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The Montreal Circus Festival shines the spotlight on Quebec artists in an edition adapted to the pandemic

After being canceled in the summer of 2020, the 12th edition of the Montreal circus festival, Montreal Completely Cirque, is back and puts Quebec artists in the spotlight.

Montreal businesses as well as those in Quebec and elsewhere have passed pandemic containment to hone their skills and invent new routines.

For many artists, the festival represents the first time they have been able to perform in front of a live audience in months.

“All the different performances that you will see, a lot of them were done this year during the pandemic in residence at TOHU. And now it’s the first time that all of these amazing little performances will be performed for the public, ”said Ruth Juliet Wikler, deputy director of the festival’s programming. La TOHU is a performing arts theater in Montreal.

“TOHU has opened up all its possible spaces. We worked with the National Circus School, we worked with Cirque du Soleil in their studios to create spaces for artists to create new works, even when they couldn’t share them with the public.

The festival takes place from July 8 to 18 and shows take place at the TOHU in Saint-Michel and in downtown Montreal. (Photo by Benoit Z. Leroux)

Wikler said the festival, which runs July 8-18, features indoor and outdoor shows, as well as free performances on St-Denis Street and touring artists who will visit various areas of the city.

She specifies that this year, the festival has arranged the space of its main performance hall, TOHU, located on rue Jarry in Saint-Michel.

“We pitched a big tent, we even set up picnic areas under the trees here, she told CBC’s Let’s Go. “It really is a circus village.”

Wikler has indicated that the companies Throw 2 Catch and Marguerite à bicyclette will be on tour and that there will be pop-up performances each evening of the festival at TOHU and at the location of St-Denis Street between Ontario and Ontario streets. de Maisonneuve.

The festival schedule includes a number of secret venues, site-specific outdoor performances, as well as a cabaret show in downtown Montreal at St. Jax’s Anglican Cathedral.

Another show, Cabaret Yam !, comes from a circus company Kalabanté Productions based in Saint-Michel. The show features music, dance and acrobatics inspired by West African rhythms.

Wikler says after months of uncertainty and canceled events, performers are eager to return in front of a crowd.

“They really live and breathe the performance. The audience gives the artists so much energy, she said.

“Particularly for the circus, where they work so hard to master these incredibly difficult skills and they really want to put them in front of you and feel your appreciation. And that beautiful exchange can only really happen when we’re able to physically come together.”

FLIP Fabrique de Québec is delighted to be back in front of a live crowd. (STÉPHANE BOURGEOIS)

Bruno Gagnon, artistic director of FLIP Fabrique de Quebec, told CBC’s All in a Weekend that his team are excited to bring their Six Degrees show to the festival, after touring Quebec last year. .

“This is the first real show in six months,” he said. “It’s been a while, so yeah, they’re very excited.”

He said the show had to be adapted to meet COVID-19 rules, but the artists involved chose to view it as positive.

“Once we have a challenge, it becomes an opportunity.”

He said all the hard work was worth it to put the audience back on a smile after a particularly difficult year.

“Having to touch and be close and feel a whole audience laughing… the infectious energy when you see a live entertainment show is something that we really look forward to.”

LISTEN | The Director of FLIP Fabrique is looking forward to this year’s performances:

All in one weekend9:16FLIP Fabrique Circus Company Shakes Rust To Achieve Incredible Feats Again

We talk to the general and artistic director Bruno Gagnon of the Flip Fabrique de Quebec circus company. They are in Montreal for the Montreal Completement Cirque festival. Bruno tells us about some of the nervousness artists have after an extended hiatus during the pandemic lockdown. 9:16

Live jazz reappears in Quebec Festival Jazz Anjuin

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Seeing bassist Karl Mayyacht perform at the Imperial Bell Theater in Quebec on Sunday night likely concludes that he’s the happiest man in the room.

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There was no reason to be dissatisfied with the full house at the closing concert of the Festival Québec Jazz Anjuin. The high-energy electric band from Mayotte delivered a series of fusion songs that were as sophisticated as they were punchy.

Mayotte, who dominated and directed the show from the center of the stage, was the visual illustration of a musician who had not performed in front of an audience since the spring of 2020 due to the novel coronavirus pandemic.

He apparently played across the moon and took over from all the musicians who were told to smile more. For Mayotte, adding the rocker’s physical prosperity to his original musical presentation seemed like second nature. It combines the improvised sophistication of jazz with slamming backbeats and sizzling guitar.

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When it was time to announce it, Mayotte was not surprised, but thanked him for the opportunity to replay. There is no doubt that the listeners who embraced his music are as grateful as they cried out in gratitude for the young local hero and his band.

The event, which ran from June 17 to July 4, was able to herald the 2021 edition during the festival season, which most Canadians attended, demonstrating the spread of COVID-19 and the courage festival organizers. It is due to the defeat of Quebec. The Jazz Festival has decided to take back the pass.

After making an explosive debut in 2019 and halting the show during the first COVID-19 summer of last year. The Festival de Québec may have been the first major Canadian jazz festival to host a series of live concerts in 2021. That’s because the country is struggling to spur the worst of the pandemic.

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2020 is essentially Annus horribilis For musicians who have seen most concerts disappear from the abyss of COVID-19, Mayotte received great applause last year when it was selected for Radio Canada’s Revelation Jazz 2020 show.

Mayotte, a graduate of the jazz programs at Laval University and Magill University, enthusiastically waved the flag of the Quebec version of jazz rock fusion, not only the 1970s supergroups Return to Forever and Weather Report, but probably the Lord. To the Quebec phenomenon Uzeb in the 1980s.

His show at the historic theater in the St-Rock district in Quebec City usually brings together 450 people, but during the festival, only 150 jazz fans were seated at the table. It was a smart, grooved, non-stop fusion show. Mayotte and its core quintet are on the Fantosme and Pop de Ville Vol. 1, but outside the studio, not least thanks to the double-drum barrage of Mayotte’s companion Stephen Chamberland and special guest Paul Brochu, a drummer who made fusion glory at Uzeb in the 1980s. sharper blow.

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Mayotte and its musicians are about half the age of Brochu. However, they caught up with the legend of state fusion drama and excelled in the highly detailed music of seemingly internalized Mayotte.

Guitarist Gabriel Cyr was a particularly calm and sizzling soloist. Of course, he never staged mayotte, which received constant attention. He corrected the music with a bouncy jaco-style bassline and inserted pieces of finely crafted melodies, often in harmony with other musicians, for the time of his life.

Karl Mayotte’s Fusion Quintet, accompanied by guest drummer Paul Brochu, performed bigger jazz rock in front of the locals at the Festival Québec Jazz Anjuin 2021. Photo by Daniel Tranbray

The day before, it was singer-songwriter Lucy Roy who won the hearts of the Quebec crowd.

During her concert, Quebec singer and songwriter Lucy Roy put the words of writer Stanley Péan into the music.
During her concert, Quebec singer and songwriter Lucy Roy put the words of writer Stanley Péan into the music. Photo by Daniel Tranbray

Roy was actually back on stage after years of no music production, as well as the breaks caused by COVID. Roy and his band performed a set of original songs from the 2020 album What We Share, a collaboration with Montreal writer and jazz radio personality Stanley Pean, with English lyrics set by Roy. This opportunity was even more special because we provided. For pop music.

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Open-hearted songs such as Don’t Say You Loved Me and I Don’t Scare Easy were the highlights of Roy’s expressive cast and Péan’s confessional lyrics. Most touching were Song For My Daughter, which recognized the plight of women in rape culture, and Some Other Kind of Blue, a tribute to the late American jazz trumpet star Wallace Roney, who died last year in COVID-19.

After Roy’s set, a powerful concert by the Montreal-based CODE Quartet began. It is a collaboration of friends and associates which can be considered as a Canadian jazz orchestra.

The group consists of alto saxophonist Christine Jensen, trumpeter Rex French, bassist Adrian Vedaddy and drummer Jim Doxus.

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The principle of the quartet is simple. The lack of pianos and guitars that jazz groups often use to ensure harmony is a plus, not a minus. Jensen and the French burned the harmonic track without any help, thank you very much, and evenly fly away chords written in the score of their original composition for a spicy and catchy start. Is made. Rhythm’s longtime partners Vedady and Doxas provided organically evolving grooves, turning each piece into a short story in multiple chapters.

Works such as the quintessentially French drunken bluesy, Vedaddy’s urgent but inspiring gaze as he watches everything slip away, and Jensen’s scorching wind-up are full of vivid moods and moments. Made for a concert. O Sacred Head, Now Wounded, showed that 21st century jazz groups can sing captivating new songs from 16th century hymns.

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All of these works were featured on the Genealogy group’s debut record and were familiar to even the most enthusiastic fans. The gig ended with Jensen’s aggressive style, unregistered 2020 blues. Mike’s Doxa said it was a celebration song, not a depressing one. In the recall case, the group brightened up Thelonious Monk’s Let’s Cool One, but greeted it with a measured run.

While speaking to the audience, Doxa has said with enthusiasm on several occasions how grateful he and his bandmates are to perform for the audience again. But without a doubt, the gratitude was a two-way street, and after 15 months of silence it was deeply felt by the festival audience who welcomed live jazz into their lives.

Peter Hum was present at the festival and at Bonjour Québec – Tourisme Québec as a guest during the last week of the Québec Jazz Festival in June.

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    VSI Podcast Season 2: Homer, Film Music, Conscience, Samurai & More

    The Very Short Introductions podcast offers a concise and original introduction to a selection of our VSI titles by the authors themselves. From Homer to film music, from Gothic history to American business history, listen to the second season of the podcast and see where your curiosity takes you!

    Homer

    In this episode, Barbara Graziosi introduces Homer, whose mythological tales of war and homecoming, The Iliad and The Odyssey, are widely regarded as two of the most influential works in the history of Western literature.

    Listen to “Homer” (episode 25) via Apple podcasts, Spotify, or your favorite podcast app.

    Calvanism

    In this episode, Jon Balserak introduces Calvinism, which has influenced all aspects of contemporary thought, from theology to civil government, from economics to the arts, and education to work.

    Listen to “Calvanism” (episode 26) via Apple podcasts, Spotify, or your favorite podcast app.

    Canada

    In this episode, Donald Wright presents Canada, a country of complexity and diversity, which is not one nation but three: English Canada, Quebec and the First Nations.

    Listen to “Canada” (episode 27) via Apple podcasts, Spotify, or your favorite podcast app.

    Movie soundtrack

    Film music: a very short introductionIn this episode, Kathryn Kalinak presents music for film, which started as an accompaniment to moving pictures and is now its own industry, providing a platform to express creative visions and a business vehicle for growing music stars of all kinds. .

    Listen to “Film Music” (episode 28) via Apple podcasts, Spotify, or your favorite podcast app.

    American Immigration

    In this episode, David Gerber presents immigration, one of the most controversial issues in the United States today, which has shaped contemporary American life and fuels a strong and controversial debate.

    Listen to “American Immigration” (episode 29) via Apple podcasts, Spotify, or your favorite podcast app.

    Consciousness

    In this episode, Susan Blackmore presents the latest “great mystery to science”: consciousness and the questions it poses for free will, personal experience, and the connection between our mind and body.

    Listen to “Conscience” (episode 30) via Apple podcasts, Spotify, or your favorite podcast app.

    Samurai

    Samurai: a very short introductionIn this episode, Michael Wert introduces the samurai, whose influence in society and presence at defining moments in Japanese history are often overlooked by modern audiences.

    Listen to “Samurai” (episode 31) via Apple podcasts, Spotify, or your favorite podcast app.

    Gothic

    In this episode, Nick Groom introduces Gothic, an extremely diverse term that has a tremendous influence on culture and society, from church architecture to cult horror films and political theorists to contemporary fashions.

    Listen to “The Gothic” (episode 32) via Apple podcasts, Spotify, or your favorite podcast app.

    Animal kingdom

    In this episode, Peter Holland introduces the animal kingdom and explains how our understanding of the animal world has been dramatically improved by DNA analysis and the study of evolution and development in recent years.

    Listen to “The Animal Kingdom” (episode 33) via Apple podcasts, Spotify, or your favorite podcast app.

    American business history

    American Business History: A Very Short IntroductionIn this episode, Walter A. Friedman presents the history of American business and its development since the turn of the 20th century, when the United States was first described as a “business civilization.”

    Listen to “American business history” (episode 34) via Apple podcasts, Spotify, or your favorite podcast app.

    Subscribe to The Very Short Introductions podcast and never miss an episode!

    Find out what’s going on and write it down on the calendar


    Main street music, concerts in the public square, Thursday and Friday, 6 p.m. to 8 p.m. Thursday, Rhea Freman and Friday, Standard Jazz Band. The musicians will be installed in the pavilion of the historic public square. Visit Mainstreetwooster.org for more information.

    Second Saturday in downtown Wooster, Saturday Bring a Pet: Musical Magic of Ohio Light Opera, 1 p.m .; Wayne Center for the Arts ballet performances, 1 p.m. Farmers’ market, 8 am-12pm; craft market, 10 am-2pm; Grigio Wine & Cocktail Bar, free cartoonist drawing, 1pm to 3pm; PAWS Crawl for the benefit of Wayne County Dog Shelter, 4 to 9 p.m. For more information on Second saturday, call the Main Street Wooster office at 330-262-6222 or email [email protected]

    Wooster Farmer’s Market, open Saturdays from 8 a.m. to 12 p.m., Wooster town center. The market will be held every Saturday throughout the season. For more information, call 330-262-6222 or email [email protected]

    Wildflower Wednesdays, 11 a.m. on July 21; The center of nature, 9877 Alabama Ave. SW, Wilmot; walk the trails and learn more about flowers; free for members, $ 5 for non-members. For more information, call 330-359-5235.

    Line County Historical Museum Open House, second Saturday of each month (Saturday July 10), noon to 3 p.m., 281 N. Market St., Shreve. Handicapped parking at the back of the museum, entering the lane of East Robinson Street. Adults $ 2; children 12 and under, free. For more information call 330-464-4382 or email [email protected]

    Visit of the gardens of the Medina County Historical Society, 10 am-4pm, Saturday; 12 gardens, rain or shine, self-guided. The tour guide card will be distributed July 10 at the John Smart House, 206 N. Elmwood St., Medina; $ 12 in advance on www.Mainstreetmedina.com (children 12 and under are free and must be accompanied by an adult); $ 15 the day of the event, in person only, at John Smart House; 330-722-1341 or email [email protected]

    Tours of the historic Spring Hill Home and Underground Railroad site, 1 p.m. to 4 p.m. Saturday 1401 Spring Hill Lane NE, Massillon; 330-833-6749, [email protected]

    Jazz under the stars, Saturday, Medina’s Uptown Park with NEO Dixie; Sunday July 11, 2 p.m., Concert in the Country, HeARTland, 8187 Camp Road, Homerville, Lempner, featuring saxophone and keyboardist Eli Manos. Take garden chairs. For more information, visit www.ormaco.org or call 419-853-6016.

    Wayne County Historical Society Community Orchestra Summer Concert, 7 p.m. Thursday July 15, downtown Wooster. Take a chair. If it rains, the concert will be held at St. Mary’s Gymnasium on Beall Avenue. For more information, call 330-262-6222 or email [email protected]

    East Holmes Fire Festival, 4 p.m. Saturday July 17, Berlin primary school. Barrel shooting competition between firefighters, grilled chicken, music, fireworks.

    CRUISIN ‘in the’ City, 10 am to 1 pm Saturday, July 17, Smithville United Methodist Church, 243 N. Milton St. Donations will be accepted at registration and the first 20 vehicles registered will receive a plaque. Awards will be given to the Single People’s Choice Award and the Judge Awards for the best vehicles in the categories before their 30s, 40s and 50s; 60s, 70s and 80s and more. All makes, models and years are welcome. Profits go to mission projects. There will be food, baked goods, door prizes, silent auctions and music.

    Sale Of BBQ Ribs, 11 am-5pm, Saturday July 17th, Millers Market, 711 Wooster St., Lodi. The cost is $ 16 for a full rack and $ 8 for half; $ 3 for a salad. Cash only. Benefit from Black River Ruritan Club scholarships and community outreach. For more information, contact Joyce at 325-524-2267 (text or call) or email [email protected]

    Push surface contemporary quilting exhibition, Johnson-Humrickhouse Museum, 300 N. Whitewoman St, Coshocton, until September 6. Admission costs $ 5 for adults, $ 4 for children and $ 15 for families. There are 22 artists from the United States, Canada and Japan. Museum hours are Tuesday through Sunday, noon to 4 p.m. (extended hours during Memorial Day weekend). For more information, contact Jennifer Bush, Director, at 740-622-8710 or [email protected]

    Holmes County Courthouse from time to time, 7:00 p.m. Thursday July 8, St. Peter’s Catholic Community Center, Millersburg. Presented by the Holmes County Historical Society; free entrance. The program is part of the recent consecration of the renovation of the clock tower. An in-depth history of the courthouse using rare photos, original plans and a detailed historical record prepared by Justice John Schuler will be presented. For more information, visit www.holmeshistory.com or send an email to [email protected]

    Sunflower tie-dye workshop, July 13 and 15 or 17 and 18, Wayne Center for the Arts, 10 years-adults, $ 25. Complement your summer wardrobe in a creative way with this sunflower dye workshop with Pat Anderson. Register at www.wayneartscenter.org or call 330-264-2787.

    Chicken barbecue at the wheel, 11 a.m.-1 p.m. Saturday, July 17, St. John’s Church, 8670 State Route 39, Millersburg. The meal consists of chicken, baked beans, applesauce and cookies; $ 10 for a meal and $ 7 for chicken only.

    Butterfly Gardening And Identification, 11 a.m. on Saturday, July 17, The Wilderness Center, 9877 Alabama Ave. SW, Wilmot; $ 5 members, $ 10 non-members. Learn about the native plants that attract butterflies to landscapes and discover easy ways to identify the most common butterflies. For more information, call 330-359-5235.

    Playscape Playdate: The nose knows, 11:00 a.m. Thursday July 22 and Saturday July 24, The Wilderness Center, 9877 Alabama Ave. SW, Wilmot. Crush the plants and squeeze the fruits to create your own new scent. Playscape Playdates are designed for a wide range of ages that challenge children’s imaginations or explore simple science topics. For more information, call 330-359-5235.

    Op art workshop inspired by Bridget Riley, 10:11 a.m. July 24, Wayne Center for the Arts, $ 20. Allison Smith leads hour-long workshops exploring new artistic techniques, famous artists, creative exploration and more. Register at www.wayneartscenter.org or call 330-264-2787.

    Wire doll workshop, From 10 a.m. to 11 a.m., July 31, Wayne Center for the Arts, ages 6-10, $ 20, led by arts educator Allison Smith, the one-hour workshop will explore new artistic techniques, artists famous, creative exploration and more. Register at www.wayneartscenter.org or call 330-264-2787.

    Antiques Fair and Craftsmen’s Tent, 10 am-5pm Saturday July 31 and 10 am-4pm Sunday August 1, Zoar. Proceeds from admission benefit preservation and educational outreach programs in the historic village of Zoar. There will be museum tours, a car show, horse-drawn wagon rides, arts and crafts. Admission is $ 10 for adults and free for children 12 and under. The cost includes a wristband that grants access to all tents, events, demonstrations and buildings in the museum. Wristbands can be purchased at the Zoar Store & Visitors Center or at one of the outdoor admission kiosks. For more information visit www.historiczoarvillage.com or call 330-874-3011.

    Ohio Mennonite Relief Sale, August 6-7, Wayne County Fairgrounds, Wooster. Profits go to the global missions of the Ohio Central Committee. For more information, call Brenda LaTulippe at 330-933-6372.

    Concert & Cruise, 6.30 p.m.-9 p.m., Friday August 20, Wooster town center. There will be food vendors; shops and restaurants will be open. The auto show is from 6:30 p.m. to 9 p.m. For more information, call 330-262-6222 or email [email protected]

    Kingwood Center Gardens, 50 N. Trimble Road, Mansfield, 10 a.m. to 7 p.m. through October; Self-guided tours of Kingwood Hall, 10 a.m. to 5 p.m. The first Monday of each month is free on the first Monday. For more information, visit kingwoodcenter.org or call 419-522-0211.

    Medina Square County Farmers Market, downtown Medina, Saturday to October 16, 9 a.m. to 1 p.m. For more information call 330-722 6186, email [email protected] or visit www.medinafarmersmarket.com.

    Second Friday: Akron Art Museum, 1 S. High St., Akron, 11 am-8pm; galleries, refreshments at special prices; free entrance. Online reservations in advance are recommended, but walk-in tours are welcome. Current exhibitions: Totally Rad: Bold Color in the 1980s, until September 19; Totally Radical: Art and Politics in the 1980s, until September 18; Akron Art Mail, until October 15; Make your mark, until August 8. For tickets or more information, visit akronartmuseum.org.

    Stan Hywet Hall & Gardens, tours Tuesday-Sunday, 10 am-6pm; the last admission is at 4:30 p.m. For more information, visit stanhywet.org. Stan Hywet is located at 714 N. Portage Path, Akron.

    Concert by Italian tenor Andrea Bocelli, December 2, 7 p.m., Rocket Mortgage FieldHouse in Cleveland. Tickets, which start at $ 79, go on sale May 3. For more information on tickets, visit RocketMortgageFieldHouse.com or call 888-894-9424.

    Machine Gun Kelly concert, December 18, 7:30 p.m., Rocket Mortgage FieldHouse, Cleveland. For tickets or more information, visit RocketMortgageFieldHouse.com or call 888-894-9424.

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    After going virtual last year, Orlando Girls Rock Camp is back live | Musical stories and interviews | Orlando


    Not to be immediately metaphysical, but can we agree that music has unique healing properties among the various arts? And can we agree that we could all, especially kids, use a little musical healing right now? Is everyone still there? Good.

    To that end, the folks behind Orlando Girls Rock Camp are back with an in-person camp this week – after a year of Zoom Camp in 2020 – and as they focus like never before on the mission of providing Girls, Girls. trans and non-binary kids – many of whom have participated for years in a row – with the tools and know-how they need to be our next generation of rock stars, this time around they’re also focused on healing. and on the mere presence of one another.

    The theme for this year’s camp is Re / Connections (love the subtle nod to West Coast DIY institution Re / Search) and that’s the intention behind everything they’ll be doing. Reconnect, readjust and reaffirm a love of music – and play that music – after a year spent mostly in isolation.

    “We just want to be a safe, calming and nurturing place. Come here and have fun with us, it will be really amazing,” said Ginny Wisdom, Director of Volunteer Services at OGRC.

    Orlando Girls Rock Camp is a non-profit organization with a committed team of volunteers – and fully vaccinated for COVID-19 – that taps into all areas of local expertise. “It’s a diverse mix; we have teachers, counselors, performers, some of the parents of the campers,” says Kristin Howard, OGRC marketing manager and drummer for local group Hot Hands.

    The commitment of Girls Rock Camp volunteers was put to the test last year, when they decided to run camp virtually, learning the benefits and pitfalls of real-time Zoom alongside the campers.

    They made it work through their tenacity, their passion for their work, their patient and enthusiastic students and their innovative personal touches that transcended the digital divide, of daily playlists (courtesy of Howard, also known by his alter ego DJ “Machine Gun” Kristin) to camp counselors personally delivering instruments to campers – “A camper had the front of his house decorated like it was a party, collages and banners, and that was just me, delivering a guitar, ”Wisdom recalls – to regular shipments of various supplies and goodies.

    “It meant a lot to us to be able to come together. No matter how it was or the ability, we just wanted to be there,” says Wisdom. “We’re all about adaptation.”

    The initial plan for this year was to run the camp in two different sessions, for pre-teens and teens, as a virtual and in-person hybrid model. But, as we all know, in 2021 the plans change and then change again. Foam. Rinse. Repeat. So by the time you get this issue on your hands, the Orlando Girls Rock Camp will be halfway there.

    Camp runs Monday July 5 through Friday July 9 at the Broadway Methodist Church in downtown. There are, at the time of this writing, almost 20 participating campers in an age range of 8 to 18 years old. Admission to the camp is based on a sliding scale, free – $ 150, so as not to create economic barriers. “We are a non-profit organization, we don’t want to exclude anyone from this experience,” says Wisdom.

    Campers start the week by choosing the instrument of their choice from the Guitar / Bass / Drums / Vocals toolkit, without any prior musical knowledge, and then divide into ad hoc groups for the duration.

    Individual instrument instruction gradually becomes group practice, and these new groups choose a cover song to perfect during their week, adding their own twist – new lyrics, riffs, etc. – and prepare him to play for the final camp showcase.

    “An original song in five days is a lot to ask,” Howard says. “It takes the pressure off a bit for everyone because we weren’t even sure we could do a face-to-face camp. So we got them to do covers, but changing the song to their own thing.”

    This is not a one-time summer pastime, however, make no mistake about it. “These groups are real,” says Wisdom. “Some of them have stayed together since they started at the camp years ago. They continue to train between camps.”

    Camp activities will also include instruction on equipment and instruments, DIY ethics, patch sewing (!), Yoga / mindfulness lessons, as well as personal autonomy and consent. The campers have meals together and work on a zine that culminates in common during the week.

    The organizers of Girls Rock, for the first time, ask you do not go to this year’s showcase. Wait, listen to us! They want you to watch it, but they would rather you watch it via their simulcast live on Saturday July 10th. where campers show their chops live, will take place at the Ten10 Brewery.

    “It will be much more discreet… This year, we will limit the capacity to four people per camper,” explains Wisdom. “But we’re trying to find a way to get it to the larger Ten10 space so that everyone can come and watch it.”

    Right now, however, it’s a rush of last-minute preparation and impatient anticipation. Girls Rock Camp is a labor of love for the all-volunteer staff. “I’m not saying we’re jostling each other, because we’re not disorganized, but there are always a billion last minute things to do.… But we’re ready! We can do it in the blink of an eye,” says Wisdom.

    This year promises to be part a family reunion, part a crash course in education, and it’s all a testament to the purifying joy and healing power of playing music with your friends just for the fun of it – whatever. on an arena stage, a front porch, the Front Porch Festival, a stuffy garage, Uncle Lou’s, a Zoom screen or, yes, Ten10 Brewery this very weekend.

    Follow Orlando Girls Rock on Facebook at facebook.com/orlandogirlsrockcamp or on Instagram, @orlandogirlsrockcamp.

    [email protected]


    Gwen Stefani once said she fell in love with a star at the Rock & Roll Hall of Fame


    Many celebrities have inducted someone into the Rock & Roll Hall of Fame over the years. Gwen Stefani inducted a group into the Hall of Fame and revealed that she was in love with one of its members during her induction speech. Here is the personal anecdote she shared.

    Gwen Stefani | MTV / Getty Images

    Gwen Stefani said she was “terrified” of a member of a band she inducted into the Rock & Roll Hall of Fame

    Before being a global pop star, Stefani was a rock star in the group No Doubt. No Doubt has made music in several genres and they have become particularly famous for combining elements of rock and Caribbean music. In that regard, they weren’t all that different from the popular 1970s / 1980s band The Police.

    Fittingly, Stefani inducted the police into the Hall of Fame. During her speech, she revealed that The Police were one of her favorite bands. She said they were the first group to attend a “big concert” – and she even briefly met Sting. However, their interaction was not completely positive.

    “Because my dad worked for Yamaha motorcycles, he got us backstage passes,” Stefani recalls. “Yamaha was doing a special promotion for The Police, and they were shooting this poster. And even when I was 13, I was aware of the band’s reputation for brawling, and that Sting was a little scary.

    Gwen Stefani at the Rock & Roll Hall of Fame

    RELATED: Diana Ross of the Supremes has been called to the Rock and Roll Hall of Fame

    “All of a sudden, Sting gets off on one of the motorcycles and my dad says, ‘Hurry up! You have to go get his autograph, ”Stefani added. “I’m terrified, but I’m running after him. I was this 13-year-old chubby little girl from the Orange County suburbs. I was in love with him.

    Why Gwen Stefani’s experience with Sting wasn’t perfect

    Stefani’s experience with Sting, however, was not exceptional. “He wasn’t even looking at me!” she said. “He was totally cranky. He didn’t want to sign my poster, but he didn’t impress me too much.

    Eventually, Sting apologized for his actions. “When I met Sting years later, I told him this story, and he said, ‘Oh man, I was so dumb back then,'” she continued. “But he’s such a great guy.”

    Other links between No Doubt and The Police in addition to the Rock & Roll Hall of Fame ceremony

    Subsequently, Sting took the stage. Stefani kissed her. She stood behind him as he gave his acceptance speech.

    Members of the police giving speeches at the Rock & Roll Hall of Fame

    RELATED: George Harrison of the Beatles felt a star could denounce him at the Rock & Roll Hall of Fame

    The links between The Police and No Doubt extend beyond that night. Billboard reports that the bands performed a version of The Police’s “Message in a Bottle” at the Super Bowl in 2003. They performed the same cover again at the Global Citizen Festival in New York City in 2014. While the initial experience of Stefani with Sting was not very positive, she will be there later to present him with one of the highest accolades in the world of rock’n’roll.

    RELATED: Gene Simmons of Kiss thinks these artists don’t belong to the Rock & Roll Hall of Fame


    Phil Elverum announces first The Microphones tour in 18 years with spring 2022 tour dates

    Phil Elverum announces first The Microphones tour in 18 years with spring 2022 tour dates

    After 18 long years, The Microphones should go on tour again in 2022, according to singer Phil Elverum. Elverum has announced several tour dates in the United States but also in Canada, Spain, Portugal and a festival in the Netherlands. Ragana and Emily Sprague support them during their North American tour dates.

    After the release of Microphones’ 2003 album Strange mountain, Elverum began recording and releasing music under the same name, Mount Eerie. That suddenly changed in 2020, when the folk singer released a 45-minute piece of art titled “Microphones in 2020, accompanied by a photo book and short documentary. It was their first song since 2003 and earlier this year The Microphones released Foghorn Ribbon, a clear vinyl LP that contains no music and just background noise. The album was a limited release with only 999 copies and no digital downloads available.

    Mount Eerie’s Lost Wisdom Pt. 2 was introduced to the world in 2019, and Elverum announced tour dates for Spring 2020, which were later reprogrammed due to the emergence of the pandemic. With The Microphones tour dates next year, there’s a good chance they could perform, as have many other bands that have postponed their tour until next year.

    North American tour dates:

    02/17 Pioneertown, CA – Pappy & Harriets #
    02/18 Los Angeles, CA – Lodge Room #
    02/26 Portland, OR – Polaris Hall #
    02/28 Seattle, WA – Neptune Theater #
    01/03 Minneapolis, MN – Cedar Cultural Center ^
    02/03 Chicago, IL – Thalia Hall ^
    03/03 Grand Rapids, MI – Rich Theater ^
    04/03 Toronto, Ontario – Grand Hall ^
    05/03 Montreal, Quebec – La Sala Rossa ^
    06/03 Portland, ME – Space ^
    07/03 Somerville, MA – Somerville Theater ^
    08/03 Brooklyn, NY – St. Ann & the Holy Trinity Church
    09/03 Philadelphia, PA – First Unitarian Shrine ^
    10/03 Washington, DC – Miracle Theater ^

    # with Ragana
    ^ with Emily Sprague


    comments

    Nestruck on Theater: Tents grow in Stratford as live theater comes to life across Canada

    The Stratford Festival has set up an awning next to the Festival Theater where outdoor performances will begin on Saturday.

    J. Kelly Nestruck / The Globe and Mail

    My family packed the car and drove from Toronto to Stratford, Ontario on Sunday. The journey took about two hours and the toddler miraculously took a nap for a good portion of it. Bodes well, I hope, for the coming summer.

    We will be in Stratford for the next two months so I can observe and write about the reopening of this cultural city which is home to the Stratford Festival, North America’s largest non-profit theater company, as well as a disproportionate proportion of Canada’s artistic talent in theater and live music.

    I got my bearings on Monday by taking a self-guided tour of the tents that have sprung up across town at this point in the pandemic – not quite the same as those that have sprung up in parks around me. in Toronto.

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    The Stratford Festival has set up two large canopy stages where small-cast plays and cabarets are scheduled to perform from Saturday.

    One is right next to the Festival Theater, a circular building designed by Robert Fairfield to pay homage to the tent under which the festival performed for its first seasons from 1953 (the circle has come full circle).

    The Tom Patterson Theater has a four poster stage behind it where performances will begin soon.

    J. Kelly Nestruck / The Globe and Mail

    The other awning is on the side of the new, beautiful Tom Patterson Theater still unopened – and as a no-trespassing sign held me at bay, I peeked over a fence to catch a glimpse of a catwalk style stage that resembles the one that lived in the old Tom Patterson Theater.

    These are not the custom-made tents (one of which was to be designed by Hariri Pontarini, architect of the new Tom Patterson Theater) under which the Stratford Festival initially hoped to perform this summer. Ontario’s restrictions on non-essential construction meant a pivot to pre-fabricated canopies which, one wag on Twitter noted, looks a bit like the white hats of The Handmaid’s Tale. (Perhaps one of those outdoor scenes should be dubbed “The Atwood” after the longtime Stratford novelist and patron, who even wrote a book set in the Stratford Universe.)

    It can be just as good, however, as Ontario’s current regulations for outdoor theatrical performances – which were only announced at the last minute – are confusing if you plan to stage a show in a personalized structure. Ultimately, Stratford will be allowed to perform to an audience of 100 under the canopies as they had long hoped (based on the province’s easier-to-follow restrictions last year).

    Elsewhere on my tour in Stratford, I spotted a rudimentary tent set up outside the festival’s costume and prop warehouse where actors rehearsed before being allowed to rehearse inside (as they are now). Then there are a number of smaller ones that popped up outside of downtown restaurants – they were packed (with distant customers, of course) when we arrived on Sunday. The city already seems alive even before theater companies started to attract foreigners to the city.

    The Bruce Hotel in Stratford hosts the New Works Festival of the Here For Now theater company.

    J. Kelly Nestruck / The Globe and Mail

    I say “companies” because there is also a stage set up in a tent behind the Bruce Hotel, where the enterprising Here for Now Theater Company’s Festival of New Works started on Tuesday – beating the city’s slowest theater institution on the four-day opening night.

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    I will be attending two shows there today, which marks exactly two weeks since my second shot. But more on that in this weekend’s journal.

    The 2021 Stratford Festival season being reduced, with short series of plays and cabarets featuring small cast, there are plenty of regular members of the company who haven’t found work there this season. Actors like Gordon Patrick White, who I met on Monday outside the local outpost of Balzac’s, the artistic coffeehouse chain that started in Stratford in 1996.

    White told me he was heading east again this summer in a few days. Indeed, you can see him on stage at Filigree theater in Prince Edward Island, where he plays in Drew Hayden Taylor’s play Villagers and Indians.

    The Watermark kicks off its 2021 season this weekend with a free outdoor show called Mi’kmaq legends – and then next week begins a race of the two-handed classic from DL Coburn The gin game, which was first famous on Broadway by Jessica Tandy and Hume Cronyn in 1977, when the legendary acting couple could also be seen regularly on stage at the Stratford Festival (again, the circle has come full circle ).

    Meanwhile, in Prince Edward Island, the Charlottetown Festival is currently continuing its small-audience indoor season with Dear Rita, a new musical that weaves the favorite songs of Nova Scotia singer Rita MacNeil around a script by Lindsay Kyte of Cape Breton. It runs until August 6.

    Dear Rita is headed by Mary Francis Moore – who also happens to have officially started his new job as artistic director of Theater Aquarius in Hamilton on Monday. Late congratulations to Moore on his appointment.

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    While I was on vacation last week, Ontario theaters have been allowed to reopen outdoors. But the 7 Doigts, one of the great boutique circus companies in Quebec, were one of the first groups to take the stage here. The troupe is currently in Markham, Ontario for an outdoor performance as part of an event called Ensemble à part, Summer Cirque at the Markham Fairgrounds complex until August 1.

    If you can’t make it – as I unfortunately don’t think so – the circus company’s excellent pandemic film Out of order is now available on demand via its website. (I saw him again in March.)

    Meanwhile, in the circus-obsessed hometown of the 7 Fingers, the Montreal Completely Circus The festival will soon be operational with its 12th edition, back with once again live performances. It is an ideal place to sample all the Quebec circus companies that are not Cirque du Soleil (such as Cirque Alfonse, FLIP Fabrique and Kalabanté Productions). The festival takes place outside of town and indoors at the town’s personalized circus hall, TOHU, from July 8-18.

    Two online choices for the week: Voice, one of my “theatrical experiences to look forward to in 2021”, is broadcast continuously via the Prairie Theater Exchange until July 11; and Outside the musical on dyslexia de la Marche Stupid!, which I spoke about last month, begins its digital live radio broadcast July 7.

    Stay up to date with the weekly Nestruck on Theater newsletter. Register now today.

    July Event Schedule for Lock 3 in Akron with Music, Festivals, Movies


    Akron has announced the full list of upcoming acts and activities at the Cleveland Clinic Akron General Stage and Lock 3 for July.

    At Tuesdays, Yoga Squared offers yoga sessions and Thank Dog! Bootcamp offers a bootcamp and a dog obedience course from 7 p.m. to 8 p.m.

    Moving from Lock 4 to Lock 3 this year, the Wednesday The 7-9 p.m. concert series will feature Swizzle Sticks on July 7, The Fabulous Voices on July 14, The Stingers on July 21, and The Rhythm Syndicate on July 28.

    The alternative evenings with the jenY 107.3 will feature garden games, drink specials, music, food and more from 7 p.m. to 10 p.m. every Thursday.

    fridays are for tribute groups presented by WONE 97.5. Doors open at 6 p.m. Start of shows at 7 p.m.

    The groups are: July 2 E5C4P3, Journey tribute, with The Tony Lang Band; July 9 Return To Paradise, a tribute to the Styx, with Charita Franks; July 16 Hollywood Nights, a tribute to Bob Seger, with Michael Weber; July 23 Atomic Punks, a tribute to Van Halen, with Kerosene; and on July 30 Hard Day’s Night, a tribute to the Beatles, with Into the Blue.

    Saturday fun and entertainment kicks off with the Downtown Block Party from 2 p.m. to 7 p.m. on July 3, featuring a gathering of local food trucks (interested trucks should contact Lock 3 at [email protected]), craft beer tasting, inflatables and live entertainment including Reptile Show Kingdom and local 45 RPM band.

    The Drifters, formed in 1953, host a free concert on July 10, featuring some of doo-wop’s greatest hits, including “Under the Boardwalk”, “Save the Last Dance for Me”, “Up on the Roof” , “This magical moment” and “Here is my baby”.

    The African-American cultural festival with a market, food, music, and activities is July 24-25. ConFunkShun is playing July 25 with tickets available at lock3live.com.

    Food and drink for purchase and free educational programming at 8 p.m. on Sunday will be followed by a film screening. Bring a blanket. The lineup is “Cats and Dogs 3: Paws Unite!” July 11 with a theme party Humane Society and “Karate Kid” July 18 with a Karate theme.

    Movies in the neighborhoods

    Lock 3 is taking the movies to the neighborhoods with the Summer Movies on the Great Streets series.

    The films start at dusk.

    “Soul” will perform at the Well CDC, 647 E. Market St., on July 10 in the Middlebury area of ​​Akron. “Raya and the Last Dragon” will air on July 17 on North Hill at People’s Park, 760 Elma St.

    The community partners film series, which also begins at dusk around 8:45 p.m., includes “From the Rough” airing July 15 at Mud Run Golf Course, 2000 S. Hawkins Ave .; “Black Panther” showing July 25 at Perkins Park Pool, 899 Diagonal Road; and “Rocky Horror Picture Show” July 31 at Lock 3, 200 S. Main St.

    For a second year, the Independence Day fireworks display will leave downtown and launch from Akron Executive Airport, Patterson Park ball fields, Summit Lake and Erie Island in 9:45 p.m.

    Lock 3 sponsors include Cleveland Clinic Akron General, Tramonte Distributing, Miller Lite, Coca-Cola, Downtown Akron Partnership, Thirsty Dog Brewery, Glen Stephens Inc., Knight Foundation, University of Akron, WAKR, WONE, WQMX , JenY and Courtyard Marriott in downtown Akron.

    For full ticketing and event details, visit lock3live.com.


    Elvis Costello dismisses allegations Olivia Rodrigo plagiarized her music, claiming it’s rock and roll


    The teenage star was first criticized by Grunge granny Courtney Love, who called her “rude” for imitating Hole’s album cover. Now social media users have blamed her to plagiarize a song by veteran British artist Elvis Costello.

    Thankfully, however, Costello proved to be much more forgiving – and even encouraging – about the similarity between his music and Rodrigo’s latest offering.

    After reading an article about Love’s anger accusation this week, a British teenager named Billy Edwards took to Twitter to comment: “The first song on the album is a pretty straightforward cover of Elvis Costello. “

    Edwards compared a guitar riff from Brutal, the first track from Rodrigo’s Sour album, to Costello’s 1978 hit Pump It Up.

    Much to Edwards’ surprise, Costello himself responded by writing, “That’s good for me, Billy. That’s how rock and roll works. You take the broken pieces of another thrill and make a brand new toy. This is what I did. #subterreaneanhomesickblues #toomuchmonkeybusiness “

    The British singer-songwriter, who rose to fame in the 1970s, appeared to suggest his song was borrowed from Bob Dylan’s 1965 track Subterranean Homesick Blues, which itself was inspired by Chuck Berry’s Too Much Monkey Business. 1956.

    Earlier in the week, Love took to Instagram to comment on Rodrigo’s promotional photo for his concert movie “Sour Prom”.

    The photo shows Rodrigo as a prom queen with mascara on his face and is reminiscent of the cover of the Love Hole band’s “Live Through This” album in 1994.

    “Find the difference! #Twin,” Love captioned Instagram.

    Rodrigo, who is best known for her roles in Disney’s Bizaardvark and High School Musical series, responded in the comments section, writing “I love you and live this so much.”

    On her Facebook account, Love was a little more direct in her comments, writing: “It was rude of her, and [Rodrigo’s record label] geffen not to ask me where [‘Live Through This’ cover photographer] Ellen von unwerth. “

    Complaints of plagiarism are not uncommon in the music business. Last year, UK rock band Led Zeppelin won a long legal battle over stealing the opening guitar riff for their 1971 signature song “Stairway to Heaven” from a track by US band Spirit.

    Led Zeppelin victorious in

    In 2015, a jury ordered Robin Thicke and Pharrell Williams to pay $ 7.4 million for their hit Blurred Lines, which sounded like Marvin Gaye’s 1977 hit, “Got to Give It Up.”

    In 2019, Katy Perry was ordered to pay damages in a copyright infringement case involving her song “Dark Horse,” which sounded a lot like a Christian rap song.


    Boom! Muncie 2021 fireworks to light up the sky on July 3 and 4 – Muncie Journal

    By: Mike Rhodes, Editor-in-Chief—

    Muncie, IN — The town of Muncie will celebrate America’s Independence Day with two spectacular fireworks displays by Melrose Pyrotechnics, headquartered in Kingsbury, IN.

    The first show will be presented at Prairie Creek Reservoir on Saturday July 3 at 10 p.m. You can listen to the music accompanying the tank fireworks on 104.1 HD1 WLBC.

    The official show will be broadcast by 104.1 HD1 WLBC and 104.9 WERK FM, with accompanying music, and will be held on the grounds of Muncie Central High School by the fee. The show will begin at 10 p.m. on Sunday July 4.

    There will be a mix of patriotic favorites with family music today during the fireworks display.

    Click the photo above to view a video of Melrose Pyrotechnics’ work in Chicago.

    According to Cheryl Crowder of the Muncie Downtown Development Partnership, Wheeling Avenue will be closed from Wysor Street (High Street Bridge) to Minnetrista Blvd from 8 p.m. to 11 p.m. Muncie Police and Fire Departments will facilitate traffic during the July 4th performance to facilitate entry and exit from the site.

    About Melrose Pyrotechnie

    TThe Melrose Pyrotechnics, Inc.® team has received the following prestigious global awards: 1st place at the Da Nang International Fireworks Competition, Vietnam (2013), 3rd place at L’International des Feux Loto-Québec, Canada ( 2009), 1st Place at the Hanabi World Cup in Nagasaki, Japan (2010) and 1st Place at L’International des Feux Loto-Québec, Canada (2006). We pride ourselves on our ability to produce professional fireworks that create unparalleled entertainment value not only for competitions, but also for events and celebrations of all sizes and types.


    Also July 4th: America’s Hometown Band Performs Evening Concert at Canan Commons in downtown Muncie

    This free and open to the public event offers a live and lively musical celebration to the Muncie public for this most traditional holiday in America.

    AHB Music Director Roger McConnell Says

    “For 2021, our annual independence day”Prelude to the fireworks’ concert moves downtown to suitable for concerts band shell and open green space at Canan Commons. We have a one-hour program starting at 7:00 p.m., scheduling it to improve family time after dinner time and before the big aerial fireworks display. There is plenty of space to meet friends, light sparklers and sing our country’s praises with the group.

    Canan Commons in Muncie is located in the 500-600 S Walnut St block downtown; lawn, public parking nearby. This concert is performed by over 50 talented musicians from the America’s Hometown Band who come together to entertain and inspire fellow citizens to truly be a part of this appreciation of our country’s history and achievements.

    AHB Was founded in Muncie in 1988 through Phillip Cooley and Roger McConnell.

    Facebook : America’s hometown group

    The Web: amhometownband.org

    Bandaged Sponsors include: City of Muncie, Community Foundation of Muncie / Delaware County, George and Francis Ball Foundation, Former National Bank, E. B. & Bertha C. Ball Fothe flood, Ball State University, Emens Auditorium.

    Infographic provided to MuncieJournal.com by: Wallet Hub

    Infographic provided to MuncieJournal.com by: Wallet Hub.

    Artists living in abandoned Gloucester theater want £ 2million for overhaul


    An artists’ collective that has taken up residence in an abandoned theater and cafe in Gloucester wants to raise £ 2million to renovate the site.

    The Olympus Theater and Café has been taken over by Deepbed Limited, a non-profit charitable organization that seeks to provide a haven for Gloucester artists.

    The dusty old Barton Street Theater has not been in operation since 2014 when it hosted a live theater festival, with performances by the Royal Ballet School and the Everyman Theater in Cheltenham.

    Read more: The Lost Pubs of Barton Street – a journey through time to a bygone era

    The dilapidated theater opened as a cinema called the Picturedrome in 1923, during the jazz era and silent movie era.

    Deepbed chief executive Neil Walker, 57, is keen to re-name the venue Picturedrome and restore it as an artistic venue, with plans to engage audiences once restrictions are lifted in July.

    Neil has secured a six-year lease for the building, but hopes to raise enough funds by the end of the year to purchase the premises.

    Get the greatest stories from all of Gloucestershire straight to your inbox



    Sal Davidson (left) and Kingsley Salmon of Barleyfield Records outside the Olympus Theater, Barton Street, Gloucester

    The artistic director then wishes not to rearrange the entire space.

    He says those plans will require £ 2million and is looking to fund crowdfunding over time with seats and heating removed from the auditorium.

    The theatrical space will become more of an auditorium that will be used by a range of acts, such as dancers, circus performers and musicians.

    Neil said: “Traditionally, artists, because they are poor or struggling, tend to take studios in exactly those type of areas where ownership is cheaper. So the Big Bang and the regeneration of places like Hackney is due to artists finding empty warehouse spaces and sort of regenerating the areas.

    “What tends to happen is that artists take up spaces, and then shortly after that you’ll have a deli and cafes opening, and then the whole area will start to regenerate.”

    He adds that he doesn’t want Barton Street to be bourgeois because he admires the diversity of the neighborhood.



    The Reveness Professional Experience Group sits inside the Theater Cafe and Olympus Cafe in Barton Street, Gloucester
    The Reveness Professional Experience Group sits inside the Theater Cafe and Olympus Cafe in Barton Street, Gloucester

    Neil is used to fundraising to create art spaces, having done so successfully as the art director of Stroud Valley’s Art Space (SVA).

    There are currently seven studios set up in the 1,200 square foot space for artists to rent.

    Independent filmmakers, photographer and MC Rider Shafique, Woia Collective (who make carnival clothing and art) and music producers Barleyfield Records currently occupy the spaces.

    Kingsley Salmon, 30, director of Barleyfield Records, said: “It’s really cool, you really get a feel for how many things have happened here. It started as a cinema, then a theater and music space. There were a few shows here in the 90s and then it got a little bit abandoned. As you can see there is junk everywhere but it is a very nice building.



    Sal Davidson and Kingsley Salmon of Barleyfield Recrods in their Olympus Cafe recording studio, Barton Street, Gloucester
    Sal Davidson and Kingsley Salmon of Barleyfield Recrods in their Olympus Cafe recording studio, Barton Street, Gloucester

    “It’s getting exciting here. When you’re in a small room and trying to write or produce, you tend to go for what the walls allow. You can kind of just walk around here, play guitar in the theater or whatever, and start to feel bigger at what you’re doing.

    Kinglsey, who is a father of one and originally from Essex, adds that having the space has influenced the direction of his business.

    He is now able to offer work experience to young people at Gloucester College, who are taking a course in music production. He calls them the Barleyfield Youth.



    Reveness: (left to right) Paulino Thomas, Amber Michael, Pearse O'Shea and Sebastian Thomas
    Reveness: (left to right) Paulino Thomas, Amber Michael, Pearse O’Shea and Sebastian Thomas

    The group of five 18-year-olds, who go by the band name Reveness (named after a pair of drinks they enjoyed), spoke of how “lucky” they felt to have the opportunity to ” learn the trade in a real recording studio. with professional musicians.

    The group includes twins Paulino and Sebastian Thomas, Amber Michael and Pearse O’Shea.

    We want to hear your thoughts on this story, so tune in and leave your comment below.

    When asked what they think of the recording in the historic building, Sebastian said, “There’s just one word for it, lucky. At college, we don’t have the same atmosphere or the special equipment. Here, it’s more a question of atmosphere.

    Paulino intervened: “Here it’s relaxed but at the same time it’s professional.”


    In-game music festivals are coming to The Sims 4


    If you feel like not showering properly and sleeping in a tent on the weekends to watch live music, fear not. A sort of mini music festival is coming to The Sims very soon.

    Sims Sessions is an in-game music festival set in the virtual world of The Sims 4 that was announced earlier this week.

    And while the older generation Simmers (that’s us, by the way) may never have heard of the artists performing at upcoming events, maybe those of us who play for 20 years are no longer the main target market of the game. No lack of respect for artists, for that matter.

    The lineup will include the return of two-time Grammy nominated pop star Bebe Rexha. The sims and will perform in Simlish as lead singer of Glass Animals, Dave Bayley, and singer, songwriter and producer Joy Oladokun will take the stage in the virtual world.

    Sims attending an in-game music festival in The Sims 4. Photo: EA

    While the Sims team has been somewhat frugal with the exact details, it seems reasonable to assume that some sort of new feature will be added with the next base game patch.

    Currently there is a festival gameplay feature, but this is exclusive to expansion packs and the Sims Sessions announcement made it clear that players only need The Sims 4 base game to attend the performance.

    Festivals are part of the City Living Expansion Pack (which was recently available as a free trial through Origin) and the Snowy Escape Expansion Pack, so there might be some similarity between how they work and these new live music festivals.

    Challenge events also exist in the base game and have seen various interactions like the Rabbit Egg Hunt, Sprint Challenge, Day of the Dead, and PlantSim Challenge among others.

    The world or batch that the festivals will be held in has also not been officially confirmed by The Sims at the time of writing, but from the promos it appears to be Magnolia Blossom Park in the Willow Creek neighborhood ( h / t Iron Seagull).

    Ahead of the concert premiere on June 29, 2021, The Sims 4 base game and The Sims 4 Digital Deluxe are on sale on Origin and Steam.

    Want all of the best stuff from our The Sims articles delivered to your inbox? Sign up for our Sims newsletter here. You can also follow us on Google News (tap the star icon in the top right corner to do so).


    Program announced, tickets on sale


    It’s not all about eating and drinking at the Highlands Food & Wine Festival.

    There is also a great local music lineup planned for the fifth round of the food festival: Amos Lee, Hiss Golden Messenger, Devon Gilfillian and Rufus Lee and The Handful.

    The festival takes place November 11-14 in downtown Highlands, County Macon, and tickets are on sale now.

    Besides live music, festival guests can also attend the popular Grand Tasting, Truckin ‘, Main Event and Sunday Shindig events, all of which feature live music combined with world-class dishes prepared by local and regional chefs. Fine wine and spirits seminars, specialty dinners and other culinary experiences also dot the weekend program.

    After:Asheville’s Downtown After 5 returns with all-local programming. Look who’s playing

    “We are extremely excited with the stellar musical talent who plans to join us in November,” the director of the Highlands Food & Wine Festival said in a statement. the coming weeks. “

    Tickets will range from $ 150 to $ 800 for VIP weekend passes. All tickets include food, drink and live musical entertainment.

    The Highlands Food and Wine Festival will take place from November 11-11.  14 this year.

    The calendar of events

    November 11th : Great tasting. The festival kicks off with a performance by Rufus Lee, of Greenville, SC, and The Handful, who promise outlaw, honky-tonk country with a unique rock ‘n’ roll edge.

    November 12: Trucking. Nashville-based American folk pop group Erin Rae, led by singer-songwriter Erin Rae McKaskle, will open performances on Friday. The group is known for their unusual songs and for McKaskle’s unique modern indie folk sound.

    The Highlands Food and Wine Festival will take place from November 11-11.  14 this year.

    Headlining is Durham-based American folk / country rock group Hiss Golden Messenger, led by MC Taylor. The group crosses various musical genres ranging from bluegrass and soul country to swamp pop and rhythm and blues.

    November 13: Main event. Diana DeMuth will bring her folk rock sound to the Main Event stage, performing songs from her debut album, Misadventure.

    Amos Lee, an American singer-songwriter whose musical style encompasses folk, rock and soul, will headline the Main Event. Lee has opened for Adele, The Avett Brothers, Elvis Costello, Dave Matthews Band, Bob Dylan, David Gray, Merle Haggard, Jack Johnson and more.

    Devon Gilfillian performs live via laptop as part of virtual concert

    November 14: Sunday Shindig. Returning to the Highlands after a performance at the Bear Shadow Music Festival, Nashville-based singer-songwriter and conductor Devon Gilfillian will close the festival at the Sunday Shindig. Gilfillian, known for his deep soul, will perform the album What’s Going On by Marvin Gaye during the Sunday Shindig.

    ___

    Mackensy Lunsford has lived in Asheville for over 20 years and has been an editor for the Asheville Citizen Times since 2012. Lunsford is a former professional cook and former restaurant owner.

    Meet me: [email protected]

    Read more: Subscribe to the Citizen Times here. Subscribe to my newsletter here.


    Music festivals have saved me so many times


    For years, I believed there was no down so low that a festival couldn’t help me fix. Since my first one – Roskilde in 2007 – they have always been a kind of analgesic balm, three or four days of joy and catharsis. The time I was dumped? My friends dragged me to Glastonbury, and the defibrillator shock of the Yeah Yeah Yeahs restarted my heart. This spring soaked in sorrow? Bon Iver’s falsetto soothed my soul in a sun-drenched Primavera. When I was filled with self-loathing? Fleetwood Mac convinced me to “Go Your Own Way” on the Isle of Wight.

    September 2019 was different. Four months ago, I had been involved in a moped accident in Thailand (I know). It was carnage: broken leg, torn ligaments, damaged peroneal nerve so categorically, I lost all feeling and movement under my right knee. Then came depression, a miasma seeping into every nook and cranny of my mind. There were tears. Explosions. Feelings of devastation. I would never run again, I was told. The worst was PTSD. The flashbacks. The nights spent agonizing over what had happened; which I could have done differently. Mom and my girlfriend took turns washing me with a sponge. We laughed; inside I was a wreck, helpless.

    All this to say that End of the Road 2019 really had its work cut out for it. Falling on the first weekend of September, this Wiltshire camp traditionally marks the end of festival season – summer swansong, teeming with eccentrics and built on a mix of intimacy and verdant bacchanalia. I had been there a few times before, as a music critic, but this time it was a little harder to get around: with crutches on the first day; in a wheelchair on the second floor. At one point, my girlfriend, mesmerized by the vegan burger she was holding, let go of me, and I walked down the hill, chasing her (but still hugging that vegan burger). At another, planted in front of Michael Kiwanuka’s headplate, I could barely see the scene as figures swayed languidly in front of me. But all around me were my pals, their eyes gleaming against the night sky, enthusiastically cradling me (and tearing my ear off) to the psychedelic sounds of “Cold Little Heart”. At times like these, I remember the sheer restorative power of festivals. Music! Friends! Love!

    At the Roskilde Festival in 2007

    (Patrick Smith)

    If I went to sorry End of the Road that year, I came out clinging to little tendrils of hope. And hope had been the lesson I learned from my very first festival. In fact, it’s a miracle that I returned there after Roskilde in 2007. I arrived for a sunny weekend in Denmark to watch Björk, The Who and Arcade Fire. Alas, it was the rainiest year in the history of the festival: I had brought Converse when I should have brought rubber boots; a leather jacket when I should have brought a sou’wester; and a flimsy pop-up tent when what conditions really demanded was an archway.

    The scenes were apocalyptic. The teenagers were crying. Tents have been lost in mudslides. Lakes have formed in the camping areas. To watch an act, you had to skillfully play hopscotch in the chocolate mud. Imagine the SAS selection, except more blonde college students jumped on gallons of bad red wine. Five thousand people left on the first day. I checked into a hostel on the third day. If it all sounds slightly traumatic, it really wasn’t at the end of the day, as we invoked the kind of hardy bonhomie usually favored in the harshest of conditions. By the time the sun broke on Sunday and we went to Basement Jaxx, I understood what festivals were. I went to four the following year.

    Since then, music journalism has taken me everywhere – from Portmeirion to Bilbao, from Oslo to Helsinki. Friendships were formed in front of Radiohead, Pixies and Lana Del Rey. Of course, the past 16 months have robbed us of these magical weekends. During this time, I continued to struggle with depression. Sometimes it’s bad, other times more manageable. But he’s still there, crouching. I still wear a splint but there is now movement in my foot, albeit minimal. Add to that the prospect of another End of the Road this year and I (almost) feel a spring in my approach. What I wouldn’t give right now for being in a muddy field, holding a hot beer and surrounded by the people I love, singing along to “Shake it Off” by Taylor Swift. Nature heals, just like live music.


    The Rock-On Award is presented to healthcare workers at the opening ceremony of the Granite City Days


    (KNSI) – Healthcare workers in the St. Cloud area were honored and a new award was presented at the opening ceremony of the Granite City Days.

    This year, the summer festival has chosen to make music its theme. The ceremony began with a performance by the St. Cloud Symphony and a special performance by James Calacsan, President of Granite City Days.

    Mayor Dave Kleis then presented the 2021 Rock-On Award to a band he says is in debt to all of us.

    “We normally give out two or three of these awards each year. But this year I can’t think of any other greater recipient than a large group of people, but one award. And that’s at CentraCare St. Cloud Hospital and all the healthcare workers, they’ve stepped up, the people that’s been there. It’s hard work, to begin with, but they escalated during a pandemic. And we owe them such a debt of gratitude as a community. “

    Normally the Rock-On Award is a small piece of granite given in the name of St. Cloud.

    But Mayor Kleis has announced other plans in honor of the thousands of healthcare workers who have been on the front lines during the pandemic.

    “This is such an important prize for such a large group of people. We are actually going to put that award in a granite monument in one of our 96 parks probably in Lake George, where we will recognize this year, we will not only put the monument in the Rock-On award, but we are going to we are going to bury a time capsule that depicts everything that has happened over the past year and a half.

    Jake Judd (KNSI News)

    True to the musical theme, the Mayor presented the first St. Cloud Music Legacy Award posthumously to Bobby Vee.

    His grandson Bennet agreed on his behalf.

    Mayor Kleis also presented a $ 500 prize to the winner of the St. Cloud Songwriting Contest. The money went to former City Clerk of St. Cloud and now songwriter Greg Engel.

    Jake Judd (KNSI News)

    The evening ended with a concert by St. Cloud area band The Fabulous Armadillos.

    The festival continues Friday night with the Liberty Block Party and the headliner “The Guess Who”. Saturday is the Granite City Days parade.

    Events are scheduled until Sunday. Discover all the events by clicking here.

    ___

    Copyright 2021 Leighton Enterprises, Inc. All rights reserved. This material may not be broadcast, published, redistributed or rewritten in any way without consent.


    Giolì & Assia announce 2021 North American tour – EDM.com

    Giolí & Assia’s breakthrough takes place in the United States.

    The Italian barnstorming duo, who was nominated for EDM.com‘s Class of 2021, have announced a North American tour slated for fall 2021. They will debut in mid-November with two Canadian shows in Ontario and Quebec, respectively, before heading to Massachusetts. From there, they’ll hit a number of major US cities, including Detroit, Chicago, and Denver, before pulling off the hook on the Los Angeles tour.

    The news comes in the middle of a monster year for the prodigious duo, who released their scintillating Moon faces EP in February.

    Revered for their versatility and atmospheric live performances, Giolí & Assia are quadruple threats as DJs, producers, multi-instrumentalists and singers. They went wild by presenting their signature sound – a hypnotic mix of house, indie and ambient music – during their stunning #DiesisLive sessions.

    Tickets for the Giolì & Assia live tour will go on sale tomorrow June 25 at 10:00 a.m. local time via their website. You can find the full list of dates below.

    Giolí & Assia 2021 North American Tour Dates:
    November 17 – Toronto, Ontario @ Velvet Underground
    November 18 – Montreal, Quebec @ Le Belmont
    November 19 – Cambridge, Massachusetts @ The Sinclair
    November 20 – Brooklyn, New York @ Music Hall of Williamsburg
    November 23 – Washington, DC @ Union Stage
    November 26 – Detroit, Michigan @ Magic Stick
    November 27 – Chicago, Illinois @ Bottom Lounge
    December 1 – Dallas, Texas @ Trees
    December 2 – Austin, Texas @ The Concourse
    December 4 – Denver, Colorado @ The Marquis
    December 6 – Vancouver, British Columbia @ The Fortune Sound Club
    December 7 – Seattle, Washington @ The Crocodile
    December 8 – Portland, Oregon @ Jade Room – 45 East
    December 10 – San Francisco, CA @ The Independent
    December 11 – Los Angeles, CA @ Masonic Lodge (Hollywood Forever)

    FOLLOW GIOLÌ & ASSIA:

    Facebook: facebook.com/gioliandassia
    Twitter: twitter.com/gioliandassia
    Instagram: instagram.com/gioliandassia
    Spotify: spoti.fi/32D4HqC

    Spencer Bristol Act is only part of the legacy of the deceased officer | New


    On December 30, 2019, Hendersonville’s senior patrol officer Spencer Bristol was struck by a car while crossing Interstate 65 to pursue a fleeing suspect. He died of his injuries that night, leaving behind his wife, Lauren, and daughter Eloise, who was 3 at the time.

    The suspect he was pursuing received only four years in prison, the maximum sentence.

    Next week, the Spencer Bristol law will become law, making punishment for causing the death of an officer while evading arrest a Class A felony, punishable by up to 60 years of jail.

    Previously, evading arrest was a Class A misdemeanor or a Class E felony if a suspect ran away in a motor vehicle. If the theft created a risk of death or injury to passers-by or law enforcement, it was a class D felony. Class E felony was punishable by at least 30 days in prison. Class D crime was punishable by at least 60 days.

    the bill, sponsored by Representative William Lamberth and Senator Ferrell Haile, was passed unanimously by the House and Senate this year.

    Lamberth initially tried to execute the bill in 2020, but due to COVID-19 bills with a cost were dropped, he said. the tax note of $ 38,263 is for longer incarceration times.

    “It really broke my heart for the family, for our community, for our state that we would lose a hero like that and the perpetrators of this crime would end up serving a little jail time – a few months,” he said. .

    Lamberth called Lauren Bristol to ask if it was okay if he named the bill after her husband.

    She wrote that it was difficult for her to support the bill at first. She wasn’t sure how she felt about the prison term.

    “My husband and the father of our child were gone and no punishment could bring him back,” she wrote in an email.

    Lauren Bristol wrote that after much prayer she came to the conclusion that a higher level crime was appropriate as actions such as drunk driving, reckless driving or evading arrest are choices that can lead to death.

    She wrote that it was a miracle that no one else was injured or killed on the night of her husband’s death.

    “I desperately wanted a different miracle from that night, but I’m really thankful that no one else was physically injured,” she wrote.

    Evading arrest appears to be a crime on the rise, particularly in Middle Tennessee, according to Cmdr Hendersonville Police. Scott Ryan.

    He said he thinks people have learned that law enforcement officers are busy and therefore cannot be caught if they run away.

    “It’s just kind of a risk that they’re willing to take,” he said.

    He said increasing the certainty of being caught and the severity of the sentence were two factors that may help crime rates drop.

    “We certainly hope this deters the getaway and escape aspect just because of the publicity it has received and knowing that there is a higher consequence,” Ryan said.

    Lamberth said he received questions early on about increasing sentences, in some cases from a misdemeanor or an E felony to an A or B felony, but he believed it was justified because of the crime.

    “People should just stop and go through the court system and let this system do its job to protect your rights,” Lamberth said.

    Law enforcement support

    Law enforcement officials have given “huge support” to the bill, Lamberth said.

    He added that he believes every community in the state supports their law enforcement. The bill was a way to show that Tennessee is really “back the blue.”

    “What I have heard from law enforcement officials is that they appreciate this bill because it reflects the enormous danger they run every day to ensure the safety of all of us.”

    Ryan shared a similar sentiment, saying it was a message about how seriously lawmakers take the dangers law enforcement officers face.

    “It’s really important to us, to the community and to his family. It’s just a huge sign of support for what we’re doing in law enforcement, ”he said.

    Dan Bristol, Spencer’s father, has said his son will be all for what the law has done.

    “I think he would be happy to see him because he has definitely obeyed the law, and he certainly wouldn’t want his fellow officers to be in danger when someone runs away from them,” he said.

    Lauren Bristol explained that the law meant several things to her personally, with the hope that it would deter breakouts.

    “It means justice for future families who may have to bear the burden of life-changing loss or injury. It is the recognition of the first responders who are running towards danger. It is a reminder of the strength of spirit embodied by my husband when he took his last breath. It means peace in the knowledge that another family will never sit in a room to hear the details of the death of a family member, immediately followed by the words “two to four years”. It is a legacy for our daughter that while very bad things can happen, they can also make changes – that there is always room to do better, to be better.

    Community obligations

    Dan and Lauren Bristol spoke about how Spencer’s death brought the community together.

    Lauren Bristol said she couldn’t begin to describe the support the community has given to her and Eloise.

    “How lucky are we to live in a community that weeps together, that mobilizes around those who suffer, who support each other? she wrote.

    The HPD agents who worked with Spencer Bristol have become like family to his wife and daughter.

    “They were substitute father figures for Eloise, they mowed my garden, they lost sleep to help me and Eloise. What used to be friendships has become an almost unbreakable bond, ”she wrote.

    Dan Bristol said since his son’s death he has seen Sumner County first responders and law enforcement officers working more closely than ever before.

    “It’s absolutely a reality,” Ryan said.

    “When something like that hits… you see how large the family of first responders is because everyone wants to be there to help their brother and sister get through this, keep the fight going and keep going. service, ”he said.

    Ryan said he received phone calls from agencies across the country offering his help and condolences.

    “It gives you the support you need to overcome grief and continue to serve, because Spencer finally gave his life in service, and that’s what he would want from all of us,” he said.

    Dan Bristol also said the Tunnels to Towers organization paid off his son’s mortgage after his death. Dan Bristol has pledged to bring together 100,000 new members for the organization, which supports injured and fallen service members and first responders, including paying down mortgages on homes. On October 9, Spencer Bristol’s birthday, Tunnels to Towers is hosting a 5K in Hendersonville to raise money for the organization.

    The legacy of Spencer Bristol

    The Spencer Bristol Act is far from the only impact the officer has had and continues to have in Hendersonville.

    Ryan described Bristol, who worked at HPD for four years, as having a servant’s heart.

    “Every aspect of his life seemed to be centered on service to others, whether it was service to his country or service to the community or service to his family and friends,” he said.

    Dan Bristol said his son lived opposite Jim Lawson, an HPD officer who died of COVID-19 in April 2020. Spencer Bristol was fascinated by the police, but he actually wanted to be a Navy SEAL.

    He served in the Navy from 2007 to 2012 and was deployed to Afghanistan.

    Upon his return to Hendersonville, he joined the police department, where he was able to help people, which he loved to do.

    Spencer Bristol brought his training as a combat medic to Hendersonville and taught HPD officers combat triage, his father said. Now training is a class for all officers.

    “Since it happened, they have already saved several lives using this,” he said.

    Dan Bristol said his son has never met a foreigner and people are looking to him.

    “If you watch the funeral procession, you just saw literally hundreds of people on the streets. He had people who came from all over the country with whom he served, whom he met in different places, ”he said.

    Even people who most people wouldn’t think much of have felt the impact of Spencer Bristol. A McDonald’s employee he saw at the drive-thru showed up for the funeral and a gas station worker told Lauren Bristol her husband would always make sure she felt safe when she was there. alone at night.

    Dan Bristol said that even as a child he worked with children with special needs in his karate classes and at Sunday school. Lauren Bristol shared that at her husband’s funeral, her classmates told her they were ‘outcasts’ but that he was kind to them, even when others weren’t.

    “This is exactly how I want our daughter to be,” wrote Lauren Bristol.

    Spencer Bristol also treated everyone with respect, even the suspects he arrested.

    “I was shocked at the number of people who approached me to offer their condolences and who had met Spencer during their arrest,” wrote Lauren Bristol. “I heard time and time again that he treated them with respect and seemed to care.”

    Dan Bristol said that after his son’s death, a man he arrested showed up in court and pleaded guilty even though there was no one to press charges.

    “The guy Spencer arrested for drug trafficking stood up and said he was going to plead guilty. He said Spencer had changed his life. He just treated him with respect,” Bristol said.

    Lauren Bristol said condolences from politicians, musicians and others across the country are an honor, but her husband’s stories of kindness really speak to the person he was and the person she was. wants his daughter to be.

    “Spencer was definitely a hero, but what I want people to remember the most is that he was kind and was a friend to almost everyone,” she wrote. .


    Fairport Harbor free music series is set


    FAIPORT HARBOR – Carlos Jones and the PLUS Band are set to headline the first concert in the 2021 Live @ The Lighthouse music festival series.

    Organizers of the Fairport Harbor Arts and Culture Alliance called the opening concert “reggae in the harbor.”

    Carlos Jones and the group PLUS will perform at 7:30 p.m. on Saturday, July 10 on the Main Stage, located at the Lighthouse Amphitheater behind the Fairport Harbor Marine Museum and Lighthouse, 301 Huntington Dr.

    The first parts of Akron’s Land of Panda begin at 3 p.m., followed by Columbus’s Quasi Kings at 5 p.m.

    Food trucks that will participate include the Wild Spork (100% plant-based vegan), Jackpot Chicken (wings and comfort food) and Kona Ice (flavored crushed ice). Beer and wine will be available for purchase.

    Three groups will perform in Jerry Garcia’s 79th Birthday celebration on Sunday August 1: Papa Bear at 2 p.m., Sunshine Daydream at 3:30 p.m. and Dupree’s Dead Band – Northeast Ohio Grateful Dead Tribute – will play two 6:30 a.m. sets at 10 afternoon

    The Fall Funky Jam will take place on Saturday, September 25. Pillars of Rome, Jul Big Green, Willie Phoenix and Broccoli Samurai are expected to play. It starts at 2 p.m.

    In a statement, Music Director Willie Tharp said the event went beyond a simple free performance, saying “These are not just concerts, they are basically one-day festivals.”

    The non-profit Fairport Harbor Arts and Culture Alliance aims to support the arts community in the village of Lake County.

    I am on cleveland.comlife and culture team and cover topics related to food, beer, wine and sport. If you want to see my stories, here is a directory on cleveland.com. Bill Wills from WTAM-1100 and I talk about food and drink usually at 8:20 am on Thursday mornings. And tune in at 7:05 am Wednesdays for “Beer with Bona and Much, Much More” with Munch Bishop on 1350-AM The Gambler. Twitter: @ mbona30.

    Hit the weekend and sign up for the Cleveland.com Weekly “At the CLE” email newsletter, your essential guide to the best things to do in Greater Cleveland. It’ll arrive in your inbox on Friday morning – an exclusive to-do list, focusing on the best of weekend fun. Restaurants, music, movies, the performing arts, family entertainment and more. Simply click here to subscribe. All cleveland.com newsletters are free.



    Face to face with COVID deniers in the ICU

    Tracking the superspreader impact of skeptics. Part 4 of a 5-part series.

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    The 48-year-old man struggles to stand up from his wheelchair. He labours to draw air and carries a portable oxygen bottle.

    The nurses treating him at a Montreal-area hospital call him a “success” because he survived COVID-19, but Dr. Paul Warshawsky, the director of adult critical care at the Jewish General Hospital, doesn’t quite see it that way.

    The patient stands out in Warshawsky’s memory, an embodiment of many of the challenges he and his medical team have faced during this pandemic.

    “Yes it’s a success because he’s not dead, Warshawsky said, “but he was a completely healthy 48-year-old with no medical problems whatsoever until he travelled and caught COVID. It’s a success, but it would have been a much bigger success had he never ended up in the hospital in the first place.”

    When he first arrived at the hospital, requiring admission to the intensive care unit, the 48-year-old didn’t believe in the virus. Now, after it has damaged his lungs and nearly killed him, he does.

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    Warshawsky oversees the hospital’s COVID-19 patients who need to be intubated or require other intensive care. He spends much of his day surrounded by whirring ventilators and IV pumps, donning and doffing personal protective equipment before seeing patients stricken with the virus.

    He and his staff are tired. For more than a year, COVID-19 has pushed them to the limits of their endurance. To their frustration, patients like the 48-year-old — COVID-19 skeptics who end up with severe symptoms — arrive at the hospital more often than they would like.

    “We’ve certainly had people who admitted to us that they didn’t believe in this and they didn’t think that the precautions were merited,” Warshawksy said.

    To the staff in Montreal’s intensive care units, the virus is only too real, and when thousands march in the streets claiming that the pandemic is an elaborate hoax and that vaccinations are more dangerous than COVID-19, the sight fills them with dread.

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    “How can you call tens of thousands of deaths in Quebec a conspiracy?” Warshawsky asked. “These people are really dead. I’m sure. I’ve seen them. They are absolutely and truly and incontrovertibly dead. We didn’t make them up. We’re not lying about the numbers. They all really died.”

    The patients are often victims of a crisis of disinformation. They believed conspiracy theories that say the virus is less deadly than the flu, or that it doesn’t exist at all.

    Over the past year, COVID-19 deniers have sparked high-profile superspreader events. The most recent, and perhaps most notorious of them all, is the case of Quebec City’s Méga Fitness Gym 24H.

    Before COVID-19 spread at his gym, Dan Marino, the owner, petitioned the government to allow fitness facilities to reopen. But more than that, he belittled the danger the virus could cause and supported the “complotiste” movement in Quebec actively opposed to public health directives. During the months that Quebec City remained in the red zone, with gyms among the businesses shuttered temporarily, Marino threatened repeatedly to defy the government’s COVID-19 measures and reopen.

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    One of the most recent superspreader events involved Méga Fitness Gym 24H in Quebec City. The gym’s defiance of public health measures in March led to more than 500 infections — and one patron, a 40-year-old man, died.
    One of the most recent superspreader events involved Méga Fitness Gym 24H in Quebec City. The gym’s defiance of public health measures in March led to more than 500 infections — and one patron, a 40-year-old man, died. Photo by Francis Vachon /The Canadian Press Images

    Conspiracy theories littered his Facebook feed, including a video by Dan Pilon, the influencer we looked at in Part 3 of this series, warning that the vaccines would contain microchips.

    Marino touted his views on one of Quebec City’s most popular radio stations: CHOI 98.1, otherwise known as Radio X. The station’s commentators have been at odds with the government and health authorities and they have hosted conspiracy theorists on their airwaves.

    “You’re opening on Monday, Dan, are you happy?” host Dominic Maurais asked Marino on March 4, just before the Méga Fitness gym reopened to the public. “I’m happy, but not satisfied,” Marino replied. “We’re in an orange zone but we should be in a normal zone.”

    Marino neglected mask-wearing and social distancing at his gym, according to clients and workers who spoke to Le Soleil. The virus quickly spread, infecting 68 people and prompting public health authorities to close the facility.

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    Officials have since estimated that more than 500 infections were linked to the outbreak and one patron, a 40-year-old man, died after contracting the virus.

    Cases soared in Quebec City in the weeks that followed and the community reaction to the outbreak at the Méga Fitness facility was swift. A cascade of social media comments lambasted Marino. Quebec City’s mayor, Régis Labeaume, hoisted sarcastic congratulations onto Marino for the mess: “Bravo champion.”

    That gym “reopened almost certainly in an unsafe manner,” Warshawsky said, “and how many people had to die as a result of that? The Quebec City ICUs were challenged to deal with the volume of patients and not an insignificant portion of them can be traced back to opening that gym. That’s what COVID deniers are doing.”

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    The Méga Fitness outbreak was one of the more flagrant examples of how conspiracy theorist ideologies can manifest real-world consequences, but on a smaller scale, false ideas about the virus can wreak havoc, lowering people’s guards and leaving them vulnerable to catching it.

    Take the case of Gwendoline Rodriguez who had a serious run-in with the virus this year. “I was one of the people who thought it was a bad cold,” she wrote online in J’ai eu la COVID-19, a Quebec Facebook group where people who caught the virus share their experiences.

    A week after she tested positive for COVID-19, she was in hospital — and a month later, she was still having headaches, body pain, chills and fatigue.

    “I have never been so sick in my life,” she wrote. “Having had it and having currently 60 per cent of my lungs affected, well, I have totally changed my mind.”

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    Her experience also shifted her perspective on the vaccine. “I say to myself that if (the vaccine) can help people not to have such bad symptoms, so much the better because it’s far from being fun,” she wrote.

    However, a contingent of Quebecers remains opposed to vaccines. Many of those people have consumed false information on vaccines, believing that the shot is somehow connected to 5G technology, that vaccine side-effects are more dangerous than COVID-19 or, in extreme cases, that the jab is part of some sort of globalist, satanist plot.

    Disinformation “is a huge factor in people hesitating or refusing vaccines and it has a lot to do with the internet and how algorithms function,” said Eve Dubé, a researcher in the scientific group on immunization of the Institut national de la santé publique du Québec (INSPQ). “People who tend to look at websites that share disinformation are receiving more information like that and are getting into echo chambers where everyone is opposed to vaccines and then are exposed to more disinformation.”

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    On Jan. 10 of this year, Gisèle Beaudoin, a 70-year-old country music singer from Drummondville, posted a meme on Facebook. “The reality on the vaccine,” the post read.

    The “reality,” as touted by the meme, was misleading and false. A Lebanese naturopath — who was neither a doctor nor a medical expert — posted the image and it subsequently spread online, eventually ending up on Beaudoin’s wall.

    “Does the vaccine protect against the virus?” the post asks. “No.” It goes on to ask more questions about the virus and provides misleading or outright false answers to each question. “So,” the post concludes, “what is it good for?”

    Gisèle Beaudoin, a country music singer from Drummondville, died after getting sick with COVID-19. Her sister had a message for her Facebook followers: “She asked me to tell you to make sure you all get vaccinated because she did not believe.” Photo courtesy giselebeaudoin.com.
    Gisèle Beaudoin, a country music singer from Drummondville, died after getting sick with COVID-19. Her sister had a message for her Facebook followers: “She asked me to tell you to make sure you all get vaccinated because she did not believe.” Photo courtesy giselebeaudoin.com.

    Many of Beaudoin’s friends commented their agreement on the post. “The vaccine is used to depopulate a large number of the people on Earth,” one friend wrote, “and you don’t have to look too long to find the answer if you don’t always listen to the media crap!”

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    Five months later, Beaudoin’s sister, Monic, informed her Facebook followers that Gisèle had COVID and was battling for her life.

    “My sister Gisèle is fighting against COVID-19,” she wrote. “She asked me to tell you to make sure you all get vaccinated because she did not believe. Like some of you, she was a complotiste and anti-masker.”

    Gisèle lost her battle with COVID-19 on May 1, the same day thousands marched in Montreal’s streets against the health measures.

    Her sister later told LCN that Gisèle’s belief — or, rather, her lack of belief in the virus — had driven a wedge between them.

    “There was nothing to do,” she told the network. “She was constantly feeding off videos on the internet. She would send them to us. I kind of stopped engaging with her about three months ago. I was no longer able to be immersed in the negativity and the nonsense.”

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    The lure of internet conspiracy theories has strained relationships across the province. Concerned family members are watching loved ones spending more time online, falling deeper into rabbit holes and, sometimes, withdrawing from reality. These beliefs tear families apart and are the source of great pain and anguish.

    Mike Kropveld has seen people of every stripe, social strata and education level become wrapped up in conspiracy theories. Kropveld is the founder and executive director of Info-Cult, an organization that offers support to those who have fallen into cultic phenomenon and to their loved ones.

    Most of the calls Info-Cult has received since the start of the pandemic involved “complotistes.”

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    “People are mentioning that their loved one is spending hours in front of their computer screen,” Kropveld said. “We’re dealing with family crises and problems. The people who are calling us are, for example, husbands calling about their wives and the difficulty of living together, wives about their husbands. In some cases, this has led to breakups because communication has gotten so extreme and difficult.”

    Isolation, so prevalent during the pandemic, has aggravated the problem.

    “Right now we have people who are entirely alone,” said Margaux Bennardi, support and community engagement co-ordinator at the Centre for the Prevention of Radicalization Leading to Violence, a Montreal-based institution. “Maybe they lost their job and the only thing they have to do is to go on the internet.”

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    In rare cases, people who have become engrossed in their beliefs can turn to violence.

    1. INFODEMIC: Inside the disinformation movement warping reality in Quebec

    2. “COVID arrived,” Dan Pilon said, “and I saw right away that something wasn't working.” He helped organize a march on May 1 against government health measures.

      Under the influence of conspiracies, a star is born

    In February, border agents intercepted a package containing a silencer. It was addressed to Karl Maheux, a 47-year-old living in a Quebec City suburb. At his home, RCMP found firearms and enough homemade explosives to spur them to evacuate neighbours for fear of an explosion, they said in a press release.

    Investigators believe Maheux planned to act against the health measures using his arsenal, according to the Journal de Québec. He is to appear in court later this month, charged with possession of prohibited devices and careless storage of a firearm.

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    “It’s okay to say ‘I don’t agree with the vaccine, I think it’s just a way of making money.’ That’s an opinion,” Bennardi said. “But you have another (person) who might be saying the same thing but at the end they’re ready to take actions — and their actions can be to protect, but their actions can also be to act violently.”

    There is a link between beliefs in conspiracy theories and mental health. In a May 2020 study, Ecuadorian researchers found that distressed and anxious health-care workers were more likely to believe conspiracy theories. People who lack control over a situation — be it the stock market or the path of a pandemic — are also more likely to see patterns that aren’t there and engage in superstitious thinking, according to another study conducted by researchers from the University of Texas and Northwestern University.

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    Ian Vaive, a 31-year-old human resources professional, has seen those effects first-hand. Before the pandemic, Vaive watched as a good friend of his became totally absorbed in conspiracy theories. “I was trying to get him to understand that his beliefs didn’t make sense,” Vaive said, “and, unfortunately, that was the last thing I said to him.” His friend died by suicide shortly afterward.

    Motivated by that event, Vaive decided to found Cons’Aide, a Quebec group that helps people living with those prone to conspiracy beliefs find resources and a space where they can share their experiences.

    “Conspiracy theories were there well before the pandemic,” Vaive said. “It’s not something new. They will be there for a long time afterward. I think conspiracy theories and disinformation are something that we will have to learn to live with.”

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    The group typically receives five to 10 messages per week from people asking for help. But they have also been attacked by conspiracy theorists who accuse them of being in the pocket of the government — or Bill Gates.

    “People are mentioning that their loved one is spending hours in front of their computer screen,” said Mike Kropveld, founder and executive director of Info-Cult. Most of the calls Info-Cult has received since the start of the pandemic involved “complotistes.”
    “People are mentioning that their loved one is spending hours in front of their computer screen,” said Mike Kropveld, founder and executive director of Info-Cult. Most of the calls Info-Cult has received since the start of the pandemic involved “complotistes.” Photo by Allen McInnis /Montreal Gazette

    The scale of the disinformation and misinformation problem is such that it presents an obstacle to public health authorities.

    “Belief in COVID-related conspiracy theories predicts resistance to both preventive behaviours and future vaccination for the virus,” University of Pennsylvania researchers wrote in an October paper, one of many published over the past year that has concluded that people who consume disinformation or believe conspiracy theories are less likely to social distance or take other precautions to prevent COVID-19 from spreading.

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    This happens because people who believe disinformation and spread it are more likely to be distrustful of the government and other authority figures, said Dubé, the INSPQ researcher.

    “That’s really difficult in terms of public health to tackle by mass communication campaigns because these people don’t look to public health for information,” she added.

    Though no studies state with precision how much disinformation may have contributed to the spread of the virus, Warshawsky, the intensive care doctor, is sure it has.

    It takes only one person who catches the virus, disregards its danger and sparks an outbreak for tens or even hundreds of people to become infected down the line. Some of those people end up in Warshawsky’s care, where tired health-care workers who know too well that the virus is real and deadly will have to tend to them.

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    “Somewhere down the line one of those people died,” Warshawsky said. The person who disregarded the virus “killed somebody. They’ll never know it, but they did.”

    “I assume that what goes on in people’s minds is that the truth is just so painful that you’ll just find any explanation other than the truth,” he added. “The obvious truth is there’s a terrible virus out there that can kill you.”

    But how does it feel to treat those who caught the virus but continue to deny its existence?

    “You can’t feel anger,” Warshawsky said. “They didn’t deliberately go out and get sick. I just wish that they would have listened to the messages before and avoided needing my care.”

    In Warshawsky’s intensive care unit, these two worlds collide. Here, amid oxygen tanks and bustling nurses, doctors and respiratory therapists, COVID-19 is an everyday reality. Here, sick patients stricken with a virus they didn’t believe in end up needing care from experts who have spent the past year grappling with it. If they survive, it will be thanks to science they didn’t trust, and lessons learned treating patients who didn’t make it.

    We apologize, but this video has failed to load.

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    Rock ‘n’ Rides underway at Royal Oak as events resume


    The Governor was still on stage talking that May afternoon when the wheels started to spin in Jon Witz’s head.

    Amid ongoing pandemic restrictions in Michigan, the veteran Michigan festival promoter had postponed Rock ‘n’ Rides, his carnival and music event in Royal Oak, to a date in September. But now Gretchen Whitmer was unveiling plans to reopen the state. Could Witz actually organize Rock ‘n’ Rides in June as originally planned?

    Whitmer’s announcement sparked a wave of phone calls between the developer and officials at Royal Oak, who ultimately gave their blessing. This is followed by meetings with sponsors, vendors and non-profit partners. One by one, the pieces fell into place.

    And here we are: Rock ‘n’ Rides will arrive in downtown Royal Oak on Thursday to kick off four days of family attractions – including 18 carnival rides – food trucks and a block party featuring local bands and DJ on two stages.

    What might have been just another event on a summer calendar takes on added significance in 2021: Rock ‘n’ Rides is the largest entertainment event staged in the Detroit subway since COVID-19 disrupted large gatherings 15 months ago.

    For Witz and his team, getting here was a crazy three-week race to put on a festival that typically involved months of planning. Witz, who started Arts, Beats & Eats in 1998 and led Detroit’s Super Bowl outdoor activities in 2006, described the effort as organized chaos.

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    “We’re just ‘leaving’ right now,” he said. “It’s really intense. It’s the fastest, craziest pace of work I’ve done since Super Bowl days.

    While outdoor events are officially back to 100% capacity, the reality of COVID-19 is not lost in the debates: unvaccinated guests will be encouraged to wear masks and socially distance themselves, food and drink servers also being masked. The festival has also adopted disinfection protocols for the rides and other areas of the site.

    Additionally, a vaccination clinic will be hosted by Henry Ford Health System from 10 a.m. to 4:30 p.m. Thursday just outside the festival grounds. Those who get vaccinated there will receive free entry to Rock ‘n’ Rides (valued at $ 5) and a wristband valid for one day of free rides (valued up to $ 28).

    The festival’s vaccination initiative was led by Dave Woodward, chairman of the Oakland County Commissioners Council, who said such events will be crucial as Oakland County aims to achieve a 70% vaccination rate. . The county sits at around 66%, with another 60,000 people needed to reach the goal, he said.

    “Rock ‘n’ Rides is a demonstration that we are going through this, but we still have to be vigilant,” said Woodward. “We want more of these fun events. We want to get back to normal, and the best way to do that is to get everyone vaccinated. “

    For the bands and other musicians involved in the festival, this weekend is a highly anticipated step: a chance to do their thing again in a large audience. Fifteen artists are scheduled on the Rock ‘n’ Rides music scene – including headlining sets from Raising the Dead (Friday), the Reefermen (Saturday) and Cast Iron Cornbread (Sunday), with electronic musicians performing on a DJ scene sponsored by the Michigan Cannabis Channel. Dank’s house.

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    Both stages will close a block party Friday through Sunday on Fifth Street in Royal Oak.

    Many artists have found ways to continue playing music over the past year, including online shows, bar dates, and private events. But for bands like Detroit Trouble, the kind of platform Rock ‘n’ Rides offers is a welcome return to normal.

    The group, specializing in heavy rock tinged with blues, takes the opportunity to finally publicly launch its new singer, Austin Moore. Detroit Trouble will perform at 2 p.m. on Sunday with its full stage presentation – a Motor City-themed ensemble filled with car parts, mic stands made from automotive gear, and working fireplaces.

    “As a veteran band in the local scene, we’re trying to take it a step further,” guitarist Ray (Kid Lightnin ‘) Kaan said. “An event like this allows you to gain a new fan base. It’s perfect for showing off what we’re doing.

    Detroit Trouble rock group (left to right): Rodney Bies, Austin Moore, Ray (Kid Lightnin ') Kaan, Kyle Mikolajczyk

    Rock ‘n’ Rides was born in 2019 from a logistical dilemma: River Days, the long-running Detroit Riverfront Conservancy festival produced by Witz, moved to downtown West Riverfront Park. The new site wouldn’t be conducive to River Days’ array of carnival attractions, which is why the Royal Oak fest was created to host the rides this weekend.

    With only three months to prepare, Witz thought he had a real stampede on his hands.

    “Which I would do for another three months,” he said this week with a laugh.

    Still, like everyone in the events world, he’s just happy to have things in motion again. And he feels that the public’s appetite is there too.

    Witz cites the big response to the festival’s community day on Thursday, which is partnering with several youth associations to provide free admission, rides and lunch to 1,500 children and their families. In the two weeks since Rock ‘n’ Ride was announced, over 800 families have signed up.

    “That kind of short-notice response was really cool,” he said. “A lot of people do a lot of things quickly. The spirit is just fantastic, and they’re pumped up. People are hungry to get over it.

    Contact Detroit Free Press Music Editor Brian McCollum: 313-223-4450 or [email protected]

    Lapeer Frame 42 rock group

    Rock ‘n’ Rides

    Thursday Friday

    Royal Oak Town Center

    $ 5 entry per day. (Friday, free until 5 p.m.)

    Carnival bracelets all day $ 15 Thursday, $ 28 Thursday through Sunday. ($ 1 from each bracelet sale will go to the Open Handed Pantry and the Forgotten Harvest.)

    Rock ‘n’ Rides musical stage

    Friday

    5 p.m .: Church Mice (Alt Rock / Radio Rock)

    7 p.m .: Raye Williams (Pop Rock / Soul)

    9 p.m .: Raising the Dead (Grateful Dead Tribute)

    Saturday

    11:30 am: Acoustic Ash (singer / songwriter)

    1 p.m .: Jibs Brown & The Jambros (Bluesy Rock)

    3 p.m .: IS Evolution (Rock)

    5 p.m .: Mac Saturn (Rock ‘n’ Roll)

    7 p.m .: Damon Terrell (Funk Rock / Latin Jazz)

    9 p.m .: Les Reefermen (Rock)

    Sunday

    11:30 am: Lilly MacPhee (singer / songwriter)

    12:45 p.m .: Wiltsie’s songwriters (singer / songwriter)

    2 p.m .: Detroit Trouble (Blues Rock)

    4 p.m .: Frame 42 (Rock / Classic Rock)

    6 p.m .: Corktown Popes (Caledonian Rock & Soul)

    8 p.m .: Cast iron corn bread (Rock)

    King Saadi will perform on the stage at DJ Rock 'n' Rides House of Dank on Saturday.

    DJ Rock ‘n’ Rides House of Dank Stage

    Friday

    4 p.m. Zen Zero of the 5th Dimension

    6 p.m. VSRL 5th Dimension

    8 p.m. Movement Festival presents MASTERIA

    10 p.m. Movement Festival presents Wave Point

    Saturday

    2 p.m. Zen Zero of the 5th Dimension

    4 p.m. DJ Dav of City Air Detroit

    6 p.m. VSRL 5th Dimension

    8 p.m. Movement Festival presents Botez

    10 p.m. Movement Festival presents King Saaidii

    Sunday

    3 p.m. VSRL of the 5th Dimension

    5 p.m. Zen Zero of the 5th Dimension

    7 p.m. VSRL of the 5th Dimension

    9 p.m. DJ SKYrise


    Serbian authorities give green light to summer music festivals


    United Festivals of Serbia said it had received approval to host festivals this summer from the Serbian government’s crisis response team.

    A press release said the public will need to provide proof of vaccination, a negative PCR test, or proof that they have antibodies after recovering from COVID. He said Safe Events Serbia’s security protocol is based on what the countries of Europe have done.

    Arsenal and EXIT festivals have been granted clearance for their events in June and July and Lovefest, Beer Fest and Nisville are expected to get clearance for their events in August.

    United Festivals of Serbia said it has launched a campaign with the support of the government, health ministry and municipal authorities in Belgrade and Novi Sad calling on young people to get vaccinated. The press release also said that 64% of people who bought tickets to festival events had been vaccinated and 8% had antibodies.

    He said that the 20e The anniversary of the EXIT festival would be marked from June 8 to 11 on the Petrovaradin fortress in Novi Sad adding that a number of artists have confirmed their arrival including David Guetta, DJ Snake, Sabaton, Nina Kraviz, Paul Kalkbrenner, Tyga , Solomun, Amelie Lens, Maceo Plex, Denis Sulta, DJ Topic, Robin Schulz, Asaf Avidan, Satori, Boris Brejcha, Honey Dijon, Hot Since 82, Meduza, Paul van Dyk, Artbat, Sheck Wes, Laibach and others.

    (Politika, 06.16.2021)

    http://www.politika.rs/sr/clanak/481391/Krizni-stab-dao-saglasnost-za-odrzavanje-Arsenal-festa-i-Egzita

    This article is also available in: Italiano


    Retrospective for June 17: Parking meters on River Street will be covered in bags for trial period


    Parking meters on River Street will be covered in bags for a 90-day trial period, the only app being a complaint, Manistee city council ruled last night. Following a previous recommendation made to them by the city’s parking authority, council decided to implement the idea “as soon as arrangements can be made”. Galloway Bakery building. The offer was submitted by David Carlson, Bill Moore, Art Southeron, Tom Stege and Dennis TerHorst who plan to hold the deed of the lot in trust until a buyer can be found who is willing to build on the land plot.


    60 YEARS AGO

    Asian studies

    Robina Quale, assistant professor of history at Albion College, received a grant from the Carnegie Corporation of $ 6,000 which will allow her to spend the 1961-62 academic year on leave from Albion as one of the three Asian studies interns at the University of Michigan. . Quale is the daughter of Mr. and Mrs. LA Quale, from Onekama.

    80 YEARS AGO

    Mountaineers for the festival

    The committee responsible for the preparations for the logging banquet on July 5, the last day of the forest festival, today announced that the Ford Mountaineers, artists sponsored by the Ford Motor Company, have been selected to come here for the event. . The group of musicians is widely known in this part of the country as a first-rate organization.

    Library hours

    Starting its summer schedule tonight, the Manistee Public Library will be open during the summer from 11:30 a.m. to 8 p.m. daily, except Sundays and Mondays, according to Librarian Angie Messer.

    Compiled by Mark Fedder at the Manistee County Historical Museum


    “No other alternative but to take legal action against defaulting debtors”

    In an exclusive interview with the Dhaka Tribune‘s Mehedi Hasan, Managing Director of Southeast Bank Limited Ms. Kamal Hossain discusses the bank’s vision and challenges for the country’s banking sector in the near future.

    Kamal started his banking career as a probationary officer with National Bank Limited in 1983. He joined South East Bank in 2003, as vice president, and became an additional managing director.

    Later, he held the position of Acting Managing Director of the bank from March 2017. He obtained his bachelor’s and master’s degree in public administration from Chittagong University.

    Banque du Sud-Est has performed exceptionally well, particularly in terms of operating profits over the past year. What is your secret to this success?

    Last year, we maintained a balanced loan and deposit portfolio, which contributed to our profitability. In addition, the extensive effort to collect classified and written off loans also played an important role.

    Another important factor has been securing new deposits and reliable credit customers. All of these factors enabled us to achieve an operating profit of over Tk 1,000 crore for the first time ever.

    What are your ambitions for 2019?

    As one of the largest banks in Bangladesh, our main goal in 2019 is to maintain a balanced deposit and loan portfolio; and achieve sustainable growth.

    At present, South East Bank has total loans of Tk 26,500 crore and deposits of Tk 30,200 crore. Nurture this vast portfolio and focus on the collection of bad debts [non-performing loans] will certainly ensure sustainable growth. We will try to avoid additional NPLs and intensify the campaign to recover existing NPLs.

    Moreover, as a reputable bank, we will definitely try to attract new deposits and lend money to reliable customers.

    What challenges is the banking sector currently facing?

    As we all know, the banking sector has been facing a liquidity crisis since the end of 2018. Moreover, the forex market has also been volatile. Overall, NPLs increased by a substantial margin. Due to the aforementioned factors, banks will find it difficult to replicate 2017 operating results.

    NPL peaked at nearly Tk 100,000 crore in 2018. How can the industry curb the growth of NPLs and get the money back?

    We must realize that the current level of NPLs did not reach this alarming figure overnight. On the contrary, it has accumulated over the years. Since in most cases defaulters remain beyond our reach, we have no choice but to take legal action against the credit defaulters.

    To this end, various law enforcement agencies must strongly assist banks to collect bad debts. We need to build a culture where good borrowers are rewarded and defaulters are punished, thus creating an environment where borrowers will be forced to repay their loans to maintain their social and family status.

    However, defaulters who are unable to repay the loans, for valid reasons, should be given the opportunity to adjust their liability through rescheduling, restructuring or other out-of-court settlements. .

    What are the difficulties in finding a reliable borrower?

    In today’s competitive market, the main challenge in finding a reliable borrower is the pricing of loans. There is unhealthy competition among banks to grab the business of good borrowers by offering concessional packages such as lower interest rates, margin commissions, or reduced other fees.

    How to increase cash flow to the banking sector?

    To increase cash flow to the banking sector, the flow of foreign remittances through the appropriate banking channels must be ensured. The government’s current initiative to encourage foreign remittances is commendable. If we can guarantee privileged benefits to expatriates who earn remittances, the flow of remittances to Bangladesh will be further boosted.

    In addition, we need to export skilled labor abroad in order to generate a significant flow of remittances. In addition, our search for new unexplored markets must continue to increase exports. The financial inclusion of the masses across the country will also help channel funds currently flowing outside of banking support.

    What are the challenges in reducing single digit loan interest rates?

    The main challenges in bringing the interest rate to single digits are: obtaining new deposits at lower rates, eg 6% per annum; the existing high cost deposit with a medium to long term maturity; the current rate of cash vouchers; and the cost associated with supporting a huge volume of NPL.

    Another important factor regarding the cost of deposits is that different government organizations hold a significant share of institutional deposits. When offering these deposits, the interest rates of different banks are taken as auctions and then the deposits are offered at the highest interest rate. This practice should be avoided by offering government agencies a fixed deposit rate. This will reduce the overall cost of deposits and allow banks to offer loans at single digit interest rates.

    Do you think Bangladesh needs more banks given the size of our economy?

    Existing banks are already facing fierce competition in the current socio-economic context. At present, the arrival of new banks will put more pressure on the banking sector as the unhealthy competition between banks intensifies.

    However, much of our rural areas do not yet have banking facilities. Therefore, existing banks need to expand into unexplored rural and semi-urban areas and extend their banking services to the unbanked population of Bangladesh.

    NHS Launches Instant Digital Season Passes

    Check if you need a PPC

    Before getting a prepayment certificate, always check to see if you qualify for an exemption and if you can avoid paying a prescription in full. You can get free prescriptions if you are under 16 or over 60, in full-time education, and between 16 and 18, if you are pregnant or have had a baby during of the past 12 months, if you are an NHS hospital patient, you or your partner is receiving income support and for a number of other reasons – see a list of exemptions.

    Also consider that if you are prescribed common medications such as pain relievers or skin creams which are also available over the counter, it is often cheaper to buy them this way than to spend £ 8.80 on a prescription.

    How will the digital certificate work?

    If you have to pay for prescriptions, you can get PPC instantly on the NHS Business Services Authority (NHSBSA) website. You need your name, date of birth, address and ideally your NHS number.

    You can pay by credit or debit card, or in 10 monthly installments for the annual subscription. Once you have paid, the certificate is emailed to you and you can show it in pharmacies on your phone or tablet, or print it out.

    You can buy a PPC and use it right away at a pharmacy.

    Before the digital version, you had to prepay for your prescription and then request a refund, but only if you received an NHS FP57 refund receipt when you paid. If you didn’t have one, you couldn’t go back and get one later.

    You can always backdate your digital certificate up to one month online, but to claim prescriptions that you have already purchased you will need an FP57 receipt from the pharmacist – see the NHS website for more information.

    Loris Karius on loan at Liverpool has hit rock bottom on loan from Union Berlin amid exit reports

    Loris Karius has been on an emotional roller coaster since the 2018 Champions League final.

    While it is undeniable that the German’s performance in the 3-1 loss to Real Madrid was appalling, his decline at Liverpool was even more shocking than some fans will remember.

    Also, it’s a mistake to claim that Karius had a bad 2017/18 campaign anyway and most would agree that he was a marked improvement over the still inconsistent Simon Mignolet.

    Karius’ decline in Liverpool

    After all, manager Jurgen Klopp has been a fan since day one, calling the former Mainz shooter “remarkable” after making his Liverpool League Cup debut, according to the objective.

    But that inexplicable throw in Karim Benzema’s path and buttery fingers for Gareth Bale’s long shot seemed to wrench the confidence of Karius, who burst into tears, in an instant.

    Karius is still on the books at Anfield, but hasn’t played a competitive game for the club since Kiev and looked terribly shaky during his preseason outings later that summer.

    Loans away from Liverpool

    Since then, the 27-year-old has spent two seasons on loan at Besiktas with mixed results, but was even optimistic at one point that he would play for the Reds again.

    Sadly, however, any likelihood of that happening seemed wiped out over the summer when Karius was loaned out again, returning to Germany after four years with Union Berlin.

    Now, for many fans, this is where the track cools off as to say that little has been said about Karius’ return to the Bundesliga would be an understatement – and there’s a reason for that.

    p1errevfll10pu13t9nrf1ubn1s93p.jpg

    Karius at Union Berlin

    It does not give us any pleasure to say that Karius’ career appears to have bottomed out in Germany with reports going so far as to claim that the goalkeeper could be sacked at Anfield.

    In fact, Karius has only made one appearance for Union Berlin so far this season, playing second fiddle to Andreas Luthe and being forced to watch from the bench for 12 games.

    And the only start to Karius’ 2020/21 campaign wasn’t exactly impressive with the Liverpool lender scoring three goals as Union Berlin collapsed from DFB-Pokal against second tier Paderborn.

    p1erreu5hlg5e14op1jv16fj1tr1n.jpg

    Not to mention the German publication Kicker, by the Daily Mail, reported that Karius’ loan could be cut short around Christmas.

    Liverpool exit inevitable

    Not much has happened on that front so far, but with 18 months left on his contract at Liverpool, you have to wonder if the Reds will seek a more permanent resolution when he returns.

    Also, it makes sense that Karius would be best equipped to dispel the demons of that night in Kiev by leaving Liverpool for good and have plenty of time to turn his career around at 27.

    p1erret9ao68u1th1gi61ovc1ncvl.jpg


    News Now – Sports News

    Waltham Forest Community Credit Union is the second in England to offer the instant issue ‘credEcard’

    Waltham Forest’s Community Credit Union (WFCCU) has become one of only two in England to offer instant loan service as an alternative to controversial and expensive payday lenders.

    The new credEcard allows the non-profit organization to issue its members with a disposable Visa debit card, which offers loans of up to £ 1,000 for new users.

    Before that, members received money in cash, check, or wire transfer, with many users waiting days for loans to clear by check because they don’t have a bank account.

    The service was launched as the Financial Conduct Authority takes over the regulation of the credit and debt management industry.

    He pledged to crack down on companies charging exorbitant fees and the risk of borrowers being forced into a cycle of debt, with a quarter of lenders to be forced out of business.

    Lenders have defended their practices, claiming loans are made responsibly, with many customers repaying them on time.

    WFCCU hopes to offer the service from pop-up stores across the borough by the end of the year.

    Walthamstow MP Stella Creasy praised the new, cheaper alternative to borrowing money.

    She said, “It’s great to see our credit union movement being so creative in trying to tackle the root causes of debt in our community.

    “Giving more people the ability to borrow affordably and being able to avoid legal loan sharks is key to helping them manage the strain on their finances given the high cost of living in London.

    “As sharks, we will continue to push for tougher legislation to combat these businesses nationwide and do all we can to help residents use the credit union locally as well.”

    The program is also only available at Riverside, Liverpool.

    Monthly interest on loans is between one and two per, but WFCCU chief executive Michelle Howlin said it can vary depending on individual circumstances.

    She added, “Now our members have never had ease of access before. The new virtual card allows us to put money in the hands of the people who need it immediately.

    “It helps us dissuade our members from using less ethical providers, like payday lenders and logbook lending companies.

    “This, coupled with the high levels of governance that oversee the credit union industry, makes the services we offer a far better proposition for our members than the ‘instant cash‘ market. ”

    The WFCCU is self-sufficient and receives its funding from savings deposits, interest on loans and a one-time membership fee of £ 5.

    In order to receive the prepaid card, an application must be completed at the WFCCU office at Church Hill Road, Walthamstow.

    Interiors: Instantly calmer | Daily Mail Online

    When the interiors stylist Anna Unwin renovated this old spiritual retreat, she wanted create space it was elegant and relaxing. The results? A beautifully uncluttered family house

    Sofas caravane.fr and an oversized rug of larusi.com frame the living room fireplace. The mirror globe pendant is by Tom Dixon

    The atmosphere in stylist Anna Unwin’s home is one of the old and the new. The Georgian House, a 22-bedroom former spiritual retreat, purchased in 2005 by Anna and her husband Willie, is in a Cambridgeshire village – the quiet antithesis of their former life in London’s bustling Primrose Hill. “We wanted our children to grow up in the country, says Anna, who has three young daughters and is the founder of the online antique and textile store AU Bespoke.

    The renovation took place in two phases: in the first ten years the 22 dilapidated, orange-tiled rooms were transformed into an elegant five-bedroom house (all with en-suite bathrooms) – with a pale pink kitchen tailored. New wooden windows and old French stone fireplaces were added, along with oak floors salvaged from the old MI5 offices on the London Strand and purchased by Anna. The recently completed second phase involved the conversion of a chapel into a family gym and reception areas into two offices and a guest annex. “The scale of the property meant that we had to take our time, says Anna.

    Everywhere, the calming backdrop of whites and earthy neutrals is combined with touches of brass, stone, remarkable finds and seasonal greenery from Anna’s Garden. That makes up for its evolving collection of antiques: think mid-century modern lighting, coveted marble dining tables, 1970s travertine coffee tables, and Danish chairs upholstered in sheepskin. All mixed with contemporary sofas, antique textiles and abstract monochrome works of art.

    “My style is naturally clean,” says Anna. “I’ve always been drawn to older pieces, reused for a modern lifestyle. “

    An elegant marble paneled bathtub from cphart.co.uk, overlooking the garden, creates a sanctuary atmosphere in Anna and Willie's bathroom.  The antique bust and mirror are both from Anna AU Bespoke's online store

    An elegant bathtub paneled in marble from cphart.fr, overlooking the garden, creates a sanctuary atmosphere in Anna and Willie’s bathroom. The antique bust and mirror are both from Anna AU Bespoke’s online store

    Throughout the home, textured natural finds are on display decoratively, including fossils, sage sticks and statement crystals from AU Bespoke

    Throughout the home, textured natural finds are decoratively displayed, including fossils, sage sticks and statement crystals from AU Bespoke

    The dining table was made using a vintage base and a bespoke large size marble top.  The old parquet creates a feeling of fluidity between the main dining room and the living spaces

    The dining table was made using a vintage base and a bespoke large size marble top. The old parquet creates a feeling of fluidity between the main dining room and the living spaces

    In the master bedroom, a casual sofa is perfectly paired with vintage linen textiles, a 1970s Italian marble coffee table and agate crystals, all from AU Bespoke

    In the master bedroom, a casual sofa is perfectly paired with vintage linen textiles, a 1970s Italian marble coffee table and agate crystals, all from AU Bespoke

    Have the look

    Channeling Anna is serene diagram with clean parts in a neutral palette

    Chair, £ 159.99, zarahome.com, Basket, £ 25, johnlewis.com, Pendant light, £ 142, pooky.com, Vase, £ 38, Finda.com, Vase, £ 59, amara.com, Carpet, 295 £, sohohome.com, coffee table, £ 787, amara.com, bowl, £ 120, selfridges.com, sofa, £ 4,795, makerandson.com, mirror, £ 119.95, victorianplumbing.co.uk, prints, £ 350 for two, oka.com, Cushion cover, £ 19.99, hm.com, Plant (no pot), £ 240, patchplants.com

    Chair, £ 159.99, zarahome.com, Basket, £ 25, johnlewis.com, Suspension, £ 142, pooky.com, Vase, £ 38, find.com, Vase, £ 59, amara.com, Carpet, £ 295, sohohome.com, Coffee table, £ 787, amara.com, Bowl, £ 120, selfridges.com, Sofa, £ 4,795, makerandson.com, Mirror, £ 119.95, victorian plumbing.co.uk, Prints, £ 350 for two, oka.com, Cushion cover, £ 19.99, hm.com, Plant (without pot), £ 240, patchplants.com

    TN to issue instant e-pass to facilitate travel within districts

    In major relief for people traveling between districts, Tamil Nadu Chief Minister Edapaddi K Palaniswami today announced that an instant e-pass will be issued to anyone requesting Aadhar information or a card ration with phone number.

    The travel restriction was aimed at curbing the spread of Covid-19. However, recently DMK leader MP Stalin and BJP Tamil Nadu chairman L Murugan urged the state government to get by with the need for an e-pass as it made travel between districts difficult, even if it was an emergency.

    The chief minister called on people to apply for an e-pass only if it is necessary to travel, a press release said.

    Meanwhile, Governor Banwarilal Purohit tested negative for Covid-19 today, according to a statement from Kauvery hospital. He had tested positive on August 2.

    In a related development, the state of health of famous playback singer SP Balasubramaniam, who was admitted to MGM Healthcare with symptoms of Covid-19 on August 5, has deteriorated since last night.

    He has been transferred to the intensive care unit and is on life support. He is currently under observation by the team of experts and his hemodynamic and clinical parameters are closely monitored, a hospital bulletin said.

    As of Friday, 5,890 more cases of coronavirus were reported to bring the total number of infections to 3,26,245. After the discharge of 5,556 covid-19 patients, the number of active cases was 53,716.

    The total number of samples tested on Friday was 70,153. Deaths from the virus increased by 117 to a total of 5,514. Chennai has recorded more than 1,000 infections (1,187); the number of cases discharged was 837; the number of deaths was 25 and the active cases were 11,209.

    The number of cases in other major districts includes Chengalpattu (437); Coimbatore (385); Cuddalore (221); Dindigou (138); Erode (128); Kancheepuram (315); Kanyakumari (128); Pudukottai (155); Ranipet (178); Salem (191); Theni (367); Thiruvalur (495); Thirunelveli (117); Trichy (106); Vellore (178) and Villupuram (127), said health bulletin.

    Chinese link established in loan application scams, 4 arrested

    Hyderabad: A month after Telangana police began cracking down on illegal instant loan applications following the suicide of five people, the investigation revealed a deeper Chinese connection to the scam. Police have detained at least four Chinese nationals for using illegal apps. After their arrest, the police are also investigating the role of some other Chinese nationals. In the latest incident, Cyberabad police arrested three people in connection with instant personal loan applications on January 22.

    Those arrested are Hemanth Kumar Jha, director of Flash Cash Pvt limited, Gurgaon, V Manjunath, director of human resources at Juss IT Technologies Pvt Ltd, Bangalore and Abdul Lauk, director / team leader at TGHY Trust Rock Pvt Ltd. investigations into the suicide of a certain G Chandra Mohan (38). He had taken out loans of Rs 70,000 from 11 different applications. “He repaid 2,000,000 rupees to these applications in installments. However, he was still harassed because he was failing. This led him to suicide, ”PV said. Padmaja, Deputy Police Commissioner (Balanagar), Cyberabad.

    Chandra Mohan, working in a supermarket, hanged herself on January 2 due to the alleged harassment.

    Police discovered during their investigations that the three companies offered small loans through various apps on the Google Play Store. They received reimbursements in the form of harassment and blackmail.

    Hemanth developed applications with the help of a certain Michael from China. He ran his office in Gurgaon to maintain the customer database.

    Police also investigated the role of a Bhutanese national, who lives in India. He is the director of a company associated with loan disbursement via applications.

    Surveys found that after giving loans to customers for seven days, companies used to divide customers into different categories. They would then collect the refund first by calling them. In the next step, they sent SMS, then WhatsApp messages and followed by emails. The last method was to call relatives of clients and defame them.

    “To recover the loan from the customers, they practiced different methods according to the contributions. In the case of higher contributions, the treatment was very harsh, threatening and abusive. They also accessed the contacts of relatives and friends of customers and sent them WhatsApp messages defaming the defaulters, ”the DCP said.

    The companies charged an interest rate of 35 percent per annum from customers who repaid the loan amount on time. They imposed huge penalties on defaulters. The harassment began shortly after the clients passed their due date.

    Police also discovered that these apps were linked to non-bank finance companies (NBFCs). Police said notices would be issued to all NBFCs. Police have also written to Google to remove the apps due to their criminal activities.

    The modus operandi in this case is no different from other cases deciphered by the police over the past month. More than 30 defendants, including four Chinese nationals, were arrested by police in Hyderabad, Cyberabad and Rachakonda, the three police stations that cover Greater Hyderabad.

    It was on December 4 that ES Yadav (23) from Narsapur in Medak district hanged himself. He was unable to endure the harassment of loan applications. He had taken out a loan of around Rs 6,000. K. Mounika (28), an agricultural extension worker, committed suicide by consuming poison on December 16. She had taken out several loans from various applications for an amount of Rs 2.5 lakh.

    Then on December 17, Sunil, a 29-year-old technician hanged himself here. He had taken out a loan of Rs 70,000 to 80,000 and was asked to return over Rs 2,000,000. When he could not repay, app representatives defamed him by sending messages to all his contacts.

    According to the Director General of Police, Mr. Mahender Reddy, 50 cases have been recorded in connection with instant loan applications. The first arrests were made on December 22 during police crackdowns in Hyderabad and Cyberabad against five call centers located here and in Gurgaon.

    Hyderabad police arrested 11 people while Cyberabad police caught six people in the multi-crore money loan racket.

    Police have claimed that thousands of people across India have been targeted via instant loan apps after the lockdown.

    “The call centers here employed 600 pagers and in Gufgaon there were almost 500 pagers. They offered services to 30 money lending applications. These money lending application companies were operating illegally without following RBI guidelines. They subjected people who borrowed money to harassment, forcing some of them to commit suicide, ”said Hyderabad Police Commissioner Anjani Kumar.

    The Chinese premier was arrested on December 25 in the racket. He has been identified as Yi Bai aka Dennis from Delhi. He managed at least 11 of these apps that offered small loans at extremely high interest rates. The main defendant is believed to be another Chinese national Zixia Zhang, who is believed to be currently in Singapore.

    Police believe that four companies run by the accused carried out transactions of 1.4 crore worth nearly 21,000 crore rupees. He was reportedly in contact with another Chinese national, Yuan Yuan alias Sissi alias Jennifer, who set up operations in India but is believed to be in China.

    Paytm Partners with Suryoday Small Finance Bank to Give MSMEs Instant Digital Loans | Odisha News | Latest Odisha News

    New Delhi: Paytm, India’s digital financial services platform, today announced its partnership with Suryoday Small Finance Bank to enable MSMEs to benefit from instant digital loans. The company advances the cause of financial inclusion by offering instant microloans to businesses that do not have access to the financial services of traditional banking players. The company, through this partnership, aims to provide loans to more than 1 lakh of small businesses over the next 12-18 months.

    This is Paytm’s first loan partnership with a small finance bank to help merchants seamlessly obtain loans.

    Paytm has made the entire process of obtaining loans completely digital and hassle-free so that merchants can transact with the bank and take out loans with a single tap on the phone. Merchants won’t have to go to the bank branch, as the entire journey from request to approval will be done on the Paytm app itself. The company said the subscription will be done according to a credit policy agreed by the bank within seconds and after approval the customer will be disbursed by Suryoday. The systems are designed for real-time approval and disbursement, ensuring a superior customer experience.

    Baskar Babu, Managing Director and CEO of Suryoday Small Finance Bank, said: “As a small corporate finance bank, we are focused on delivering products with great customer experience. They want. Our partnership with Paytm on the loan side is API-based, which will bring a secure, smart and connected digital experience. “

    Bhavesh Gupta, CEO of Paytm Lending, said: “We are pleased to welcome Suryoday Small Finance Bank as a partner to enable MSMEs to benefit from instant loans. Our partnership aims to democratize access to credit for small businesses, traders and promote financial inclusion. With our instant unsecured loans, we aim to give MSMEs enough liquidity to grow and grow. “

    The company said the entire loan application process is completely transparent. Merchants have to log into the Paytm for Business app, opt for the loan offer, and go through a very short and straightforward process from the bank. Once the process is completed, the loan amount is paid directly to their bank accounts.

    VA Home Loan: Buying a Home with a Non-Veteran

    VA joint home loan: non-eligible co-borrowers

    Special rules apply when co-borrowers who are not married take out a VA home loan together.

    Not all VA loan co-borrowers need to be VA eligible. However, only the portion of the loan of the eligible borrower is guaranteed by the VA.

    This means that a down payment will likely be required in co-borrower scenarios such as:

    • A veteran and one or more non-veterans (no spouse)
    • A veteran and one or more veterans (not his spouse) who will not use the right to the VA

    When you buy a house with a non-veteran spouse, which is not considered a joint loan, and you can still buy it without a down payment.

    Check your VA loan eligibility (September 22, 2021)

    How are the guarantee and the deposit determined?

    When VA-eligible and non-VA-eligible borrowers buy a home together, the lending rules are different.

    In these cases, the lender must pro-rate the amount of the “VA guarantee”. In other words, it limits the amount that can be purchased without a down payment.

    For example:

    • Two borrowers
    • Only one using VA right
    • Purchase price: $ 400,000
    • Veterinarian’s share: $ 200,000
    • Maximum guarantee = 25% of $ 200,000

    In scenarios like this, the lender providing the VA loan will often be require a deposit on the part not eligible for VA.

    For example: The non-VA borrower is responsible for $ 200,000. Thus, their down payment is equal to 25% of $ 200,000, for a total of $ 50,000.

    This down payment requirement for non-VA borrowers helps protect lenders.

    Since VA loans are guaranteed up to 25% by the Veterans Association, lenders expect the same level of protection even when someone not eligible for VA co-borrows.

    So, the 25% down payment required on that person’s portion of the loan.

    Qualify for the VA Qualifying Buyer

    To use your VA entitlement, you must certify that you intend to make the house your primary residence – you cannot simply use your entitlement to help a friend buy a house that you will not be living in.

    You should follow standard VA underwriting guidelines, which are fairly liberal. The VA states that “the veteran’s credit must be satisfactory and the veteran’s income must be sufficient to repay the portion of the loan attributable to the veteran’s interest in the property.”

    The VA does not have a minimum credit score, although many VA lenders have them – often between 620 and 640. The average FICO for approved VA home loans, according to Ellie Mae, is 707.

    The income of the non-VA borrower cannot be used to make up for insufficient income on your part.

    Your income should be enough to cover your share of the monthly mortgage payment, property taxes and insurance, as well as monthly payments on your accounts like car loans and credit cards.

    Lenders determine this either by applying a maximum debt-to-income ratio (DTI) of 41% or by using a residual income formula for the size and location of your household.

    Check your VA loan eligibility (September 22, 2021)

    Eligibility for ineligible purchaser

    Ineligible co-borrowers do not need to certify that they will be residing in the unit.

    For them, the subscription is slightly different. The non-eligible borrower credit must also be satisfactory. However, the combined income of the two borrowers may be taken into account in assessing their repayment capacity.

    In other words:

    • The strength of the income of the qualifying borrower can compensate for the low income of the ineligible borrower.
    • Income level of non-qualifying purchaser can not compensate for the low income of the veteran.

    Your lender must submit your request for pre-approval to the VA. Expect your full loan approval to take a little longer because of this, and build that into any offer you make.

    What are the VA mortgage rates today?

    Current mortgage rates depend on the type of VA home loan you choose, your strength as a borrower, and how aggressively you shop for your VA mortgage.

    Check your VA loan eligibility (September 22, 2021)

    Dwolla will lend you up to $ 500 instantly

    Update 04/2019: Dwolla has reached out to TNW to let us know that they are still getting a lot of visitors to this page looking for this particular service, which they unfortunately no longer offer. Just so you know.

    Dwolla has made a name for itself in the payments space by doing the exact opposite of everyone else. While PayPal charges a transaction fee and then applies a debit card fee, Dwolla has avoided the card altogether and any transaction under $ 10 is completely free.

    So how do you make this even more appealing to your users? According to CEO Ben Milne (check out our interview with Milne), you give them instant access to cash, anytime they have an internet connection. With this in mind, Dwolla Instant was born.

    Instant is a new feature from Dwolla that gives you instant access to cash. So instead of having to wait for the funds to arrive in your account, Dwolla will offer you up to $ 500 instantly, and all it costs is $ 3 per month.

    Milne says there’s a $ 5 late charge if you choose to let the borrowed money float past your statement date, but it’s more akin to a late charge on a rented movie than it does. ‘to a method of punishment by which Dwolla wants to earn money.

    “We don’t want to charge you the fees. Please just flip the film over.

    To activate Instant, you will need to log into your Dwolla account through the web page. I’m told, however, that the feature will be available on Android and iOS apps soon. Once you have deposited or sent money with Instant, you will see that you now have an Instant Balance section, managed separately from your normal Dwolla funds.

    You have two options with Instant – Pay it back immediately through a linked bank account or pay it back later. As long as you make the refund before the end of your statement date, there are no late fees. Miss the date and it will cost you $ 5. Please just flip the film over.

    While the feature is obviously more powerful for those who have Dwolla-accepting merchants around them, it is still handy even if you don’t. Suppose you are on the go and need quick access to cash, but you don’t have the funds in your account yet. Instant can act as a “payday loan, giving you the money you need for a short period of time, until you can afford to pay it off. This is especially handy, for example, if you need to share a check with a friend but have no money on hand in your Dwolla account.

    Dwolla is not without a company when it comes to m-payments, but the card-avoidance and middleman-vendor approach works well for the Iowa-based company. For comparison, Clover Pay (another rrecently published addition to space) largely performs the same function as Dwolla, but it has absolutely nothing to do with the Instant function. If you run out of funds in your Clover account, you’re just out of luck until you add to it, which can take days.

    Dwolla once again takes an idea, follows it, and completely changes the way it has happened in the past. It’s a powerful decision on the part of the company, and Milne expects many people to take advantage of it quickly. As such, you may see a queue for a short time, but Instant is now available so you can activate it and have a better option for immediate cash.

    ?? Dwolla

    Treasury and SBA sued over PPP loan eligibility guidelines

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    Email Jon Hill

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    Law360 provides free access to its coronavirus coverage to ensure that all members of the legal community have accurate information in this time of uncertainty and change. Use the form below to subscribe to one of our weekly newsletters. By subscribing to one of our section newsletters, you will participate in the weekly coronavirus briefing.

    Law360 (May 5, 2020, 7:55 p.m. EDT) – Three tech companies have filed a lawsuit in federal court in California to block recent regulatory guidelines that sought to distract large companies from the paycheck protection program, arguing that The guidelines go too far and threaten to undermine the program’s mission of keeping workers employed.

    In a complaint dated Monday, California-based Zumasys Inc. and two subsidiaries challenged the legality of the April orientation warning that public and private companies with other means of financing are likely not eligible for the PPP, which offers forgivable loans of up to $ 10 million each for small businesses struggling with the COVID pandemic 19.

    The guidelines were released by the Small Business Administration and the United States Department of the Treasury after reports from national restaurant chains and other publicly traded companies eligible for the program sparked a backlash, and they set a May 7 deadline for companies like these to repay their PPP loans or else. face possible government scrutiny.

    But Zumasys and its subsidiaries jBASE International Inc. and Total Computing Solutions LLC, all of which are private companies, told the court on Monday that the guidelines contradicted the law and the spirit of PPP by importing an eligibility standard to which Congress specifically waived for the coronavirus. emergency loans when authorized in the CARES Act.

    The result, according to the lawsuit, is somewhat of a bait for companies that have already applied to the program.

    “Employers who have acted on the basis of the CARES Act by securing funding and not putting their employees on leave or firing, in the hope that the loans would be canceled, now face the prospect of having to repay them. PPP funds with money they don’t have or now have to borrow, putting them in a worse financial position than if they had never applied for CARES law funds, ”said Zumasys and its affiliates .

    “The ‘guidelines’ are the opposite of what the law intended, which was to help businesses employ American workers and keep businesses afloat during this pandemic,” the trio added, naming the SBA, the Treasury and their respective leaders as accused.

    Although other SBA loan programs require that potential borrowers cannot obtain credit elsewhere before they can qualify, the CARES Act includes a provision stating that this requirement “shall not apply” to PPP loans.

    But the focus at the center of Monday’s complaint is supposed to “reimpose” that requirement by suggesting that companies may be ineligible for PPP loans if they can tap into “other sources of sufficient liquidity to support their ongoing operations. way that is not significantly detrimental to the business. “

    According to the lawsuit, not only does this violate the CARES Act, but it also poses a problem for companies like Zumasys, jBASE and TCS, which said they applied for and received a total of about $ 750,000 in PPP loans in April. despite their access to other sources of credit.

    All three companies said they pursued the program because they did not want to lay off employees, but they also did not want to go into debt with all the current economic uncertainty. Because PPP loans can be canceled if they are used to retain and pay workers, the program offered companies the only way “to access the cash needed to retain employees in a way that was not significantly damaging. to their business, that is to say without incurring debt, ”said the trio.

    Still, the companies said recent SBA guidelines threatened to overturn the case by subjecting them to a “credit elsewhere” requirement that should not affect their eligibility for the program under the CARES Act.

    “Contrary to the law, a consequence for applicants is that since some of the PPP funds have already been used to retain employees, and if they are now required to repay those funds as directed, they will have to go into debt, this which adversely affect their financial stability, ”the companies said.

    The trio, which has around 70 employees among them, are seeking a court order that would prevent the SBA and Treasury from implementing the guidelines, found in questions 31 and 37 of a PPP “Frequently Asked Questions” list kept. by agencies. In addition to viewing it as illegal, companies have requested that lenders be asked to ignore guidelines when processing PPP loan applications.

    In an email to Law360, Mona Hanna of Michelman & Robinson LLP, counsel to Zumasys and its two subsidiaries, criticized the “underground regulation” of the SBA and the Treasury.

    “The guidelines require that PPP loans be repaid if there is ‘credit elsewhere’, Hanna said. “The problem is, the funds have already been spent, and returning them now would force our customers into debt. It puts them in a worse position than if they had put the employees on leave in the first place.”

    Monday’s lawsuit is the latest of a number of PPP-related cases that have been filed in courts across the country since the program launched in April. Although many cases have been brought by small businesses unhappy with how the banks have managed PPP loan requests, the SBA also faces other disputes regarding its implementation of the program.

    At the end of last week, the SBA approved nearly $ 176 billion in new P3 loans with the $ 310 billion in additional funding the program received in late April, according to federal officials. This is in addition to the program’s initial lending capacity of $ 349 billion, which was depleted within two weeks after lenders began accepting PPP loan applications in early April.

    SBA and Treasury officials did not immediately return requests for comment on Tuesday.

    Zumasys, jBASE and TCS are represented by Mona Z. Hanna, Todd H. Stitt, Reuben A. Ginsburg and Jesse J. Contreras for Michelman & Robinson LLP.

    Information on SBA and Treasury attorneys was not immediately available.

    The case is Zumasys Inc. et al. v US Small Business Administration et al., Case Number 8: 20-cv-00851, in the United States District Court for the Central District of California.

    –Edited by Amy Rowe.

    For a reprints of this article, please contact [email protected]

    WWII veteran kneels down, slams Trump, becomes instant internet sensation

    “These children have every right to protest.

    That’s what John Middlemas, a 97-year-old WWII veteran and Missouri farmer, had to say about the commotion that spread through the grill on Sunday.

    Read:Player protests sweep the NFL.

    Middlemas was one of many supporters of the players who chose to kneel during the national anthem, a move President Donald Trump said on Friday as grounds for dismissal.

    Her grandson, Brennan Gilmore, captured Middlemas’ gesture and posted it on Twitter. From there, the internet took over and made it a viral phenomenon, with over 255,000 people loving it.

    Gilmore, in another tweet, said Middlemas has long been an ally of the civil rights movement: “He’s an amazing man, always on the side of justice.

    Former 49ers quarterback Colin Kaepernick, who still has no job in the NFL, began the tradition on his knees in 2016 to protest police violence against African Americans. In the face of strong reprimands from Trump, more players – and owners – have joined the protests.

    As for Middlemas, he told the Springfield News-Leader he just wanted to tell his family and “the whole world” that “you have to love everyone”.

    What about his thoughts on Trump? Well it is “trash”.

    So maybe not Everybody.

    British scientists test AstraZeneca’s instant immune drug-antibody treatment for COVID-19

    British scientists have started trials of innovative antibody drug treatments that they hope could provide instant protection against COVID-19.

    University College London Hospitals NHS Trust (UCLH) said researchers in the Storm Chase study believe a long-acting antibody (LAAB) known as AZD7442, developed by AstraZeneca, may deliver immediate and long-term protection to people who have been recently exposed to the SARS-CoV-2 coronavirus and prevent them from developing COVID-19.

    The study, led by UCLH virologist Dr Catherine Houlihan, recruited the world’s first study participant earlier this month and has recruited 10 participants since then.

    We know that this combination of antibodies can neutralize the virus, so we hope to find out that administering this injection treatment can lead to immediate protection against the development of COVID-19 in people who have been exposed while it. would be too late to propose a vaccine. , says Houlihan.

    UCLH said its new vaccine research center is conducting two clinical trials testing a combination LAAB treatment to protect against COVID-19.

    The second Provent study examines the use of AZD7442 in people who may not respond to vaccination, such as when a person has a weakened immune system or is at increased risk of COVID-19 infection due to factors such as age and existing conditions.

    We will recruit people who are older or in long-term care, and who have diseases such as cancer and HIV that can affect their immune system’s ability to respond to a vaccine.

    We want to reassure anyone for whom a vaccine may not work that we can offer an equally protective alternative, said Dr Nicky Longley, infectious disease consultant at UCLH who is leading the Provent study.

    Antibodies are protein molecules that the body makes to help fight infections. Monoclonal antibodies are artificially produced in the laboratory and designed as possible medical treatments. They are designed to be injected directly into the body, unlike vaccines which cause the immune system itself to produce antibodies.

    These two clinical trials are an important addition to test new therapeutic approaches, as antibody treatments may offer an alternative to groups of patients who may not benefit from a vaccine, such as immunocompromised patients, said Professor Stephen Powis. , Medical Director of the National Health Service (NHS) England.

    LAABs were designed with AstraZeneca’s “proprietary” half-life extension technology to increase the durability of therapy for six to 12 months after a single administration. The combination of two LAABs is also designed to reduce the risk of resistance developed by the SARS-CoV-2 virus, which causes COVID-19.

    AZD7442 has the potential to be an important preventive and therapeutic drug against COVID-19, focusing on the most vulnerable patients. This work complements our vaccine development program, said Mene Pangalos, AztraZeneca executive vice president for biopharmaceutical research and development.

    Storm Chaser is exploring the use of a combination of monoclonal antibodies administered intramuscularly to those who have been exposed to SARS-CoV-2, an environment where vaccination would not have time to work and we did not other therapies proven to date. This makes Storm Chaser an important study that can have a big impact on our ability to control this infection, noted Professor Andrew Ustianowski, who is the chief investigator of the new studies.

    The UCLH said that in Provent and Storm Chaser, researchers will assess whether the treatment reduces the risk of developing COVID-19 and / or reduces the severity of the infection compared to placebo.

    The main groups of participants in the Storm Chaser trial will include healthcare workers, students who live in collective housing and patients exposed to anyone infected with the SARS-CoV-2 virus as well as residents of institutions. long-term care and industrial / military settings. .

    Both trials are taking place at UCLH’s new Vaccine Research Center, which opened this month to help accelerate the development of new vaccines and treatments during the COVID-19 pandemic.

    Storm Chaser and Provent are both crucial in finding a solution to this pandemic, said Professor Vincenzo Libri, who heads UCLH’s clinical research center supported by the UK’s National Institute for Health Research (NIHR).

    The opening of our new vaccine research center will help propel our fight against the virus, fulfill our aspiration to save as many lives as possible and ensure a return to normalcy, he said.

    Recent advances in vaccines are extremely welcome, and the development of these additional treatments will be essential to ensure that everyone in society can be afforded protection against COVID-19, said Professor Marcel Levi, chief executive of the ‘UCLH.

    Read also : The repurchase of shares of Rs 9,500 cr by Wipro will begin on Tuesday

    Read also : Ahmedabad Launches Online Portal for COVID-19 Vaccine Registration; here is what to do

    Understanding the Components of Your Student Loan Payment Ranger student loan

    You do your student loan payments every month, for years. Yet when you look at your balance, it doesn’t look like it’s gone down at all. In fact, it seems to keep going up.

    There are many factors that determine how much your student loan repayment actually reduces your debt. Knowing the following five things about how payments are applied is the only way to make sure that repayment strategy is as efficient as it gets.

    1. How often does interest accrue on your loans: Here’s the bad news: Interest accumulates every day that most federal student loans are outstanding. Stafford and Perkins subsidized loans generally do not earn interest during schooling, grace and adjournment periods. However, some new Stafford loans will bear interest during their grace period. Borrowers who took out their first loan on or after July 1, 2013 run the risk of lose their grant if they take a long time to complete their credentials.

    The good news is that, like most consumer debt, interest only accrues on the outstanding balance. So the faster you repay, the less interest you pay over the life of the loan. It also means that the majority of your monthly payment is spent on interest during the first few years of repayment.

    2. When your interest is capitalized: Interest on student loans is capitalized – that is, added to the principal balance – at various times. Although the rules differ slightly depending on when you took out your loan and what type of loan it is, expect unpaid interest to be capitalized whenever your loan goes from a no-go status. reimbursement, such as a deferred amortization or deferral, to a reimbursement status.

    You always have the option of pay this interest before it capitalizes, which is a must if you want to avoid having interest deducted from interest.

    3. How loan holders apply your payments: The government regulates how loan holders apply your payments. When loan holders receive your payment, they should credit your funds in the following order: first, they pay all costs associated with the loan, such as late fees; second, they apply funds to interest accrued to date; third, any remaining funds go towards the loan principal.

    Here is a quick example to illustrate how it works. Suppose you have a loan of $ 1,000 at 5% interest placed over a standard term of 10 years, with payments made approximately every 30 days.

    On the first day, you have $ 1,000 in principal and $ 0.14 in interest. Second day, $ 1,000 of interest and $ 0.28 of interest and so on until the 30th day, when you have $ 1,000 of principal and $ 4.20 of interest. On day 30, the loan holder receives your payment of $ 50. You don’t owe any late fees, so they pay off the accrued interest first and the remaining $ 45.80 goes towards principal.

    So your principal is now $ 954.20 with $ 0 interest. This means that the principal balance is lower, so that you will only accumulate around $ 0.13 in interest per day in the future.

    4. What happens if you pay extra: Federal regulations require a loan holder to extend the next due date for each multiple of the monthly payment they receive. So if your $ 50 payment is due in October and you send them $ 100, your next payment won’t be due until December.

    You can send or invoke instructions not to push back the payment due date, but this will not change how funds are actually credited to your account. It only really makes a difference if you pay with automatic electronic payments because if you pay in advance the loan holder will not withdraw payment for the next month.

    Remember that you cannot prepay the interest that has not yet accrued, which is why if you pay extra each month, the amount of money paid in principal will be the same, even if the lender push back your due date.

    5. Track your own payments: If you want to see how much of your payments are going to your principal, most loan services allow you to log in and view a breakdown of your payment history, which includes how payments were applied to principal and to principal. interests. If not, you can request to be sent to you.

    Either way, if you are paying too much on your loan to reduce your principal balance, you must provide this specific instruction to your loan holder. If you are paying online, see if there is a note section or special option to include this information. If you are paying by check, include instructions with the check, then verify online that the payment was posted correctly.

    NAB hires more staff to deal with mortgage deferrals

    The National Australian Bank has embarked on a recruitment drive as it prepares to register clients who have been granted a repayment break on around 80,000 home loans due to the impact of Covid-19.

    NAB is adding 500 employees, including more than 400 external hires, to its customer support team for this effort, which aims to wean customers off future payment deferrals if they can afford it.

    In calls to clients, NAB’s dedicated support team will describe their current mortgage position, the future impact of the repayment pause on their loan balance, and present all available options.

    The new roles mean that NAB will have added more than 1,000 people to directly support customers during the crisis, including existing staff trained with new skills to support customer contact teams.

    Customer Experience Manager Rachel Slade said the contact team will call as many customers as possible to have a conversation and better understand their situation.

    “The past few months have been incredibly difficult for so many Australians and this is an opportunity for us to talk to customers who have requested a payment break and check out how they are doing, Ms. Slade said. “The postponement has brought immediate and much-needed relief, but if customers are able to make payments again, we will encourage them to do so. We don’t want our customers to be in debt longer than they need. We want our customers to choose what is best for them. ”

    Corrie Street’s Vicky Entwistle Says ‘Scary’ Price of Instant Fame Made Her Quit the Show

    ‘I wasn’t prepared for the attention’: Coronation Street’s Vicky Entwistle admits she quit the soap opera after struggling to face fame for playing Janice Battersby










    Coronation Street star Vicky Entwistle has confessed to quitting the soap opera after battling celebrity who had just played Janice Battersby.

    The actress, who left the soap opera in 2011, confessed that she “wasn’t prepared” for the attention she received while playing the role and was rocked by a terrifying experience with a fan.

    Vicky said The mirror: “I was not prepared for the attention. It was like being thrown into the sea when you can’t really swim. By the time I left I was desperate to find some peace.

    The price of fame: Coronation Street star Vicky Entwistle, 52, confessed she wasn’t ready for the attention she received playing Janice Battersby for 14 years on the soap opera

    She added: “It was a brilliant job in many ways, but in the end it was hard to know where Janice ended and where I had started.

    “She was so fiery, it became physically exhausting to play her – hours of yelling and yelling at people.”

    Vicky started to worry about not being able to tell where her iconic character ended and she started after she started adopting some of Janice’s face traits.

    Call to stop: The actress, who left the soap opera in 2011, said the sudden fame felt like

    Call to stop: The actress, who left the soap opera in 2011, said the sudden fame felt like “like being thrown into the sea when you can’t really swim”

    On Fire: The soap star, pictured with co-star Jane Danson, admitted playing the fiery character has drained her energy and she should find a place to calm down

    On Fire: The soap star, pictured with co-star Jane Danson, admitted playing the fiery character has drained her energy and she should find a place to calm down

    She was also disturbed by the “creepy” behavior of some of the 25 million people who watched the longtime series.

    One night, she recalls, a group of men picked her up in Manchester and took her to a bar.

    The “exhausted” actress therefore made the difficult decision 10 years ago to turn her back on Corrie Street for a calmer life with her husband, decorator Andy Chapman.

    Scary Stuff: Vicky was also disturbed by the behavior of some fans of the show, such as a group of men who picked her up and transported her to a bar in Manchester

    Scary Stuff: Vicky was also disturbed by the behavior of some fans of the show, such as a group of men who picked her up and transported her to a bar in Manchester

    Notorious: Vicky made explosive debuts as a member of the Battersby, alongside husband Les (Bruce Jones) and daughters Toyah (Georgia Taylor) and Leanne (Jane Danson)

    Notorious: Vicky made explosive debuts as a member of the Battersby, alongside husband Les (Bruce Jones) and daughters Toyah (Georgia Taylor) and Leanne (Jane Danson)

    Janice made an explosive arrival on Coronation Street after arriving with her husband Les, their daughter Toyah (Georgia Taylor) and Les Leanne’s daughter (Jane Danson), the latter two of whom still appear on the series.

    Never far from a quick ploy to make money, Janice has been involved in numerous conspiracies throughout her time on the cobblestones, including an attempt to steal £ 25,000 for herself from a lottery syndicate. Underworld.

    The Lancashire native hasn’t completely left the small screen, appearing in Celebrity Big Brother and its spin-off Bit on the Side in 2013.

    She has also been invited to Father Brown, Ackley Bridge and Holby City, and has walked the stage at the Octagon Theater as Miss Prism in The Importance of Being Steadfast.

    Flashback: Vicky, pictured in an early snap with Corrie's infamous Battersby clan, now lives a quieter life in her native Lancashire while making an occasional TV appearance

    Flashback: Vicky, pictured in an early snap with Corrie’s infamous Battersby clan, now lives a quieter life in her native Lancashire while making an occasional TV appearance

    Payability Expands Services to E-Commerce Markets, Including Walmart, Jet.com, and Tophatter; Launches instant advance financing to further support seller growth

    Instead of bank loans that are based on personal credit scores, a seller can qualify for the Instant Payability Advance based on their market sales history and performance metrics. Unlike traditional loans which charge prepayment penalties, if Payability collects the total future receivables earlier than expected, the seller will receive a prepayment rebate. In addition, there are no origination fees, administration fees or interest applied to an instant advance. Working seamlessly with other financing options, Payability Instant Advance is a simple, fast and transparent way for businesses to get the lump sum capital they need to buy more inventory, launch new products, negotiate better deals from suppliers and take advantage of one-off shopping opportunities.

    “At Payability, we aim to support the growth of our customers as we can, both today and as they grow in the future. With the launch of Instant Advance and additional markets, we are in able to not only offer significant growth opportunities to our sellers, but also give them access to financing options that span their market channels in addition to Amazon, ”said Keith smith, CEO of Payability. “Tophatter shares our mission of supporting seller growth, which is why we are particularly excited about our partnership with the rapidly growing e-commerce marketplace and advancing payments to their sellers.”

    “Over the past few years, our discovery buying platform has grown tremendously, said Sree Menon, Head of Strategy and Global Business Operations at Tophatter. “Businesses can move their inventory very quickly to Tophatter. Thus, when trying to meet demand, they may encounter capital constraints that can slow their growth. By partnering with Payability to offer its smart financing options, our salespeople can make more strategic business decisions, faster. Because at the end of the day, their success is our success. “

    While Amazon accounts for nearly 44% of e-commerce in the United States, top-performing sellers know they need to be active in multiple markets to reach more consumers and stay competitive. By giving sellers access to advanced receivables in multiple markets, Payability responds to this new demand and gives sellers more opportunities to proactively invest in inventory and growth.

    The addition of Instant Advance is a complement to Payability’s flagship product, Instant Access, which offers sellers daily next-day payments on marketplaces that typically hold funds for 2-4 weeks. Payability customers who sell on multiple marketplaces like Amazon and Tophatter get daily payments for sales from multiple marketplaces instead of just one. And with the help of the Payability Dashboard, they save time by not juggling payment dates and can easily track all sales in multiple markets.

    To learn more about Payability, Instant Advance and how it supports multiple markets, visit www.payability.com.

    About the payability
    Payability gives ecommerce sellers quick access to the revenue they’ve already earned in ecommerce marketplaces including Amazon, Newegg, Tophatter, Walmart and Jet.com. Fast, simple and flexible, Payability customers receive the capital they need to reinvest in inventory, generate more sales, and grow their business faster.

    SOURCE Payability

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    Upset Special: Millville rallies to stun No.9 St. Augustine in instant classic

    Davonte White said he heard the speech all week.

    “We were very excited to come here after hearing all the talk, the Prep gave us 60,” said the senior from Millville. “It made us work harder… and we shocked the state.”

    White’s two-point conversion capture after LeQuint Allen’s 4-yard touchdown mid-fourth quarter proved to be the difference as the Thunderbolts host stunned No.9 St. Augustine Prep 22-21 in a West Jersey Football League thriller Friday night.

    St. Augustine (0-1) went as far as the Millville 15 in the possession that followed, but quarterback Jake Leyman was stopped in fourth and fifth with 1:12 left. Millville QB Nate Robbins took a knee three times, the third triggering a crazy celebration.

    “We played hard in practice and got him out on the field, said Allen, who ran for 69 yards on 16 carries and threw the winning conversion pass. “We had to come together as a team. Once we’ve done that … when we play together, no one can beat us, we’re unstoppable.

    LeQuint Allen scored on a 4-yard rush and threw the winning two-point conversion pass as Millville knocked out No. 9 St. Augustine 22-21 on Friday.

    After holding a lead against Hammonton a week ago before losing, Millville (1-1) played a more complete game against the Hermits. Dennis Thomas was happy to see the improvement over last week and was certainly proud of the effort.

    “It shows their maturity,” said the Millville coach. “In the first half (Friday) we made mistakes. We had to do our best not to make any in the second half and we just had to play extremely hard.

    “It’s a phenomenal program, one of the best teams in the state. We just believe in preparing our guys. I feel like I can pit my guys against anyone.

    The game was the first game of the season for St. Augustine after COVID-19 issues forced last week’s game against Vineland to be canceled.

    Football St. Augustine vs. Millville, October 9, 2020

    Millville’s Calem Bowman (8) blocks the progress of St. Augustine’s Franklin Simms (27) in the St. Augustine vs. Millville football game on Friday, October 9, 2020.Al-Amrhein | For NJ Advance Media

    “(Millville) has obviously improved. That’s what usually happens between game one and game two, ”said preparation coach Pete Lancetta. “They played hard. Our kids played hard too, but they didn’t play both sides of the ball when they had to. They did.

    “We always talk about adversity, so there you go. You have to overcome it. We have to come back and play Hammonton, who beat them. If that doesn’t open your eyes, you’re in trouble.

    Franklin Simms’ 10-yard touchdown rush gave St. Augustine an early lead. White scored on a Robbins 11-yard pass early in the second quarter to reduce Millville’s deficit to 7-6. Leyman’s 27-yard pass to Trey McLeer, on a deflection, gave St. Augustine a 14-6 lead at halftime.

    Bryson Cox Patterson’s 1-yard run with 1:26 left in the third helped tie the score to 14-14 heading into the final quarter. But Kanye Udoh gave the Hermits a 21-14 lead when he carried the ball five in a row in the possession that followed, scoring in a 10-yard run with 10:38 left.

    A junior, Udoh rushed for a peak of 189 yards on 27 carries.

    Football St. Augustine vs. Millville, October 9, 2020

    St. Augustine’s Kanye Udoh (6) searches for a running venue as Millville’s Calem Bowman (8) closes in during the St. Augustine vs. Millville football game on Friday, October 9, 2020.Al-Amrhein | For NJ Advance Media

    After falling behind, Millville amassed 89 yards in 11 plays – Allen tying the game with 6:39 to go and White putting the Thunderbolts in the lead to stay.

    “We wanted to come in and play 100%. We did it and worked hard for it all week, ”White said. “We deserve this.”

    Thank you for relying on us to provide journalism you can trust. Please consider supporting NJ.com with a subscription.

    Kevin Minnick covers the West Jersey Football League. He can be contacted at [email protected]

    Sow seeds: start the flowers yourself to add instant color to any garden

    John Hogan | mlive.com Sunflower seedlings will germinate from seeds that fell the previous year. These tiny seedlings, above, survived the winter and were 2 inches tall by the end of May. The adult sunflower, left, pictured in August 2011, also started from seeds dropped the year before.
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    TIPS

    Sow and go

    Flower seeds that are easy to plant and directly sow include:

    • License buttons
    • Bells of Ireland
    • Cat mint
    • Cleome
    • Cosmos
    • Worry
    • Morning glories
    • Nasturtium
    • Sweet Alysse
    • Peas
    • Sunflowers
    • Zinnia

    Here are some interesting facts about zinnias:

    • Zinnia is named after the 18th century German botanist, Johann Gottfried Zinn.
    He is originally from Mexico.
    • Indiana advertised the zinnia as its state flower from 1931 to 1957, when it was replaced by the peony.
    • Zinnias grow from 10 inches to 4 feet tall.

    Not all beautiful gardens are the result of planting apartments and trays of annuals.

    Bedding plants including impatiens, begonias and marigolds add instant color to the landscape, but an alternative is to plant the old-fashioned way – by seed.
    With just soil temperatures and heavy rains lately, the seeds sown directly will emerge and sprout in a matter of days.

    For my money, cosmos, sunflower, and zinnia are the best self-seeded annual flower seeds.

    Sown for success

    Lance Frazon, seed specialist for John Scheepers Kitchen Garden Seeds, is a great defender of the cosmos, originally from Mexico and South America.

    Cosmos are often planted towards the back of a garden “where its height, vivid flowers and tapestry of delicate, feathery foliage can provide a living screen for a garden sanctuary,” Frazon explained.

    “But the cosmos is just as comfortable looking over a palisade, softening an old stone wall, marrying wildflowers in a meadow, or standing by in a summer cutting garden. colorful, ”he said.

    Cosmos seeds should be planted half an inch deep. The seedlings emerge after about 10 days. They should be thinned out after reaching three inches in height with a distance of 12 to 24 inches between each plant.

    Perhaps the greatest attribute is their resilience to less than ideal conditions.

    “Cosmos are forgiving and undemanding, and they’ll be perfectly happy to grow in infertile or dry soil with nothing more than a glass of water every now and then during a dry spell, Frazon said.

    They bloom profusely until the first frost and can even self-seed for the next year, he said.

    A sunny flower

    There is no better way to get kids involved in gardening than to have them plant seeds that will grow into giants that dominate them in a matter of months.

    Sunflowers fill the bill.

    There are over 60 species of sunflowers ranging from perennials to towering annuals such as Mammoth, which grows 12 to 15 feet tall. The seed heads are two feet in diameter and are a favorite attraction for birds and bees. They have been a source of food for Native Americans for over 3,000 years.

    In addition to the giants, there are several hybrid varieties that grow only two feet tall. They come in a myriad of colors, including yellow, orange, red, lime, and bicolors.

    Plant the seeds half an inch deep and water until they germinate.

    Sunflowers grow best in full sun and loose soil. Seeds can be planted every two weeks or so until early July to ensure blooming profusion until a hard frost.
    Multi-stemmed varieties produce dozens of flowers throughout the season, ideal for cutting and indoor display.

    The profusion of flowers and seeds – the mammoth can produce between 1,000 and 2,000 seeds – almost guarantees that some will survive the winter and germinate on their own.

    I have dozens of these volunteer plants growing in my own garden from seeds that fell last year.

    This is particularly beneficial for people with little time for gardening; nature does the work for you.

    Zinnias at the parade

    For my money, the zinnias are the best. They germinate quickly from seeds, bloom in bright colors, and are a boon for those looking to attract birds and butterflies.

    W. Atlee Burpee Co. introduced the large cactus-flowering zinnia in the 1920s and it has remained a staple in American gardens ever since.

    The seeds should be planted 1/4 inch deep and will begin to poke into the soil within four to seven days.

    Like other direct-seeded annuals, thin them out when they are about three inches tall, removing any that appear slender so that there is between 12 and 18 inches between the plants.

    Providing a little elbow room allows it to grow unhindered and allows air circulation, which helps prevent fungal diseases.

    Water at the roots rather than above the head; Also helps prevent powdery mildew, a fungal infection that covers leaves with a grayish-white growth.

    Breeding plants labeled “mold resistant” is another good practice, whether they are annuals or perennials.

    Zinnia seeds planted now will produce flowers from mid-July until September. They make a great cut flower, and cut flowers encourage more blooming.

    Email: [email protected]

    Millennials Drown In Student Loan Debt: How Financial Wellness Programs Can Help

    The negative ramifications of student debt are enormous, making financial wellness programs more important than ever. (Photo: Shutterstock)

    With tuition rising almost eight times faster than salaries, it’s no wonder that millennial student debt has skyrocketed far beyond the level experienced by their Gen X parents and baby boomers.

    According to National Center for Education Statistics, the average cost of a college education in 2016 was $ 104,480, double the cost of the same degree in 1989 (adjusted for inflation). Meanwhile, salaries only increased by $ 5,000 per year over the same period, reports the Federal Reserve Bank of Saint-Louis.

    Student loan debt hit an all-time high of $ 1.6 trillion this year, with the average college graduate leaving with a degree and $ 30,000 in loans.

    The Poverty and Inequality Report 2019 of Stanford University indicates that compared to Generation X (born between 1965 and 1980), Millennials (born between 1981 and 1996) take out more and larger student loans and default more frequently. The report attributes much of this to higher tuition fees and the unfortunate timing of graduation in a post-recession economy.

    Unhappy time or not, more than half of millennials who took out student loans say going to college was not worth the financial burden, according to Morning Consult investigation.

    But the negative ramifications of student debt are far-reaching, making the need for financial wellness education more important than ever.

    Buying a house

    Because of student debt, Millennials are more likely to postpone buying a home long after the age when their parents start building equity. A recent Zillow report and SmartAsset to study find:

    ● 25 percent of home buyers have been denied a mortgage because of their debts.

    ● 25 percent of tenants have been refused a rental agreement due to debts.

    ● 76 percent of home buyers with student loan debt have a down payment of less than 20 percent, which often increases the interest rate.

    ● 31 percent of Millennials want to own a home but aren’t saving right now.

    The rebound in the housing market has pushed up both home sales and rental prices. According to Global Guide to U.S. Census Property, the average cost of a home in the United States is more than 28% higher than 10 years ago, and rental prices have increased by 33% over the same period.

    However, since millennials don’t buy homes, they aren’t reaping the benefits of rising home prices. Instead of building wealth with property like their parents did, they remain tenants and fail to build equity.

    Save and invest

    The average millennial employee today earns $ 35,592, which is 20% less (including inflation) than baby boomers made at that age, according to SmartAsset.

    Whether they are renting or paying a mortgage, these employees spend between 30 and 40% of their annual income on housing costs, depending on The data from the US Bureau of Labor Statistics. Twenty percent of their annual income is spent on student loan debt, a TD bank investigation revealed.

    Add the cost of food, transportation, insurance, taxes and medical care, there is very little left to save and invest. This is corroborated by several recent surveys of millennials:

    ● Only a third owns shares, down 20% compared to 2001 (Gallup)

    ● Net worth is 20% lower than that of baby boomers (Pew Research Center)

    ● 55% have no retirement savings, according to MorningConsult

    ● About 75% have less than $ 5,000 in a savings account and nearly 50% live paycheck to paycheque (GoBankingRate)

    These employees will not be able to grow their retirement savings through compound returns and they may not receive the same level of Social Security benefits when they retire.

    This means millennials will retire later, costing employers dearly:

    ● The health costs of a 65-year-old employee are double those of a 45-year-old employee.

    ● A one-year delay in retirement costs $ 50,000 per employee in sick leave, personal leave, life and disability insurance, and health care (Prudential).

    ● Younger employees have fewer opportunities for advancement, which leaves them with stagnant salaries on top of student loan debt.

    Mental health problems

    Financial stress can lead to mental health problems. Blue Cross Blue Shield Health Index data shows depression is on the rise among millennials, increasing by 47% since 2013.

    Financial stress has been linked to post-traumatic stress disorder, substance abuse, suicide, and mental health disorders, especially among millennials.

    Employees who come to work under financial stress also face high burnout rates, with millennials more affected than other workers.

    GallouWe have found that 30% of millennials experience burnout at work and 70% experience at least some burnout.

    ● A PayChex to study found that over 50 percent felt their mental health had a major impact on work, while 38 percent said it had a moderate impact.

    ● Because more than a third of Millennials believe their workplace contributes to their mental health issues, 50 percent voluntarily left a job for mental health reasons (MindShare Partners Workplace Mental Health Report).

    The cost of mental health problems to businesses is enormous. Presenteeism and absenteeism due to mental health problems costs 217 million days per year, or $ 16.8 billion per year in lost productivity, according to the MindShare Partners report.

    Consumer spending

    The US economy is driven by consumer spending, and indebted millennials often spend less on consumer goods. Student loan hero found that among those with student loan debt:

    ● 44% fewer trips

    ● 33.5% limited vacation spending

    ● 30% went out with less friends

    ● 18% have stopped donating to charity

    When millennials spend less, businesses have lower profits and slower financial growth. As those with student debt make payments rather than purchases, the usual economic rise the country is expected to experience as millennials age decreases.

    Employee financial wellness programs can help

    While student loans have helped your employees get an education, the benefits may be outweighed by the burden of debt. Providing an employee financial wellness program, however, can make a big difference. In addition to helping employees create a budget and track expenses, financial wellness programs can:

    ● Explain student loan debt and the effects of forbearance and default and provide information on student loan consolidation

    ● Train employees in emergency savings

    ● Provide simulators to see how payment options affect debt

    ● Explain how to improve credit scores in order to obtain better rates for debt consolidation

    ● Teaching the benefits of retirement savings and different investment options

    Kris alban is Executive Vice President of iGrad, a San Diego-based financial technology company that provides artificial intelligence-based financial wellness solutions to employers, financial institutions, colleges and universities. His Enrich the financial well-being platform is used by over 20,000 employers and over 300 financial institutions to provide behavior-changing financial literacy training to employees, customers and members.

    Tips For Using Student Loans For Online Education Ranger student loan

    You have seen advertisements on TV encouraging students to graduate online, work at their own pace, and save time and money. For some students, online course are a great way to earn a degree or certificate, especially if their schedule or family schedule makes it difficult to commit to a class that takes place at the same time each week.

    Studies show that the number of students who complete or graduate from their online diploma or certificate program is lower than that who enroll in traditional college courses. But even if you may not have completed your education, the student loan debt will remain, along with a higher risk of default.

    In many cases – but not always – an online program can be a cheaper alternative to graduation from a school’s physical campus. As with any large purchase, it’s important to shop around to see which school offers the best value for the degree you’re looking for. The luxury of online learning options is that the location of the institution is no longer a restriction on the choices available.

    Although you can get financial aid for many online education programs there are some restrictions. The most important restriction is to attend a school outside of the United States. While you can get federal student loans to attend some foreign schools, regulations don’t allow any part of this program to be online, even if it’s just one class.

    If you need to tap into federal or other financial aid resources to enable you to enroll in college, it is all the more important to ensure that the quality of the program is high. Ensure the the program has been accredited by recognized regional or national accreditors is a way to verify that the program meets at least minimum standards – and increases the chances that your credits will be transferable if you decide to attend another school mid-term. Some schools are starting to refuse to accept transfer credits online, regardless of accreditation, due to what they say are low standards in some online programs.

    It is also important to note that you must be enrolled in an approved institution to receive federal financial aid and most other public and private aid. Your schools should be able to tell you immediately if they are accredited and by whom.

    Online education may also offer a higher risk of debt distress than a traditional program. While your tuition and fees might not be cheaper, the rest of your tuition should be significantly cheaper as you won’t have to incur additional transportation or accommodation and meals costs per person. compared to those you had before you enrolled in school.

    Although this is generally the case, schools are required to offer online students similar participation costs as students taking the same program on campus, which means a high possibility of being offered more funds. loan than what you will have to pay. the cost of the program. Although it may be tempting to hang on to those extra funds, they can quickly add up to more student loan debt than you might expect.

    The Ministry of Education College Navigator is a great tool to help consumers evaluate all of these traits when researching programs online. The site includes statistics on a school’s graduation rate, debt level, student loan default rates and net cost, among other items, and can be useful for comparing schools. and their online and other offerings.

    Blizzard makes frustrating statement and offers instant refunds

    Warcraft 3: Reforged was supposed to be one of the first big launches of the new year and in a way it was. But not a good way. Blizzard found itself under attack as fans and critics scoured the game in reviews: On Metacritic, it sits at a catastrophic 61 for critics, and has been officially declared the worst game ever created by users, with a basement level score. 5. Now Blizzard is in the background, doing its best to save its reputation.

    First of all, the company seems to offer instant refunds. Many people on social media and elsewhere report a refund immediately after requesting one, instead of going through the usual review process. We’ve seen this with other high-profile bombs in the past, and it serves as a face-saving measure.

    And now the company has issued a statement outlining both what it is doing and will not be doing to improve the game over the next few months. We’ll be working on visual bugs and inconsistencies, as well as improved online functionality, all to come in future fixes:

    “Another area of ​​concern we’re seeing is online features like Leaderboards and Clans, which apply to all Warcraft III players, including those who haven’t purchased Reforged. At BlizzCon, we talked a lot about how the team is actively working on setting up the back end to ensure a smooth transition to this new MMR system, much like we did with StarCraft: Remastered. . As with Remastered, these and other features will be included in a major patch for Reforged, which will also fix the issue for players of the original game. We will share the release plans as the work progresses in the weeks to come. Rest assured that the team is working hard to make these features work.

    One thing it won’t do, however, is return to cutscenes. The lack of improved cutscenes has been a complaint surrounding the game, but Blizzard said it was a creative move designed to maintain the classic feel of the game:

    “Regarding that, as we talked about last year at BlizzCon, we didn’t want the in-game cutscenes to stray too far from the original game. We took the thought process behind this a little deeper at the show, but the main takeaway is that the campaigns tell one of the classic stories in Warcraft history, and we want to preserve the true spirit of Warcraft III and allow players to relive those unforgettable moments as they were (albeit rebuilt with new animations and the highest fidelity art).

    Blizzard also said it won’t be doing Reign of Chaos tournaments or rules, citing low use in Warcraft 3:

    “We saw some individual concerns that we are not currently planning to address and we wanted to let the community know. Starting with version 1.30 of the original game, we saw very low use of tournaments and the Reign of Chaos ruleset, so we removed both in mid-2019 (in version 1.31). Eliminating the maintenance of underutilized items has helped us streamline our overall game support and focus on areas impacting the most players. That said, we do anticipate that players who prefer Reign of Chaos will find custom games with similar rules, which we hope will help address this concern.

    Overall, this isn’t an update that’s likely to leave many angry fans much less angry. This thing is not going well, and I doubt it will improve much in the next few months.

    Mom of Three Uses $ 10 Kmart Purchase to Create ‘Instant Coffee Table’

    “This is the best hack yet”: Buyers use a $ 10 Kmart serving tray to create an “instant coffee table” on the side of the sofa

    • Australian mom made instant coffee table using $ 10 Kmart product
    • Chloe said she used a wooden serving stand on the armrest of her sofa
    • ‘I wanted something [to] sit down my coffee without having to get up, ”she said
    • Others understood the hack and bought the product to use it themselves

    An Australian mother of three started a new trend in practical decorating after she created an ‘instant coffee table’ using an inexpensive Kmart product.

    Chloe, from Queensland, posted images to the Kmart Home Decor and Hacks Facebook group where she revealed she was using a $ 10 wooden serving board with iron legs on the armrest of her sofa.

    Others quickly understood the “smart” idea and bought the product to use it themselves.

    Chloe, posted a trio of photos on Facebook where she revealed she was using a $ 10 wooden serving board with iron legs on the armrest of her sofa (pictured)

    Australian mother-of-three explained how she created an instant coffee table using a $ 10 serving tray from Kmart (pictured)

    “Although I have a coffee table, I wanted something that I could sit my coffee on without having to get up all the time, especially on those cold mornings, she said.

    “Kmart $ 10 serving table, re-drill the base to fit the arm of your sofa and presto! A sturdy and elegant coffee holder. ‘

    The serving board works well as a miniature coffee table thanks to the iron legs that hold it in place.

    Others quickly understood the smart idea and bought the product to use it themselves.

    The $ 10 product (pictured) can be purchased online or at Kmart stores

    Others quickly understood the smart idea and bought the product to use it themselves.

    'I did the same!'  another woman said and shared a photo of the tv remotes on the board (pictured)

    ‘I did the same!’ another woman said and shared a photo of the tv remotes on the board (pictured)

    The idea drew a response from over 2,600 people online, and those who bought the budget tray also shared photos of it in action in the comments.

    “We also love ours. My husband thinks it’s the best, ”said one woman.

    “I can’t beat him! Another said, a third added: “I did that too – that is a game changer.”

    ‘I did the same!’ another woman said, and shared a photo of the TV remotes on the board.

    “We also love ours.  My husband thinks this is the best

    “I can't beat him!  Another said, a third added:

    “We also love ours. My husband thinks this is the best, ”one woman said and shared a photo

    Many social media users in the Facebook group also described the hack as “brilliant”, “smart” and “awesome”.

    Others have also opted to purchase an alternative serving tray for $ 16 because it fits their sofa better.

    The original product itself is 30 centimeters long and 25 centimeters wide, and can be purchased online at Kmart’s website or in stores.

    Publicity

    ROBERT HARDMAN becomes first journalist to take new Heathrow coronavirus snapshot test

    Granted, this is one more layer of airport hassle that we would all prefer to be without. However, it is faster than checking in.

    It’s no more uncomfortable than being frisked by a bored x-ray machine operator because you forgot you have an old 10p coin in your pocket. And you don’t even have to take your shoes off.

    More importantly, it could be the breakthrough that finally puts this nation – and the world – back in the air.

    Yesterday I became the first UK passenger to try the new high-speed pre-flight Covid testing regime at a major UK airport.

    Robert Hardman became the first UK passenger to try out the new pre-flight high-speed Covid testing regime at Heathrow Airport

    The test involves a 60 second throat and nose swab, a wait of 20 minutes to an hour, followed by an electronic summons to an office for your certificate.

    The test involves a 60 second throat and nose swab, a wait of 20 minutes to an hour, followed by an electronic summons to an office for your certificate.

    And in less time than it would normally take to walk from the airport train station to the duty free shop, I was able to get the test and certificate which should avoid the need for two weeks in quarantine in some parts of the world.

    For now, this only applies to passengers traveling to Hong Kong from the UK – only on airlines based at London Heathrow Airport.

    However, it is the start of a process that can be accelerated as other countries, other airports and more airlines adopt new rules and protocols to deal with this ruinous virus. It will pass shortly for Italy.

    And, on the indications from yesterday, this is exactly what we need. We hear the phrase ‘game changer’ almost as often as that tired word ‘unprecedented’, but both apply to the new system introduced at Heathrow by medical travel experts, Collinson and Swissport, which manages operations at Heathrow. ground for airports around the world.

    It comes down to a 60 second throat and nose swab, a 20 minute to an hour wait over a cup of tea at the adjacent cafe, followed by an electronic summons to a desk for your certificate.

    Assuming you are negative, you can make it to check-in knowing that you may have saved yourself a fortnight’s quarantine in some parts of the world.

    Those who test positive will be gently escorted to an adjoining room and will receive firm advice on what to do next.

    What they cannot do is take flight, ensuring that everyone who gets on board can fly with a greatly increased sense of confidence.

    Staff member takes swab from Mr Hardman's throat and nose at Heathrow Airport

    Staff member takes swab from Mr Hardman’s throat and nose at Heathrow Airport

    The testing center will be available for passengers from today and those who test positive will be escorted to a side room and receive firm advice on what to do next.

    The testing center will be available for passengers from today and those who test positive will be escorted to a side room and receive firm advice on what to do next.

    This is not foolproof, because nothing is with this bug. But it’s a great innovation that should allow Heathrow and our other airports to come back to life.

    Yesterday Britain’s largest airport – normally the second in the world – was deserted.

    And as nice as it might be if you’re one of the handful of people trying to check in, looking for a table in a cafe, or – praise be – finding an outlet for the phone charger, that eerie silence is the sound. of the British economy sliding off the edge of the cliff.

    The new testing system was developed by scientists at Oxford, adjusting existing technology for the Covid era.

    Known as the Loop-mediated Isothermal Amplification (LAMP) test, it differs from some of the other common methods currently in use in that it can be performed with a sufficient degree of precision without the need for full laboratory facilities.

    It is also more sensitive to the virus than the currently widely used “Antigen” test.

    Collinson's chief nurse David Spicer did the honors with a cotton swab the size of a swab - a quick brush from the back of the throat and a swab of the nostril

    Collinson’s chief nurse David Spicer did the honors with a cotton swab the size of a swab – a quick brush from the back of the throat and a swab of the nostril

    This does not quite measure up to the “standard” PCR test system currently used in frontline hospital settings. However, PCR tests take hours – sometimes days – and are expensive.

    A LAMP test at Heathrow currently costs £ 80, a fraction of the price of most private tests. And having now been approved by Hong Kong – which is much more exacting on international arrivals than the UK – it is surely only a matter of time before it becomes an acceptable entry ticket for other closed regions of the world.

    Heathrow chief executive John Holland-Kaye would like things to go further – and fast.

    As he said yesterday: ‘Ultimately we need a common international standard for pre-departure testing, and we welcome the recent announcement by the UK government that it wants to take the lead in the world. .

    “We will work with them to make this happen as soon as possible.”

    Yesterday at Heathrow was the first day for all concerned. The test center on the ground floor of Terminal 2 was still testing with perplexed airport staff.

    The largest center at Terminal Five was operational for cabin crew. Today it is put online for passengers. However, the management agreed to let me try the system.

    You need to pre-book online and bring your passport and flight details to a pre-fabricated unit right next to the arrivals hall.

    The registration process only takes ten seconds and I am ushered into the test center, a row of booths demarcated by a blue curtain.

    Collinson’s chief nurse David Spicer does the honors with a cotton swab the size of a cotton swab – a quick brush from the back of the throat and a swipe of the nostril.

    I was able to get the test and certificate which should avoid the two week quarantine in some parts of the world.  Pictured: Mr Hardman at the Heathrow Airport Test Center

    I was able to get the test and certificate which should avoid the two week quarantine in some parts of the world. Pictured: Mr Hardman at the Heathrow Airport Test Center

    After flying around the world repatriating patients from all kinds of unfortunate situations, David has seen it all.

    It may not be the most exciting assignment but, like everyone here, he is excited to be a part of everything that revives this industry.

    My swab doesn’t go beyond the Collinson testing center down the hall. I look through a window to see a pair of masked agents in white coats moving samples on and off the heated base units that are the heart of the LAMP system.

    To the untrained eye, this looks a lot like a lab – and they’re real lab techs – but it’s a much faster, purpose-built unit with a very specific purpose: to get passengers in their way.

    I stay in an almost empty Caffe Nero and wait for an email to tell me I have a result. I am very confident about what it will be but, despite everything, there is a modest butterfly in my stomach as I approach the “Certification Office”.

    Having been the first ‘civilian’ to try this, it would be a bit awkward to sound the Covid horn on day one.

    I can’t tell if David is smiling as he hands me the certificate because, like everyone else, it is fully masked. But here it is in black and white: ‘Negative’.

    If I had a ticket to Hong Kong, I would now have left to check in (I don’t, for the simple reason that the old colony only admits residents and citizens at the moment).

    But I look at the departure board to see this long list of nearly empty flights to all of these destinations and wonder how long it will be before a few more countries sign up for this scheme – and Britain is adopting something similar. for those heading towards the finish.

    Those poor people who are currently twiddling their thumbs at home while waiting for a Covid test – and preferably not one across the country, at some point around Christmas – will wonder why they shouldn’t just head to Heathrow at the moment .

    Without a ticket to Hong Kong, there is no point. But all of us, looking at this very welcome addition to Britain’s gloomy aviation landscape, will now feel entitled to ask: where next – and when?

    Sudden Coffee aims to boost instant brewing with third wave technology – TechCrunch

    The world of coffee is often torn between the old and the new, traditional brewing techniques and the newest and coolest method. But if there’s one area just about everyone would agree that improvements could be made, high tech or whatever, it’s instant coffee. Sudden coffee is looking to do just that with good beans, better technology, and a web-based business model.

    Sudden is the creation of Kalle Freese, a decorated Finnish barista, and Joshua Zloof, an entrepreneur in the food space; Freese originally started his own cafe, but was frustrated by the inability to serve more than, say, a hundred or two hundred people a day. But an encounter with famous coffee scientist Chahan Yeretzian – once responsible for the taste and aromas of Nespresso (!) And now scientific advisor to Sudden – convinced him to pursue the possibility of making instant coffee that … well, don’t fear not.

    The problem with instant coffee is that it’s bad news from start to finish.

    “They start with bad coffee, roast it very black, then extract it twice, which kind of blew me away, Freese explained. “About 60% of the mass of the bean is extracted, and normally you don’t even want half of it. You get a lot of these heavy, bitter, woody compounds.

    The dehydration process, too, is carried out in huge volumes and at high temperatures in large companies, depriving the coffee of its aroma.

    Freese summed it all up with a Finnish saying that is, in essence, a less polished version of our own “lipstick on a pig”.

    Freese (left) and Zloof. Image credit: Snappr.co

    He was convinced that the process could be improved and that the resulting product was not only drinkable, but actually good. Over the past two years, after $ 500,000 in angel funding in 2015 and a $ 2.8 million fundraiser last December, they’ve developed a process that seems to have done just that – I got a taste of it myself. -even. It was also good enough for Y Combinator, which accepted Sudden into its Winter 2017 Business Bundle – the second food startup after Soylent to be included in the accelerator.

    Kalle and the Sudden team have made three basic improvements to the instant coffee process.

    First, they use good single origin beans, sourced from 49th Parallel roasters in Vancouver, BC. As with any good dining experience, you can’t skimp on the ingredients.

    Second, they built a bulk brewing process that doesn’t destroy the beans.

    “We use a unique, fully enclosed centrifugal brewing system that doesn’t allow any aroma to escape, Freese said. “We also extract the coffee at low temperature (85-90C). As a result, we only get the good stuff – sweetness, fruity, acidity – and none of the bad things like bitterness and oakiness.

    Third, they have developed their own freeze-drying technique which they describe as the equivalent of a server farm. Instead of a huge machine processing tons of coffee at once, a collection of small freeze-dryers is used. This allows them to tailor the process to a particular batch of coffee and maintain the quality while still pumping a lot of the finished product per day.

    sudden coffee-4

    “We’ve developed our own profiles to do this in a way that preserves flavor,” Freese said. “You have to find a balance between temperature, pressure and drying time. “

    So what does it taste like?

    I set up a little blind tasting test at home to see if Sudden Moment could deliver on the company’s promises. I drank a cup of Sudden, a cup of regular instant, a little drip from a cafe down the street, and a sip of myself.

    2017-02-07-11-41-47

    After changing the identical cups a bit, I gave it a try and, I’m proud to say, identified them all correctly. Sudden’s brew had some things in common with the Standard Instant: a super sweet aroma and a very straightforward flavor that doesn’t linger – that would be the lack of oils that show through in the cool brew. But while the regular instant had a sort of generic all-purpose coffee flavor, Sudden’s clearly tasted like a lighter roast, with the expected notes to go with it, and there was less of the feeling than something. bitter was covered by something sweet.

    In short, it was pretty good, although fundamentally outclassed by a fresh infusion. Definitely better than the standard instant, and even the drip down the street (a respectable cafe but not their best lot, it has to be said).

    This really is the sweet spot Freese was aiming for. Having taken 9th place in a world barista championship, he knows what good coffee is and what it isn’t, and he wouldn’t go wrong in thinking that freeze-dried liquids could compete with the real one. But that’s not the point. Instead, it’s about bringing decent coffee and selection to people who don’t have the time or access to get the right stuff.

    “We have a lot of people who love great coffee, but live in a small town that has no place to get it,” Freese said. “We are leveraging technology to provide a better coffee experience for people who don’t have coffee. “

    The business model is essentially coffee as a service: for a monthly subscription you regularly receive 8 packets (or multiples) of coffee servings suddenly – at the moment a turning bean, but in the future maybe. be a type you requested, or maybe something new that is recommended based on your taste. The current cost is $ 19 per month – $ 2.75 per cup if you include shipping costs.

    Yes, $ 2.75 a cup for instant coffee. I too am skeptical, but Freese is optimistic. He doesn’t expect people to switch completely, but rather to use it “in tandem” with their existing habits. If you love great coffee but what they have at work is awful, what are you going to do? Set up your own private machine and order beans? Go out and pay $ 4 every time you need a lift? Or would you like to keep a few Sudden hits in your office, sure it’s better than what’s in the break room and you can do it in a minute or two?

    It should be noted that this is the first sophisticated version – if Sudden were Tesla, it would be the Roadster phase, Freese suggested.

    “We buy some of the best and most expensive coffees in the world. We have a team of 10 and we make tens of thousands of cups per month. I see this as taking whatever is good about third wave coffee – the brand, the durability, the great taste – and making it affordable for the mainstream consumer. “

    Eventually, there will be more choices and cheaper options as the business grows, although Freese hopes to maintain the personal connection with customers: doing tastings, sending care packages for birthdays, and recommending new styles. or beans. Hoping that they will also make the packaging a bit greener as they grow older.

    Sudden Coffee offers are live right now, so you can give it a try, so to speak. If nothing else, I can recommend it as an emergency coffee option that’s considerably better than the regular instant.

    Instant Pot Smart WiFi review: Wi-Fi arrives on the popular multicooker, but adds a little extra

    The Instant Pot range of multicookers are more popular than ever, and the new $ 150 Instant Pot Smart WiFi (£ 117, AU $ 206) is the most high-tech model yet. While Instant Pot has stuck with its popular 6-quart, 1000-watt design, it added Wi-Fi connectivity for remote control and integration with the Instant Pot app. Very similar to the Instant Pot Duo Plus series, the Instant Pot Smart WiFi is a bit more expensive and a bit smarter. Wi-Fi can bring peace of mind to anyone who’s hesitant to leave their multicooker unattended, but overall intelligence isn’t revolutionizing the way you’ll use your Instant Pot. If you don’t want to remotely view the status of your Instant Pot, you’ll be fine with a more affordable model.

    The Instant Pot Smart WiFi adds wireless connectivity through the Instant Pot app.

    Tyler Lizenby / CNET

    The Instant Pot Smart WiFi retains all of the popular modes and features that customers know and love. The buttons for the Bean, Chili, Meat, Rice, Yogurt, and Cake programs are all there. You will also get sauté, pressure cook, steam and slow cook functions. There is no program button for eggs or button for sterilization, but otherwise this model looks a lot like the Duo Plus series. Instant pots comparison chart gives you a good idea of ​​the tradeoffs between each model. The Instant Pot Smart WiFi also comes with a tablespoon, rice spoon, and measuring cup.

    Read more: Wi-Fi 6: Better, Faster Internet Is Coming This Year – Here’s Everything You Need To Know

    img-1861

    The Instant Pot app displays the time and program status of your connected cooker.

    Screenshot by Molly Price / CNET

    The great feature and all the interest of this new Instant Pot model is the addition of Wi-Fi. The addition of connectivity means that you can connect the Instant Pot Smart WiFi to your home’s 2.4 GHz wireless network. and the Instant Pot app. But what does that mean?

    To get started, you can use the ‘Instant Start’ tab to select the program you want to run, make custom adjustments to settings such as pressure level and time, and start your range with a tap. There are also options to cancel cooking remotely, monitor the progress of your food, and receive notifications on your phone when cooking is complete. Other features of the app include a recipe section with hundreds of ideas and inspiration for dishes ranging from cheesecake to Indian curries. Browsing through these categories was my favorite part of the app experience.

    The app has some issues. On the one hand, the temperature monitoring that Instant Pot offers with this model is not temperature monitoring at all. It’s a cute little thermometer icon with seemingly arbitrary markers. You won’t get actual temperature readings here. You will see the range mode, including whether it is preheating, baking or keeping warm. The only change you can make to your range once you have started a cycle is to cancel it. It would be nice to be able to add or subtract time.

    Let’s go cook

    Like any good appliance tester, I tested the Instant Pot with several basic dishes. We cooked brisket, rice, beans, chili and even seared two steaks in the Instant Pot Smart WiFi. Overall, all dishes are well cooked and gave tasty results. Some weren’t as good as others, but the functionality, everything worked to my satisfaction. Here is the recap:

    00100lportrait-00100-rafale20181128141644397-cover-2

    The beans in the Instant Pot Smart WiFi were tasty and moist, but a bit mushy.

    Chris Monroe / CNET

    Beans

    We cooked 1 pound of dry, non-soaked black beans in the Instant Pot using the bean program. This defaults to a cooking time of 30 minutes. I filled the water just enough to cover the beans, a recommendation in the Instant Pot cooking times table. After half an hour of cooking, I waited 15 minutes before releasing the remaining pressure. The beans came out tasty, but slightly mushy. However, they held their shape and had just the right amount of fluid. I would not have hesitated to serve them as an accompaniment. So far, so good.

    White rice

    The rice was chewy, well cooked, and just sticky enough.

    Chris Monroe / CNET

    Rice

    Rice is one of Instant Pot’s main attractions, and for good reason. Cooking long grain rice on a stovetop takes a long time. Rice in the Instant Pot is faster and easier. Do not bring water to a boil or take up space on your stove with steaming rice. I used a 1: 1 water to rice ratio, and after rinsing the rice four times under cold water, poured everything into the pot. The default rice setting was 12 minutes, and after 10 minutes of natural release I released the remaining pressure.

    Everything you need to know about instant coffee

    Instant coffee is older than you think (and better than you think these days).

    Daniel Grizelj / DigitalVision / Getty Images

    Who does not want Coffee in an instant, right? Well there’s more than one way to have Coffee in a jiffy, but one of the simplest is “instant” or “soluble” coffee, which does not require all brewing at all, just a quick mix of hot water. (Or hot milk, if you feel like it.) are those magical flavor crystals, though, and are they really any better than regular old brewing of beans and water? Here’s everything you need to know about instant coffee.

    History

    While the first moment recorded Coffee was developed in New Zealand in the 1880s, the product really spread during World Wars I and II when it was first included in soldiers’ rations. According to a senior army official, coffee was “as important as beef and bread”, saying it “gives courage and strength and maintains morale” as reported by NPR. The relative luxury of being able to make coffee in the trenches quickly took hold and many didn’t even bother to heat the water. Returning GIs brought back their taste for things at the end of the war, which was also the dawn of the convenience food craze that gripped America and never did. loose.

    Read more: The best coffee accessories of 2019

    Coffee granules on a teaspoon.

    Dorling Kindersley / Getty

    Instant coffee has also taken off in places where brewing technology, free time and money are scarce, and despite the propensity of some cultures to poke fun at instant coffee, you might be surprised to know that around half the world drinks it according to a report from 2014 by Euromonitor and The Washington Post, with Asia Pacific, Eastern Europe, Mexico and the United Kingdom representing three of the largest consumers, followed closely by mainland China.

    Since the 1940s, around half of the world’s coffee production has been devoted to instant coffee – a market valued at around $ 28 billion in 2016. Most are made from a blend of Arabica and Robusta coffee (read: high and low quality beans, with prices to match), or pure Robusta, which is why you’ll often find it for a third of the price from its brew-by-the-bean counterpart.

    Treat

    The commercial process for making instant coffee comes in two forms: freeze-drying and evaporation. In either case, a brewed coffee blend is typically brewed on a commercial scale (i.e. gallons and gallons at a time) and then either flash freezing or dehydrating the finished liquid coffee. has all its, well, “liquid” removed, leaving behind pieces of finished, crystallized coffee that simply must be soaked in water to “come back to life” like no other dried food item. The drink obtained, depending on the quality of the instant product and the crystal / water ratio, can be either thick and viscous like an espresso, or thin and watery like a desperate gas station mug.

    Flavor

    As with any coffee on the face of the earth, your mileage will vary in flavor, depending on the quality and freshness of the coffee itself, your brew recipe, the quality of the water, etc.

    As a rule of thumb, however, commercial instant coffee brands aren’t necessarily designed to be savored – if coffee was more of a pleasure than a necessity, you’d probably be willing to wait longer than 25 seconds for a better cup. . Most of the brands available in supermarkets are made with a majority of Robusta coffee, which is a low-lying, disease-resistant species of coffee whose flavor tends to have harsh, almost rubbery notes. (Which, of course, is good if you add a ton of milk and sugar, as most instant drinkers do.) That said, most instant coffees are very recognizable by the taste of coffee, and some are even half decent – especially the Arabica-based ones: This is a segment of the market that grows as free time gets shorter and interest in actually finding coffee grows.

    Cooked

    Here’s an added bonus of instant coffee: it’s an easy ingredient to add to the taste of coffee. dessertsbreads dry friction, spicy Chili, groats, muffins, Pancakes, milkshakes – you name it. Rather than having to brew liquid coffee and trying to adjust the dry / wet ingredient ratios, a simple scoop or two provides a rich, deep coffee flavor to just about any dish, without disturb you. Be careful, too much can be overwhelming (since this is a sort of concentrated coffee flavoring flavor), but that little bit will go a very long time and deliciously.

    Instant coffees to try

    Sudden coffee

    If you want to try true specialty instant coffee – that’s right, legitimately delicious coffee – try a subscription to Sudden Coffee, a premium single-serve brand of coffee, designed and executed by several Champion Finnish barista, Kalle Freese. . Subscriptions start at $ 16, but you can also buy a la carte, though the company is currently experiencing delivery delays.

    Amazon

    Introduced in 2009, this instant version of the mall favorite is actually a very apt representation of the flavor of Starbucks’ on-site brewed coffees, and that’s what is typically served on planes that “proudly feature Starbucks coffee.” . When you’re on the go or stuck in an office area without a coffee maker, those small, individual portions can really go by in the blink of an eye. Prices vary depending on the roast, but you can get a box of 50 Italian roasts for $ 38.90 on Amazon (or $ 36.96 if you subscribe).

    Walmart

    The uninitiated may vaguely recognize the iconic yellow-red-blue of the Bustelo label, but for enthusiasts there is only one coffee: Cafe Bustelo. This iconic brand of Cuba, Puerto Rico and New York is loved by Americans of Caribbean descent, who mix it with milk froth and sugar for a quick coffee on a busy morning or afternoon. Score a 10-ounce 3-pack for $ 8.23 ​​at Walmart, or buy it at single serving packages like Via.

    This story was written by Erin meister and originally posted on Chowound.

    Trez Forman continues Carolinas push with $ 42 million loan

    The borrower, Caldwell Station NC, LLC, is developing a Class A-20 construction project that will consist primarily of garden style apartments, mixed with rental townhouses.

    HUNTERSVILLE, NC — Palm Beach, FL-based Trez Forman reports that it closed its fourth financing deal in North Carolina this year, a $ 42 million construction loan for the 297-unit multi-family development. in this suburb of Charlotte.

    The Huntersville transaction, which closed on July 5, is the largest financing transaction for Trez Forman in North Carolina this year. So far in 2018, Trez Forman has loaned approximately $ 98 million in construction and acquisition financing for residential projects in North Carolina.

    The borrower, Caldwell Station NC, LLC, is developing a Class A-20 construction project that will consist primarily of garden style apartments, mixed with rental townhouses. Trez Forman President and CEO Brett Forman arranged the transaction. The development will also include 371 parking spaces and a host of amenities including a resort-style saltwater pool, clubhouse, fitness / cardio studio, lounge area and dog park.

    The 17355 Old Statesville Road project site is located near the Northcross Mall, which is home to Harris Teeter, HomeGoods, Lowe’s Home Improvement, Petco, Staples and many other retailers.

    “It is exciting to continue our business in Carolina with this transaction in Huntersville, said Forman. “This is a suburban submarket with a strong appetite for Class A apartments. We continue to target similar opportunities in the region.

    In February, a developer borrowed $ 35 million from Trez Forman to develop a mixed-use project in Wilmington. In May, Trez Forman closed a $ 17.24 million loan to acquire a 138-acre residential development site in the Raleigh-Durham-Chapel Hill metropolitan area. Around the same time, the lender closed a $ 2.5 million acquisition loan for a 195-acre residential development site in Surf City, North Carolina.

    Trez Forman, a joint venture formed in 2016 by Forman Capital of Boynton Beach and Trez Capital Group of Vancouver, closed more than $ 200 million in financial transactions in the first quarter. Company officials say the company is on track to close more than $ 500 million in deals in 2018.

    Chai Point announces its foray into Instant Chai

    Mumbai, February 19, 2021: Chai Point, India’s largest omnichannel beverage brand, has announced its foray into the instant chai category. The company launched Instant Chai in three flavors: masala, ginger and cardamom. The instant chai will be available in convenient easy-to-carry “bag” formats at a price of Rs 180 for a pack of 10.

    The Instant Chai range is now available on the D2C platform recently launched by Chai Point Shop.Chaipoint.com in addition to the biggest ecommerce sites including Amazon, Flipkart, Snapdeal, Big Basket, SuprDaily. The range is also reportedly available in 170 stores in Chai Point.

    Amuleek Singh Bijral, Co-Founder and CEO of Chai Point, says: “The pandemic has brought about many fundamental changes in the way we consume F&B. As white collar workers with a millennial mentality continue at the WFH, their Chai consumption is at an all time high and our customers want the same Chai taste they get in our stores, despite being ready in seconds. The launch of Instant Chai is another way of staying in tandem with the needs of our customers for whom Chai is a fuel that keeps them alive even when working from home. ”

    The Chai Point range of instant teas is a drink specially designed for the busy work of home meetings, late working days, travel and vacations without compromising the authentic taste of home-made chai.

    This is a 100% natural preservative-free product, where real tea and spice extracts are blended with the highest quality dehydrated milk in state-of-the-art German machines to deliver a truly authentic chai experience. Chai Point is known not only for ensuring balanced sugar levels in drinks, but also for offering 100% natural alternatives like jaggery and honey. Likewise, for this product, the Company introduced a finely dosed amount of sugar and also made sugar-free options available to customers.

    Chai Point Instant Chai No Sugar Added is an aromatic delight for those looking to stimulate their senses, without the sugar. To enjoy that perfect instant chai, simply add hot water to the premix and reconnect with what really matters in life.

    The company aims to grow the Instant Chai category into a Rs 10million business over the next 12 months.

    Now take your cup of Authentic Instant chai wherever you go.

    About Chai Point

    Chai Point is an omnichannel brand launched in 2010 by Amuleek Singh Bijral and Professor Tarun Khanna of Harvard. The company which reaches millions of customers every day through multiple channels such as boxC, stores, delivery, is backed by renowned investors such as Paragon Partners, DSG, Eight Roads Ventures, Saama Capital. Chai Point operates more than 175 stores in 8 cities, selling 3,000,000 cups every day. The company has raised $ 34 million in funds to date. The last round in which Chai Point raised $ 20 million in Series C was led by Paragon Partners.

    Nexo crypto lending platform lowers rates on instant lines of credit

    Nexo, a crypto lender, has announced that it has lowered interest rates on its instant crypto credit lines.

    The lowest rates in the blockchain ecosystem

    In a press Release Released on October 22, Nexo announced that it was lowering interest rates on its line of credit service after securing profitable long-term financing. The instant lending platform claims it now offers the lowest rates in the ecosystem.

    Nexo’s crypto lines of credit reportedly start at 5.9% with no minimum repayment requirements or credit checks and are available in over 200 jurisdictions.

    Nexo allows holders of digital assets to borrow against a basket of a range of digital currencies such as Bitcoin (BTC), Ether (ETH), Ripple (XRP), Litecoin (SLD) and others, without losing ownership of their assets.

    The lending platform reported in August that it paid its token holders a total of $ 2,409,574.87 in dividends, achieving an annualized dividend yield of 12.73%. With a user base of over 250,000, Nexo’s dividend yield is allegedly higher than any dividend paying stocks listed on the S&P 500 stock index.

    During the same month, Nexo launched a Mastercard-branded cryptocurrency credit card, which they claimed to be the first card in the world that allows users to spend the value of their cryptocurrency without actually spending it.

    Nexo’s competition

    Cointelegraph previously reported that Nexo’s competitor, the Celsius Network cryptocurrency lending and borrowing platform, surpassed $ 300 million in deposits in just 12 months and made over $ 2 billion in coin loans. In total, Celsius has completed over 160,000 coin lending transactions and distributed over $ 3 million in interest payments. Celsius claimed that it has become the fastest growing lending platform in the world.

    Investors applaud student loan actions ahead of President Trump

    As President Donald Trump moves into the White House, the future of many political issues, including student debt, remains uncertain. But investors seem to be betting President Trump and the Republican Congress will be good for companies involved in the $ 1.3 trillion student loan business.

    Sallie Mae SLM,
    + 0.56%,
    the leader in private student loan origination, saw its stock price increase by more than 50% between the election and the end of last week. Other companies involved in the industry, including Navient NAVI,
    + 1.21%
    and Nelnet NNI,
    + 0.83%,
    two publicly traded companies that manage government student loans, also saw increases of around 18% and 26% respectively during this period. Discover DFS,
    + 1.21%,
    which also offers private student loans, saw its share rise by around 8%. While various factors likely contributed to the growth of stocks, experts say investors’ perception that the new administration will make more room for private companies in student loans may have played a role.

    The Department of Education is the largest student lender in the country, accounting for around 90% of the market. But large-scale changes or even smaller adjustments to the system, which might be considered in a new administration, could shift that balance.

    Until 2010, private banks served as intermediaries for government guaranteed student loans. The Republican Party has indicated its interest in returning to a student loan market similar to this system – the 2016 GOP party platform called on the government to pull out of the student loan business. And although little is known about the higher education policy preferences of Education Secretary candidate Betsy DeVos, she clearly supports the introduction of more private options into the public school system. K-12.

    While the growing privatization of the student loan industry could be a boon to companies involved in the market, consumer advocates have warned borrowers may be worse off. Federal government loans generally have more generous repayment terms than private loans and offer an option to borrowers with little or bad credit history. And supporters of the Obama administration’s 2010 decision to restrict the role of banks in the government’s student loan program argue that the old system allowed financial institutions to earn a profit while the government carried all the risk of the loans.

    “Many in the financial industry will go out of their way to go back to the good old days of charging big fees without having a lot of skin in the game, but if we are concerned about borrowers then what we really need to ask ourselves is this. ‘is:’ Will this lead to lower prices and defaults for borrowers? ‘ Said Rohit Chopra, former student loan ombudsperson at the Consumer Financial Protection Bureau and senior member of the Consumer Federation of America, an association of consumer-focused nonprofit associations.

    It may still be too early to say whether investors’ bets on further privatization of the student loan market will pay off, but Trump’s election against Hillary Clinton has removed some of the possible risks for student loan companies, said Moshe Orenbuch, Managing Director. at Credit Suisse, which tracks student lenders. On the one hand, it seems less likely now that lawmakers will implement some sort of national free college program – a major goal of the Clinton campaign – that would likely have reduced the role of student lenders.

    Orenbuch said it also seems less likely that Republicans will increase federal government loan limits than if Democrats had remained in power. Currently, undergraduates dependent on their parents can borrow up to $ 31,000 government for university and when they reach that ceiling, students can turn to private lenders. If this limit were raised, it would mean fewer opportunities for these companies.

    “When considering a public investment in higher education or a private investment in higher education, Democrats generally prefer more public than private and Republicans prefer more private than public,” said Joe DePaulo, director. general of College Ave Student Loans, a private lender. “I think that’s the number one reason you’ve seen these stocks jump.”

    Here’s what Trump means for the tech industry

    It’s also possible that Republicans in Congress are even reducing the government’s role in graduate student loans. Currently, graduate students can borrow up to the cost of their degree; leading Republicans have indicated they will target this reform program.

    Making major changes to the mix of private and public student loan options would require significant action on the part of Congress, which, given the typical deadlock, could be difficult to achieve. But there are opportunities for less dramatic changes that could also be a boon to student loan companies and their investors.

    The Department of Education is in the process of awarding a new contract for the management of its student loan portfolio. Currently, several companies hold this contract, but under the new system, touted by the Obama administration, only one company will clearly come out on top. Navient and Nelnet are both vying for the new contract, but it’s unclear whether a Trump administration will continue this process, said Michael Tarkan, senior analyst at Compass Point Research and Trading.

    “It would be business as usual for these companies if they didn’t award it, Tarkan said. “If they award it, then one of those entities is going to win and the other is not. So you have a pretty binary outcome if they go ahead with the contract. “

    It is also possible that the new administration will change its position in favor of private companies involved in the student loan market, which could be a boon for companies. “Sentiment is generally positive, I think, mainly due to perceived lower regulatory risk across the industry, Tarkan said.

    The Obama administration has applied relatively aggressive security to student loan companies. Earlier this week, the Consumer Financial Protection Bureau filed a lawsuit against Navient for claiming the company had mistreated borrowers. But the future of the lawsuit and similar actions remains uncertain as some Republicans have said they would like to reduce or even eliminate the CFPB.

    Despite indications that the new administration and a Republican convention will be a boon to student loan companies, investors will have to wait and see if their bets actually pay off. “In terms of what ultimately happens, I think it’s too early to tell,” Tarkan said. “I don’t see higher education as a top priority for the administration right now. There are other things they will cover first.

    Give a missed call on these numbers to get the cheapest loan; Get additional benefits

    SBI

    If you are also considering taking out a personal loan, then the country’s largest money lender, State Bank of India, recently introduced a special facility for its millions of customers. According to the official SBI report, now you won’t have to go to the bank and wait in long lines to take out a loan.

    Moreover, you just need to give a missed call to avail the loan facility.

    Our motivation for publishing this news is to help people in the farming community who have accounts with the State Bank of India.

    SBI published this information by tweeting and furthermore for that you will not need to give any security.

    Let’s see how you can take advantage of this facility and get instant loan from State Bank of India.

    How to get an SBI loan?

    SBI wrote on its official Twitter account that it is now more convenient to take out a personal loan. All you have to do is give a missed call to the number 7208933142 and then you will be called back by the bank.

    SBI loan

    What are the characteristics of the SBI personal loan?

    >> The interest rate on this loan is 9.60%.

    >> You can borrow up to 20 lakh rupees.

    >> low interest rate

    >> Low processing fees

    >> At least the document will work

    >> zero hidden costs

    >> no security, no guarantor

    You must call these numbers

    For more information on this loan, you can call the toll free number 1800-11-2211. Apart from that, you can also get information by calling 7208933142.

    You can also get information by messaging

    If you want to get loan information by SMS then you will have to write “PERSONAL” in the message and message on this number 7208933145.

    For more information, you can also visit the official SBI website or this link https://bank.sbi/web/personal-banking/loans/personal-loans/xpress-credit-personal-loan.

    Part 1: Farmers needed instant relief, but the government handed them a new policy

    The financial measures that Finance Minister Nirmala Sitharaman announced for farmers fail to alleviate the losses suffered by some of them during the lockdown. Moreover, legal changes to usher in agricultural marketing reforms, while ambitious, could fail if not diligently implemented and states are not taken in confidence.

    Cereal producers did not suffer much during the lockdown. The supply of wheat to Punjab, Haryana and Uttar Pradesh was delayed, but efficiently. Fruit and vegetable growers have been hit the hardest by the shock lockdown that went into effect on March 25 with just four hours’ notice.

    Winegrowers suffered losses on exports during the closure of Western Europe. Prices also collapsed nationally as markets and logistics became congested. Some winegrowers diverted their harvest to raisins and recovered part of the cost. Banana growers did not have that option. Even the market gardeners have found no takers for their products.

    Publicity

    Although farming activities were excluded from the lockdown, Syed Javed Ismail from Beed in Maharashtra said he had to destroy the tomato crop remaining in his field in mid-May to make way for the next planting as the price he was getting ─ Rs 1 or less a kg was too low.

    Related news: For farmers, it’s finally time to reap the real benefits

    “There is no immediate relief from the losses,” said Vilas Shinde, founder and managing director of Sahyadri Farmers Producer Company, based in Nashik, the country’s largest exporter of grapes. He expected short-term loans to convert to longer-term loans and a waiver of interest on past loans.

    Nivrutti Khandrao Medhane, 47, Nashik winemaker, has a loan of ₹ 2 cr. He also expected a loan waiver. It’s a need he hadn’t felt before, he said.

    The finance minister’s announcement of an investment in agricultural infrastructure like cold stores was welcome, but farmers needed a break from loan and interest repayments, so that they did not make default and that the banks continue to lend. This would have helped them to continue their farming activities and to repay their obligations from future income.

    Just as the governments of Karnataka and Delhi had made cash transfers to barbers, drivers and dhobis (laundresses), the central government should have provided relief to specific sections of farmers based on the pain they had suffered.

    Longer-term measures, such as proposed changes to the Essential Commodities Law and the Agricultural Commodity Marketing Committee (APMC) law aim to help farmers obtain better prices for their products. These were on the agenda of a meeting of the NITI Aayog Board of Directors held in June of last year. Prime Minister Narendra Modi had set up a committee of chief ministers headed by former Maharashtra chief minister Devendra Fadnavis to suggest how the changes could be implemented.

    Related news: Why old wine in a new bottle smells musty

    The APMC law governs mandis. It was seen as restrictive because it prevents big buyers like exporters, organized retailers or food processors from buying directly from farmers without paying a fee. mandi cess. the mandi commissionaires, or arhatiyas, are considered exploiters.

    Agricultural marketing is a matter of state. The government of Atal Bihari Vajpayee drafted a model amendment to the APMC in 2003 for states to legislate. NITI Aayog member Ramesh Chand said no state except Arunachal Pradesh had adopted it in its entirety. Everyone else made exceptions.

    In 2017, the government made another attempt. He drafted a model law to guide states. This included livestock and is called the Farm Products and Livestock Marketing Act. The goal of these two model modifications was to increase competition among buyers.

    The BJP-led states – Gujarat, Madhya Pradesh, Uttar Pradesh, and Haryana – enacted the 2017 Model Law through ordinances or bills.

    Non-BJP states are not as well aligned. In January, the Punjab changed its agricultural produce market rules of 1962. It allowed for the establishment of private markets of at least 10 acres, but only for fruits, vegetables, timber and flowers. These could not be within 5 km of a restricted area mandi or its sub-yard. Rice, wheat, cotton, pulses and oilseeds were excluded.

    Related news: Need food on the plate now, but the government is a slow-cooking farm feast: the farmers

    Sukhpal Singh of the Center for Management in Agriculture at the Indian Institute of Management, Ahmedabad, says arhatiyas have political weight. In the Punjab, he says, about a third of them are Jat Sikhs, traditionally a farming community. Wheat and rice were also excluded because the state earns a lot of money from the mandi taxes he levies on their purchases. the arhatiyas generously earn commissions and are reluctant to let go. At 2.5%, they would have earned around 625 crore from buying wheat in the current season.

    Singh says state agencies like the Food Corporation of India (FCI) and Pungrain want to source directly from farmers but need to route their purchases through arhatiyas because they finance the elections.

    In November 2018, the government of Maharashtra withdrew a bill that would have ratified an ordinance that removed all agricultural products from the scope of its APMC law. The bill was passed by the lower house but was withdrawn by the upper house after traders from the large mandis state goes on strike.

    Mekhala Krishnamurthy, who studied regulation mandis in Madhya Pradesh and Bihar, argues that intermediaries cannot simply be viewed as special interests; they have a role to play. They give credit to farmers, whom the banks do not consider solvent. Krishnamurthy teaches economics and sociology at Ashoka University and is associated with a Center for Policy Research program on strengthening state regulatory capacity in the agricultural, industrial and social sectors.

    On the other hand, they can force these borrowers to sell to them soon after harvest when prices are low, and to pay off their debt. So just passing a law allowing big traders to buy directly from farmers will not help, if farmers are not free to borrow. It is important to separate the credit and commodity markets.

    Related news: As the Center casts the net away, the fishermen are making holes

    The regulated mandis also help with dispute resolution. When farmers sell in a regulated yard, the mandi the committee executes the payment. Such comfort is not available when they bypass it.

    Santosh Gorade, 38, an onion and grape grower from Nashik, welcomed the proposed amendments, but said traders who buy directly from farmers should be under the supervision of the local authority. mandi commission or district administration. He says a Delhi grape trader deceived him by 3.95 lakh kh in 2010. His uncle lost 2.5 lakh ₹.

    Such defects are common among winegrowers, explains Jaydutt Holkar, director of APMCs Lasalgaon and Vashi.

    Can the Center bypass states and put in place central legislation for agricultural trade?

    Singh says that agricultural markets being physical spaces are a matter of state, but commerce is in the competing list. Thus, the Center can legislate on trade outside the mandiswhether public or private. But what if the states say the mandi Cess will be payable not only on transactions within a mandi but beyond, in a notified area?

    Even if they can, large companies like Cargill India or Pepsi may not want to buy directly from large numbers of small farmers for logistical reasons. They may prefer to source from traders. Their supply may be seasonal and limited to the products of interest to them. mandi is open year round and deals with multiple products of different batch sizes.

    Rather than moving the mandis and the arhatiyas, central legislation should strive to increase competition between them. If states are bypassed and not seen as confidential, they could create obstacles.

    (This story is part of a series on Farm questions)

    (The writer is a journalist and blogger on www.smartindianagriculture.com)

    (The federal government seeks to present views and opinions from all sides of the spectrum. The information, ideas or opinions contained in the articles are of the author and do not necessarily reflect the views of the federal government)

    HECS-style loan will encourage more carbon producers: Menzies Research Center report | Katherine times

    news, national, menzies, research, center, soil, carbon, agriculture, report, hecs

    The government could encourage more farmers to take advantage of carbon cultivation, helping both their lowest dollar and the country’s emissions reduction targets, with a HECS-like loan, according to a report. The Liberal-aligned Menzies Research Center’s guidance document argues that increasing soil carbon in the agricultural sector was obvious, with financial, environmental and climate dividends. The report – From the bottom up: Unleashing the potential of soil – suggested several practical steps the federal government could take immediately that could potentially generate carbon gains in the soil in a single season. , similar to HECS loans for university students, which students only have to repay once their salary reaches a certain threshold. The loan would allow more farmers to benefit from carbon farming and would only be repayable when the return on their carbon credits reached a particular value. Right now, the start-up costs of growing carbon are a big hurdle: it costs around $ 30 / ha to measure soil carbon, but the government is working to bring it down to $ 3 / ha through to improvements in technology and data. But in the meantime, no improvement in the carbon content of the soil will be taken into account, which will deprive farmers of incentives and potential income. The HECS-type loan would allow farmers to advance baseline measurements and allow them to store sequestered carbon, the value of which can be repaid once the costs of the measurements are reduced. “The loan would act as an advance on future income received from Australian carbon credit units with repayments made as a fixed percentage,” the report says. “This in turn will make the transition to carbon farming projects for these companies more attractive when the methodologies become more exploitable. As with HECS-HELP, there is no obligation to repay the loan if the repayment threshold is met. is not met. ”The report also recommends five-year interest-free loans for“ resilient agriculture ”and the sponsorship of peer-to-peer training led by agronomists with knowledge of increasing soil carbon. Menzies Research Center executive director Nick Cater said the report was not a manifesto for revolution nor “However, we are calling for a change in mindset, recognizing that agriculture backed by strong agricultural science is the way to go. solution, not the cause, of many environmental challenges we face today “, said Mr Cater He argued that advancements in the soil carbon space would be in g Much achieved by business incentives, not government spending or regulations. “While the bulk of the work will be done by the private sector, the government can smooth the way with relatively modest investments in training, targeted grants and conditional loans, Cater said. “The biggest obstacle. to the progress of agriculture is the non-commercial failure, limitations and false incentives imposed by a poorly calibrated policy. “Recently, senior National Party politicians have called for agriculture to be exempt from any zero carbon targets. net, an idea that was strongly rejected by the agricultural sector. The policy paper, which had been in preparation for 10 months, said politicians had a responsibility to “lead a smarter debate” on agricultural and environmental policy “The current debate is sorely lacking in this regard,” said Mr Cater. “All that has been lacking in this political discussion so far is the determination to do it. re moving soil improvement from the nice-to-do plateau to the must-have plateau in the offices of policymakers, industry groups and farmers in Australia. ”Agriculture Minister David Littleproud said the government was not considering not for the moment HECS type loans for carbon reference measurements. “But obviously I think we’re happy to look at all of the proposed solutions,” Mr. Littleproud said.

    /images/transform/v1/crop/frm/GJZ5TVpAk84wrTzsQfLQRB/140188b8-7ffc-459a-ac4f-8b6725bd0f95.png/r5_0_1915_1079_w1200_h678_fmax.jpg

    Instant loan applications online: the digital mafia of the financial world

    One of the most significant rises in the dark fast-loan business was the numerous industry innovations we created throughout the pandemic that hit us in 2020. It’s simple to understand why.

    To comprehend why the demand for cheap and rapid loans is at an all-time high, we must first understand the phrase liquidity.

    Put more simply; liquidity refers to how quickly and easily an investment can be traded without affecting its value. This includes obtaining instant loans online.

    One industry that understands this principle very well is the instant loan online business. While there is no such thing as a “instant loans online come as close as you can get.”

    This is because instant loans online are essentially cash equivalents, meaning they can be easily exchanged for state-backed currency like the US Dollar or the Euro. They distribute instant loans and provide instant loans to millions of borrowers all over the world.

    Insufficient funds and the threat of a lockdown

    The ease with which an asset or security could be converted into cash without affecting its market value is termed liquidity. It is the extent to which an item can be bought or sold on the market at a cost that reflects its importance.

    Because cash can be rapidly changed into various assets, it is regarded as the asset with the highest liquidity. The availability of money was limited since individuals lost their jobs, businesses both small and large lost customers, and economic activity stopped abruptly.

    Pravin Kalaiselvan Pravin Kalaiselvan. Cashbeans is a case of this.

    In the report by HEY, Pravin Kalaiselvan, the proprietor of a travel company, has borrowed $15,000 from one of these loan programs, Cashbean, to cover for the unexpected illness of his mother. Pravin, however, committed the fatal mistake of not paying on time. The company’s recovery team was quick to collect the phone numbers and harass the borrowers.

    Rupee Bazaar killed Aravind.

    Pravin isn’t a singular case, but it’s not the most notable. Sai Aravind, a 23-year-old IT professional from Chennai who took out a loan via the money-lending application Rupee Bazaar, could not repay the loan in time. Outsourced, he was the subject of a well-planned, widespread cyberbullying campaign. Aravind has made available telephone numbers in the registration process to the Rupee Bazaar money lending application.

    The problem was that Aravind could not return the money during these times of uncertainty as the company’s recovery agents started using more sinister techniques, including making calls to random phone numbers on their contacts list and bugging them, and making various WhatsApp groups with the name “Aravind is fraud” and posting photos there.

    Aravind was discovered hanging in his room by his father a few minutes after.

    (If you’re thinking of suicide, Get help immediately.) Talk about what’s bothering you as well as what you can do about the problem. If you need help with sadness, despair, or failure:

    Aasra (NGO)

    Assistance is accessible 24 hours a day all week, at +91-9820466726).

    The vicious loops that keep popping up never seem to stop.

    Some people are dying, careers, and their money due to a loan that is as little as $5,000, according to a 26-year-old employee from a private company discovered when he obtained an immediate loan of the amount of. The loan was 10,000 through another application similar to this following the same harassment targeted at telephone numbers. I accumulated an amount of 2.5 lakhs due to being caught up in the same cycle. But when the director of his company discovered the harassment campaign, he was dismissed.

    Bhaskar - Chat with Recovery Agent Snapshot

    Let’s take a look at their legality.

    So far, we’ve witnessed three instances of how online lending platforms are more like mafia-like savage loan sharking organizations rather than civilized communities. The reason is that they’re. A majority of them operate in the absence of the regulatory framework.

    It is unclear whether these companies are in dispute since an entity can’t declare itself to be a legal cash lending service unless it comes under a bank’s jurisdiction or a non-bank financial institution (NBFC) and is, naturally, accountable to a higher standard of accountability.

    The RBI Booth and the Code of Fair Practices

    The RBI has taken steps to ease the burden by introducing an RBI Fair Code of Practice that allows banks and NBFCs the flexibility and freedom to innovate if they don’t violate the directive’s intentions. The code addresses two vital issues, like the following:

    1. Except as provided in the conditions and terms of loans sanction agreements, the lenders are prohibited from interfering in the borrowers’ matters.
    2. In the case of debt collection, lenders must refrain from excessive harassment like contacting the borrowers during odd hours or using bodily power to collect loans, and so on.

    These rules should be able to resolve the issue. Similar to other regulations that seem ideal on paper but are a nightmare to implement and are ignored by the public. The RBI did not take any position on the companies’ shady business methods. Instead, they relied on awareness campaigns for the people, like the one that is described in this press release.

    “The public is now advised not to be a victim of this kind of shady conduct and should investigate the background of any company that offers loans online or via mobile applications.” Additionally, consumers should not trade copies of KYC papers with anyone who is not known and use fraudulent or unreliable applications and report these apps and the bank account details associated with them to the appropriate police agencies.”

    Insanity, evil, and even good

    RBI should recognize that people in dire need of money will ignore such initiatives, and the RBI’s advice will be lost in the chaos of SEO efforts carried out by these online lending companies.

    It is the responsibility of the federal government and its enforcement agencies to crack down on these unlicensed and exorbitant lenders that operate on the internet. The regulator has announced the creation of a working group for digital credit, which will implement specific regulations in instant digital credit; certain first moves have been taken.

    Stay safe and informed.

    Dear reader, any decision you make today should be thought about in the long run. It’s something I’ve said before, and it’s something I’ll say again. One of the most dismal aspects is financial hardship. So stay away from the pitfalls of a hasty loan application. It’s not worth it, and it’ll almost probably cause more damage than good.

    SBI signs loan agreement of approximately Rs 1,958 crore with German Development Bank

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    The politics and economics of agricultural loan waivers

    This is in part due to the cumulative effect of bad monsoons. Farmers in many parts of India still depend on insufficient annual rains (with double digit rates) in 2014 and 2015; 2016 was still a good year.

    The commodity cycles that push global food prices up and down are also responsible. According to the Food and Agriculture Organization (FAO), at the end of 2016, food prices were at about the same level as in 2006 (they have seen a huge increase over the decade). intermediate).

    Agriculture in India remains highly regulated, with inadequate market linkages and opaque, unscientific prices. And farmers lack access and expertise in the risk management tools and techniques that can help them cope with the vagaries of nature and market shocks. Mint columnist Himanshu (he only uses one name), one of the country’s leading agricultural economists, has previously written about how India’s long decline in agriculture has forced once-dominant farming communities and prosperous such as the Jats and Patels to initiate agitations demanding reservations. in government jobs.

    Disgruntled farmers worry politicians.

    The National Democratic Alliance (NDA) government that ruled India between 1999 and 2004 suffered a shock defeat in the 2004 parliamentary elections due to the lingering effects of the 2002 drought (India received only 80% of the precipitation it usually receives during the southwest monsoon period that year).

    And populist movements directed against farmers usually translate into substantial political dividends. The United Progressive Alliance (UPA) surprised itself and everyone else by returning to power in the 2009 parliamentary elections, largely thanks to a waiver of the Rs 70,000 crore farm loan it had. announced in 2008. This waiver and Mahatma Gandhi National Rural Employment Guarantee Program, an employment guarantee program that promised 100 days of work per year to at least one adult from every poor rural household, has helped the India through the financial crisis of 2008. The rural economy continued to shine during this period, and a broader fiscal stimulus (including a cut in indirect taxes on some products) enabled the Indian economy to experience a strong V-shaped recovery.

    The growing chorus for a waiver of farm loans in Maharashtra – another once thriving farming community, the Marathas, also campaigned for student grants and job quotas – and the recent waivers of these loans announced in Tamil Nadu (around 8,000 rupees). crore) and Uttar Pradesh (approximately Rs37,000 crore) must be seen in this context.

    In addition to being an effective political weapon, the waivers promise instant relief to farmers. But they punish farmers who have been diligent in making repayments and encourage all kinds of misconduct – lax credit discipline and using borrowed funds for non-farm purposes.

    Mint’s view is that loan waivers are a bad idea. It was a bad idea in 2008. And it’s a bad idea in 2017.

    The current NDA government is, like almost all waivers to power that came before it, centrist (and leaning to the left). Before he came to power in 2014, some thought he would be more to the right (in economic policies). This belief was not totally out of place. The third edition of the NDA which ruled India between 1999 and 2004 (before it the first ruled the country for 13 days and the second for 13 months) was a progressive right-wing government. Since 2014, however, there has been enough evidence to suggest that in terms of the broader economic agenda, the current government is no different from the one before it, although less corruption and ad -hocism.

    Politically, it makes perfect sense to announce a waiver of the farm loan now, in 2017. The next legislative elections are in 2019, not too far away. From a humanitarian point of view, too, it is difficult to ignore the suffering of farmers.

    Economically, however, it is difficult to argue for a loan waiver, simply because there is no case to justify. Some experts have likened them to corporate debt restructuring exercises, but the solution to the debt restructuring deals that banks are making with corporations – the country’s largest bank, the State Bank of India, has concluded. one with Kingfisher Airlines in 2012 – lies in prevention, not in offsetting by offering similar deals to farmers.

    At another level, the solution to the agrarian crisis is better risk management and more efficient agricultural markets.

    Of course, the current government has good ideas; he launched a new crop insurance program and also sought to create a national agricultural market, but as Mint previously reported, the former is still geared towards protecting banks that provide agricultural loans versus farmers , and the second is still in its infancy. About one in four farmers are protected, and the different national agricultural markets are not yet linked (meaning that all trade takes place within each, not between them), and powerful lobbies of traders have emerged. made sure that important commodities (called bulk) don’t worry. Still, with some tweaking, both could provide at least a partial response to the ongoing agrarian crisis.

    It must be done. Loan waivers are a great stopgap, but cannot resolve the underlying issues.

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    Google Tez aka Google Pay will soon be offering instant loans to users: here’s everything you need to know

    Google Tez will now be called Google Pay.

    Google Tez is now Google Pay. At the Google For India 2018 event on Tuesday, the tech giant announced that Google Tez is getting new features and a new name. Google Tez will now be called Google Pay.

    “Other than the name, the app stays the same with all the features and functions you love. Sending a gift with a happy birthday spark or paying a merchant directly from your bank account with no fees is as quick and easy as ever” said Caesar Sengupta, vice president of Next Billion Users initiative and payments.

    But there’s a new feature – one that can prove to be quite important in the long run – has arrived in Google Pay. Google is partnering with several banks in India to provide instant loans to Google Pay users. Giving more information on the move, the company also said it was working with banks like HDFC, ICICI, Kotak Mahindra and Federal Bank to enable the feature. Although the instant loans feature has not yet been made available to users, Google explains how it will work.

    Google Pay loan: how it will work

    Google Pay Instant Loan will not work like a normal bank loan. Users will not be able to decide the loan amount. The bank will decide the loan amount for a particular user. Banks are said to have a fixed pre-approved loan limit for a particular user based on their bank account and Google Pay transaction history. More instant loans here: https://greendayonline.com/instant-loans/

    The Google Pay app will have a separate section where it will display the available loan amount, loan term, EMI amount, and date. Google will also make it easy for users to pay for the IME. Google Pay will include an automatic bill payment option on its app so that users can pay IMEs on their loan on time and not miss deadlines. Google has said it will reveal more details about the instant loan features on Google Pay in the coming days.

    READ ALSO : Google for India: Tez renamed to Google Pay, Wi-Fi station to reach more than 12,000 places in Andhra

    Google Tez is already a big hit, Google said. During Google For India, the company announced that over 22 million people and businesses use Google Tez and so far Google Pay has been used to complete over 750 million transactions since its launch. Google Tez was introduced in September of last year. “Since its launch, more than 22 million people and businesses have used Tez to complete more than 750 million transactions with a total value of over $ 30 billion. We believe that many of the innovations and features we have launched with Tez will work in other countries. To take Tez beyond India, we will unify all of Google’s payment offerings globally, ”says Sengupta.

    Click here for IndiaToday.in’s comprehensive coverage of the coronavirus pandemic.

    The FHFA revises the ceilings of multi-family loans for GSEs

    Freddie Mac Headquarters

    ➤➤ Join the GlobeSt.APARTMENTS (formerly RealShare) conference October 29-30 in Los Angeles. The event will analyze the desirability of emerging trends and conditions in the multifamily market. Be sure to join the 1000+ of the industry’s top owners, investors, developers, brokers and financiers as they come together for THE MULTI-FAMILY EVENT OF THE YEAR! Click here to register and view the agenda.


    WASHINGTON, DC – Earlier this month, the Trump administration presented a plan privatize Fannie Mae and Freddie Mac. Many of the items described required congressional action to be completed, but the plan also included administrative actions that could be taken immediately. On Friday of last week, with little fanfare or formality, the Federal Housing Finance Agency radically changed the way GSEs will lend by taking one of these steps: It revised the structure of the ceiling of the multi-family business of Fannie Mae and Freddie Mac.

    The new purchase limits for multi-family loans will be $ 100 billion for each GSE for the five-quarter period beginning from the fourth quarter of 2019 to the fourth quarter of 2020. In addition, the new limits apply to all multi-family businesses. – in other words, there are no more exclusions allowed.

    “These new multi-family ceilings close loopholes, provide sufficient market support without crowding out private capital and dramatically increase support for affordable housing from previous levels,” FHFA Director Mark Calabria said in prepared remarks. . He also warned that the GSEs had to make the capital last for the entire five-quarter period.

    The new rules can be a blow to developers who have relied on GSEs excluding green loans from their ceilings: in the future, loans that finance energy and water efficiency improvements will be considered conventional businesses, unless they meet affordability requirements. Indeed, the FHFA has put affordability at the center of GSE’s new mission, apparently crowding out, at least in part, green loans.

    Under the new directive, the FHFA requires at least 37.5% of multi-family businesses in GSEs to be affordable housing.

    It was in 2014 that the FHFA began to cap traditional multi-family loans from GSEs, excluding several categories of businesses from their ceiling. In 2016, loans that funded certain energy and water efficiency improvements were added to the list. By requiring at least 37.5% of loans to be affordable housing and removing caps, green loans are likely to feel the effects.

    Critics have argued that the cap exclusions extend the reach of GSEs by allowing them to take out more loans than the spirit of the regulations allows and indeed, the Trump administration’s proposal made this point. “Partly because of these general exemptions, caps have not been effective in limiting the multi-family footprint of GSEs. GSEs have gone from holding or guaranteeing 25% of outstanding multi-family debt at the start of 2008 to almost 40% today, ”the proposal states.

    Brazil’s central bank launches instant payments system, Pix

    BCB President Roberto Campos Neto speaking at this week’s Pix launch press conference | Credit: Banco Central do Brasil

    Brazil’s central bank this week launched a state-run instant payments platform for citizens, private sector and government entities.

    The program, known as Pix, is part of the BC # Agenda, launched 18 months ago. The Banco Central do Brasil (BCB) initiative aims to promote structural change across the financial sector to keep pace and capitalize on technological advancements.

    Pix comes under the “competitiveness” section of the BC # Agenda. The recent BCB announcement of a regulatory sandbox for new fintech initiatives is part of the same stream.

    Digital payments

    Pix transactions are carried out in two ways: via an “alias” (actually a personal code that looks like a postal code); or by a QR code (quick response). In its deployment announcement, the BCB declared that the program is an “instant, inexpensive, secure and intuitive” means of payment.

    After a few weeks of “restricted” use, Pix is ​​now free for citizens and operational in 734 organizations. These include payment institutions, banks, fintechs, credit companies, credit unions and savings and credit associations.

    As of November 15, more than 71 million Pix aliases have been registered and more than 1.9 million transactions have been completed, the central bank reported. It was worth more than BRL 780 million (about $ 144.5 million), according to the BCB.

    WhatsApp authorization “progressing a lot”

    Pix’s goal is to encourage competition in the financial sector, improve services to citizens, businesses or government entities, and support financial inclusion, the BCB said.

    It also aims to encourage digital payments which, the BCB noted, can reduce the “social cost associated with paper instruments” such as cash and checks. The central bank believes Pix will mean a “better payment experience” for the Brazilian population.

    The president of the bank, Roberto Campos Neto, told a press conference (in Portuguese) that the BCB seeks to encourage all payment methods that are competitive, inclusive and fully regulated.

    The BCB suspended WhatsApp’s payment service in June this year, just days after the Facebook-owned messaging service announced its rollout. But, this week, Campos Neto mentionned that WhatsApp would start P2P (peer to peer) payments “soon” and that its path to authorization “was going very well”.

    Pix open for expansion

    From next month, a new window will open for other institutions and organizations to join Pix. Organizations wishing to participate must apply and register with the BCB to initiate the authorization process.

    Stilt Launches Instant USD to INR Transfer with Industry’s Best Exchange Rates

    Stilt, a leading neobank for immigrants, has launched a new feature called “Instant Remit” which allows Stilt loan users to remit their loans immediately. Once the loan is approved, Stilt users can choose to send it to their account or to their family at home without leaving the Stilt app.

    Stilt Launches Instant USD to INR Transfer with Industry’s Best Exchange Rates

    Stilt, a leading neobank for immigrants, has launched a new feature called “Instant Cash Back” which allows Stilt loan users to remit their loans immediately. Once the loan is approved, Stilt users can choose to send it to their account or to their family at home without leaving the Stilt app.

    The ‘Instant Remit’ feature is available to all Stilt chequing account holders. It takes five minutes to open a checking account and users get a free debit card. Stilt chequing accounts are accessible from the web and mobile applications. The feature is available in all 50 states of the United States.

    Stilt users can transfer up to $ 30,000 at a time, which is the highest among all other providers. Stilt worked on unique KYC requirements with its partners to enable instant verification to unlock a higher transfer limit.

    Previously, immigrants had to take out a loan and transfer it to their checking account through ACH, a process that takes two or three days. Then users will have to use an expensive money transfer service to transfer the funds, adding three more days. With Stilt, the transfer starts instantly after the loan is disbursed.

    The company’s mission is to democratize access to quality, affordable financial services for 45 million immigrants to the United States. With this launch, Stilt takes another step towards building a financial center for immigrants.

    Stilt says there are over 150,000 users on the platform who are eligible to access checking accounts and remittances directly from the Stilt app.

    “With Stilt Instant Remit, I was able to send $ 5,000 within hours to my parents in India for an emergency. I got the best exchange rates compared to banks and other services. I’m so happy that Stilt was able to help me at the right time, ”says Karthik, a Stilt user from Texas.

    Rohit Mittal, Co-Founder and CEO of Stilt, said: “We are excited to launch the ‘Instant Remit’ feature which helps thousands of our clients instantly transfer their loan to their home country. clients to pay off student loans, send money for medical emergencies, weddings, and general assistance. We can’t wait for millions of immigrants to use it. “

    Stilt also plans to launch additional products that will improve financial inclusion and make the products more affordable to the general public.

    Stilt is funded by Y Combinator and has raised over $ 240 million so far, including debt and equity. Stilt Checking Accounts are provided by FDIC member Evolve Bank and Trust.

    This story is provided by Digpu. will in no way be responsible for the content of this article. (/ Digpu)

    (With entries from ANI)

    Disclaimer: This article was posted automatically from an agency feed without any text changes and has not been reviewed by an editor

    ED Scanner Instant Loan Application Fraud – The New Indian Express

    Through PTI

    NEW DELHI: The ED brought under its scanner the suspected cases of instant loan sanction fraud via mobile apps, recently reported by Telangana and Tamil Nadu, as part of its investigation into money laundering in a Online betting valued at over Rs 1,100 crore, official sources said on Monday.

    At least five people, including a software engineer, are said to have ended their days in Telangana after being harassed to repay loans granted in alleged violation of regulatory guidelines to gullible and needy victims facing economic hardship.

    Telangana police have filed at least 50 cases and arrested 29 people, including three Chinese nationals, to date.

    Chennai police also arrested two Chinese nationals and as many Indians recently after a plaintiff informed cops that he had been the victim of agony, abuse, threats and harassment by companies in the Chennai region. ‘online loan applications for repayment with high interest rate.

    Official sources indicated that the Directorate of Execution (ED) had “broadened” its investigation to investigate these FIRs and the complaints filed by the two state police departments.

    He investigated a case of online betting scam, allegedly carried out with the connivance of certain Chinese nationals, valued at over Rs 1,100 crore.

    The online betting affair dates back to August last year when the central investigative agency carried out several searches across the country of the head offices of certain companies, their directors and chartered accountants, which allegedly involved in the illegal exploitation of online betting applications on websites, are hosted outside India and operated by Chinese nationals.

    The ED case was based on a Telangana Police FIR that was filed against Dokypay Technology Private Limited, Linkyun Technolgy Private Limited and others.

    Southern state police also arrested three people, including a Chinese national, in this regard.

    The three men were subsequently arrested by the ED also under the Prevention of Money Laundering Act.

    The ED said these companies have moved funds worth millions of rupees across the coast using the “lax regulatory” mechanism of online wallets and this is where the angle of money laundering is. money appeared.

    The ED will now investigate the instant loan application case as well as the online betting case, as both have a more or less similar modus operandi of cheating people and moving large funds. to foreign coasts, including China, through illegal remittances and “hawala” transactions, officials mentioned.

    According to Telangana Police, the loan companies, through instant loan apps, offered loans to individuals, charged huge interest and processing fees, among other things, and resorted to systematic abuse, harassment and threats. defaulters via call centers.

    Telangana police also said they have received several complaints that these companies obtained sensitive data such as contacts, photos from customers’ cellphones and used it to defame or blackmail them to secure repayment of loans.

    A statement from the Hyderabad police said that a preliminary investigation into these financial transactions revealed that around 1.4 crore of transactions worth nearly Rs 21,000 crore had taken place so far.