work on HIV, and named after my mother’s favorite flower, the ‘forget me not’ in Sesotho , representing our commitment to always remember and stand up for those in need.

“We are all proud of the support we are able to provide young people in Lesotho and Botswana to feel empowered, healthy, resilient and able to thrive.

“The funds raised this year will be invested in these communities at a critical time, as inequalities have been exacerbated by the pandemic.

“We are extremely grateful to our partners and supporters here today, especially our long-time title sponsor, ISPS Handa, for making this day possible.”

We are delighted to once again return to the beautiful grounds of the Aspen Valley Polo Club for the annual Sentebale ISPS Handa Polo Cup… We are all proud of the support we are able to provide to the young people of Lesotho and Botswana to feel empowered, healthy, resilient and able to thrive.

The Duke of Sussex

Dr Haruhisa Handa, founder of the international sports promotion society, ISPS Handa, said the work carried out by Harry and Prince Seeiso had “changed the landscape of care for people with HIV/AIDS in Lesotho and beyond. “.

Sentebale’s 2021 Annual Report, released this year, highlighted the socio-economic impact that Covid-19 has had on individuals, organizations and communities in Lesotho and Botswana.

The two African countries have the second and fourth highest HIV prevalence rates in the world respectively, and the report highlighted how many of the challenges children and young people face have been exacerbated by the pandemic.

Winger Daniel MacKay says Caley Thistle can show strength by bouncing back from Partick loss

On-loan Hibs winger Daniel MacKay is urging his Caley Thistle teammates to respond in the best possible way to their ‘monster’ Championship mistake at Partick Thistle.

Friday’s shock 4-1 defeat at Firhill was ICT’s first defeat of the season, after progressing to the second round of the Premier Sports Cup, which will take them to Premiership Motherwell next Wednesday.

There have been just four league games and ICT are in mid-table after draws with Queen’s Park and Arbroath, a 4-1 win over Cove Rangers and then the bad night at Partick.

Daniel MacKay, left, and defenseman Robbie Deas.

As the Highlanders prepare for their home clash against Morton on Saturday, they are aiming to close the gap to early leaders Ayr United.

The Honest Men are one point ahead of Partick, Dundee and Queen’s Park. Raith Rovers are one place and one point above TIC.

Caley Thistle and Morton are locked on five points, so a second straight home win will put them back in the top tier, with Ayr and Dundee meeting at Somerset Park on Friday.

A strong mindset will serve ICT well

MacKay, 21, who has returned to Inverness on loan for a season from Hibs, insists the team are determined to show that Friday was just a bad night, one to be written off.

He said: “It was kind of a weird game for us where nothing went right, we didn’t play well and a few decisions went against us here and there.

Daniel MacKay, right, in action for Caley Thistle against Queen’s Park.

“Now we have to react and show that we have a strong mentality. There will be ups and downs throughout the season and it’s about how we react.

“If we can come back and get a good win against Morton, we can move up a few places. That’s all we can do.

Caley Jags must find winning form

MacKay was on loan at Kilmarnock last season, who won the league title just two points clear of Arbroath, with ICT reaching the play-off final, where they lost to St Johnstone.

The wide midfielder insists, while the 2022/23 edition could also go to the wire, the Highland side must ensure they are in the mix for the title.

He said: “The championship is always tight. Last season, a single game decided the title race.

“The year before, when Hearts won it, it wasn’t as comfortable as people might have thought.

“It’s always a strong league and the teams will always look to be strong at home. We have to make sure we do that too.

“There are several good teams in the league, like Dundee and Partick, but there are always a few surprises. Morton finished well last season, Cove went up and Queen’s Park, which spent some money.

Inverness head coach Billy Dodds.

“It’s a good league to be in, but we have to make sure we’re on the right side by also being on the right side of the results.”

Team competition can advance the team

MacKay was one of six summer signings for Inverness and he thinks boss Billy Dodds, once the immediate injuries clear up, will be happy with his options.

He added: “The gaffer probably has two or three boys for each position, so he has a lot of options.

“We are a bit light in central midfield at the moment with Sean Welsh injured, but Lewis Hyde can substitute for example.

“We have centre-backs Danny Devine and Max Ram to return, while you have myself, Steven Boyd, Nathan Shaw and Austin Samuels who can all play wide.

“It’s really about trying to get everyone fit and keep everyone fit, we can perform well and win in different types of games throughout the season. That’s what can take you to the top of the whiteboard.

Much more to come from MacKay

MacKay’s lack of playing time since leaving Inverness for Hibs in May 2021 has led to his loan to Killie and now back to the club where he flourished most.

And he reckons the one-season ticket back north will once again lead to some fun on the pitch.

He said: “It has been good to come back to play after a year of not really playing.

Daniel MacKay in action for Hibernian against Kilmarnock in August 2021.

“Fortunately, I came in before the start of the Premier Sports Cup and had a good run in the team.

“I started the season well, but there is a lot of improvement to come from me and the boys.

“It’s still close to the start of the season and you won’t be 100%, but I’m happy to be back and that’s the main thing for me.

“People say ‘it’s good to go home’, but it’s not. It’s more about getting back to playing and enjoying football again.

Already subscribed? Login

[Winger Daniel MacKay says Caley Thistle can show strength by bouncing back from Partick loss]

[[text]]



Flagship bill ‘does little to reassure that upgrading is more than a slogan’

The Government’s landmark bill to expand opportunities across the UK does ‘little to reassure’ that the race up is ‘more than a slogan’, ministers have warned.

A cross-party group of MPs have written to Communities Secretary Greg Clark telling him the Leveling and Regeneration Bill currently going through Parliament lacks detail.

The Upgrading, Housing and Communities Select Committee also expressed concern that the Bill would lead to local councils having less say in planning decisions in their own backyards, while the central government has more power.

The bill does little to reassure that the race to the top will prove to be more than just a slogan and that we will have meaningful change in local communities across the country.

Clive Betts, Select Committee on Upgrading, Housing and Communities

Labor chairman of the committee, Clive Betts, said: “In its current form, the bill does little to reassure that the race up will prove to be more than just a slogan and that we will have significant changes in local communities across the country.

“In key areas, it is unclear how the government intends to drive change and it has yet to commit to the spending necessary to level the country.”

He added: ‘Our investigation focused on the planning provisions of the bill, which can be described as loosely related proposals to tinker with the current system, hoping for improvement.

“It has been difficult to conduct a careful review as many details of the arrangements have yet to be released.

“The Secretary of State has asked us to give our advice, and our advice is that more information be provided on the government’s intentions, and that the government state unequivocally that it does not seek to centralize planning decisions .”

The bill aims to reform the planning system in England to make new housing developments more attractive and to ensure developers fund new road links, schools and medical practices.

There are also plans to give councils new powers to regenerate empty high streets, including through the compulsory purchase of empty shops.

The bill will also create a legal obligation for the government to measure the success of its leveling program over the remainder of the decade.

MPs have warned Communities Secretary Greg Clark that the Leveling and Regeneration Bill lacks detail (UK Parliament/AP)

The committee was asked to write to Mr. Clark with his thoughts on the bill after he became Communities Secretary.

His predecessor, Michael Gove, was sacked by Boris Johnson after he privately urged the Prime Minister to step down.

In the letter, the committee questioned whether the government’s commitment to build 300,000 homes a year was a guideline or a set target, and said it was struggling with “the lack of detail contained in the bill”.

The group of MPs also said the government must “act” to show it was not trying to further centralize the planning system and allay fears expressed by local authorities.

The committee believes that the “main tool” for reaching the next level should be “appropriate funding for the areas that need it most”.

But he added: “None of the provisions of the bill will directly contribute to advancing the achievement of these missions – other than setting them. There is also no leveling funding associated with the bill.

What are Christmas loans? – Forbes Advisor

Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

From vacation trips to gifts under the tree, Christmas costs can add up quickly. If you’re feeling strapped for cash, you may be considering a loan to get you through the season.

Christmas loans are a type of personal loan designed for holiday expenses. You can borrow one to pay for gifts, trips, or just about any other legal purpose. You will receive a lump sum up front, which you will repay over time, usually with fixed monthly payments.

The terms of your loan vary by lender. Borrowers with good credit will generally qualify for better rates and more favorable terms, while borrowers with bad credit may have fewer options or receive higher interest rates.

Christmas loans can be unsecured or secured with collateral. To qualify for an unsecured loan, you will generally need good credit and sufficient income. The requirements for getting a secured loan tend to be more flexible, but you risk losing your collateral if you can’t repay what you’ve borrowed.

How do Christmas loans work?

You can usually find Christmas loans from online lenders and credit unions. Many banks also offer personal loans, although they don’t call them Christmas loans. Each lender determines its own rates, terms and application process. Because of these differences, it’s a good idea to shop around and compare options.

Some lenders require a minimum credit score, while others don’t check your credit at all. However, lenders who do not require credit checks usually charge high rates. In fact, these Christmas loans no credit check are basically payday loans with fees amounting to interest rates of 400% or more.

In contrast, traditional personal loans typically cap their interest rates at 36%, with some lenders offering rates as low as 4% or 5% to creditworthy borrowers. While you may be attracted to the fast funding and flexibility of a no credit check Christmas loan, we don’t recommend it due to the high borrowing costs.

How to get a Christmas loan

If you are interested in borrowing a Christmas loan, follow these steps:

  1. Check your credit. Before you take out a loan, it helps to know your credit score and what’s on your credit report. The stronger your credit, the better the rate you will likely get on a loan. You can check your credit score for free through various credit monitoring services and pull your credit reports through AnnualCreditReport.com
  2. Compare the prices. Compare several options before choosing a lender to find the best rates and conditions. You can usually find Christmas loans from online lenders and credit unions. If you want to borrow from a credit union, remember that you will need to become a member if you are approved and want to take the loan.
  3. Estimate your borrowing costs. Before borrowing, use Forbes Advisor’s Personal Loan Calculator to determine your loan costs. As mentioned, some Christmas loans are simply payday loans with exorbitant interest charges. Check if borrowing costs are acceptable before taking out a loan.
  4. Check your budget. Christmas loans are usually installment loans that you repay with fixed monthly payments. Make sure you can afford the monthly payments before you borrow so you don’t risk overdraft charges on your bank account or late payments on your loan.
  5. Submit your application. If you have found a loan offer you like, you can submit an application. You will need to provide personal information and any documentation required by the lender. The lender may or may not perform a serious credit check, which could temporarily lower your credit score by a few points.
  6. Track payments. If you are approved for the loan, check when your first payment is due. It may be a good idea to set up automatic payments from your bank account (if the lender hasn’t already) so you don’t fall behind; many lenders offer discounts on autopay rates. Make sure you have enough cash in your account to avoid overdraft charges.

How to get a Christmas loan with bad credit

Some online lenders offer bad credit Christmas loans. In fact, some types of Christmas loans do not require any credit checks. As mentioned, however, these no credit check loans are likely to be expensive.

Also, while these loans can offer quick and easy-to-obtain financing in an emergency, they don’t offer a long-term financial solution. According to the Consumer Financial Protection Bureau (CFPB), consumers who take out one unaffordable payday loan often end up taking out another to pay it off, getting stuck in a debt trap.

Advantages and disadvantages of Christmas loans

Before getting a Christmas loan to cover your holiday expenses, consider these pros and cons:

Benefits of Christmas Loans

  • Quick funding: Some Christmas lenders promise financing within one business day.
  • flexible lens: You can use a Christmas loan to cover the cost of gifts, travel or any other holiday expense.
  • Fixed payments and interest rates: Many Christmas loans have fixed rates and monthly payments, so you don’t have to worry about your bills changing over time.

Disadvantages of Christmas Loans

  • Potentially high interest rates: The loan may come with high interest charges, which means that your Christmas expenses will be much higher in the long term than they were at the time of purchase.
  • Could be a payday loan: Some online Christmas loans are simply payday loans with a different label. These loans often come with fees equivalent to annual percentage rates (APR) of 400% or more. Additionally, a lender may ask you to provide your bank account information up front so they can make automatic withdrawals whether or not you have enough money in your account.
  • Could lose warranty: If you opt for a guaranteed Christmas loan and you cannot afford to repay it, you risk losing the asset you have pledged.

Other options for buying Christmas gifts

Because Christmas loans can be expensive, it’s worth exploring other options. Here are some other types of financing to consider:

Buy now, pay later

Buy Now Pay Later (BNPL) programs have become increasingly popular in recent years. As the name suggests, BNPL options allow you to purchase an item immediately and then pay it back in installments over time.

Some BNPL programs offer 0% interest. Often they ask you to pay 25% of the item price upfront, followed by three additional payments every two weeks. Other BNPL options offer longer repayment terms, although they may also charge interest.

You may be able to choose BNPL at checkout or use a BNPL app to fund your purchases. Be sure to read the terms and conditions of the contract before proceeding.

Credit card

Credit cards are another option for covering your Christmas expenses. Keep in mind that credit cards can have high APRs if you don’t pay off your balance in full each month. The average APR is 15.13% in May 2022, according to the Federal Reserve.

However, you may be able to qualify for a new credit card with a 0% APR promotional period that ranges from 12 to 24 months, depending on the card. This means you could avoid interest charges if you pay off your balance before the end of this period.

Keep in mind, however, that the interest charges will come into effect at the end of the promotional period. Be careful not to charge more than you can afford to pay within the specified time frame.

Savings

Perhaps the best way to afford the holiday season is to avoid going into debt altogether. Instead of paying monthly installments on a loan after Christmas, consider setting up automatic transfers from your checking account to a separate holiday savings account in the months leading up to Christmas.

Also, be sure to come up with a realistic spending plan that fits your budget. If you find yourself spending beyond your means, review your budget to remind yourself of what you can afford this year. By setting limits in advance, you may be able to get through the holiday season debt-free for the New Year.

Compare personal loan rates from top lenders

Compare personal loan rates in 2 minutes with Credible.com

Consumers benefited from summer spending ahead of fall price hikes – National

Consumers enjoyed a “last hurrah” of increased summer spending in July before the fall cost-of-living slump forced them to tighten their belts, the Nationwide Building Society said (Peter Byrne/PA )

People spent more money and transacted more last month as they made the most of the warm weather and the start of summer vacation, according to Nationwide’s monthly member spending report.

Consumers spent more on holidays, leisure activities like watching sporting events and shopping for new clothes in July amid a spell of warm UK weather.

Meanwhile, spending on food and drink was up 8% from June as people enjoyed socializing with family and friends in pubs and restaurants, the building society found.

It came after households slashed essential and non-essential items across the board in the previous month, a sign that rising costs had started to hurt people’s budgets.

People have decreased spending on subscriptions, DIY and gardening and dating since last year, reflecting a shift in priorities when it comes to non-essentials, he added.

This suggests that, despite the tough times facing consumers, many seem to be throwing caution to the wind this summer, knowing that it could well be one last hurrah before costs bite this fall.

Mark Nalder, National Construction Company

Additionally, spending to pay off debts such as credit cards and loans was up 13% from July last year and 5% from June. The increase shows that more people have had to resort to spending on credit to get by during the rising cost of living, Nationwide said.

The increase in spending levels also reflects higher prices for the same items compared to last year.

Fuel and electric car charging payments soared 37% year on year and 7% from June amid rising gasoline and diesel prices, while spending on utilities and other both bills and taxes were up one-fifth year-over-year and 8% month-over-month. .

Inflation hit 10.1% in the 12 months to July as rising food and fuel prices pushed the rate to a new 40-year high.

Mark Nalder, payments manager at Nationwide Building Society, said: “Spending levels are higher this year than they were last year. However, perhaps more surprising is the increase in the total number of transactions made by members in July this year compared to the previous 12 months.

“It suggests that, despite the tough times facing consumers, many seem to be throwing caution to the wind this summer, knowing that it could well be one last hurrah before costs bite this fall.

“However, we are seeing continued reductions against this backdrop of increased spending, with notable declines in discretionary spending such as subscriptions, DIY, dating and gardening – all down from July last year. .

“We should have a clearer picture of how we are doing as we head into September.”

Future US amateur venues include Cherry Hills, Hazeltine, Olympic Club, Bandon Dunes

0

The US Golf Association was founded on December 22, 1894, and in 1895 the US Amateur Championship made its debut. It is the oldest USGA championship.

The US Open and the US Women’s Amateur were not far behind.

The distinguished list of US Amateur winners includes Bobby Jones, Phil Mickelson, Jack Nicklaus, Arnold Palmer and Tiger Woods.

In 1930 Jones completed his Grand Slam by winning the US Am at Merion. He has won the title five times. In 1996, Woods became the first to win three in a row.

2023 – Cherry Hills Country Club, Village of Cherry Hills, Colorado

cherry hills

cherry hills

Cherry Hills Country Club in Colorado. (Photo: Doug Pensinger/Getty Images)

The USGA has hosted nine championships at Cherry Hills. The most recent was the 2012 US Amateur. Perhaps the most memorable was the 1960 US Open, won by Arnold Palmer. Fresh off a Masters win, Palmer rallied after seven shots to claim the championship. Jack Nicklaus, a 20-year-old amateur, was second, two behind.

2024 – Hazeltine National Golf Club, Chaska, Minnesota

Hazeltine National Golf Club

Hazeltine National Golf Club

Hazeltine National Golf Club, Chaska, Minnesota. Photo by USA TODAY Sports

Hazeltine has hosted eight USGA championships, but none since the 2006 US Amateur.

2025 – The Olympic Club, San Francisco

Olympic club

Olympic club

San Francisco Olympic Club. (Photo: Golfweek)

The Olympic Club has hosted 10 USGA Championships, the last being the 2015 US Amateur Four-Ball.

2026 – Merion Golf Club, Ardmore, Pennsylvania

Golf of Merion

Golf of Merion

The 9th hole seen on the course is Merion Golf Club in Ardmore, Pennsylvania. (Photo: USGA/Fred Vuich)

It will be 13 years since the USGA returned a championship to Merion, as Justin Rose in 2013 at the US Open was the last to win there.

2027 – Oak Hill Country Club, Pittsford, New York

Oak Hill Country Club

Oak Hill Country Club

The 6th hole, nicknamed Double Trouble, at Oak Hill Country Club in Pittsford, New York. (Photo courtesy of Oak Hill Country Club)

2028 – TBD

2029 – Inverness Club, Toledo, Ohio

Inverness Club

Inverness Club

Inverness Club

2030 – Atlanta Athletic Club, Johns Creek, Georgia

Atlanta Athletic Club

Atlanta Athletic Club

The Atlanta Athletic Club’s 11th green. (Photo: Adam Hagy-USA TODAY Sports)

2031 – The Specialty Course, Ooltewah, Tennessee

The specialized course

The specialized course

No. 11 at the specialty course in Ooltewah, Tennessee.

2032 – Bandon Dunes Golf Resort, Bandon, Oregon

The 5th hole at Bandon Dunes Golf Resort (Bandon Dunes) in Bandon, Oregon. (Photo: USGA/Kirk H. Owens)

1

1

The story originally appeared on GolfWeek

How the police investigations to find missing nurse Owami Davies went

Police are continuing their search for 24-year-old nursing student Owami Davies, who disappeared six weeks ago.

Since his disappearance on July 4, detectives have transferred the investigation from Essex Police to Scotland Yard, arresting five people and making multiple appeals for information.

Ms Davies has still not been found.

Here is a timeline of how the investigation unfolded:

– 4th July: Ms Davies leaves her family home in Grays, Essex, telling her mum she is going to the gym.

Owami Davies (Family Document/PA)

– July 6: Her family officially reports her as missing to Essex Police.

Separately, the Metropolitan Police are being called to an address on Clarendon Road, Croydon, over concerns over a woman’s welfare.

Officers introduce themselves, call the London Ambulance Service and speak to the woman.

She tells them she doesn’t want help and leaves the address before the ambulance service can show up.

Ms Davies had not been marked as missing in the police database at the time and the Met only later established that the woman was 24 years old following its investigation into the missing person.

– July 7: Ms Davies was last seen just after midnight on Derby Road, West Croydon, south London.

– 11 July : Essex Police make an investigative decision to issue a proactive appeal to the media.

– July 16: The force issues a second appeal which it then shares on Facebook three days later.

– July 23: The investigation is officially being transferred from Essex Police to the Metropolitan Police after it became clear that a significant number of inquiries to locate Ms Davies have taken place in London.

– July 31 : Met Police are making their first appeal for information on his whereabouts – now three weeks after his disappearance.

– August 1: The force are arresting two men, aged 23 and 27, in the Croydon area on suspicion of murder in connection with the investigation.

– August 2nd : A third man, 32, is arrested on suspicion of murder at an address in South Croydon.

CCTV image of Owami Davies walking north on London Road, Croydon, away from West Croydon on July 7 (Metropolitan Police/PA)
CCTV image of Owami Davies walking north on London Road, Croydon, away from West Croydon on July 7 (Metropolitan Police/PA)

– August 3: Ms Davies’ mother, Nicol Davies, appeals to the public, saying: “I beg, I ask for the help of the public, of the people, to say if you know, if you have heard or seen her, or if she crossed paths with you, please talk about it.

Speaking at New Scotland Yard, she told the PA news agency that her daughter was ‘really happy’, that she had about two months left of study and had recently secured a job at Guy’s and St Thomas’.

On the same day, a 22-year-old man was arrested at an address in Croydon on suspicion of murder.

– 5 August : The Independent Office for Police Conduct receives a recommendation from the Metropolitan Police Service regarding contact officers had with Owami Davies in Croydon on July 6.

– August 6: Police make a fifth arrest as they detain a 27-year-old man suspected of kidnapping.

– August 9: Met Police release an update on the investigation, saying officers searched homes and parks, viewed hundreds of hours of CCTV and conducted extensive door-to-door inquiries.

The force also reveals that the five men arrested during the investigation have been released on bail.

– August 16: Scotland Yard is issuing a fresh appeal saying Ms Davies may be ‘in the area and in need of assistance’.

– August 18: British Transport Police (BTP) tweet that the 24-year-old could still take trains regularly, appear dazed or confused and may seek to engage with women traveling alone.

The Metropolitan Police said in a statement: “Owami has been depressed and, in the absence of her medication, may use alcohol to relieve her depression.”

– 20 August : Met Police confirm to the media that their officers made contact with Ms Davies at the address in Clarendon Road, Croydon on July 6.

The IOPC Fund also confirms that it has received a referral on the matter, assesses the material and examines whether further action is necessary.

Brian Graham doubles as Caley Thistle loses their first game of the season in a 4-1 loss at Partick Thistle

Caley Thistle slid to their first defeat of the season as Partick Thistle surged to the top of the Championship with an emotional 4-1 win at Firhill.

ICT would have risen to the top had they secured a win or even a draw in Glasgow ahead of the weekend’s other games.

However, it was the hosts who took a chance, taking advantage of soft play when it mattered most and they are now a point ahead of Dundee, who travel to Morton on Saturday.

Inverness are now fourth, two points behind their evening rivals, and level with Ayr United, who travel to Cove this weekend.

A brace from Brian Graham in the first half put Partick in charge and a penalty from Kevin Holt and a diving header from Anton Dowds floored Caley Jags.

George Oakley’s belated consolation was just that.

The well-matched rivals met a total of six times last season, their four regular fixtures ending in one win each and two draws.

Brian Graham of Partick Thistle opens the scoring against Inverness.

ICT, who finished one place higher in the Championship than fourth-placed Partick, beat Glasgow Jags in the quarter-final of the promotion play-offs before, ultimately, losing the final to St Johnstone.

Inverness were on top when they arrived at Maryhill, their 4-1 win over Cove Rangers last week being their first league win amid an unbeaten start to the season.

Draws against Queen’s Park and Arbroath, combined with their victory over Cove, offered them the chance to finish this week at the top of the pack before the rest of the teams play on Saturday.

Partick was looking to fight back after losing 3-2 to newcomers Queen’s Park.

Partick Thistle’s Kevin Holt is keeping tabs on Caley Thistle striker Billy Mckay.

Home manager Ian McCall has made three changes from last week, with Scott Tiffoney, Stuart Bannigan and loanee Kilmarnock defender Lee Hodson starting.

Caley Jags head coach Billy Dodds has several players ruled out through injury but has been bolstered by David Carson and Wallace Duffy named as replacements, with the starting 11 like you.

Glasgow’s men roared in an early attack and should have been ahead within a minute, but Cole McKinnon pushed a close-range shot wide of the right post after a run and cut from Tiffoney.

Inverness responded when Scott Allardice fired a shot from outside the box that was simply too high to test keeper David Mitchell.

However, former Ross County leader Graham fired Thistle in the 20th minute when loose play from the midfield allowed an attack and, from McKinnon’s pass inside, he got it. calmly passed Mark Ridgers into the net.

Caley Thistle needed a reaction and it almost paid off in a 32nd-minute move where Aaron Doran lined up Billy Mckay for a shot, but Mitchell returned it for a corner, which was then dealt.

Caley Jags defender Zak Delaney beats Partick Thistle’s Stuart Bannigan to the ball.

However, the task became much more difficult a few minutes later when Thistle went 2-0 ahead, following an error.

Robbie Deas attempted to return the ball to the Ridgers, but it was put on a plate for Tiffoney, who beat the keeper to the ball and Graham ran to finish.

Dodds launched Carson and George Oakley into action early in the second half as they replaced Lewis Hyde and Doran.

A misjudged header from Carson allowed Graham to score the goal again, but his lob didn’t have enough to beat Ridgers for the third time.

However, Partick put the game to bed just before the hour mark when Carson was judged for bringing down Graham in the box and a penalty was awarded.

After the arguments from Inverness, Graham moved wide and Holt kicked the kick into the net.

With six minutes to go, the final goal came when the Dowds sub smashed the header off a delivery from Milne to inflict the final damage.

There was just enough time in the final moments for Oakley to fire home a header from Cammy Harper’s corner for consolation.

Inverness will be aiming to fight back next weekend when Dougie Imrie’s Morton comes calling, while Partick host Raith Rovers.

PARTICK THISTLE (4-2-3-1) – Mitchell 6, McMillan 6, Milne 6, Holt 6, Tiffoney 6 (Fitzpatrick 74), Bannigan 6, Graham 7 (Dowds 69), Lawless 6 (Weston 81), McKinnon 6 , Hodson 6 (Turner 46), Docherty 6 (Brownlie 46). Unused submarines – Sneddon (GK), Akinola, Mullen, Lyon.

CALEY THISTLE (4-4-2) – Ridgers 6, Harper 6, Deas 6, Billy Mckay 6, Doran 5 (Oakley 46), MacGregor 5 (Shaw 69), Hyde 5 (Carson 46), Daniel Mackay 6 (Boyd 69 ), Allardice 6, Delaney 6, Samuels 6. Unused Subs – Cammy Mackay (GK), Duffy.

Referee – Grant Irvine.

Turnout – 2632.

Man of the match – Brian Graham.

Already subscribed? Login

[Brian Graham doubles up as Caley Thistle lose first game of season in 4-1 defeat at Partick Thistle]

[[text]]



United in the face of the cost of living crisis as Inverness and Nairn SNP MP Drew Hendry hosted a roundtable where he met with representatives from organisations, Highland councilors and townspeople

Drew Hendry (front row, third from left) hosted a panel discussion in Inverness.

Organization representatives, Highland councilors and townspeople met with the MP for Inverness and Nairn SNP to discuss the cost of living crisis.

Drew Hendry organized a roundtable due to the rising costs, especially energy, that families are facing.

They aimed to find out what can be done locally to try to help people.

Organizations present at the meeting included housing associations and the Citizens Advice Bureau.

The latest research from the University of York shows that more than 50% of households will be in energy poverty by the start of 2023, which means that more than 10% of household income will be spent on energy costs.

Speaking after the meeting, Mr Hendry said: “It was great to bring all these organizations and partners together in person to learn about the harsh reality of the situation many are facing with rising energy bills and the cost of living crisis.

“Courrier readers may recall that I conducted an energy survey in June to get your thoughts on the issues you are facing right now and your concerns for the future. I would like to thank everyone who filled out this form – I received hundreds of responses.

“This survey, among other constituent concerns, has set the agenda for this roundtable and the gathering of concerned partners seeking to find ways to alleviate the extraordinary pressures and unprecedented costs that individuals and families are facing. are already faced with the situation expected to worsen this winter. .

“Unsurprisingly, we are all on the same page and facing the same issues. By continuing to work together, we can make progress in ensuring that we do all we can to ensure the local and Highland case is presented at every turn and at every level of government.


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

Short-term car and you will use today on the Internet

Short-term car and you will use today on the Internet

Fast automobile and cash advance mode in california so now you create like websites earnings, details and additionally all gurus choices.

Earnings, testimonials, in addition to being prepared due to the class that asks for a prevention vehicle and you may have payday loans.

This company is actually at a team of economic funds, it is definitely an expert and you can equip that is certainly sincere give good equipment to teams where someone does. a main set with rigorous distance so you can access other enduring metropolitan features and you can brush pure attraction features and this city of Modesto, California. Eventually exhibit 68 miles from the monetary section of Sacramento, California, California, California in Northern California, several owners find Modesto already effective. temporary urban items loans reason enough for no problem having money on your situation! And finally said above, creditors book Modesto vehicle titles up to range for a certain time (constant thirty day commitment) and debtors can offer automobile membership delivering effective lien.

Fast car payday loan has the funds and therefore accelerated the latest are looking! Salaries Financial Loans inside Ca. You get a financial loan from the bank with the Modesto, Ca just after about an hour. Salaries are improving in all core financial functions (1-30 things) mostly set up quickly. It is also about instructions and getting the latest payment cards, overdrafts and finances. it’s seriously Lombard. Tackle: 2701 Firestone Blvd Ste F, Southern Admission, California, 90280. A romantic body transfer prevents mid channels. Short term loan options. 3071 Firestone Blvd. Tips, pointers and you can get details on finance money, getting color device and directory for simple vehicles. economic, label loan products, vehicle pledge financial support, make sure. Your options that can be branded And this pawn clue is actually often: everything.

Read this pin on the spend date advances on Tsung Dopure. Improving Weight Signature Loans Quick Funding Timely Expenses Increase Zero Credit Rating Income By Taking Same Currency Funding Opportunity Most Easily Helpful Lending Companies. And that, if you like dollars easily, a handy payday loan, otherwise the car title money just has to become excellent for immediate, i.e., short-term contacts. Re-financial support the new financial support instead of handing over your debt when setting up Ceres cash fast. 2913 Eastern Whitmore Chance, Ceres Ca 95307 Telephone number: (209) 531-1616. You will find 2 one-time adjustment income habits ranked over time or later in the process and number of contacts. Go straight to factual statements on methods, money, best work environments, and you’ll be written by category personal loans with car title duties promoter (before a body) away from Sacramento, Calif., Ca, Calif. on . Doing where the authorities actually it is never common.

Find out about Shell Prompt outdated advancements otherwise book money on the web performing ontario to help you get fast online acceptance solid on the internet whenever you have money this short, we often believe. They are not paid same day, they are credible providers maybe not, much more promotion of extremely less expensive implications that can help for quick vehicle payday loan. Our own particular absolutely basic online currency in this half hour. Subscribing to standards is not a process! The simple automobile and ents move away the urban area of ​​Hemet from the mention Ca. Towards the means Ca 74 and you will have the regularity of the street needless to say 41815. To discuss otherwise question. Website. Headquarters Marianna, Florida (USA). The non-public option would be that it is a top provider out of loan products, likes someone for whom this is exactly a small job. We are an expert and honest class providing seller on their feeds.

The change in terms of earnings evolution and loan product relief?

watch this video knowing. All discussions and you can have facts having credited canada and other organization providing private services and appearance which have excellent legitimate professional immediately followed by s less. From within Modesto along with other cities and towns and you can find places away from standing Ca, short-term money is quite the best and probably maybe not doomed to restrictions. And also, you will be able to thanks to the consumer address fee service which makes sure that your safeguards during legislation are now actually secure. Get advice, analysis and you can get results for a fast car. Modesto, California vehicle payday money is a fantastic history of monetary attributes while you are curious. The individual is really types of fun. These people usually use whatever you can use to take advantage of the money and get yourself.

Mr. Gains promotes paycheck advances and home loans to Canadians online. Returns allowed not even half an hour or more. Mobile phone if you don’t use online. Hoping to get that credit by having Mr. Income is easy and you can speed it up. Complete the base system that is backed up. Become approved. Get suggestions, if not sign up for one of the services that Brief Car Payday Financing provides in your Modesto, CA: cash advance, construction financing, and more. try an ad that is a member, maybe not a lender. The goal is largely to provide support, benchmarking, and connecting a large team. Evaluate and you can perform article developments, implying that it is a large web page. Several useful gift ideas to deal with this site extremely. Observe the internet sites you connect to, you need to combine your website. Changes the brand new identity (along with the emphasis on the link, is one of the companies) connected to the page. Mind-put wiki now offers with this specific web page web pages as a change alternative. View/place parents and you can view pop music website webpage (useful and work on breadcrumbs.

Effortless wheel payday advances need their expenses to let you know you’re going to score effortlessly inside the Ca in websites. Wake up to $255 playing with a payday loan! DISCLOSURE: This is an excellent solicitation for a payment date loan. This might not be a guaranteed offer and requires currency and you will have a specialized application and you will have the ability to recognize profiles.

Defender Lewis Hyde says there is a spark of magic at Inverness Caley Thistle

DEFENDER Lewis Hyde says there is a spark of magic at Inverness Caledonian Thistle that can help them win promotion to the Premiership this season.

Caley Thistle beat Cove Rangers 4-1 last week. Photo: Ken MacPherson

Inverness secured their first league victory this season with a 4-1 hammering of Cove Rangers at Caledonian Stadium last weekend.

The win lifted Inverness into second place in the Championship, one point behind leaders Dundee, who remain unbeaten this season.

Last season, Inverness missed out on promotion to the Premiership when they lost to St Johnstone in the play-off final.

Hyde says there is a spark that has been ignited in the dressing room which is determined to win promotion to the Premiership next season.

He said: “100% this is where we deserve to be, there is a spark of magic at this club. We had a little taste of it at the end of the season where there was a bit of magic at the club and everyone was together.

“Last season we thought we could have gone all the way and won the league.

“This season there is a good group of guys and we are determined to make it happen.”

Hyde broke into Caley Thistle’s first team last season playing in a number of games and started against Cove Rangers on Saturday at right-back.

Hyde, who was also on loan at Rothes last season, says he is relishing the chance to show what he can do in the first team.

“I love it and will play anywhere for the team. I love playing, if the gaffer wants me to play back I’m more than happy to do so.

“I have to bide my time, I have to prove my point and kick things off.

“It depends on me.

“I have to try my luck, keep it simple and work hard.”

Speaking about the start of the season, he said: “The first two games were disappointing, we needed a win to start the season and it’s a good performance to carry on for the rest of the season.”


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

Keeping Nairnshire Colorful (KNC) brings a patch of blooming wildflowers around the statue of Dr John Grigor near Viewfield House

KNC members are hard at work preparing for the seeding of grassland blowers at Grigor’s statue in the spring.

A VOLUNTEER organization that planted Nairn’s flower arrangements has once again been busy improving an area one of the town’s most iconic features.

The statue of Dr John Grigor towers over Viewfield House near the town center to commemorate the former ship’s surgeon’s contribution to the development of Nairn in the 19th century as a health resort.

Originally located at the junction of Leopold Street and High Street, Grigor’s statue was moved to Viewfield, home to the Nairn Musuem, as city center traffic increased with cars becoming a common mode of transport .

Keeping Nairnshire Colorful (KNC) has been responsible for planting many open spaces and flower beds over the years.

The small group of volunteers decided it was time to replace most of the seasonal litter with perennials. So members and volunteers helped with the new planting in the KNC town beds in the spring.

Chairman Annie Stewart said: “In the year of the Queen’s Platinum Jubilee, KNC has also decided to create a new prairie-style bed at Viewfield.

“We had been looking for a suitable site for a while to try out a meadow bed and KNC member Tracey Botting came up with the idea of ​​using the lawn around the statue of Dr Grigor in front of the museum.”

Annie took the plan forward with the Museum and the Highland Council.

“They all agreed that it would make a nice addition to the approach to the Museum.

The prairie-style flower bed in full bloom in front of the statue of Grigor.
The prairie-style flower bed in full bloom in front of the statue of Grigor.

“In the spring, we contacted Sleigh Landscapes for help removing the sod and a group of KNC volunteers dug and prepared the bed to sow a mixture of annual seeds. Over the next month, spring bulbs perennials have been added.

“The Nairn St Ninian Bowling Club, whose green is next to Viewfield House, noticed the work on the new bed and their members offered to help. They gave KNC curbstones and gravel, and the access to their outdoor tap.

“Growth was slow at first as Nairn suffered from a cold spring, but in the last month, with some warmth, the new bed has become a riot of color, admired by all who pass by.”
Annie added, “KNC members and volunteers continue to keep it clean and water it regularly and hope to reseed it for another show next year.

Anyone interested in getting involved with KNC can find more information on their website: www.spanglefish.com/keepingnairnshirecolourful


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

Memories of Kessock Bridge and the impact of vacation rentals

Kessock Bridge.Photo Gary Anthony..

Readers share their thoughts on a series of questions. Tell us what you think.

Bridge is now 40 years old

The 40th anniversary of the opening of the Kessock Bridge brought back memories for many.

“My partner Theo Ratcliffe was one of the first people to cross the bridge before he was born on August 3, 1982 as he was traveling by ambulance to his mother, Annie Ratcliffe, to give birth to him. This was before the official opening of the bridge. Louise Willingale, Cromarty

Disagreement over funds

A windfall of green energy has caused difficulty for the community Stratherrick and Foyers as disagreement has arisen over what to do with benefit funds stemming from wind and hydroelectric developments in the region.

“The old bridge is not a road but has a history, fix it to use as a footpath. The land in question should be left as it is, let nature take its course. We and many other locals would really like to be able to launch our boat and store it on site, when will this project be complete? Old dilapidated buildings are an eyesore, please use the money to spruce up the area!!!!” – Elsbeth, Whitebridge

Tackling short-term rentals

Urgent action is needed to address the growing number of short term property rentals in the Highlandsaccording to MSP Emma Roddick.

“Stopping second homes and houses bought for short-term rentals (vacation chalets for you and me) is a path fraught with uncertainty. What is needed is a comprehensive social housing program. Building good quality housing for rent will solve this problem fairly quickly and control who lives there. – Andrew Mackintosh

Tax cuts are not the solution

Like WWI, a global conflict pushes prices up and the best that can be said is that at least we’re not facing 25% inflation like we did in that war, so that during World War II, inflation reached a “paltry” 17 percent.

For those in favor of tax cuts, recent history indicates that this could be the worst thing to do.

Just look at Anthony Barber, Chancellor of Edward Heath, who faced the same specter of stagflation as we do today.

High inflation was failing to spur economic growth, and Barber launched an economic policy not unlike the one we see being debated by Conservative leadership candidates today.

Aiming for 10% economic growth over two years, in a so-called “race for growth”, Barber cut income taxes, revised other levies and liberalized the banking system.

Government borrowing exploded, then the bubble burst as the value of the pound fell and inflation soared, before the Yom Kippur War triggered the 1973 oil crisis and soaring oil prices.

While in other countries inflation fell, in the UK it reached World War I levels, accompanied by two recessions.

Before the next Prime Minister seeks to loosen the purse strings, the tales of Tory chancellors’ pasts should serve as a clear wake-up call.

Alex Orr

Edinburgh

Stricter laws for electric scooters

Transportation Secretary Grant Shapps is proposing a new dangerous bicycle death law.

This is welcome but needs to add e-scooters as sadly e-scooters will soon be legal on UK roads.

Cyclists and e-scooter riders must have ID, Hi-Vis jacket, helmet and insurance and, dare I say it, pay to use the roads.

Right now they can injure pedestrians, but walk away and there is very little chance that the police will stop them.

Fleeing the scene of an accident should carry the threat of a prison sentence.

The offense of riding on the roadway requires significant financial penalties imposed to deter reckless cyclists.

This will force the police to apprehend cyclists and e-scooter riders, which they currently seem reluctant to do.

clark cross

Springfield Road

Linlithgow

Body image help for kids

For many children and young people, body image is a big concern.

Going through physical body changes and developments is hard enough, but with outside influences such as social media, young people can feel even more pressure to look a certain way to fit in.

Every summer we are faced with advertisements asking if we are “beach body ready”.

At Childline, we have seen how these advertisements, messages and perceptions can affect the way young people see themselves.

Between April 2021 and March 2022, Childline delivered 5,085 counseling sessions on the topic of tackling diet and body image in Scotland and the rest of the UK – a 6% increase from 4,787 in 2019/20.

We believe that one of the reasons children and young people feel depressed about their appearance is the increasing amount of time they spend on social media, especially since the pandemic.

Some young people in Scotland have told Childline trained counselors that they feel unsafe and self-conscious about their weight after seeing images of other people on social media platforms.

At Childline we would like to remind all children that the counselors on the service are there to support them and that they do not have to cope alone.

They can contact our advisers on 0800 1111 or online at www.childline.org.uk, where they can visit the ‘my body’ advice page and also talk to other young people who might be feeling the same via forums moderated discussions.

Paul Johnson

Head of the Childline team

Letters should be emailed to [email protected] Please include your address and a daytime phone number. You can also tweet us @InvCourier or comment on Facebook @invernesscourier


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

Former Middlesbrough, Accrington and Portsmouth full-back Callum Johnson reveals research into potential Scottish Premiership opponents as Connor Randall’s injury offers opportunity to make his mark in Ross County side

Ross County right-back Callum Johnson has spent hours off the pitch learning about the Scottish Premiership.

A summer arrival at Dingwall is Johnson’s first time north of the border having plied his trade in the English League Two with Accrington Stanley and then one level higher with Accrington, Portsmouth and Fleetwood Town.

Callum Johnson has spent hours off the court researching his new league. Photo: Ken MacPherson

There’s always an adjustment period for new signings, even more so when they move to a whole new league, but the Middlesbrough freshman says he’s been keeping tabs on other games for potential opponents that he will come. versus.

“I must have played around 200 games in Ligue 1 and I know all the wingers, whether they are left-handed or right-handed, whether they follow me when I run forward, whether they are good in the air”, Johnson said.

“I probably know pretty much every player in Ligue 1. Here I spoke to Enda Barron, the club’s analyst, and got to know the players.

“There are some that I recognize from having played in England, like the Hearts and Aberdeen players, but it’s a new challenge for me to meet new players. There are a lot of good players in this league, as we saw against Celtic on Saturday.

“I was in Ligue 1 for four and a half seasons, so unless clubs had a new player, maybe on loan from a Premier League club for example, I knew the players in the league.

“I would always watch analysis clips, but with Enda here at Ross County, we can watch left wingers and left backs bombing and he’ll tell me about their strengths and weaknesses.

“We’ll be playing these teams three or four times this season so I’ll get to know them soon. Even in the first half against Celtic I was watching, I was watching their wingers and that means the next time we play Celtic , you can incorporate what you learned from watching into this game.

“It’s extremely important, especially for me who left England.”

Ability to step up

Although Johnson has already made four appearances for the Staggies across the Premier Sports Cup and Premiership, he has yet to step onto the pitch for over an hour.

With Connor Randall’s injury against Celtic last weekend likely to sideline him until the end of the year, the 25-year-old will likely get his chance to establish himself in the squad.

Connor Randall's fractured leg bone could create opportunities for Johnson.  Photo: Ken MacPherson
Connor Randall’s fractured leg bone could create opportunities for Johnson. Photo: Ken MacPherson

It often happens that a setback for one player results in an opportunity for another, and while Johnson hardly wanted his teammate to get hurt, he fully intends to make his mark in the meantime.

“It’s never nice to see someone hurt, it’s just part of the game,” Johnson added.

“There is competition for every position. Each team in the country will have more than one player for each position.

“It’s good for the team, especially when you push each other. I’ve always had competition, but I’ve managed to play a lot of games in my career.

“You have to fight and work as hard as you can and that brings out the best in you – so when an opportunity arises you just have to take it.

“Good competition within the team as a whole can only bode well for this season. Everyone will push themselves to the limit to make sure they are the ones playing.

“Connor and I get on well, I knew him when I was younger and I was at Middlesbrough and he helped me settle in.

“We both want to play in the team and it’s a shame he’s injured. I hope he comes back soon and we can push each other. Whoever is the better player will play – that’s how football is


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

A fine dining experience at the Kingsmills Hotel, Inverness for Executive Magazine’s business lunch

…Photo: Callum Mackay..

From accommodating guests in elegantly decorated bedrooms, to fine dining experiences and providing corporate and event space, the Kingsmills Hotel in Inverness enjoys an excellent reputation around the world.

Executive Magazine had the chance to experience the excellence of service that the Kingsmills team prides itself on, enjoying an artisan menu in a private dining room for this month’s business lunch.

On arrival at the hotel, we were warmly welcomed by our afternoon host, Kingsmills Operations Manager Craig Ewan, alongside the hotel’s General Manager, Tony Story.

Craig and his team were quick to provide us with liquid refreshment to quench our thirst on the hot summer day, while our other guests, Sandy Grant, General Manager of Tulloch Homes, and John Smart, Partner at Wright , Johnston & Mackenzie followed us quickly. .

Criag Ewan Kingsmills Hotel Group Director.  Photo: Callum Mackay.
Criag Ewan Kingsmills Hotel Group Director. Photo: Callum Mackay.

We were all seated at a beautifully decorated table, in what I can only describe as a regal room, and introduced to restaurant supervisor Kelly who looked after us for the afternoon.

Having worked at Kingsmills for four years, Kelly provided exemplary service with a smile on her face as she looked after our every need throughout lunch.

...Photo: Callum Mackay..