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State abortion bans face legal challenges after Supreme Court ruling on Roe v. Wade


Judy Woodruff:

When the Supreme Court overturned Roe v. Wade, the battle over abortion rights has moved to the state level. Now, abortion services are completely banned in seven states, and bans will soon go into effect in four others with so-called trigger laws.

President Biden in a meeting with nine Democratic governors this afternoon to discuss it all said – quote – “I think people are going to be shocked when the first state tries to arrest a woman for crossing a border state to get health services. I don’t ‘I don’t think people believe it’s going to happen, but it’s going to happen.”

The legal battles over state laws have already begun. Courts suspended groups and three states this week. And, in some states, abortion providers have been puzzled by conflicting laws and shifting leadership from leaders.

Cary Franklin joins me now to discuss the country’s new patchwork of laws. She is faculty director of the Center on Reproductive Health, Law & Policy at the UCLA School of Law.

Professor Cary Franklin, welcome to “NewsHour”.

I think a number of people are watching the – what they think might happen after Roe v. Wade. They think that the coasts of the country are wide open to abortion, but not the center of the country and the south. Is this roughly what the country will look like now?

Cary Franklin, UCLA School of Law: That seems to be what it will look like.

We see Roe interrogating the red states and the more distant blue states, in the sense that the answer, as we knew, in the anti-abortion states would be to enact more laws and more restrictions, but also, in the states of reproductive freedom, blue states, we are also seeing a lot of legislation to amplify protections and increase funding for care.

So where you live in this country is extremely important to your rights and will be even more so in the future.

Miles Bridges’ wife posts photos of his apparent injuries on social media after Charlotte Hornets forward was arrested in Los Angeles

Johnson described the injuries she says she suffered to her nose, wrist, ear and neck ‘from being suffocated until I fell asleep and from a severe concussion’ in Friday’s Instagram post.

“I hate that it’s come to this, but I can’t shut up anymore. I allowed someone to destroy my home, abuse me in every way possible and traumatize our children for life,” he said. she wrote in the message accompanying the images. .

“I have nothing to prove to the world, but I will not allow anyone who might do something so horrible to have any remorse and paint a picture of something I am not. I will not allow people around him to keep shutting me up and keep lying to protect that person.”

One of the images uploaded to Instagram appears to be a discharge document from a hospital emergency department. He describes Johnson as an “adult victim of physical abuse by a male partner” and “strangulation assault”.

According to the document, his diagnosed injuries included a closed fracture of his nasal bone, bruised ribs, multiple bruises and neck muscle strain.

In the Instagram post, Johnson also said she was “scared and hurt for my kids who witnessed it all.”

Johnson’s husband, Bridges, 24, was arrested and charged Wednesday in Los Angeles, according to the Los Angeles Police Department.

Bridges was “arrested for a criminal violation of Penal Code Section 273.5(a), Intimate Partner Violence with Injury” related to an incident that occurred on June 27, according to an updated press release issued Friday.

CNN reached out to Bridges’ representation for comment, but did not receive a response.

Asked about the footage and the allegations, NBA spokesman Mike Bass told CNN, “We are in the process of gathering more information.”

Bridges’ bail was set at around $130,000 and he has since been released, according to prison records.

“The Charlotte Hornets are aware of the situation involving Miles Bridges. We are gathering additional information. We will have no further comment at this time,” the team said in a statement earlier this week. .

Bridges was drafted by the Hornets in the first round of the 2018 NBA draft at Michigan State and is coming off his best professional year. He was expected to become a restricted free agent this offseason.

According to the prison file, Bridges’ next court date is scheduled for July 20.

CNN’s Homero De la Fuente contributed reporting.

Lower court orders plea notice against AIADMK General Council meeting on July 11


Damodaran, Deputy Judge XXIII, Attached to the City Civil Court, ordered the notice when the supplementary affidavit filed by S Suriyamoorthy of Avilipatti Village in Dindigul District was heard today.

The petition, describing OPS as a former party treasurer and EPS as the party’s former district secretary, urged the court to stop them and others from calling the July 11 general meeting or any other date.

Suriyamurthy initially filed a petition in the city’s civil court to block the meeting scheduled for June 23.

He maintained that neither OPS nor EPS, declared respectively elected coordinator and co-coordinator of the
The AIADMK, in a meeting held in 2017, had the right to hold the meeting on June 23, as their election itself was illegal and against the party constitution. No civil court had endorsed their election. Even the Election Commission of India gave no permission for this, he claimed. The June 23 meeting was contrary to the party’s constitutional provisions and should therefore be suspended, he added.

However, assistant judge IV had, on June 16, refused to grant any reprieve.

Today, Suriyamurthy filed the additional affidavit to prevent those affected from holding the GC meeting on July 11 on any other date.

Consumer Financial Protection Bureau Shared Regulatory Program


Last week, the Consumer Financial Protection Bureau (CFPB) quietly released its Spring Regulatory Agenda, which sets out five rules that the CFPB expects to complete by May 31, 2023. Unlike in the past, the CFPB has no not issued a press release or publication. the agenda on its website. As required by law, the CFPB submitted the agenda to the Office of Budget and Management, which then published it.

The five rules are:

  • A rule implementing Section 1033 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), which requires a covered entity (such as a bank) to update the provision to consumers upon their request of transaction data and other information regarding a consumer financial product or service that they have obtained from the covered entity. The CFPB issued a Notice of Proposed Rulemaking in November 2020 regarding the implementation of Section 1033 and seeking comment.

  • An interagency rule (with other federal bank agencies) to implement a Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) amendment under the Dodd-Frank Act regarding Automated Valuation Models (AVMs) ). The FIRREA amendment requires implementing regulations for AVM quality control standards. These standards are designed to ensure a high level of confidence in the estimates produced by AVMs, to protect against data manipulation, to avoid conflicts of interest, to require random sample testing and examinations, and to take into account any other factors as the agencies deem appropriate. .

  • A rule to implement section 1071 of the Dodd-Frank Act relating to the collection of data for loans owned by women, minorities and small businesses under the Equal Employment Opportunity Act credit. The CFPB published a regulatory proposal to implement Section 1071 in October 2021. This regulation is being watched very closely by the financial services industry and has been the subject of much discussion. The CFPB’s next action is the publication of the final rule, which it plans to publish by March 2023.

  • A rule implementing a provision of the National Defense Authorization Act, which was enacted in December 2021, which amended the Fair Credit Reporting Act to prohibit consumer reporting agencies from providing a consumer report containing any adverse information about a consumer resulting from a serious form of human trafficking or sex trafficking if these documents were provided to the consumer reporting agency.

  • A rule to implement Section 307 of the Economic Growth, Regulatory Relief and Consumer Protection Act, which amended the Truth in Lending Act (TILA) to require the CFPB to prescribe Property Assessed Clean Energy (PACE) financing regulations. As defined in Section 307, PACE financing results in a tax assessment on a consumer’s real estate and covers the costs of home improvements. Required regulations must achieve the objectives of TILA’s Repayment Capacity Requirements (ATRs), currently in place for residential mortgages, with respect to PACE funding and enforce TILA’s general liability provision for breaches of the requirements. ATR that the CFPB will prescribe for the financing of PACE.

In a June 17 blog post titled “Rethinking the Approach to Regulation,” CFPB Director Rohit Chopra noted that, among other actions, the CFPB is reviewing a slew of rules issued over the past the previous decade that have been “tested in the market for many years”. years old and need a new look,” and specifically refers to the qualified mortgage rule. The CFPB’s regulatory program did not include any reference to any regulation associated with the qualified mortgage rule amendment.

© 2022 Jones Walker LLPNational Law Review, Volume XII, Number 181

Curry College hate investigation leads to employee firing – The Currier Times


By Currier Times Staff ////

In an email to the Curry College community, college president Kenneth Quigley announced the firing of a Curry employee in connection with a series of hateful incidents that rocked the campus during the semester of spring.

Quigley said in the email that due to privacy concerns, the “person of interest” in the crimes will not be named, but has been removed from campus.

Over a series of months, hate crimes against the Jewish, LBGTQ+, and Black population have occurred in various locations on campus, including residence halls, campus athletic facilities, and bathrooms. A campus-wide meeting was held where thousands of people attended an online conference to voice their concerns about the crimes and consider what steps could be taken to end them.

The college worked with the FBI, Milton Police, and former Boston Police Commissioner Ed Davis to investigate who was behind the crimes.

Here is the full email to the Curry community:

“Dear members of the Curry community,

I am writing to inform the Curry College community of the series of bias incidents that plagued our campus and staff this past semester. Curry College is grateful for the strong response and commitment of resources from the FBI, the Joint Terrorism Task Force, the Milton Police Department, and the Curry College Department of Public Safety.

The results of the investigation to date and the evidence provided to us by the FBI, the Joint Terrorism Task Force and the Milton Police Department formed the basis of an internal investigation by the College and helped inform this investigation. Law enforcement has shared their view that evidence gathered through the ongoing investigation points to a person they believe to be the perpetrator of these incidents.

The College carefully reviewed the evidence collected by law enforcement and interviewed the person of interest identified by law enforcement investigators and others who may be linked to specific incidents. The outcome of our independent investigation resulted in the termination of an employee and his expulsion from our community. The College’s statement on non-discrimination requires confidentiality related to investigations. So this is the only information we can provide at this time.

We recognize and regret the impact these acts of bias have had on our students, families, faculty, and staff throughout the spring semester and hope this will allow us to continue moving forward. We hope this will put an end to the series of events that we have all suffered. I want to thank our community members again for their collective response in support of one another.


Ken Quigley”

Mapan Secures US$15 Million from Global and Indonesian Investors in Series A Funding Aimed at Improving Financial Access for Indonesians

  • Indonesian giants’ participation in the A-series round saw PT Astra Digital Internasional, a subsidiary of PT Astra International Tbk (Astra)Blibli, BRI Ventures, SMDV and Prasetia Dwidharma, as well as global venture capital firms Patamar Capital, Flourish Ventures and 500 Global

  • New funds will be deployed to grow the product line, expand customer reach and drive financial inclusion through the introduction of products that remove barriers and provide access to finance

SINGAPORE, June 28, 2022 /PRNewswire/ — Mapan, a IndonesiaA leading startup based on breaking down barriers to financial access for the nation’s masses, today announced that it has successfully closed a Series A of $15 million. The round was co-led by Patamar Capital and PT Astra Digital Internasional, a subsidiary of PT Astra International Tbk (Astra), with participation from Indonesian giants BRI Ventures, SMDV, Blibli, Prasetia Dwidharma and global venture capital firms Flourish Ventures and 500 World.

With this successful fundraising, Mapan will now seek to develop its core Arisan service by expanding its product line and partnering with top vendors. An aspect of Indonesian culture, Arisan is a form of informal social gathering, where members take turns buying goods for the group. The company will also introduce a wider variety of Arisan programs and expand its reach, aiming to make its digitized Arisan product accessible to 10 million homes worldwide. Indonesia by 2026. In its aim to foster financial inclusion in the country, where 51 percent[1] of adults in Indonesia do not have access to banks or other forms of formal financial services, Mapan will also introduce other products to enhance financial inclusion and improve access to sources of finance for the masses.

Since 2015, Mapan has also focused on empowering women leaders of Arisan groups, which are traditional women-led rotating savings groups, through the introduction of its Arisan app. Through the recruitment of women leaders and influencers as agents and creators of Arisan groups, Mapan has provided affordable asset financing to over three million households to date. Influential women and leaders of Arisan de Mapan groups can also count on additional benefits, such as commissions on product sales, incentives for recruiting and training new agents and other performance milestones, thus bringing financial equality for women from low-income families in Indonesia.

“In Indonesia, women play a key role in managing their family’s finances, and Arisan is the manifestation of this process. We are honored that through the Mapan Arisan product, they have been empowered to help their communities improve their capacity to purchase household goods, improving their quality of life. We are committed to continuing to work closely with them to scale our solutions that provide life-changing financial access at scale,” said Ardelia Apti, new CEO of Mapan.

Mapan was founded in 2009 with a mission to improve the quality of life for the masses Indonesia through solutions that will help remove barriers to financial resources for low-income communities. Through the use of Mapan’s Arisan product, low-income groups can increase their purchasing power to buy household goods such as kitchen utensils, electronics and furniture. The company also currently provides other products and services such as bill payment app, Mapan Pulsa, and consumer goods reselling platform, Mapan Mart.

Director of Astra Gidion Hasan said, “In line with Astra’s goal of prospering with the nation, Astra wants to help improve the quality of life for the people of Indonesiaone of which is to contribute to the advancement of indonesia Digital Economy. Collaborating with Mapan is one of our ways to empower people from all walks of society to meet their daily needs.”

“We love Mapan’s unique approach to amplifying the power of women in communities. The concept of Arisan has been central to Indonesian culture for many years, and by digitizing it, Mapan has brought scalability to the practice We are excited to play our part in Mapan’s next phase of growth as it seeks to improve financial access and quality of life for Indonesians.” Dondi HanantoPartner at Patamar Capital.

On the sidelines of this fundraising, the firm recently announced the appointment of Ardelia Apti as Chief Executive Officer (CEO). Ardelia and its team are committed to delivering on Mapan’s promise to improve the lives of Indonesians through technology, while driving the company’s expansion and product development.

Prior to Mapan, Ardelia Apti gained extensive business experience in the fintech and deep tech space. She spent 5 years at Gojek, which is part of the GoTo group, in several roles. While at Gojek, Ardelia co-built its Swadaya program, a benefits program for Gojek driver-partners that helps them save on day-to-day expenses, and also led GoPay’s offline payments business. , piloting QR payment solutions for consumers, businesses and MSMEs. She was also previously a national director for artificial intelligence firm Element, Inc. and a consultant at McKinsey & Company.

Aldi Haryopratomo, Founder and Board Member of Mapan, said, “With this new fundraising from a strong base of Indonesian and global investors, we are excited about the new phase that is now ushered in. This represents support for Ardelia’s vision to build a community of women to ensure Indonesian families become financially self-sufficient, and we are excited to move this project forward. »

Mapan currently operates in Java, baliSumatra, Nusa Tenggaraand Sulawesi, and plans to expand its operations in the rest of the Indonesia.

About Mapane

Founded in 2009, Mapan (PT Ruma) is on a mission to increase access, quality of life and income for the people of Indonesia through technology. Through 1 app, Mitra Usaha Mapan can access various products and services to earn income and start a business. Mapan has reached over 3 million members who have joined Mapan Arisan, Mapan Pulsa and Mapan Mart services spread across almost all districts and cities in Java, bali, Sumatra, and Sulawesi. As we move forward, Mapan has the vision to be able to reach all parts of Indonesia to help millions of Indonesian families achieve a better quality of life. Users can now access Mapan products and services through the Mapan app. The Mapan application is available on the Google Play Store. Visit www.mapan.id, www.facebook.com/MakinMapanor on Instagram @MakinMapan for more information.


View original content: https://www.prnewswire.com/news-releases/mapan-secures-us15-million-from-global-and-indonesian-investors-in-series-a-funding-aimed-at-improving – financial-access-for-indonesians-301576753.html





AS OF JULY 14, 2022

RADA Electronic Industries Ltd. Shareholders:

This is to inform you that our 2022 Annual General Meeting of Shareholders, or Meeting, scheduled for June 30, 2022, has been postponed to 10:00 a.m. (Israel time) on Thursday, July 14, 2022, in accordance with Israeli law allowing for such additional deferral. The Meeting will be held at our offices at 7 Giborei Israel Street, Netanya, Israel, for the following purposes, which remain unchanged:


to re-elect five (5) directors, each for a term expiring at our 2023 annual general meeting of shareholders;


approve terms of service, including the granting of stock options to certain directors;


approve the allocation of options to purchase our shares to Mr. Yossi Ben Shalom, Chairman of our Board of Directors;


approve a grant of options to purchase our shares to Mr. Dov Sella, our Chief Executive Officer;


approve a grant of options to purchase our shares to certain members of senior management; and


to ratify and approve the reappointment of Kost Forer Gabbay & Kasierer, Registered Public Accountants, a member firm of Ernst & Young Global, as our independent registered public accountants for the year ended 31 December 2022 and to authorize our Board of Directors to determine their compensation based on the recommendation of our Audit Committee.

In addition, our audit report and consolidated financial statements for the year ended December 31, 2021 will be reviewed and discussed at the Meeting.

Shareholders of record at the close of business on May 16, 2022 are entitled to receive notice of and vote at the Meeting, and whether or not you plan to attend the Meeting, you are requested to complete, promptly date and sign the power of attorney card mailed to you.


If your shares are registered directly in your name with our transfer agent, American Stock Transfer & Trust Company, LLC, or AST, you are considered, with respect to such shares, to be a registered shareholder, and the proxy documents have been sent directly to you by us.

If your shares are held in a brokerage account or by a trustee or nominee, or through a member of the Tel Aviv Stock Exchange or TASE, you are considered the beneficial owner of the shares held at ” street name” and such proxy documents are sent to you together with a voting instruction form by the broker, trustee or TASE Member holding your shares, or by an agent engaged by them, explaining how to direct the broker , trustee or agent to vote your shares. You are also invited to attend the meeting, but since a beneficial owner is not the registered shareholder, you cannot vote those shares directly at the meeting unless you obtain a “legal proxy” from the broker. , trustee or nominee who holds your shares. , entitling you to vote the shares at the Meeting or, if your shares are held by a member of the TASE, provide a certificate from your bank or stockbroker showing the number of shares you hold on the date of ‘registration.

If your shares are held through the Israeli Registrar for trading on the TASE, you must deliver or send (by registered mail) your completed proxy to our company offices, together with proof of ownership issued by your broker (ishur baalut), as of the date of recording. Alternatively, you can vote for our company’s common stock electronically through MAGNA, the Israel Securities Authority’s electronic voting system, until 11:59 p.m. (Israel time) on July 11, 2022. You should receive electronic voting instructions from your broker. .

Each Ordinary Share entitles the holder to one vote on each of the questions to be presented to the Meeting. The affirmative vote of the holders of the majority of the voting rights represented and voting on each of the proposals in person or by proxy is required to approve each of the proposals, except that the approval of proposal 4 requires that the affirmative vote of the Ordinary The shares must either comprise at least a majority of the ordinary shares voted by shareholders who are not controlling shareholders and who have no personal interest in the approval of the proposal, or the total of the shares of the shareholders without controlling and disinterested shareholders voting against the proposal shall not represent more than two percent of the outstanding Common Shares.

We distributed a proxy statement (which included the complete version of the proposed resolutions) and a proxy card to all shareholders. Shareholders may also view the proxy statement on our website at www.rada.com, on the distribution site of the Israel Securities Authority at www.magana.isa.co. il, the filing site of the Tel Aviv Stock Exchange at www.maya .tase.co.il, the filing site of the Securities and Exchange Commission, or SEC, at www.edgar.gov, or at our principal executive offices at 7 Giborei Israel Street, Netanya, Israel, upon prior notice and during normal working hours (telephone number: +972-76-538-6200) until the date of the Meeting.

By order of the Board of Directors,

Yossi Ben Shalom

Chairman of the Board of Directors

June 28, 2022

Erdogan and Biden discuss relations and NATO summit agenda


A phone call between Turkish President Recep Tayyip Erdogan and his US counterpart Joe Biden touched on regional issues and issues regarding Turkey-US relations, according to a statement from Turkey’s communications directorate.

Turkish President Erdogan suggested there was a possibility of a meeting between him and US President Biden. (AA)

Turkish President Recep Tayyip Erdogan and his American counterpart Joe Biden discussed several issues, including a meeting of NATO members in Madrid, by telephone.

“The call touched on regional issues and issues regarding Turkey-US relations,” a statement from Türkiye’s communications department said after Tuesday’s call.

The two leaders also exchanged views on the agenda for the June 28-30 summit of NATO countries, he added.

“We had a meeting with Mr. (US President Joe) Biden this morning. He expressed his desire to meet again tonight or tomorrow. We replied to him that it is possible to meet again,” Erdogan told Ankara, speaking to reporters before flying to Madrid.

According to a White House statement, Biden “looks forward to seeing President Erdogan at the NATO summit in Madrid, where leaders will discuss the implications of the Russian invasion of Ukraine for transatlantic security and other threats against the Alliance such as terrorism, as well as to take historic decisions aimed at strengthening the collective defense and security of the Alliance”.

READ MORE: Ankara wants ‘results’ not ‘verbiage’ from Sweden and Finland on terror groups

Crucial meeting

Later on Tuesday, the Turkish president will take part in a four-way meeting with Finnish President Sauli Niinisto, Swedish Prime Minister Magdalena Andersson and NATO Secretary General Jens Stoltenberg.

The talks are expected to focus on offers from the Nordic countries to join the 30-member military alliance.

Sweden and Finland formally applied to join NATO last month, a move prompted by Russia’s offensive against Ukraine, which began Feb. 24.

But Türkiye, a longtime member of the alliance, has voiced objections to offers of membership, criticizing countries for tolerating and even supporting terror groups.

Erdogan said Ankara expects to see actions rather than empty words from Sweden and Finland on terror groups.

Türkiye’s concerns ‘all legitimate and must be taken into account’, says NATO chief

Source: AA

June 19 – June 25 – Oswego County Today

Chart from the Oswego County weekly summary today by Fred Reed.

OSWEGO COUNTY – Oswego County Today features top stories from the past week.

Fulton Town News:

  • Fulton Common Council met on Tuesday, June 21, when it passed resolutions regarding improvements to the waterfront canal at Davis Standard. Full story here.
  • Oswego Industries Inc., a Fulton-based nonprofit agency that supports adults with developmental disabilities, has hired a new team member and welcomed two former team members to the agency. Full story here.
  • Penny Halstead is a 2022 Fulton Block Builder (FBB) Block Leader and was moved when she heard about the work the Fulton American Legion was looking to do. Full story here.

News from the City of Oswego:

  • Fitzhugh Park Elementary School will have a new principal for the 2022-23 school year; Oswego City School District Superintendent Dr. Mathis Calvin III welcomes new principal Amy Molloy to last week’s school board meeting, Tuesday, June 21. Full article here.
  • The past two years have offered a variety of challenges for schoolchildren, so it’s more important than ever to help children avoid the “summer slide” – while enjoying this break – said faculty member Michelle Storie. counseling and psychology services from SUNY Oswego. Full story here.
  • Summer readers are sure to enjoy a good book when the Oswego Bookmobile visits their neighborhood this summer. The Bibliobus program begins on July 5, 2022 and ends on August 19, 2022. Full article here.

Oswego County News:

  • The Oswego County Legislature passed a resolution to donate 20 body armor to Ukrainian aid workers at a special meeting in April. Full story here.
  • The Winona Forest Recreation Association, widely known for running races in the forest on the western shoulder of Tug Hill, shared the fun of cycling the myriad trails with a diverse group of outdoor enthusiasts on Saturday June 18th. Full story here.
  • On Wednesday, June 22, Hastings State Police arrested a woman in Central Square following an investigation into a fatal car crash in April. Full story here.
  • The Village of Pulaski, New York, celebrated a newly created tradition on the evening of Thursday, June 23, gathering on the streets of the small town to celebrate the class of 2022 from Pulaski Academy and Central School. Full article here.
  • Summer is here and the Oswego City-County Youth Office still has a few spots available for the 2022 season at Camp Hollis. Residential campers, ages 8-14, will enjoy a fun week-long, overnight camping experience on the shores of beautiful Lake Ontario. Full story here.
  • Acting Oswego County STOP-DWI Coordinator Robert Lighthall announced that Oswego County Police Departments will participate in a special statewide effort to raise awareness of the dangers of impaired driving . The STOP-DWI high-visibility engagement campaign will begin Friday, July 1 and run through Tuesday, July 5. Full article here.

More news can be found in the links below:

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Council Weigh Ordinance to Regulate After Hours Clubs | Government and politics


SIOUX CITY — Sioux City Council will be asked Monday to pass an ordinance that would require after-hours clubs within city limits to be permitted.

The ordinance would allow the city to regulate venues that operate between 2 a.m. and 6 a.m. for the purposes of “entertainment, social gathering, dancing, live or recorded music, or games of skill or chance. “. In recent years, these types of clubs have been the scene of multiple shootings and other criminal activities.

In the early morning hours of October 10, officers were dispatched to a gun call at an after-hours club at 427 Pierce St., where they found a man with a gunshot wound potentially fatal to the upper body. Shortly after, three more victims arrived at the hospital with non-life-threatening injuries. The shooting was the result of an argument between two groups of people at the club, which has since closed, according to police.

“We’ve had homicides. We’ve had shootings. Physical disorders are quite common. There have been allegations of gambling and drug use and/or dealing in these places,” the police detective from Sioux City. Josh Tyler told the Journal.

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Tyler said he only knows of one after-hours club in the city. But, he said, the city had as many as three clubs open after hours at the same time.

If the proposed order is passed, existing clubs will be granted a temporary license to continue operating for 180 days after the order takes effect. Then they should comply and abide by the order.

“Right now we have a business that’s trying to operate within that. It has nothing to do with that particular business,” Tyler said of the order’s recommendation. “Nationally, (clubs after hours) are problematic during those hours. It’s more of a preventative measure.”

Tyler compared the operation of clubs after hours to a “house party”. Since there is no specific ordinance in place to regulate them, clubs are not subject to the same checks and balances as establishments that have liquor licenses.

“Right now they’re not as problematic as they used to be. For a while I’d say they were a regular problem for the night shift (officers),” Tyler said of the clubs. after office hours. “You find that it’s usually the same group of people who run them. It’s a group of four or five people who, ‘Today is my club’ and then, ‘Next month, that’ is your club.'”

Under the proposed order, owners of after-hours clubs would be required to pay $175 to apply for or renew a license, which would be valid for a period of one year. As a condition of the application, the owners would agree to allow the city’s inspection services and fire departments to inspect the premises to confirm compliance with city code standards. Licensees should also carry liability insurance.

Police officers would be allowed into clubs during opening hours to confirm liquor laws were being followed. According to the city code, the consumption of alcoholic beverages in premises accessible to the public is prohibited from 2 a.m. to 6 a.m. on weekdays and Saturdays, and from 2 a.m. to 8 a.m. on Sundays. No one under the age of 21 would be allowed in an after-hours club during opening hours. Clubs could not be located in areas of the city that are zoned residential or operate in licensed premises.

A club open after hours in violation of the ordinance would be declared a “nuisance” and the owner of the premises in which it operates would be guilty of a municipal offence, according to the proposed ordinance. Its license would be suspended if the licensee or the licensee’s employee, agent or contractor commits a “specific criminal incident” at the club or “recklessly permits” to occur there, or is ordered to reduce a nuisance to the club.

The license of an after-hours club would be revoked if the licensee or the licensee’s employee, agent or contractor committed or knowingly permitted another to commit murder or intentional homicide. The license would also terminate if the club’s license had been suspended within the previous 12 months and the licensee or the licensee’s employee, agent or contractor again commits a criminal incident or knowingly permits produce.

Under the proposed order, the city manager would issue a letter of intent to deny, suspend or revoke the license of an after-hours club. Licensees would be allowed to request a hearing to challenge any denial, suspension or revocation within 20 days of the date of the letter.

Holiday moves meeting for county supervisors | Local News


Due to the 4th of July holiday, the Halifax County Board of Supervisors meets a week early Monday (today) for its regular monthly meeting.

The meeting is scheduled for 6:30 p.m. at the Mary Bethune office complex in Halifax.

When the supervisors meet, the public will have the opportunity to weigh in on the potential disposal of county-owned property on Plywood Trail and an unused portion of the fairgrounds lot.

The properties available for disposal are PRN 26305, approximately 24 acres, located on Plywood Trail; part of PRN 33430, approximately 36 acres, also located on Plywood Trail; and a portion of PRN 14195, approximately 100 acres, which is located adjacent to Route 360 ​​and is an unused portion of the Fairgrounds parcel.

On May 31, the Buildings and Grounds Committee declared the properties potential surplus and on June 6, supervisors ordered publication and notice of the public hearing to receive comments.

Following the public hearing, supervisors should review the process to follow if the property should still be considered for potential disposal.

This process could be sealed offers, a letter of interest/request for proposal or a negotiated sale with any interested party.

Also on Monday evening, supervisors are due to consider a recommendation from the finance committee regarding the disbursement of funds from the Waterstrider Solar project grant.

The committee recommended that $110,000 be donated to the North Halifax Volunteer Fire Department for the purchase of an ambulance; $100,000 to be donated to the Economic Development Encouragement Fund; an additional $110,000 to be paid to the county’s 11 volunteer fire departments divided into $10,000 each excluding NHVFD; $10,000 be donated to the Brookneal Volunteer Fire Department; $50,000 to go to the Fire/EMS Training Reimbursement Fund; $100,000 to donate to EMS/Rescue personnel; and $95,000 to be used for the communications tower generator match and site work.

The committee also recommended transferring the remaining $425,000 to a reserve fund to be used for future EMS needs or as directed by the board.

Other new business includes the review of a staff recommendation to initiate a zoning change to properties on Halifax Road and Avondale Drive.

Owner Melvin Stevens has been notified by letter that his property, located at 1056 Avondale Drive, and other adjacent properties may be “erroneously zoned” as B-2, Commercial.

Stevens currently has his house for sale and upon searching his property with Halifax County zoning maps, it was determined that the property was zoned commercial and not residential. Stevens, nor his family, recall asking for or receiving a zoning change notice. Other adjacent landowners were also unaware of a change in zoning classification.

A B-2, Commercial zoning district does not permit the construction or placement of a single-family home, and furthermore, does not permit any additions or alterations to an existing home located within a Commercial zoning district.

County staff believe this identification of this property as B-2, Commercial was made in error and was not requested. In 2016 the Southside Planning District used an existing map to create a zoning layer on Halifax WebGIS, which is the county’s official zoning map. Speaking with SPDC, this map is no longer in their possession and it is believed that the current electronic GIS map may simply be incorrect.

Therefore, in an effort to rectify the problem and adjust the zoning from B-2, Commercial, to R-1, Residential, supervisors should consider initiating a zoning change for eight parcels, 23623, 11122, 11121 , 11124,27148, 27149 , 27150 and 9544.

The supervisor must also review a framework agreement containing the terms of acceptance of Commonwealth of Virginia State Aviation funding for capital, plant and equipment, security, maintenance and promotion of aviation.

Also of consideration is the Department of Behavioral Health and Developmental Services performance contract for FY22-23.

Supervisors are also instructed to consider awarding selection for county meeting room audio and visual services to Exclusive Technologies. The other provider was Justice AV Solutions.

The approximate cost of turnkey work is $58,000 with no recurring costs; and supervisors plan to use American Rescue Plan Act funding for this.

County staff also contacted two vendors for the County’s RFP for airport consultant services for William Tuck Airport. These suppliers were Delta Airport Consultants and Parrish & Partners.

Staff recommends the selection of Parrish & Partners as County Airport Consultant for a one-year term with up to four additional one-year terms.

An update on the Blue Ridge Rock Festival to be held Sept. 7-11 at VIRginia International Raceway is also scheduled for Monday’s meeting, along with an update on the status of opioid regulations.

Restoration of shellfish harvesting in Coles Bay on agenda at North Saanich-Pauquachin First Nation meeting – Vancouver Island Free Daily


Efforts to restore shellfish harvesting in North Saanich’s Coles Bay are progressing, beginning with an upcoming meeting between representatives from North Saanich and Pauquachin First Nation.

North Saanich council on Monday, June 20, unanimously asked staff to schedule a partnership meeting with Pauquachin and draft a memorandum of understanding.

The move comes after the local First Nation signaled its desire to resume shellfish harvesting in Coles Bay. In 2020, the Pauquachin First Nation asked the municipality to investigate what it can do to regulate pollution entering the bay, after previously identifying on-site residential septic systems in North Saanich as one highland bacterial sources that led to the closure of shellfish harvesting. more than two decades ago.

In November 2021, the Pauquachin First Nation reiterated this broader request with a more specific criticism of North Saanich.

“Local government decisions related to zoning, development approvals, septic systems and stormwater management have resulted in poor water quality in Coles Bay,” said Christa Croos of the Environmental Law Center of the United States. University of Victoria at the time. “And as you all know, poor water quality makes shellfish inedible. Due to this, Pauquachin’s ability to harvest shells has been greatly reduced. This is a violation of treaty and a violation of fundamental aboriginal rights to fish.

The future meeting would take place at the Pauquachin First Nation over lunch followed by a shore walk along Coles Bay.

North Saanich general manager Tim Tanton said the meeting would not help with this file, but would help with others, as well as building a broader relationship with the First Nation.

Regarding the memorandum of understanding, Ben Martin, director of infrastructure for North Saanich, said the details should be ironed out. He added that this could help information sharing between the two communities.

Martin also addressed the question of the County. Celia Stock, who called for federal involvement, having said earlier that only the federal Department of Fisheries and Oceans (DFO) has the authority to open or close shellfish harvesting.

“I just fear that our jurisdiction is limited,” she said.

Martin responded by saying that it would be appropriate to involve DFO in future meetings. However, North Saanich is responsible for stormwater, he added.

A staff report notes that North Saanich’s participation in the Saanich Peninsula Liquid Waste Management (SPLWMP) established in 1996 creates an obligation to sustainably manage wastewater and stormwater in the region.

In this context, the report states that North Saanich is “currently non-compliant” with its commitments to liquid waste management outside of sewer areas.

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Avery Research Center receives rare recording of MLK speech in Charleston


Capping off a week of June 19 celebrations across the United States, the College of Charleston Avery Research Center for African American History and Culture is pleased to announce the receipt of the material which offer new perspectives on pivotal moments in the struggle for civil rights in the south Caroline Lowcountryincluding a rare recording of a speech given by the Reverend Martin Luther King Jr. during a visit to Charleston less than a year before his death.

The Eugene B. Sloan Civil Rights Collection is an extraordinary archive of audio tapes, photographs, correspondence, ephemera, and artifacts of award-winning South Carolina journalist and publisher Eugene B. Sloan. Kept by Sloan’s immediate family for more than five decades, highlights of the collection include three extremely rare and historically significant audio recordings:

  • Audio of Martin Luther King Jr. speaking to an audience at County Hall in Charleston on July 30, 1967. King’s speech lasts nearly 33 minutes, with a 20-minute introduction from Esau Jenkins, South Carolina civil rights pioneer and his granddaughter Jakki Jefferson.
  • Audio collected via Sloan’s undercover tape recorder from a Ku Klux Klan meeting near Charleston the day before King’s speech at County Hall. Great Dragon Robert Echols Scoggin of the United Klans of America can be clearly heard calling for King’s assassination, lamenting his upcoming visit to Charleston.
  • Audio (45 minutes) of Reverend Ralph David Abernathy’s speech in the midst of the hospital workers’ strike in Charleston recorded by Sloan on March 31, 1969.

Generously donated by Lisa Berman, the review of interviews and transcripts is currently underway. They will be available in spring 2023 to the CofC community and the public on Aviary, the audiovisual repository and platform of the Lowcountry Oral History Initiative. The collection also includes artifacts and personal papers related to Eugene Sloan and his family, including the Hasselblad camera he used to photograph King and other notable civil rights figures, as well as a personal recording which Sloan realized early in the morning after King’s death in 1968. .

“Lisa Berman’s Gift of the Eugene B. Sloan Collection for Civil Rights is a perfect fit with the mission and direction of the Avery Research Center,” says CofC President Andrew T. Hsu. “The Avery Research Center is a first repository of black history in the Lowcountry and having the 1967 recording of Martin Luther King Jr. in Charleston is an incredible addition to our world-class collections at the Avery Research Center.”

The Eugene B. Sloan Civil Rights Collection will also serve as a companion piece to Documenting the Arc, the Avery Research Center’s oral history project documenting the ongoing struggle for equality in the Lowcountry. Supported by the Gaylord and Dorothy Donnelley Foundation, Documenting the Arc collects interviews focused on grassroots protests and organizing efforts in late 2014 through the local George Floyd protests and civil unrest that marked the summer of 2020, highlighting the focus on the period between the murder of Walter Scott and the massacre at the Mother Emanuel AME Church.

“Artifacts in the Sloan Collection also demonstrate how the Charleston Peninsula and Sea Island communities (particularly Johns and Wadmalaw Islands) were intimately connected to each other and to the ongoing work toward justice,” said Tamara T. Butler, Executive Director of the Avery Research Center and Associate Dean of Strategic Planning and Community Engagement. “We are honored to be custodians of this collection because it is an important thread in the civil rights tapestry we weave together at the Avery Research Center.”

The Avery Research Center publicly announced the donation on Saturday, June 25, 2022, at the annual meeting of the Avery Institute of African American History and Culture, a separate nonprofit organization that supports programs, operations and the efforts of the Avery Research Center to acquire archival fonds. The meeting also inaugurated the Avery Institute Curatorial Committee, which will work with faculty and staff at the Avery Research Center to design upcoming exhibits for the center’s historic building at 125 Bull St. in downtown Charleston.

“The Sloan collection would be a valuable and powerful addition to the holdings of the largest university library,” says John W. White, Dean of Libraries. “The belief shared by Lisa Berman and the Sloan family that the Avery Research Center is the best steward of these materials is a testament to the institution’s ability to connect meaningfully with communities in the Lowcountry and around the world. We couldn’t be happier to have the Sloan Collection preserved forever and made available right here at the Avery Research Center.

Online dating fatigue – why people are falling in love with a new generation of apps

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soul mate by kellykeeton is licensed under CC BY-SA 2.0.

Martin Graf

Lecturer in Relationship Psychology, University of South Wales

For the past two plus years, people hoping to meet their soul mate in person have struggled. Lockdowns and uncertainty about social gatherings have led many people to turn to dating apps.

People who feel like they’ve lost months or years of their love life may want to avoid the perils of dating apps — ghosting, dormant relationships, or simply wasting time chatting with the wrong people.

People are eager to meet in person, and the dating app menu is expanding to accommodate that. In addition to Tinder, Hinge, and Bumble, there are apps that aim to bring people together in person.

One of them is an increasingly popular app called Thursday. It’s only live once a week (Thursdays) and only gives users 24 hours to arrange a date.

This cuts down on expensive swiping and messaging throughout the week and possibly prevents people from using the app just for validation or amusement. Thursday also hosts in-person events where attendees can meet someone without slipping at all.

In person

There are a few reasons why in-person dating may be more appealing to some people than dating apps. The information we glean from online profiles doesn’t tell us much.

Meeting in person gives a much richer and more detailed impression of a date than meeting online, where all we see is a photo and, usually, a brief biography.

Additionally, 45% of current or previous users of dating apps or sites said the experience left them frustrated.

Online dating matches us with people we don’t know, making it easy for scammers to take advantage. Apart from that, users often present themselves in a false light, which leads to disappointment when daters meet face to face.

Although online dating seems to offer an abundance of choices, research suggests that we make poorer decisions online when it comes to dating choices.

We use simpler methods when choosing from a wide range of potential suitors than when choosing individually in person. This is often called the paradox of choice.

Are dating apps dead?

Dating apps have undoubtedly had a huge impact on the way couples meet. In the United States, online dating is the most popular way for couples to meet, and the number has increased in recent years.

Part of the appeal of the apps is their simplicity: you can create a profile and start meeting people in minutes. Despite this, using dating apps takes time and effort.

A large survey by dating app Badoo found that millennials spend an average of 90 minutes a day searching for a date, swiping, liking, matching and chatting.

Often messages from one party go unanswered from the other, and even if there is a response, the conversation may never lead to a face-to-face meeting. In 2016, data from Hinge revealed that only one in 500 swipes resulted in phone numbers being swapped.

This onerous process can lead to online dating fatigue for some. If we get no positive matches from our seemingly endless scan, or receive no response to our messages, our online dating efforts will eventually fail.

Photo by Solen Feyissa from Pixabay


Traditional dating apps are still incredibly popular, especially among young people. In 2021, Tinder was downloaded over 450 million times, with Gen Z accounting for 50% of app users.

Lendu’s research asked 3,852 millennials if they had ever met their Tinder matches.

The research found just 29% said ‘yes’ – far less than the 66% who said they had met for at least one date through more traditional dating sites such as Match or OKCupid.

But not everyone on Tinder hopes to find a date.

Research among Dutch Tinder users revealed that many use the app for validation (using matches simply as an assessment of one’s own level of attractiveness), or for the sake of receiving a match but without having the intention to pursue an appointment.

Because of this, dating apps can eventually lose users who pursue genuine relationships, particularly if they turn to face-to-face opportunities first instead.

But as long as they adapt to the changing demands of daters, apps are here to stay.

The conversationThis article originally appeared in The Conversation

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Eknath Shinde camp will hold a meeting in Guwahati today

Maharashtra CM Uddhav Thackeray said he did everything for Eknath Shinde and yet many allegations were made against him.

Maharashtra political crisis: what has happened so far?

  • Maharashtra Chief Minister Uddhav Thackeray held an emergency meeting of all Sena National Executives at Sena Bhavan, Mumbai on Saturday. It comes as Eknath Shinde’s camp claimed to have the support of two-thirds of party MPs.
  • Maharashtra Vice President Narhari Zirwal may send disqualification notices to 16 rebel Shiv Sena MPs today (June 25). Meanwhile, Maharashtra Advocate General Ashutosh Kumbhakoni has been called by the Assembly Secretariat to seek legal advice on the current political crisis which includes the disqualification of 16 rebel MPs as pleaded by Shiv Senna.
  • Other MPs have reached Guwahati as sources, according to ANI news agency, say the numbers are expected to top 50. Meanwhile, Shiv Sena leader Sanjay Raut said the party was confident that he would win the floor test at the Assembly. “We will win on the home floor, we will not give up. They (the deputies) took a very bad step. We also gave them a chance to return to Mumbai. Now we challenge them to come to Mumbai,” said Sanjay Raut.
  • In an emotional message, CM Uddhav Thackeray said he did everything for Eknath Shinde and yet many allegations were made against him. “I did everything for Eknath Shinde. I gave him the department I occupied. His own son is an MP and comments are being made about my son (Aaditya Thackeray). There are many allegations against me,” Uddhav Thackeray said on Friday.
  • As more and more rebel MPs continued to join the Eknath Shinde camp, the Shiv Sena faction filed a petition with the Deputy Speaker of the State Assembly demanding the cancellation of the membership of 16 MPs rebels, including Eknath Shinde, for “not attending” the legislative party meeting.
  • Maintaining a defiant posture, Eknath Shinde claimed that the group he led was the “real Shiv Sena”, and also hit back, saying he and his followers would not be intimidated by threats of disqualification. In a series of tweets posted late Thursday evening, Shinde, who is camped in Guwahati with 37 Sena lawmakers and 10 independents, said that according to the 10th schedule of the Constitution, a party whip is issued for legislative debates and not for attend a meeting.
  • The Congress Assam unit has staged protests near a luxury hotel in Guwahati, where Sena rebel leader Shinde and other MPs accompanying him are demanding they leave the northeastern state as he reels from a devastating flood.

Maharashtra political crisis live updates

Also Read – Watch: Assam CM Himanta Biswa Sarma invites Uddhav Thackeray for ‘holiday’ amid Maharashtra crisis

For the latest news and live updates, like us on Facebook or follow us on Twitter and instagram. Read more about latest Maharashtra news on India.com.

Eknath ShindeMaharashtra CrisisMaharashtra Political CrisisMaharashtra.Uddhav Thackeray

Publication Date: Jun 25, 2022 07:09 IST


Date Updated: Jun 25, 2022 5:26 PM IST

BLE studies on the agenda for JPs | New


JONESBORO — The Quorum Court will convene on Monday for the third reading and discussion of three different orders, including the order to enact Basic Level Engineering (BLE) studies.

This ordinance will adopt by reference the following scientific and engineering studies: “BLE analysis of the lower Saint-François watershed”, “BLE analysis of the Cache watershed” and “BLE analysis of the Anguille watershed”.

After the ordinance is approved, the documents would apply to all special flood hazard areas listed in the Federal Emergency Management Agency (FEMA) Zone A and other areas in the county of Craighead where basic level engineering is available.

Third reading will also be discussed for the order updating employment policy for military leave and the order establishing a minimum cost of $5,000 per item purchased to be recorded as capital property.

Other items on the agenda will include:

an appropriation order for Fund 3548, FY22 Arkansas Rural Community Grant for Southridge Fire Department.

a credit order to add an additional temporary full-time juvenile supervisor position to allow for the transition to a new juvenile supervisor.

a credit order to add fund 3535, CY22 Accountability Court Grant, Adult Drug Court.

a resolution to appoint Richard Schwartz to the Valley View Fire Board.

a resolution to approve the Arkansas Transportation Alternatives Program (TAP) grant application.

The meeting will be held at 5:30 p.m. in the basement of the Craighead County Annex at 511 Union in Jonesboro.

Free lunch for every student will end in 2022-23 | Local News



Free lunches for all will end in the new school year, but free breakfast will continue, the Burke County School Board said during its June business session Monday night.

Burke County Public Schools Superintendent Mike Swan told the board that the U.S. Department of Agriculture waiver offering free lunches to all students expires June 30. The free meals were offered to all families, regardless of family income. He said the school system continues to voice concerns at the state level for parents and the need for free lunches.

Given the expiration of free meals for all students, parents can start signing up for free and reduced school meals from July 1, Swan said.

To be considered for a free lunch, families must complete the Free and Reduced Meals form to determine if a student is eligible for the upcoming school year, depending on the school system. Summer meals remain free for anyone 18 and under, he says.

Swan said the school system will make forms easily accessible through social media during school open houses. A link to the form is also on the front page of the school system’s website at burke.k12.nc.us.

People also read…

The school system says parents or guardians should receive emails with a link to the app and monitor posts on its social media when the apps become available on July 1.

All students will still receive free breakfast during the 2022-23 year, depending on the school system.

The price of dinner for elementary students will be $2.60; meals for middle and high school students will cost $2.85; and adult meals will be $3.75, depending on the school system.

Also during the meeting, Swan spoke about school safety, in light of recent school shootings.

The school system has established a Safety Council of Superintendents, made up of council chair Wendi Craven and vice chair Aaron Johnson, Swan and certain people in leadership positions in the system, as well as the forces of the school system. order. Swan said the next meeting will be July 13 and will include the Morganton Public Safety Department and the Burke County Sheriff’s Office.

Swan told the council that the sheriff’s office was planning active shooter training in August at the former Chesterfield Primary School. He said some school administrators and teachers have already been recruited as volunteers for the training.

At Monday’s meeting, the school board also discussed wireless device policy, with board member Seth Hunt saying teachers constantly fight with students to get them to put away their devices during school hours. education. He said the board needs to give staff members a very clear policy on confiscating student wireless devices.

Additionally, board member Tiana Beachler said the dress code, especially for colleges, needs to be tightened or adhere to the dress code already in place. She said she’s heard from faculty and community members who are concerned about the issue.

Notice of Public Meeting – Service Line Planning Core Working Group 06.23.22



The next meeting of the Main Service Line Planning Working Group will be held on Thursday, June 23, 2022, from 2:00 p.m. to 4:00 p.m. The meeting will be held virtually on the WebEx link below.

Proposed agenda for the meeting

  1. Roll call of working group members
  2. Adoption of the minutes and the agenda of the meeting
  3. Independent Cost Assessment Update
  4. Red Lines Review of DC Water Documents
  5. Discuss outreach and partnership opportunities
  6. Sub-Committee Reports
  7. Question and answer session
  8. Action items and future agenda items

The workgroup only offers a remote meeting option.

To join remotely:

On a computer or mobile phone>>
Event number: 2304 376 3839
Password: public

By telephone:
Access code: 230 437 63839

For more information, please contact the DOEE at [email protected].

Agenda: More efforts are still needed to encourage women to become engineers


ENGINEERING UK reported earlier this year that just over 16% of all engineering positions across the country are held by women. Although this is an increase of around six percentage points from the 2010 figures, it still shows that women are still significantly underrepresented in the industry.

Today marks International Women in Engineering Day, an annual celebration of women’s work in the industry and a perfect opportunity to shine the spotlight on the issue.

Like many issues in society, encouraging more women and girls to choose a career in engineering is no easy task – cultural stereotypes are still prevalent and unhelpful.

Things are changing however and while I think it’s a shame we still need an event like IWED, these play an important role in promoting the industry and demonstrating the impact engineers have on our lives.

Engineering as a whole is a big church and I, as a civil and structural engineer, am only a small part of it. But if you think of everything from clean water, new schools, homes and workplaces to power generation, it’s hard to think of anything that isn’t impacted by engineers. .

For many women and girls, whether they are nearing the end of their studies or considering a career change later in life, the prospect of starting out in engineering can be daunting. But help and support is available and there are a number of stem organizations (science, technology, engineering and math) that can put you in touch with other women in the field to get a better idea of ​​the options. available.

Industry groups like Women in Property are also important networks that can help women realize their potential. I have been a member of this particular group for a number of years and look forward to getting more involved in mentoring women in the industry.

We at Will Rudd have just named the newest female member of our technical team and are actively looking for other females to join us. Although the pandemic has undoubtedly changed the ways of working, we have always understood the importance of a healthy balance between work and home. As a result, we operate a hybrid model focusing on flexibility and have enhanced our maternity package.

If you take me as an example, I was lucky to have great opportunities and great mentors who helped me grow. I started out working on a construction site, but here I now run a design consulting business and lead a growing team while designing and certifying structures. For some however, the opportunities and support are not as readily available, so we all have a responsibility and a role to play in supporting women in the industry.

As we move forward, we must redouble our efforts and train the next generation of female engineers who will be instrumental in delivering some of society’s most important infrastructure solutions.

Gillian Ogilvie is Managing Director of Will Rudd, Edinburgh

Utica Dueling Pianists Concert Supports Geller Music Fellowships


The Geller Scholarships Concerts Series presents its fourth free event of the year on Sunday, June 26, featuring Jo Ann Geller and Bruce Smith at Grace Episcopal Church in Utica.

Their PREformance concert for piano four hands “Dueling Pianists: Look Ma, Four Hands” is an eclectic new program of classical, jazz and familiar pieces. It’s a cover for popular piano partners who have been playing together for over 30 years.

Geller is the main player of the duo and Smith, the second of the duo. The pair clearly enjoy toying with each other, as evidenced by the banter, crackles and laughs that punctuate their performances. They will describe their musical selections during this PREformance, explaining the context of the compositions, the composers and why they like to play them.

“A diversified range:” Levitt AMP Music Series Summer Concerts Return

Featuring Beethoven’s “Three Steps, Op. 45 No. 1 in C major”; “Microjazz” by Christopher Norton, whose sections include “Running Shoes”, “Waltz”, “Meditation”, “Snake Charmer”, “Firmly in Place”, and “Rolling Pin Blues”; “La Solita Sonata” by Gaetano Donizetti; Norman Dello Joio’s “Family Album”, which includes “Family Meeting“, “Play Time”, “Story Time”, “Prayer Time” and “Bed Time”; selections from “West Side Story” by Leonard Bernstein, including “America”, “I Feel Pretty”, “Maria”, “One Hand One Heart”, “Somewhere” and “Tonight” and “Sonata” by Modest Mussorsky featuring “Scherzo Allegro Non Troppo” and “Allegro Assai”.

Geller is from Philadelphia where she studied piano from an early age at the Conservatory of Music with Jon Carlin. She graduated from the University of Pennsylvania with a degree in musicology. Geller continued his piano studies with Vladimir Socoloff at the Curtis Institute, then with Leonard Shure in Munich, Germany.

She was a faculty member at the Wilmington School of Music and an adjunct professor at Mohawk Valley Community College. For decades, Geller maintained a strong private piano instruction program and was inducted with her late husband, Herb, into the Rome Arts Hall of Fame in 2011.

All aboard: Adirondack Railroad offers train rides with beer and wine

As the son of a piano-playing mother and a pastor father, it’s no wonder Smith chose a career in church music. He played his first church service in sixth grade and has played almost continuously since. A graduate of Allegheny College in Meadville, Pennsylvania, he took up the position of organist and choir director at the First Baptist Church in Rome straight out of college.

His tenure lasted 24 years, concurrently serving 17 years at St. Mary’s Roman Catholic Church in Rome. Since 2002, Smith has served as organist/choirmaster for Grace Episcopal Church in Utica, while performing Saturday afternoon mass for St. Leo and St. Ann parishes in Holland Patent.

Their PREformance is part of a series of instrumental and vocal ensembles leading up to the big performance by the Geller Tribute Concert Band at 7:30 p.m. November 5 at Rome Free Academy.

The Geller Scholarship Concerts have supported school musical excellence since their inception. The group awarded $6,950 to 12 Rome Free Academy and Vernon-Verona-Sherrill graduates who are studying music in college. The group formed in 2018 to pay tribute to the late Herb Geller, clarinetist and longtime manager of RFA and VVS.

The concert will be held June 26 at 3 p.m. at Grace Episcopal Church, 193 Genesee Street in Utica. Donations to the scholarship program will be welcomed at the concert as well as via Paypal.me/gellerscholarship or by check sent to Geller Scholarships, PO Box 186, Verona, NY 13478.

Writer Eswatini Kota wins Commonwealth Short Story Prize


Writer Eswatini Ntsika Kota has been named the overall winner of the Commonwealth Short Story Prize 2022 for his story “and the earth drank deeply”.

The story of Kota centers on a group of villagers in a hunter-gatherer society in our species’ distant past. As they face disease, threats from wild animals and unexpected death, the story tells of a day when “cold blood first flowed and the earth was watered”.

Rwandan publisher and judge representing the African region Louise Umutoni-Bower praised Koto for using African folktales “in a way that stays true to form but is also accessible”. “It’s a reminder of a time when storytelling had a prominent place in social gatherings,” Umutoni-Bower said. “I was personally brought down by my mother’s feet where I quietly listened to stories of Rwandan folk heroes and villains.”

Kota receives £5,000 (A$8,800).

Now in its 10th year, the Commonwealth Short Story Prize covers the Commonwealth regions of Africa, Asia, Canada and Europe, the Pacific and the Caribbean. The 2022 award received over 6,730 nominations submitted by 52 Commonwealth countries.

As previously reported, the regional winners were announced earlier in the year, with Fijian writer Mary Rokonadravu winning the Pacific category for her story ‘The Nightwatch’.

For more information on this year’s prize and the grand prize winner, see the Commonwealth Short Story Prize website.

Category: International News

Municipality of Lima: Synopsis of the notice of meeting of the board of directors



Synopsis of Minutes of Regular Meetings

June 13, 2022

Supervisor Luick opened the meeting at 7:00 p.m. with the oath of allegiance. Council members present were Duane Luick, Elaine Bater, Nanette Havens, Greg McKenzie and Dale Luick. The agenda and minutes of the regular meeting of May 9, 2022 were approved as presented.

Two candidates for the August 2 primary elections were present during the public comments to speak. Stuart Collis; running for District 14A Judge and Teresa Spiegelberg for District 47 State Representative. A resident commented on a new town hall.

The treasurer submitted the township’s financial report for May 2022.

As part of old business, council appointed two new members to the zoning appeals board. Travis Heydlauff, as a regular member, and Wayne Lambarth as an alternate member on ZBA. Two motions failed to pass for the ZBA alternate; Carrie Trinkle and David Hensel.

Under New Business: A motion was made and approved to move forward with VC3/IT Right to set up township emails under the .gov domain – not to exceed $2,500.

The consent agenda was approved; accounts payable for $155,870.88 and payroll for $10,661.85. Reports were given and the meeting adjourned at 8:02 p.m.

Elaine Bater

Lima Township Clerk

These minutes are a summary of the minutes which can be read after approval at www.limatownshipmi.gov

Ron DeSantis’ education program is a mix of good and trash


Republicans dominate the Legislature in Florida and many other states because they have long understood something the Democrats have missed.

Govt. Ron DeSantis and GOP state lawmakers affect citizen rights in Florida far more than the president Joe Biden or what is it called from Mar-a-Lago. I suspect many voters on the left or even center can’t even name their senator or representative, let alone know what they’re doing in Tallahassee and why it matters.

Republicans made their constituents care about these things. The Democrats have not been so successful.

This brings us to the Guv’s latest populist move to create a dragon so he can slay it. I refer to DeSantis Education Program.

At first glance, it looks like Hizzoner will be banging erasers on the heads of snobby snobby snobs and awake intellectual teachers to make sure the forces of darkness don’t indoctrinate the little darlings of the state.

But, let’s explore this a little deeper, shall we?

Key to the agenda is DeSantis’ vow to “put students first” and “protect parents’ rights” on the front lines of education.

Who could dispute that?

I know many teachers and more than a few on this subject. My eldest son and his wife are teachers, and my wife worked at the front desk of a local high school until her retirement. I can tell you this: along with thousands of fellow teachers, they would welcome parental involvement.

They crave it.

Too often, however, this does not happen. Or when it does, it often results in parents shouting abuse at over-stressed instructors.

Too many parents don’t show up for teacher conferences. Their children come to class without having finished their homework or the motivation to learn. Too many kids are more interested in texting their phones than finishing their homework.

If the parents’ little darlings fail – which is hard to do in Florida – they will blame the teacher.

What if we protected the rights of teachers?

But no. It would be too logical.

Instead, DeSantis has a 10-point plan that combines common sense with political bluster. It’s too much of the last and not enough of the first.

Remember, though, what I said about the effect state lawmakers have on the lives of ordinary Floridians? DeSantis now wants to get deep into local school board races. His agenda is a litmus test he wants to apply to anyone who shows up for these councils.

The Governor’s plan emphasizes solid civic education, which is good even if it is already being taught. He gets no extra credit for demanding that schools do something they already do.

He wants to increase teachers’ salaries and continue to support school safety and mental health initiatives. Great ideas. DeSantis also wants to expand workforce development and technical training, which are fabulous goals. Go ahead, Guv.

But he couldn’t resist the urge to swing at the piñata known as public education.

It demands that candidates reject the use of critical race theory in Florida classrooms, which should be easy since SCHOOLS DON’T TEACH IT!!!!!!!!!!

The governor’s agenda states that schools should “educate, not indoctrinate” and “keep woke gender ideology out of schools.”

This too should be easy. With all the state requirements on what students must learn, there is no time for indoctrination.

But, for now, let’s play the game.

Let’s say that the subject of the January 6 insurrection is broached. There are not two sides to this story. The attackers were criminals bent on creating havoc and teaching what is not indoctrination.

Teaching students to use their brains for something other than Instagram is not indoctrination.

You can call it civility.

Teacher: “Yes, students, it’s not legal to break the windows of the United States Capitol and try to hang the vice president because your favorite candidate lost the election.”

Student: ‘But Fox News said radical left fixed machines to change votes from MAGA man to illegally elected Biden.’

Teacher: “Fox News is wrong.”

However, I have no doubt that the current GOP ideal would be for the teacher to respond instead, “Well, Johnny, that’s an interesting point of view (debunked eight trillion times). Thank you for sharing.”

Yes, the Republicans did their homework and figured out where they could have the most influence. All politics is local, and it does not become more local than the neighborhood school.

You knew this had to happen eventually.

Post views:

Marco Rubio: Did Harvard get $115 million to cover up the origins of COVID in China?


Last week, the United States Senator Marco RubioR-Fla., sent a letter to Dr. Lawrence Bacowthe president of Harvard Universityregarding a possible counterpart agreement in which officials of the real estate company, Evergrandewhich maintains close ties with the Chinese Communist Partydonated $115 million to Harvard Medical School in exchange for access to influential American virology experts, including Dr Anthony Fauciwho were studying the origins of COVID-19.

Just days after Harvard received the donation, Harvard-linked virology experts, some of whom had previously speculated that the virus may have been engineered and leaked from a Wuhan, Chinaprivately and publicly condemned and wrongly dismissed the possibility that the virus may have emerged following a research-related incident at the state-run Wuhan Institute of Virology.

The letter is below.

Dear President Bacow:

Harvard University is considered one of the most prestigious institutions of higher learning in the world. It adds credibility to any business that bears his name. Accordingly, you and all of Harvard’s faculty and staff bear a heavy responsibility to ensure that this credibility is not used for purposes contrary to the university’s mission, or worse, to purposes detrimental to the interests of the American people. .

It has come to my attention that in the early days of the COVID-19 outbreak in the United States, you, Harvard Provost Alan Garber, and George Daley, Dean of Harvard Medical School facilitated what would become a concerning relationship between Dr. Anthony Fauci and Chinese property developer Evergrande. According to the report of The viewerthese interactions apparently shaped two subsequent developments: 1) a $115 million gift from Evergrande to Harvard Medical School, and 2) a decision by American scientists and public health officials, including Dr. to publicly rule out the possibility that the novel coronavirus emerged following a research-related incident, likely at the state-run Wuhan Institute of Virology, after those same scientists and officials discussed this hypothesis in private and deemed it plausible.

Although The Spectator did not characterize the situation precisely in these terms, the coincidence of these events suggests the possibility of a quid pro quo, whereby Harvard officials, in exchange for a large donation from Evergrande, contacted the American public health officials to convince them that the Chinese Communist Party’s (CCP) favorite theory of the origin of COVID-19 was the only theory that should be seriously considered. The CCP’s outreach to Harvard through Evergrande is consistent with the CCP’s past attempts to influence decision-making in other countries, including the United States, through non-traditional means as well as influential private sector actors and of civil society. While Evergrande is apparently a private company, the laws of the People’s Republic of China (PRC) make it clear that all companies are required to comply with CCP guidelines. The Australian government has rightly said that “there is no such thing” as “private business” in the PRC. Given Harvard University’s long history of working in China and interacting with PRC officials, I would expect you and other members of the university leadership to have seen the awareness of Evergrande for what it was: an attempt by the CCP to obscure the origin of the coronavirus that causes COVID-19 and absolve itself of responsibility for causing the worst pandemic in a century.

As vice chairman of the Senate Intelligence Committee and member of the Senate Appropriations Committee, I have a responsibility to the American taxpayer to ensure that recipients of federal funding, such as Harvard, are not complicit malicious attempts by the CCP to subvert the interests of the United States, including the search for the origin of COVID-19. As such, I request your prompt response to the following questions:

1. Did you or other members of the Harvard administration contact the Federal Bureau of Investigation (FBI) or other law enforcement agencies regarding Evergrande’s attempt to contact Dr. Fauci through Harvard?

2. When Evergrande founder and CCP member Xu Jiayin contacted you in January 2020, he allegedly claimed that there had been no interaction between the National Institute for Health (NIH) or the Centers for Disease Control and Prevention (CDC) of the United States and their counterparts in the PRC. Didn’t you know that Dr. George Gao, the director general of the China CDC, had not only been in contact with Dr. Robert Redfield, the director of the US CDC, on several occasions since early January, but that Gao had also refused support? offered by the United States?

3. When Harvard Medical School Dean George Daley contacted Dr. Fauci on February 2, 2020, had Evergrande already communicated his intention to pledge $115 million to Harvard Medical School?

4. Please provide, publicly, the terms of Evergrande’s donation to Harvard Medical School. Did Evergrande tie this donation to a specific action by Harvard or Harvard faculty?

5. Please release the details of the meeting between Evergrande and Dean Daley mentioned in Dean Daley’s Feb. 2 email to Dr. Fauci.

6. Please disclose the full content of the redacted email from Evergrande Chief Health Officer, Dr. Jack Lu, to Dean Daley that was included in the February 2 email.

7. Please provide a full account of how Harvard spent the $12 million of the $115 million gift it received from Evergrande. Can you clarify if any of this money went directly to the management of Harvard Medical School?

The United States has entered an era of great competition with the CCP, a regime that has explicitly called for the ousting of the United States as the world’s leading power. It is incumbent on all Americans to be vigilant against the CCP’s attempts to weaken the United States and our institutions, including our educational institutions. Based on Harvard’s previous interactions with Evergrande and, by extension, Beijing, I can only assume that Harvard ignores the CCP threat at best or actively supports our main adversary at worst.

Thank you in advance for your prompt response to these questions.

Florida Daily
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The UP Cops’ Look at Social Media Incitement; 72 more inmates across the state | India News

WhatsApp messages urging large crowds to converge on predetermined locations and go on a rampage have fanned the flames of violent anti-Agnipath unrest in UP’s Ballia, Deoria and Mirzapur, police said on Sunday after another 72 arrests across the state in the context of the ongoing repression. on suspected vandals. A total of 450 people have been arrested for violence and damage to public property since last Thursday.
In Rajasthan, police blocked Section 144 in Jaipur and Dholpur to prevent further outbreaks. Additional Police Commissioner Ajay Pal Lamba has warned against strict action against social media rumours. This coincided with an association of coaching institutes canceling classes on Monday and Tuesday in solidarity with students protesting the Agnipath scheme. “We appalled all students to protest peacefully, recant violence and not damage public property,” he said.

Apart from Bihar, the highest number of protests were reported in Rajasthan and UP. At Deoria Barhaj police station area, police vehicles have been blamed for arson. “As there was a massive deployment of forces in all sensitive locations, those planning the violence communicated through a WhatsApp group and gathered a crowd on the Barhaj bypass. They threw rocks at the police and then headed for a petrol pump for more vandalism,” Barhaj station officer Jai Shankar Mishra said.
Some protesters allegedly snatched cash from the counter and set fire to two vehicles there, SP Sankalp Sharma said. “Fifteen people were arrested.
Arrests in Saharanpur included the district NSUI chairman, a former member of the Samajwadi party panchayat and three others affiliated with other parties. None of them were applying for a job, police said.

In Mirzapur, another SP, Sanjai Kumar, said the district was generally peaceful on Sunday after multiple incidents of rioting stoked by social media posts the day before. “We are identifying the administrators of the WhatsApp groups who have called for the protest,” he said.
Ghazipur witnessed a row involving hundreds of young people near the station. Informed of a gathering of protesters on the Varanasi-Ghazipur-Ballia railway line, a police team arrested them at Sheikhpura. The demonstrators threw stones before fleeing.
In Bhadohi, police dispersed protesters with batons and arrested four.
Additional DGP Prashant Kumar said that all district officials have been asked to speak to zila saitik kalyan councils and elected representatives like village chiefs, deputies and deputies to brief people on the facts regarding the Agnipath scheme. In Chandauli, protesters set fire to a private vehicle before the police intervened. Around 35 people were arrested in Aligarh, including nine owners of coaching institutes accused of inciting young people to take part in the June 17 protest.
In Punjab, where protesters vandalized Ludhiana railway station on Saturday, an FIR was filed against at least 70 people for rioting, attacking a cop and destroying a police vehicle. Police Commissioner Kaustubh Sharma said protesters planned to burn trains.
In addition to arresting six suspects, police on Sunday arrested 12 others in connection with the violence.
Half a dozen young people from MP’s Indore have been arrested and three of them were arrested for allegedly posting messages on social media criticizing the Agnipath scheme and calling on young people to protest against it.

‘Security’ concerns likely behind new GST Board meeting location


After the announcement of the next meeting of the Goods and Services Tax (GST) Council to be held in Srinagar, the venue was abruptly changed to Chandigarh on Saturday. Security concerns following the recent targeted killings in Kashmir were reportedly one of the main concerns for rescheduling the venue of the meeting, which would have seen the attendance of officials and ministers from 31 states/union territories and of the Center.

On Thursday, Finance Minister Nirmala Sitharaman’s office Twitter account announced the dates for the TPS Board meeting in Srinagar. “The 47th meeting of the GST Council will be held on June 28-29, 2022 (Tuesday and Wednesday) in Srinagar. @FinMinIndia @GST_Council @PIB_India,” he said.

On Saturday, the GST Council announced in a tweet that the meeting would now be held in Chandigarh instead of Srinagar. “The 47th meeting of the GST Council will be held on June 28-29, 2022 (Tuesday and Wednesday) in Chandigarh instead of Srinagar,” he said.

Although the revised official meeting notice did not specify any reason for the venue change, an official said there were concerns about the safety of ministers and officials converging in Srinagar for the meeting, given the recent wave of targeted assassinations. Questions sent to the Ministry of Finance on this subject by The Sunday Express did not elicit a response.

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The Kashmir valley has witnessed at least 16 targeted killings, including of police, teachers and sarpanches, since January. Episodes of targeted killings increased after February 2021, when the son of the owner of Krishna Dhaba in Srinagar was shot dead in his restaurant. On October 5, 2021, chemist M. L. Bindroo was killed in his shop, followed two days later by the murder of Supinder Kour, headmaster of Government Boys Higher Secondary School, Sangam, and Deepak Chand, a teacher at the school, who were shot after the assailants checked the identity cards of school staff. More recently, a Kashmiri Pandit employee of J&K’s Revenue Department, working under the Prime Minister’s Rehabilitation Scheme, was gunned down in his office in Chadoora, Budgam, prompting widespread protests from members of the community. A samba teacher, Rajni Bala, was recently the victim of this spate of killings, while an off-duty policeman was found dead in rice fields in Pulwama, South Kashmir, as recently as Saturday morning.

The 47th meeting of the GST Council comes at a time when some state governments are calling for the extension of the GST compensation scheme beyond June, when the five-year period of the guaranteed compensation scheme for lost income resulting from the deployment in July 2017 of the indirect tax system is coming to an end. The Council had previously agreed to extend the levy of the Compensation Levy until 2026, but only for the repayment of loans taken as a result of the pandemic to compensate states.

The council is also expected to discuss recommendations from a group of ministers led by Meghalaya’s chief minister, Conrad Sangma, who are expected to propose a 28% tax rate on casinos, racetracks and online gambling.

The Group of Ministers (GoM) formed to review the current tariff plate structure under the GST, will prepare an interim report and seek an extension of its mandate at the next meeting of the GST Council.

Discussions held so far on GST rates, reverse tariff structure for sectors except textiles, and certain exemptions will be part of the interim report, but consensus on a final report could not be achieved in the absence of full agreement among GoM members on fine-tuning the fiscal slabs.

Bernie Sanders backs Delia Ramirez and Jonathan Jackson for Congress


Two-time presidential candidate Bernie Sanders gathered a crowd on Saturday in Humboldt Park to promote his populist agenda, showcase progressive ideals and support two Democratic congressional candidates from Chicago in hopes they will join him in Washington, D.C. next year.

The rally with the Vermont senator at the Humboldt Park Boathouse was part of Sanders’ multi-stop tour of Chicago to encourage more progressives to the polls with just over a week until the June 28 primary. Among several candidates he backs, Sanders has backed State Representative Delia Ramirez in the 3rd Congressional District race and civil rights activist Jonathan Jackson in the 1st Congressional District race.

Sanders castigated the power and influence wielded by the nation’s billionaires and said candidates like Ramirez and Jackson would join him in the fight for the needs of average Americans.

“These billionaires don’t want people like Delia and Jonathan in Washington,” Sanders told a crowd of about 300 people. “They don’t want them. We want them. They got the money. We got the power of the people.

Sanders told the crowd that Ramirez and Jackson both understand what is “deeply wrong” in the country and what needs to be fixed, such as affordable health care, a “living wage over $15 an hour , tuition-free higher education and working to ensure oil companies aren’t allowed to soak up massive profits while motorists are forced to pay $5-$6 per gallon for gas.

He said inflation, climate change, the war in Ukraine and more have all created a “pivotal moment in American history.”

“Now is the time to tackle all these demagogues who try to divide working (families) based on the color of our skin, where we were born or our sexual orientation,” he said. . “Now is the time to stand together.”

The event at the boathouse, which is located in the 3rd congressional district, was one of several Sanders events in the Chicago area as well as in Iowa and Wisconsin in recent days. He is praised Starbucks and Amazon workers for attempting to unionize and supporting striking workers at CNH Industrial plants.

Ramirez – one of four Democratic candidates vying for the 3rd District seat, including Ald. Gilbert Villegas, 36th – said she will fight for immigration reform, universal health coverage, the New Green Deal and against corporate influences in Washington.

“We are here at this particular place, at this particular time, because we have an emergency,” she said. “We understand that in this state, in this primary, we have the opportunity to send the most progressive and hardcore fighters in the community to every level of government.”

Both Ramirez and Villegas have won support in their high-profile intraparty fight for the sprawling new Latino-leaning 3rd District that winds its way from Chicago’s northwest side to the far reaches of DuPage County.

While Sanders’ Democratic socialist agenda may not play as well in suburban DuPage County towns where some moderate Democrats might view the progressive brandon as too left-wing, his support could help Ramirez in Chicago neighborhoods. who are expected to hold about 70% of the Democratic primary vote.

Villegas enjoys the support of Democratic U.S. Representative Ruben Gallego of Arizona, as well as local politicians such as former Northwest Side congressman Luis Gutierrez and outgoing Secretary of State Jesse White.

Sanders’ support for Jackson in the 1st Congressional District could help the descendant of famed civil rights leader Reverend Jesse Jackson separate into the crowded field of 16 other Democrats vying to succeed retired U.S. Rep. Bobby Rush. Most of the Democratic candidates for the seat share similar positions on issues such as gun control, abortion rights and health care.

Sanders’ imprimatur could help Jackson make the case that he’s the real progressive in the race for the neighborhood that stretches from the South Loop to the South Suburbs.

Jackson said Saturday that he “runs on gas, guns and groceries” and wants to make this country better and more prosperous for everyone.

“Isn’t it strange that we are facing a shortage of baby food, but we have an abundance of bullets circulating in each of our communities,” Jackson said.

U.S. Representative Jesus “Chuy” Garcia of Chicago, who represents the 4th congressional district, Illinois’ Latino-majority first district, attended the rally and also supported Ramirez and Jackson.

“As we build muscle and power in Congress, this is how we redefine who will run this country,” Garcia told the crowd. “It won’t be the billionaires. It won’t be corporations. It will be workers and young people and students and our future intellectuals. That’s who will run this country.

Saturday’s rally was capped off by organizers asking attendees to sign up to volunteer and join the group for a march to the polls and door knocking to spread the word progressive. Most of the crowd dispersed to continue their sunny Saturday while a few dozen people stayed to participate.

Before rushing to catch a plane, Sanders encouraged everyone at the rally to bring their friends, families and colleagues to the polls on June 28 to ensure high turnout for the upcoming primaries.

“Chicago now has the opportunity to send two great progressive fighters to Washington in Delia and Jonathan,” Sanders said. “Let’s make this happen.”

AD Quig contributed.

Texas A&M COO Updates Faculty Senate on Implementation of “The Path Forward” – WTAW

Screenshot of pathforward.tamu.edu.
Screenshot of Greg Hartman from the June 13, 2022 Texas A&M faculty senate meeting web feed.
Screenshot of Greg Hartman from the June 13, 2022 Texas A&M faculty senate meeting web feed.

Texas A&M’s chief operating officer provided an update on the implementation of the university’s reorganization plan at the faculty senate meeting in June.

Greg Hartman says the president has approved recommendations from seven or eight of the 41 implementation teams. And the others are on track to finish well before the September 1 deadline.

Hartman says there is a meeting with the president next week to determine how the changes will be made…especially in human resources, finance and IT.

Hartman says that on a weekly basis, there are meetings to address reorganization issues that slip through the cracks… something that is described as orphan tasks.

Hartman says that for the next month or two, those involved in the reorganization process are looking to catch something dubbed “orphan spots”…or things falling through the cracks.

And he wants to provide another update at the faculty senate meeting in July and let other A&M organizations know about the ongoing implementation of what’s called “the way forward.”

Click HERE to be directed to A&M’s University Reorganization Plan.

Click below for Greg Hartman’s comments at the Texas A&M Faculty Senate meeting on June 13, 2022.

Listen to “Texas A&M COO Briefs Faculty Senate on ‘The Path Forward’ Reorganization Plan” on Spreaker.

Brian Gibson Obituary – The Holland Sentinel


Brian Curtis Gibson, 74, of Holland Michigan died June 14. Born in LaGrange, Illinois, near Chicago, he was the youngest of four brothers.

Brian is fondly remembered as a warm and loving man. He worked for many years in Holland and Grand Rapids in social service, helping the poor and underserved. Brian served faithfully for years as an elder at Lakeshore Vineyard Christian Fellowship and most recently worshiped at Manna Church in Holland.

He is survived by his wife Cheryl, his sons Jonathan and Robert, his daughter-in-law Laurie Ann (LA) and his grandchildren Jireh, Casiana and Lilly as well as his brother Norman and his sisters-in-law Ruth and Mary Louise as well as many loving nieces and nephews. A devoted family man, Brian was always available for his loved ones.

Brian graciously offered himself to the anatomical donation program at the University of Michigan.

Memorial contributions in Brian’s memory may be made to the Hospice of Holland or the Van Andel Institute for Cancer Research.

An informal gathering and memorial service will be held at Manna Church 16 W 9th Street, Holland from 10 a.m. to 1 p.m., June 25, 2022. The first half of the gathering will be a time of informal remembrance gathering, the second half will be a time of sharing and homage.

Please visit www.lakeshorememorial.com for more information.

Posted on June 17, 2022

Posted in Holland Sentinel

ZEDER INVESTMENTS LIMITED – Distribution of the annual report and notice of annual general meeting – SENS


Distribution of Annual Report and Notice of Annual General Meeting

(Incorporated in the Republic of South Africa)
Registration number: 2006/019240/06
Share code: ZED
ISIN: ZAE000088431
LEI code: 37890022AF5FD117D649
(‘Zeder’ or ‘the Company’)



Shareholders are hereby advised that Zeder’s integrated annual report (‘the Annual
Report’), containing the summary audited consolidated financial statements for the year
ended 28 February 2022 and the notice of Zeder’s 2022 annual general meeting (‘Notice
of AGM’), was distributed to shareholders today, 17 June 2022. The Annual Report is
also available at www.zeder.co.za/Zeder-Annual-Report-2022.pdf


Notice is hereby given that the annual general meeting of shareholders (‘AGM’) will be
conducted entirely by electronic communication on Wednesday, 20 July 2022, at
10:00 am to transact the business as set out in the Notice of AGM.

Kindly note the following salient details:

Issuer name Zeder Investments Limited

Type of instrument Ordinary shares

ISIN number ZAE000088431

JSE code ZED

Meeting type Annual General Meeting

Meeting venue Electronic

Record date – to determine which Friday, 3 June 2022
shareholders are entitled to receive the
notice of meeting

Publication/posting date Friday, 17 June 2022

Last day to trade – Last day to trade to Tuesday, 12 July 2022
determine eligible shareholders that may
attend and vote at the meeting

Record date – to determine eligible Friday, 15 July 2022
shareholders that may attend and vote at
the meeting

Meeting deadline date (For administrative 10:00 am on Monday, 18 July 2022
purposes, forms of proxy for the meeting to
be lodged)

Meeting date 10:00 am on Wednesday, 20 July 2022

Publication of results Wednesday, 20 July 2022

Website link www.zeder.co.za/Zeder-Annual-Report-
17 June 2022

PSG Capital

Independent Joint Sponsor
Tamela Holdings

Date: 17-06-2022 04:15:00
Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited (‘JSE’).
The JSE does not, whether expressly, tacitly or implicitly, represent, warrant or in any way guarantee the truth, accuracy or completeness of
the information published on SENS. The JSE, their officers, employees and agents accept no liability for (or in respect of) any direct,
indirect, incidental or consequential loss or damage of any kind or nature, howsoever arising, from the use of SENS or the use of, or reliance on,
information disseminated through SENS.

All in Ohio Agenda Seeks to Transform Education, Voting Rights, Health, Safety and Taxes


Earlier this month, Ohioans from all walks of life gathered outside the Statehouse because we’ve had enough of what’s going on inside.

Inside, extremist and irresponsible lawmakers pushed policies that would target transgender children, muzzle teachers and determine when and how to start a family. Meanwhile, some of those same lawmakers are trying to funnel more of our public resources into wealthy corporations that drive down our wages and fight even the most basic worker protections.

Outside, a coalition that includes Policy Matters Ohio, Ohio Organizing Collaborative (OOC), Ohio Federation of Teachers, Ohio Education Association, and Freedom BLOC (Black Led Organizing Collaborative) launched the Everything for the Ohio Diary. We called for a new vision for our state – one that values ​​abundance over scarcity, healing over punishment, and solidarity over division.

We created the agenda because we want what most Ohioans want: safe, healthy, and beautiful communities where everyone can live with respect and dignity, regardless of race, gender, zip code or income level. The program is based on six policy pillars focused on income, education, suffrage, economic dignity, community safety and community health.

Our political solutions are practical and possible. Many could be immediately funded by the recent influx of federal dollars and bolstered by more balanced tax policy, including restoring the top tax rate to what it was under Republican Gov. George Voinovic and removing some special interest tax breaks that benefit the wealthy and corporations. Since 2005, state legislators have drained about $8 billion from Ohio communities a year to provide tax cuts and tax breaks to the wealthiest Ohioans and wealthiest corporations. As a result, the wealthiest 1% of Ohio households — those with an average annual income of nearly $1.5 million — received an average annual tax cut of nearly $51,000. . Our agenda simply asks those who do well in Ohio to do well in Ohio.

A handful of corporate-backed extremists want to divide us by race, gender and geography so we can’t band together and demand that the rich pay what they really owe. They want to undermine our faith in one of the most important assets government provides: public education. These same extremists are also afraid of losing power as the nation changes, so they want to stop teachers from talking about race or even saying the word “gay”.

Public schools serve as anchors for communities and the center of family life. That’s why our program puts so much emphasis on education. Some of the same people who attack teachers and students want to take our public dollars from our schools and give them to the wealthy and corporations. In the latest state budget, the All in For Ohio coalition pushed lawmakers to finally fix how they fund K-12 education by passing the Fair School Funding Plan. As we prepare the 2023-2024 state budget, we call on lawmakers to make the plan permanent. Otherwise, we will revert to a system that prioritizes wealthier, whiter neighborhoods and discards neighborhoods where residents tend to have lower incomes. The old system did not serve both rural and urban communities, and particularly hurt black and brown students. We cannot afford to go back.

Our program recognizes that when we live in safe communities with clean air and water and have jobs that pay fair wages and provide good benefits, we are better able to take care of ourselves. and our families. For too long, some politicians have stacked the game against ordinary Ohioans. We demand policies that ensure that all Ohioans have enough food on the table and can get the health care they need. We are pushing lawmakers to increase funding for child care so that more parents can work knowing their children are safe and that child care centers pay caregivers a salary that recognizes the essential work they do. Our program will help workers share in the prosperity they create by raising the minimum wage. We can make our communities safer by adopting a caring response for people in crisis and community programs that focus on healing, instead of relying primarily on punishment and aggressive law enforcement. And our agenda will get to the root of racial disparities in life expectancy, infant mortality and maternal mortality by recognizing racism as a public health crisis.

Right now, some powerful Ohio policymakers don’t buy into our vision and don’t seem to appreciate the voice of their own constituents. They have flagrantly defied the will of the people by refusing to pass fair legislative maps, ignored calls to end attacks on health care and schools, and continue to propose divisive legislation. The All in for Ohio agenda will protect our right to speak out in peaceful protest. It will be easier for all Ohioans, no matter where we live or what we look like, to raise our voices while voting. Our program has real people behind it. All in For Ohio’s organizing partner, the OOC, is registering 50,000 people to vote this year. We know we can’t just wait for some politicians to do the right thing. Our program points the way to the bright future we can create together. Now we must come together and build the power we need to make this a reality.

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National group representing college professors calls Purdue’s presidential hiring process ‘disturbing’


A national group representing university professors call Purdue University presidential hiring process “disturbing.”

Last week, the successor to current chairman Mitch Daniels was announced at the board meeting. This announcement came as a surprise to the three chapters of the Purdue American Association of University Professors, who issued statements criticizing the process to be secret and not allow teachers to contribute.

Now the national branch of the AAUP has weighed in – noting how unusual it is not to include professors in the decision.

Mark Criley works in the Department of Academic Freedom, Tenure, and Governance at AAUP. He said a The 2021 survey revealed that 94% of doctoral institutions involved faculty in presidential research.

“It’s a very rare thing in all four-year colleges, but especially in doctoral institutions. It’s a widely shared standard, and I think it reflects the importance of involving faculty,” he said.

Criticizing the decision, local AAUP chapters noted that no strict rules regarding the presidential selection process had been violated – but said the board had strayed from long-standing standards.

Criley said faculty participation in a presidential selection should be guaranteed by more than just standards.

“The fact that it’s left to standards in many cases is part of the problem,” he said. “We would like to see more institutions that incorporate this into their statutes – the involvement of the different components of the university.”

In academic institutions, these standards seem to be changing somewhat. The AAUP last conducted a survey asking if faculty were involved in the presidential hiring process in 2001. In response, 93% of universities said they were. By 2021, that number had fallen to 88% (the 2001 survey did not distinguish between four-year institutions, so it is unclear exactly how doctoral institutions like Purdue have changed).

“It’s very disconcerting to us on our principles,” Criley said. “It should be true that the governing components of the university work together to make these selections.”

A Purdue University spokesperson did not respond to the WBAA’s request for comment.

Aging and experience reveal a deeper understanding

Charles “Chick” Perethian, 1988 (Photo courtesy of Mrs. Ann Tikoian)

How many times have you thought of people older than you whom you have crossed paths with but who may not have fully appreciated their perspective at the time? You might have had great respect for them, but you just couldn’t grasp their depth until you were in their shoes. God has an answer for this void. This is called the wisdom of aging. I would like to convey such an experience in this journey that we call our Armenian identity in the Diaspora. My father Carnig was an active and respected member of the community. Besides professional relationships, his friendships were in the Armenian community. He was my mentor and I followed in his footsteps of trust in the Armenian world. When I began to find my way in my late teens and twenties, I became the beneficiary of the wisdom of many of his peers. One such encounter was with an iconic leader of the Providence community named Charles “Chick” Perethian. Everyone knew Chick, and he knew everyone. Chick was gifted with the type of personality that attracted friendships and trust. He had a network in the Armenian community that was unprecedented.

Our dear friend was the son of genocide survivors and grew up in the community of Pawtucket. He was a veteran parishioner of Sts. Church of Vartanantz in Providence. His dear wife Angel was the longtime administrator of the parish office, mostly during the ministry of the iconic Der Mesrob Tashjian. I loved listening to Chick talk about her days at the Armenian Youth Federation (AYF), community challenges, and especially her love of youth. At an Olympic dance or community event, our gang would sit together, and Chick would invariably stop by our table first and bark her proverbial, “How are you, AYFers?” He was warm, sincere and full of wisdom. I spent time talking with him at proms, only pausing for our traditional “brethren” haha Dance. Chick was a hard-working family man with the values ​​of the greatest generation, who made his living selling leather goods. He traveled throughout New England calling shoe houses and serving accounts with leather goods. Every month, on the same day, Chick was in the Springfield area and had dinner at my parents’ house. The day of her visit was also my mother’s bowling league night, so she would cook dinner, stay for about half an hour, and head out to the bowling alley. My father, Chick and I enjoy dinner together and engage in intriguing Armenian political discussions late into the evening. I would marvel at the depth of knowledge these two men had and the brotherly respect they had for each other. Chick always asked the right questions and took a genuine interest in my thoughts and the work of AYF at that time. He was a great sounding board for new ideas, and it gave me great comfort to know that these two patriots of the previous generation had our backs. These evenings together created a special relationship and made our social gatherings even more impactful. Predictably, around 9 p.m., Chick would say he had to hit the road to attend the parish board meeting in Providence. When I told him it was late, he laughed and answered me: “The important questions are always at the end of the meeting. With this, he would offer a wave of farewell from his starting vehicle until the following month.

Their imprint on Armenian society is permanent.

During my youth, absorbing the knowledge of people like Chick Perethian was always of paramount importance. Through our friendship, I began to understand the foundation of our community that we inherited. He was a generation older, but my comfort level with him made him a cooler uncle. He represented a living example of the faith and heritage values ​​we received. He was a proud American and lived his life to advance our Armenian interests. They were representative of those who came before us and explained in detail how the AYF developed from the 1930s to the 1970s. They were men and women whose parents were genocide survivors, were born during the Great Depression and literally set out to save the world from oppression at an age comparable to mine. They raised families and built many of the institutions we enjoy today. Their imprint on Armenian society is permanent. Of course, many have done this task for our generation, but Chick was our man and was always available to share his wisdom with us. Even though we think we have a full understanding of the interpersonal dynamics between our generations, it is only when we have played this role ourselves that we have gained a true appreciation. It’s the value of experiencememories and lasting respect.

Many years ago, my father and mother explained to me that I would not understand their joy as grandparents until, God willing, we were blessed with this gift. Now that we are grandparents, I really understand what my parents told me 30 years ago. This illustrates the importance of establishing relationships with the older generation early, because without this initial relationship, further learning will not take place. This would be defined as a tragic missed opportunity. I am grateful that my parents, in keeping with traditional Armenian family values, instilled in my sisters and me a deep respect for our elder generation. When our grandparents or other people of their generation visited our house, it was clear that we would show them respect and attention before apologizing for acting like children with our cousins, otherwise there would be a price to pay. This was never a problem as we loved the attention from our elders. I cry a little when I see young people separated from elders because of geography or family behavior. Mutual benefits for each generation are essential to realizing our potential.

It was this value established in my youth that created the opportunity to learn when my paths crossed with Chick Perethian. Although I loved the man very much, I still did not, looking back, have a full understanding of what drove his passion. We just enjoyed it. We understood the part that showed a sincere interest in our needs as AYF members of that day and a common interest in engaging in Hai Tahd’s affairs. What I didn’t understand at the time was the “continuation of the story” that governed his joy. Chick lived her youth watching us carry on the legacy of AYF. Intellectually, in my twenties, I may have had a superficial understanding, but full internalization did not occur until the generational transition of roles. We gave him the opportunity to continue his worth by receiving his wisdom. It was heartening for him to see the work that was so much a part of his identity continued by those of the next generation. It was further confirmation that his path had been the right one with the advocacy of a new generation. It brought an inner peace that we will only be able to appreciate later in life. It is a latent gift that binds generations to our common mission. I developed an even greater appreciation for the man and his peers so many years later. I’ve had similar feelings about our current youth for the past few years. Every time I or someone of my generation is asked a question about our times or contemporary issues, it creates an instant bond that rejects generations and makes us all just sons and daughters of the Armenian nation. It is a transformation that strengthens our community.

I taught Sunday school for many years at the high school level. These former students are now adults and my peers as we share responsibility for our faith and our heritage. Life has a way of providing us with these new possibilities that are created from changing relationships. Students become peers and mentors become brothers and sisters with a common goal. These micro-relationships and the resulting depth of understanding are the essence of who we are as a community. Once the branches are set at Junior Seminary, the Olympics, or Camp Haiastan, they support our growth for a lifetime, as we can confirm by continued joy in unpredictable ways. All of this is a verification that our communities, our relationships and our participation are worthy of our investments. They pay bountiful returns and are able to maintain a sense of purpose. In the end, if our intention on this earth isn’t to give to something greater, then what’s the point? Hidden in the seemingly endless capacity of our hearts, we protect the memory of those who have been part of our journey like Unger Perethian. We are all better off because of these people. If you are young, identify these relationships and make the most of this opportunity. If you are older, please understand the importance of passing on your experience and knowledge. We have all been called upon to contribute to the continuity of our civilization. For this sacred responsibility, we must do our best to prepare for the task. Embrace knowledge. Protect the values ​​of those who guided you. Take the time to inspire your children and appreciate those who came before you.

Stepan Piligian

Stepan grew up in the Armenian community of Indian Orchard, MA at St. Gregory Parish. A former member of the central executive of the AYF and the executive council of the Eastern Prelature, he also served many years as a delegate to the Eastern Diocesan Assembly. Currently, he is a member of the board and executive committee of the National Association for Armenian Studies and Research (NAASR). He also sits on the board of the Armenian Heritage Foundation. Stepan is a retired computer storage industry executive and resides in the Boston area with his wife Susan. He spent many years as a volunteer teacher of Armenian history and contemporary issues to young generation and adults in schools, camps and churches. His interests include the Armenian Diaspora, Armenia, sports and reading.

Stepan Piligian

CCA Industries: Notice of Annual Meeting and Proxy


Letter to our shareholders

June 9, 2022

Dear shareholders,

After detailed discussions with financial and strategic buyers, management has concluded that the retail environment continues to experience uncertainty due to volatile physical store foot traffic and periodic supply chain disruptions due to to Covid-19.

Management recommends that CCA continue to focus on online sales, which have seen consistent double-digit year-over-year growth. We believe this growth, combined with a return to a more stable retail environment, will allow the business to unlock its true value.

We started the transition in 2019, so the transition required patience from investors, for which we are very grateful and thank you.

I hope this power of attorney finds you and your family in good health.

Respectfully yours,

Lance Funston

President of the council

CCA Industries, Inc.

PO Box 735, Little Ferry, NJ 07643



This proxy statement contains “forward-looking statements” expressing management’s expectations about the future based on plans, estimates and projections at the time we make the statements. You can identify these forward-looking statements by the fact that they do not relate strictly to historical or current facts and often use words such as “anticipate”, “estimate”, “expect”, “believe”, ” will”, “will likely result”, “objective”, “plan”, “should”, “outlook”, “project” and other words and phrases of similar meaning. Forward-looking statements involve known and unknown risks, uncertainties and other factors, which may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements.

You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this proxy statement. Factors that could cause actual results to differ materially from those in the forward-looking statements are described in our annual report for fiscal 2021 filed with the OTC on February 25, 2022, and our other periodic reports previously filed with the SEC or OTC. We assume no obligation to publicly release any revisions to forward-looking statements, to report events or to report the occurrence of unforeseen events.






NOTICE IS HEREBY GIVEN that the virtual annual meeting of shareholders of CCA INDUSTRIES, INC., a Delaware corporation (hereinafter, the “Company” or “CCA”) will be held on July 12, 2022 at 2:00 p.m., Eastern Daylight Time. . Shareholders will be able to listen, vote and ask questions via the following link: https://www.ccainvestor.com/2022-annual-meeting.An internet connection is required to access the link. In addition, shareholders may participate by telephone at 646-558-8656, Meeting ID 856-5432-9479, password 565356. There will be no physical location for shareholders to attend.

Management proposals

  1. Elect as directors the seven nominees named in the enclosed proxy circular (four of whom are to be elected by Class A Common Shareholders and three of whom are to be elected by Common Shareholders).
  2. To ratify the appointment of CohnReznick LLP as the Company’s independent audit firm for the fiscal year ending November 30, 2022.

Any other business, if any, which may properly come before the Meeting or any adjournment thereof, shall also be considered.

The proposals identified are described in more detail and related information is presented in the management information circular accompanying this notice.

Only shareholders of record at the close of business on June 1, 2022 are entitled to receive notice of and vote at the Meeting and any continuation or adjournment thereof.

Your vote is very important. All shareholders are requested to be present at the virtual meeting or by proxy so that a quorum can be ensured. Instead of attending the virtual meeting and voting, you may vote by telephone or internet, or by completing and returning the enclosed proxy card.


Lance T. Funston

President of the council

Little Ferry, New Jersey

June 9, 2022




Our Virtual Annual Meeting Notice, Proxy Circular, Letter to Shareholders and Annual Report are available online at:





























This is an excerpt from the original content. To continue reading it, go to the original document here.


CCA Industries Inc. published this content on June 15, 2022 and is solely responsible for the information contained therein. Distributed by Audienceunedited and unmodified, on Jun 15, 2022 4:32:06 PM UTC.

Public now 2022

All the news from CCA INDUSTRIES, INC.
12:33 p.m. ACC INDUSTRIES : Notice of Annual Meeting and Power of Attorney


04/15 CCA Industries, Inc. Reports Net Earnings for the Quarter Ended February 28, 2022


04/15 ACC INDUSTRIES : Financial statements for the quarter ended February 28, 2022


04/15 ACC INDUSTRIES : Information statement for the quarter ended February 28, 2022


02/25 CCA Industries, Inc. Reports Financial Results for the Year Ended November 30, 2021


2021 cca industries, inc. announces the appointment of christopher dominello as chief executive officer..


2021 CCA Industries, Inc. Announces Leadership Changes


2021 TRANSCRIPTION : CCA Industries, Inc. – Call to shareholders/analysts


2021 ACC INDUSTRIES : announces the results for the third quarter of 2021


2021 CCA INDUSTRIES, INC. : announces the results for the third quarter of 2021



Duration :

Period :

CCA Industries, Inc. Technical Analysis Chart |  MarketScreener

Voters overwhelmingly support increased funding for education and training beyond high school


Big question for candidates: “What is your plan to ensure that Arizona students have quality teachers and principals? »

PHOENIX, June 14, 2022 /PRNewswire/ — Center for the Future of Arizona (CFA) today released its findings on the education of new Arizona Voter Diary, which identifies what likely voters in the general election want candidates to address when campaigning for their votes. The education results show overwhelming support from voters of all political parties and age groups on important education issues, including increased funding for education, expanded opportunities for secondary education and improved educational outcomes.

“Arizona’s voters’ agenda is a data-driven look at the issues likely Arizona voters from all partisan segments and age groups agree and prioritize when considering who to vote for in the upcoming election,” explained Dr. Sybille Francois, President and CEO of CFA. “There’s no better place to start than education, which is critical to our long-term success and was the top issue in the Gallup Arizona CFA survey in 2020. Voters are more interested in hear about these issues than they are many hot topics -buttons the issues that currently dominate political dialogue.And they want to know where the candidates stand on these issues as well as their plans for addressing them as they take their decision on who to support with their vote.

The top education issue on the Arizona voters’ agenda is “Ensuring that Arizona schools have quality teachers and principals,” a topic supported by 97% of likely voters, including 96% among Republicans, 95% independents/unaffiliated, and 98% Democrats. This was also the main finding on education of the CFA’s report on the Gallup Survey in Arizona in 2020.

Additionally, 72% of voters strongly support “Raise teachers’ salaries,” which rises to 88%, including those who support it somewhat. This includes 80% Republicans, 90% independents/unaffiliated, and 98% Democrats. And 65% strongly support the broader concept of “Increase funding for K-12 public education,” and another 17% somewhat support it. This includes 69% Republicans, 90% independents/unaffiliated, and 97% Democrats.

“Voters continue to believe that schools are underfunded and teachers are underpaid,” Dr Francis said. “It’s important to note that super majorities of voters — including Republicans — want to invest in quality education.”

Read more.

SOURCE Center for the Future of Arizona

Professor Rutgers and Upper Freehold Township resident Dr. Peter DeSciscio installed as NJDA President – MidJersey.News


June 13, 2022

North Brunswick, NJ – Dr. Peter L. DeSciscio, who practices in South Amboy, was installed as the 153rd president of the New Jersey Dental Association on June 8 at the biannual meeting of the New Jersey House of Delegates. organization.

Dr. DeSciscio has been in private practice and on the faculty of Rutgers School of Dental Medicine since 1987.

Dr. DeSciscio graduated from the College of Medicine and Dentistry of New Jersey (now Rutgers) in 1985. After a general practice residency at Jersey City Medical Center, he returned to New Jersey Dental School in Newark to begin his dental career. teacher. He is currently a professor in the Department of Restorative Dentistry and has held many positions during his 35 years at the school, including associate dean, government affairs, dental director of the school-affiliated Plainfield Health Center, chair of the Alumni Association, President of the Academic Assembly, and he currently serves on the Nominations and Promotions Committee. Dr. DeSciscio received the 2004 Excellence in Teaching Award from the Rutgers School of Dental Medicine Foundation.

Dr. DeSciscio joined the New Jersey Dental Association in 1990 and has held many leadership positions within the organization, including director, secretary, treasurer, and vice president. He was also president of the Middlesex County Dental Society (a component society of the NJDA) and received the NJDA Presidential Recognition Award.

“I had the pleasure of knowing Dr. Peter DeSciscio for nearly 30 years,” said Dr. Maxine Feinberg, former president of the American Dental Association. “I am confident that the NJDA, its members and the public will be well served during his term as President. I look forward to our continued collaboration, as I am sure he will continue to lead with passion and integrity.

Dr. DeSciscio’s leadership experience extends beyond Rutgers and the NJDA. He was a board member of the New Jersey State Board of Dentistry for 10 years and served as its president in 2006-2007. He was also president of the Fauchard Dental Society of New Jersey and the New Jersey Academy of General Dentistry. Nationally, he served as president of the American Association of Dental Boards. Dr. DeSciscio has been inducted into both the American College of Dentists and the International College of Dentists.

In addition to serving as NJDA President for the 2022-23 term, he currently serves as Vice Chair of the American Board of Dental Examiners (ADEX) Examination Board, Member of the Faculty Advisory Board for Colgate Dental Educators and review committee member for the Restoration Subcommittee of the American Board of Dental Examiners.

Dr. DeSciscio grew up in Edison, New Jersey and attended St. Joseph High School in Metuchen. He then attended St. Peter’s College in Jersey City, where he graduated with a Bachelor of Science in Biology in 1981. While there, he was inducted into the Cross Keys Honor Society.

Dr. DeSciscio is the owner of Amboy Dental Arts, located at 210 Augusta Street in South Amboy, NJ. He resides with this wife Pina and their two daughters Gracemary and Sophia in Upper Freehold Township, NJ.

Dr. Peter L. DeSciscio, who practices in South Amboy, was installed as the 153rd president of the New Jersey Dental Association on June 8 at the organization’s biannual House of Delegates meeting.

Don’t forget to sign up for our email list (subscribe on the right sidebar of the site), Facebook, Twitter and YouTube.

Send photos to MidJersey.News using the contact form and we’ll send you the email address to send them to. Photos must be your original work and not taken by someone else or used without permission from the artist. Gas is +/- $5.00 a gallon and we can’t do as much as we would like so any help we can get is appreciated. It is a volunteer news site run by journalists as a public service to cover areas of New Jersey that traditional news organizations ignore.

Support us by buying us coffee here: https://ko-fi.com/midjerseynews

UPDATE 1 – Police investigate homicide in St. Catharines


The Niagara Regional Police Homicide Unit continues to investigate a homicide that occurred Sunday, June 12, 2020 at the intersection of Pleasant Avenue and Lake Street in the St. Catharines neighborhood.

Detectives remain in the area looking for information related to this incident.

The deceased victim in this case has been identified as a 33-year-old man. The relatives of the deceased have been notified and at the request of his family, no other information concerning his identity is communicated by the police.

The second victim in this case, a 32-year-old man, suffered life-threatening injuries. The third victim, a 34-year-old woman, sustained non-life-threatening injuries and is recovering.

The ongoing investigation has determined that the victims and suspects attended a social gathering at a residence on Pleasant Avenue just prior to the shooting.

The relationship between the victims and the suspect(s) and the events leading up to the shooting are still part of the ongoing investigation.

Police are asking anyone who attended the social gathering or was in the area at the time of the shooting to contact Detective Sgt. David Pierini at (905) 688 – 4111, dial option 3, ext. 1009134.

Members of the public who wish to provide information anonymously may contact Niagara Crime Stoppers online or by calling 1-800-222-8477. Crime Stoppers offers cash rewards to people who contact the program with information leading to an arrest.

ORIGINAL RELEASE – June 12, 2022

On Sunday, June 12, 2022, at approximately 3:40 a.m., uniformed officers from District 1 (St. Catharines) responded to the Pleasant Avenue and Lake Street area in the City of St. Catharines to report a shooting.

Upon arrival, officers discovered three victims as a result of this incident. One victim was pronounced dead at the scene. Two other victims were taken to hospital. The second victim was seriously injured and was taken to an out of town hospital for treatment. The third victim is currently being treated for non-life-threatening injuries.

The Niagara Regional Police Service Homicide Unit has taken control of this investigation and is appealing to any witnesses or anyone in the area with a dash cam or surveillance footage to contact police at about this incident.

The area where this incident occurred has been closed to traffic while officers investigate and deal with the scene.

This investigation is in its early stages and no further information is released at this time.

Anyone with information on this matter can contact Detective Sergeant David PIERINI at (905) 688 – 4111, dial option 3, ext. 1009134.

Members of the public who wish to provide information anonymously may contact Niagara Crime Stoppers online or by calling 1-800-222-8477. Crime Stoppers offers cash rewards to people who contact the program with information leading to an arrest.

Idem Thailand Public: Publication of the notice of the Extraordinary General Meeting of Shareholders No. 1/2022 on the Company’s website


Same as EL 012/2022

June 13, 2022

Subject: Publication of the invitation to the Extraordinary General Meeting of Shareholders No. 1/2022 of

Company Website



The Stock Exchange of Thailand

Reference to the resolution of the meeting of the board of directors of Ditto (Thailand) Public Company Limited (“Company”) no. 2/2022 of May 13, 2022 to convene the Extraordinary General Meeting of Shareholders No. 1/2022 on Thursday June 30, 2022 at 2:00 p.m. by electronic conference (E-EGM) in accordance with the Emergency Decree on Electronic Meetings, BE 2563 (2020) and other related laws and regulations.

The Company wishes to inform you that the Company has published the Invitation to Extraordinary General Meeting of Shareholders No. 1/2022 and supporting documents in Thai and English on the Company’s website at www.dittothailand.comfrom June 13, 2022 so that shareholders have sufficient time to review the details of the meeting agenda and relevant information prior to the meeting.

In this regard, the Company invites shareholders to send their questions relating to the agenda of the Meeting in advance. Shareholders should submit their queries with the shareholder’s name, address, contact number and email (if applicable) to the Company by email at [email protected]or through the company’s website www.dittothailand.comor by registered mail to the Company Secretary, Ditto (Thailand) Public Company Limited, 235/1-3 Ratphattana road, Ratphattana, Saphansung, Bangkok 10240.

Please be informed accordingly.


Mr. Takorn Rattanakamolporn



Same (Thailand) pcl published this content on June 13, 2022 and is solely responsible for the information contained therein. Distributed by Audienceunedited and unmodified, on Jun 13, 2022 05:52:10 UTC.

Preparing the agenda for presidential candidates


Party primaries are over, but the political economy of effects is only just beginning to play out in post-election conversations with and by candidates. The great parties have clearly shown that they are great in name and conduct, so grand are their primaries that the costs of their forms are utterly bewildering. The way we showed interest in the processes and results of these parties’ primaries was indicative of the importance we placed on their wealth and influence. People are already talking about Abubakar Atiku versus Bola Tinubu and when they want to add ethnic coloring they remember Peter Obi from the Labor Party. The other parties must begin to make citizens understand that they exist. They need to be competitive to give us choices rather than being limited to three games.

Many delegates from these major parties are still counting their winnings. The rains of naira and dollars have transformed some houses and changed some ways of life. Given the reports, partly exaggerated and partly true, people who touch the dollar for the first time in their lives are still wondering whether to change the money into naira and start spending or block it until after the general elections, while those who were to see or touch a million or millions of naira for the first time fear visits from armed robbers and kidnappers if they start spending now. For many, especially those operating at the presidential level, it was like a dream come true but the feeling of insecurity restricts the joy of being wealthy, temporarily or permanently.

I plead they should let the party begin now. Holding money adds no value to an economy while spending money has multiplier effects, especially if the amount is huge. I can imagine that 2,000 people will change $10,000 each, initially and at the current black market rate of around 550 naira to $1, then offload the equivalent in naira to the commodity market and another together 2,000 go to the same Nigerian commodity market with 10 million naira fee to purchase durable and consumable goods. The economy would experience some transformation and job creation, especially if the products are made in Nigeria. These are the expected immediate results of inciting party primaries. Or is it electoral corruption? Now on to the business of the day.

Very soon, the electoral arbiter, the Independent National Electoral Commission, will declare open the campaign for the general elections of 2023 and it is important to start to affirm the agenda of the discussions. There are many problems that require solutions. Some have been around since 2015 and are getting even more complicated while others are by-products of older ones. One of the major dubious recurring issues for discussion is corruption, which was a buzzword in the 2015 elections, but less so in 2019 as citizens witnessed increased or progressive corruption under that regime. who professed the fight against corruption to win the elections.

Nevertheless, we cannot sweep corruption under the rug as it fights back and we can no longer trust anyone campaigning to reduce or eliminate corruption. We can search around the world for various models of combating the scourge and choose one or a combination of models to deal with it without promise. We have laws, rules and regulations that are not followed or enforced. When enforced by the court, politicians, including the presidency, trivialize enforcement either through a policy of plea bargaining or the premature release of imprisoned thieves. A presidential candidate can give us lists of assets and funds he acquired fraudulently with a note of confiscation of all as a sign of seriousness in the fight against corruption. It could be a good step in the quest to win the presidential ticket. Recall that General Murtala Muhammed decided to confiscate such a part of his property when he became head of state in 1976.

When a campaign begins, candidates are not expected to identify problems and give general ways to provide solutions, but should be specific in how to solve problems. Local and national security issues have remained a major point of reference since 2015. The situation has since deteriorated and any governor or presidential candidate who cannot prescribe practical solutions to security issues in Nigeria should not be taken seriously. There have been arguments over whether the insecurity was caused by deteriorating economic conditions, vice versa, or the push for political dominance in the country. Each candidate must be able to identify the causal factors of insecurity, for example, and to propose several solutions.

Each candidate must tell us what he has to do with electricity. Like other national problems under this government, the electricity infrastructure seems to be collapsing every day, leading to higher cost of production with the use of generators and operating inputs whose prices have risen astronomically. The high cost of production has led to inflation or an increase in the cost of living, which has led to a drop in demand for goods, a precursor to higher levels of unemployment.

While Nigeria, Africa’s largest economy, has the capacity to generate 11,165.4 megawatts with its 23 power stations connected to the national grid and is currently struggling to reach 4,000 megawatts of electricity, the Republic of South Africa South is currently heading towards 60,000 megawatts (58.095 megawatts). This is why it is an industrial economy belonging globally to the G20 economies and we remain in the category of developing economies or the “rest of the world”. If we put in place the right electricity infrastructure, it will propel us into a real emerging economy. So every aspirant to the presidency of this country has to give a model of electrical infrastructure that will work for us.

This brings us to the question of investment and industrialization and, by extension, the challenge of fuel subsidies. The removal of fuel subsidies was part of what caught the attention of retired Major General Muhammadu Buhari’s party with Nigerians during the 2014/2015 campaign. Today, the subsidy does not only exist in triple costs but has become an implicit part of the reasons for borrowing in the domestic and international markets. What will the potential president do about it in the short, medium and long term? What to do with aging refineries whose spare parts are no longer on the market but are recorded as maintained and repaired without exits and with a full workforce? What will investments and industrial policy be in the future? In an enlightened society and with party delegates whose minds and souls have not been dollarized, Governor Ben Ayade of the APC and Governor Udom Emmanuel of the PDP would have won respectable votes in the elections for their efforts to industrialization of their respective states. They should continue their good work because it will pay off in the future. I hope they have state plans approved by the legislature to promote continuity after their term.

What is there for education and health other than waiting for the unions in the sectors to make noise and go on strike before dealing with the sectors? What will be done to improve the quality of education from primary to higher education? How are we going to improve the quality of science, technology, engineering and mathematics, which is driving the advanced economy where we aspire to be and where we should be now? The quality of education has gone down because the quality of educators has also dropped drastically. We have science teachers who cannot teach practicals to students because they were not taught when they were in higher education institutions. They were taught ‘theories of practice’ or ‘practice by description’. This is why our medical graduates, who migrate to Europe and other countries, must redo internships before permanent appointments! Nigeria used to boast of having a skilled workforce, but not anymore. We have more and more educated young people without skills. What will Mr Potential President do?

The country’s debt burden is very heavy and threatens the fabric of economic development. Much of the revenue is spent on servicing external debts with little or nothing for development. We even import food and medicine just like we import all kinds of exotic drinks, cars, clothes, etc. Those things that we used to produce and can produce here are imported, which encourages capital outflows for frivolities. National productivity is low for obvious reasons. Whoever aspires to be our president must talk to us about these issues. Anyone who is not ready to participate in the presidential debate this time around is expected to be voted out.

Copyright PUNCH.

All rights reserved. This material and any other digital content on this website may not be reproduced, published, broadcast, rewritten or redistributed in whole or in part without the prior express written permission of PUNCH.

Contact: [email protected]

Piyush Goyal participates in the G33 ministerial meeting in Geneva


Latest live news: Hello and welcome to the ABP News LIVE blog. Follow this space to get the latest developments and news from India, including the controversy over Prophet Mohammad’s remarks by Nupur Sharma, presidential polls, latest Covid update, Monkeypox and other stories in development across the country and abroad.

Prophet Row: Several states in turmoil, 2 killed in Ranchi

Two people died of gunshot wounds in Ranchi, the capital of Jharkhand, on Saturday and further protests erupted in Howrah, West Bengal, as tension reigned in several parts of the country a day after violent protests against the controversial remarks of the two now sacked BJP officials on the Prophet Mohammad. .

Authorities suspended the internet and tightened security in affected districts as they cracked down on protesters who were allegedly involved in violence and clashes with police on Friday, with nearly 240 people arrested in Uttar Pradesh alone. Cases have also been recorded in Delhi, Maharashtra and other states.

Prez Polls: Mamata Writes to CM Oppn, Congress Says Appoint Someone Who Can Protect Citizens

West Bengal Chief Minister Mamata Banerjee wrote to opposition leaders on Saturday asking them to attend a meeting convened by her on June 15 in New Delhi to prepare a common strategy for the upcoming presidential polls.

Banerjee sent a letter to 22 opposition leaders including Congress Speaker Sonia Gandhi, Delhi Chief Minister Arvind Kejriwal, CPI(M) General Secretary Sitaram Yechury.

Meanwhile, Congress has said opposition parties should overcome their differences and elect a president who can protect the Constitution, institutions and citizens from the BJP’s “ongoing assault” on power.

Amit Shah to Address IRMA Convocation Ceremony in Gandhinagar

Union Home Minister Amit Shah is embarking on a three-day visit to Gujarat and the Union Territory of Dadra and Nagar Haveli and Daman and Diu from Friday where he will chair a meeting of the Council of Western Zone, convening of Anand Institute of Rural Management (IRMA), among others.

On Sunday, the Union Minister will address the 46th IRMA Convocation Ceremony, inaugurate or lay the foundation stone for a number of Gandhinagar Municipal Corporation development projects.

He will also lay the foundation stone for a development project in Sanand.

Congress to Organize National Pressers for National Herald Crackdown on ED

Sachin Pilot in Lucknow, Vivek Tankha in Raipur, Sanjay Nirupam in Shimla, Ranjit Ranjan in Chandigarh, Pawan Khera in Ahmedabad, Alka Lamba in Dehradun, Nasir Hussain in Patna, Madhu Gaur in Goa will hold a press conference as part of the call from ED to Sonia Gandhi and Rahul Gandhi in the National Herald case.

In states where national leaders will not reach, local leaders will hold a press conference. On Monday, Congress will also hold protests across the country. In Delhi, all senior party leaders and MPs will visit the ED office with Rahul Gandhi.

Notice of Annual Meeting of Shareholders of Top Frontier Investment Holdings Inc. – Manila Bulletin


Notice of Annual Meeting of Shareholders of Top Frontier Investment Holdings Inc.

The 2022 Annual General Meeting of Shareholders of TOP FRONTIER INVESTMENT HOLDINGS, INC. will be held on July 8, 2022 (Friday) at 2 p.m. Due to health issues related to COVID-19, the company will not hold a physical meeting and will organize the Meeting by remote communication.

The proceedings will be streamed live on the company’s website www.topfrontier.com.ph. The President will preside over the Assembly at 40 San Miguel Avenue, Mandaluyong City, Metro Manila, Philippines.

The agenda for the 2022 General Meeting of Shareholders is as follows:

  1. Certificate of opinion and quorum
  2. Approval of the minutes of the General Meeting of shareholders of July 09, 2021
  3. Presentation of the annual report
  4. Ratification of the acts and deliberations of the Board of Directors and corporate officers
  5. Appointment of external auditors
  6. Election of the Board of Directors
  7. Other topics
  8. Adjournment

Electronic copies of the minutes of the General Shareholders’ Meeting of July 9, 2021, of the Notice of Meeting of the 2022 General Shareholders’ Meeting, of the Final Information Statement (accompanied by the Management Report), of the model ballot and proxy form, 2021 Annual Report (form SEC 17-A), 1st The 2022 Quarterly Report (SEC Form 17-Q), Summary of Board Resolutions since July 9, 2021, and other materials relevant to the 2022 Annual General Meeting of Shareholders are available on the company and are easily accessible via this link: www.topfrontier.com.ph/index.php/investor/TFASM2022. The aforementioned company reports and other information are also available on the Philippine Securities Exchange’s Electronic Disclosure Generation Technology (PSE Edge).

Shareholders can only attend the 2022 General Meeting by remote communication by following the procedure summarized below.

  • a. Shareholders wishing to view the live webcast of the meeting by accessing the link provided on the Company’s website www.topfrontier.com.ph. There will be an audio-visual recording of the proceedings, for future reference.
  • b. Presence of registered shareholders June 03, 2022 shall be counted, and their votes shall be cast, by means of ballot papers presented by the shareholders or their proxies. The deadline for submitting ballots and proxies is June 24, 2022. Ballots and proxies can be emailed to[email protected] or by mail to the office of SMC Stock Transfer Service Corporation located at 2n/a Floor, SMC Head Office Complex, No. 40 San Miguel Avenue, Mandaluyong City 1550, Metro Manila, Philippines. The validation of ballots and proxies will take place on July 01, 2022 at 2:00 p.m. at the office of SMC Stock Transfer Service Corporation located at the address mentioned above.
  • For an individual, their ballot or power of attorney must be accompanied by a scanned copy of their valid government-issued photo ID for identity verification. For a company, its ballot or proxy must be accompanied by the certificate of its corporate secretary establishing the representative’s authority to vote and/or represent the company at the meeting, if applicable. Ballots and proxies do not need to be notarized. For your convenience, a sample ballot/proxy form is attached to the final information statement. Hard copies of ballots, proxies and notarized secretary’s certificates must be sent to the office of SMC Stock Transfer Service Corporation located at the above address within a reasonable time thereafter.
  • vs. The Company will receive questions and comments after the presentation of the annual report. Questions and comments to the Board and/or management may be sent in advance (or may be written in the ballot/proxy) by email to [email protected]. Questions left unanswered at the meeting will be forwarded to the Office of the Corporate Secretary for an appropriate response.
  • D. The nomination requirements and procedure for election to the Board, the screening and assessment of candidate qualifications, and the voting procedure for all agenda items (including the election of Board members ), are defined in the definitive information document.
  • e. Shareholders whose shares are on deposit with brokers are urged to contact their respective brokers directly for advice on attending the 2022 Annual General Meeting.

If you have any questions or requests for clarification on the procedure of the General Assembly 2022, please send them by e-mail to [email protected].

(Original signed)

Virgilio S. Jacinto

corporate secretary and

Compliance Officer



Student association and student clubs


You can make the Saint Rose community even better, especially by playing an energetic role in the student association.

Student association

As student government on campus, “SA” provides the voice of the student body to Saint Rose faculty, administration, and trustees. In this way, members of the Association help establish policies on major campus issues and improve the future of the College.

As well as being the place where every student can share ideas and raise concerns, SA is responsible for planning several programs throughout the year – including postgraduate week, semi-formals, heritage month programming, and more! Learn how you can get involved in a committee to be part of this planning!

The board of directors of the student association 2022-2023

Chair – Anita Sanchez Garcia
Vice-president –Madison Wolfe
Co-secretary – Saul Zajkowski-Ennabe
Co-secretary– Andrea Mendoza
Treasurer –Alejandra Morillo
Therese Belfance

General Meetings

Fall 2022 semester meetings will be scheduled and made public once the semester begins. Please watch for updates to this page and signage around campus. Please contact Councilor Theresa Belfance for more information.

SA General Business Meetings are open to the campus community, everyone is welcome! Make your voice heard by attending a meeting. Stay up to date on campus activities and important news. Students can join various SA committees. For more information on the committees and to be an active member of SA, attend a weekly meeting or contact the student association.

Student clubs

Students come to campus with a variety of interests – students also develop new interests once here. We strongly encourage students to explore the many student clubs we offer – and if you’re looking for something new, we’re here to work with you to start your own club! Our clubs offer several programs throughout the year and there are always new ways to get involved. There will be club lounges to start each semester, so it’s never too late to sign up! Visit our Student Clubs page to see the different groups waiting to meet you!

David Y.Ige | DOH Press Release: DOH Identifies Third Probable Case of Monkeypox


DOH Press Release: DOH Identifies Third Probable Case of Monkeypox

Posted on June 9, 2022 in Latest news from the department, Press room

HONOLULU – The Hawaii Department of Health (DOH) has identified another probable case of monkeypox in a Hawaii resident.

The individual is an adult resident of Oʻahu who attended a social gathering. The individual has not traveled off the island.

The individual had symptoms consistent with monkeypox. Testing by the Division of State Laboratories detected orthopoxvirus – monkeypox is a type of orthopoxvirus.

The United States Centers for Disease Control and Prevention confirmed today that the first case reported on June 3 tested positive for monkeypox. Confirmatory tests for the second and third cases are pending with the CDC.

“This case has no travel history and we are investigating links between this third case and the first two cases,” said Deputy State Epidemiologist Dr. Nathan Tan. “Those at increased risk should avoid anonymous sexual contact or events where individuals may have close bodily contact with others.”

At this time, the risk for most Hawaii residents remains low. Vaccination is not recommended for the general public, but is considered on a case-by-case basis for close contacts of probable cases. The DOH conducts contact tracing and works with federal authorities to order vaccines and therapeutics from the National Strategic Stockpile.

Nationally, the CDC reported that many cases involved gay, bisexual and other men who have sex with men or those who had recently traveled abroad or within the continental United States. United. However, anyone who has been in close contact with someone with monkeypox is at higher risk of infection, regardless of gender, sexual orientation, or travel history.

Monkeypox is a rare disease caused by the monkeypox virus. The infection begins with flu-like symptoms such as fever, headache, muscle aches, chills, exhaustion, and swollen lymph nodes. The infection progresses to a rash or sores, often on the hands, feet, chest, face, or genitals. People usually become ill within 21 days of exposure.

Monkeypox can be spread through close and prolonged contact with an infected person or animal. This includes direct contact with bodily fluids, lesion material, or objects used by someone with monkeypox. Monkeypox can be spread by large respiratory droplets. These droplets generally cannot travel more than a few feet, so prolonged face-to-face contact is required.

People with symptoms consistent with monkeypox infection should contact their health care provider immediately.

Health care providers should immediately report suspected cases to DOH. Providers should be alert to patients who have rashes consistent with monkeypox, especially those who have recently traveled to areas reporting cases of monkeypox and regardless of gender or sexual orientation. Providers can click here to read the June 3 DOH Medical Advisory for more detailed guidance.

# # #

Media Contact:

Katie Arita Chang

Acting Communications Director

E-mail: [email protected]

Phone: (808) 286-4806

Coming soon: friendly advice agendas


Bill Barnhardt, City Hall is listening.

Less than 12 hours after the Del Webb resident made suggestions to rework council meeting agendas to help the public better navigate city government, acting city manager Toni Lundgren said that staff were already working to put their ideas into place.

His suggestion to group related agenda items together so that someone interested in a particular topic can easily identify them will be in place by the June 21 meeting.

And that’s not the only effort the city is making to help the people it serves better understand local government.

Lundgren said staff also wanted to see if they could change the water usage shown on the city’s monthly utility bills from being shown in hundreds of cubic feet rounded to the nearest hundred and to show instead the exact gallons used.

This way, residential water users who use gallons to measure water in daily life will have a less abstract concept of the water they consume. It would also help them have a baseline in efforts to adjust water use during drought.

And based on a social media post by a Manteca resident about a water bill story, staff will explore to see if current billing software for water usage would allow comparisons of year-over-year based on the most recent month instead of listing month-to-month usage in the last 12 months.

The resident pointed out that a comparison of May 2021 to May 2022 would give them an idea if they need to work on reducing outdoor watering which tends to spike in the warmer months.
It’s all part of a commitment the city’s leadership team has made to improve communication and transparency in an easy-to-understand way instead of getting bogged down in what some call a bureaucratic mess.

In the case of the city’s agenda, Lundgren noted that it’s long overdue for an update.
Director of Legislative Services/City Clerk Cassandra Candini-Tilton and her staff are reworking the “last pages” of the agenda that has been in place for years to see if it can be streamlined.

The plan for the future is to group items under the consent and action segments of the agenda by department. This sounds a lot like what the San Joaquin County Board of Supervisors does with its agendas.

Barnhardt, making his remarks during the public comment section of Tuesday’s council meeting, said the fact that related items are not grouped together may lead some to believe the city is trying to hide something or is less than stellar in his efforts to do so. easy for people to follow the actions of the city.

He highlighted the McKinley Avenue interchange project which has three separate items on the agenda. Instead of being lumped together, they were scattered across the agenda.

To contact Dennis Wyatt, email [email protected]

Penn State President Neeli Bendapudi on her top priorities — and some personal favorites


It’s been about a month since Neeli Bendapudi took over as Pennsylvania State University’s first female president and first president of color.

Bendapudi, 58, says it’s too early to present his full program for the school of more than 97,000 students. But the former president of the University of Louisville shared some of her top priorities during an interview earlier this month from her office on Penn State’s main campus.

Whereas she officially became president on May 9, Bendapudi – who will earn an annual salary of $950,000 under a contract that spans the 2026-27 academic year – arrived on campus seven weeks before that to work alongside outgoing President Eric J. Barron. She has already visited all but two of the university’s 19 Commonwealth campuses or branches across the state. A first priority, she said, will be making sure they get the attention they need to thrive.

She made one of her first high-profile decisions last week, announcing that Assistant Professor Oliver Baker, who had a physical altercation with a student protester at a rally in support of COVID-19 vaccine mandates in August last, could keep his job – although she called his behavior “misconduct”.

“The faculty member was an active antagonist with a student in a free speech zone,” she wrote in an email to the president of the faculty senate. “I have determined that this was clearly misconduct on the part of the faculty member. I have also determined that there is no clear and convincing evidence that this behavior rises to the level of ‘serious misconduct required to terminate employment and revoke mandate.

READ MORE: Penn State expanded its branch campuses decades ago. Now some say this is one of the reasons state universities are in trouble.

The faculty had rallied behind Baker, who also had the misdemeanor charges against him dropped. Some called on Penn State to expel the student, Avi Rachlin, who tried to disrupt the rally that day, waving anti-vaccine signs, shouting and swearing, according to the Chronicle of Higher Education.

Bendapudi declined to comment on Rachlin during the interview with The Inquirer.

The Coalition for a Just University, a group made up largely of faculty, disputed in a statement that Baker had committed misconduct and said he was “trying to defend students and faculty against a sexist and racist provocateur.”

Bendapudi also attended his first meeting of Big Ten Conference presidents last weekend. During the interview, she acknowledged the debate over compensation for college athletes, a topic that Jay Paterno, a Penn State board member and son of the late football coach Joe Paterno, recently wrote about. He advocated for legislation that would allow athletes to organize and engage in collective bargaining, and would require major universities to “develop a revenue sharing plan” that would increase the scholarships athletes already receive.

“The idea that athletes should have the opportunity to participate and benefit in some way, [given] what they contribute to the university makes sense to me,” Bendapudi said. “I just don’t want us to lose sight that our primary focus is the education of these young people, because at some point there is time beyond the buzzer, for anyone. Our role is to ensure that we deliver on the academic promise made to them.

Bendapudi says she will also pay close attention to the Penn State medical system, as she did with the University of Louisville health system. In 2019, Louisville bought a system with four hospitals that required a $50 million state loan, but saved hundreds of jobs and kept care in place for the area, according to the news. reports.

Next month, she will address the trustees at her first regular board meeting as president, where the board will likely set tuition fees for next year. Although Bendapudi was not ready to say whether she would support an increase, she said tuition hikes were acceptable if additional funds were applied to student aid to reduce the burden on those who could least. afford.

Here is more to know about Bendapudi.

Hometown: Visakhapatnam, India

Education: BA in English and MBA from Andhra University, India; in Marketing from the University of Kansas

Family: Husband, Venkat Bendapudi, (retired teacher). Married 38 years. His daughter, Sirisha Bendapudi and son-in-law, Kyle Ladd, also moved to State College with 15-month-old grandson, Arjun. Mom, Padma, will be moving to State College soon.

READ MORE: Penn State names Louisville President Neeli Bendapudi as its next leader

Favorite movies: It’s a wonderful life, and more recently Soul

Favorite TV show to binge on: used to be Law and order, now it’s Breakup

Favorite artist or band: Black Violin, because they inspired her husband to dance.

Favorite foods: Biriyani with vegetables and ice cream

Favorite vacation spot: The beach

Books she is currently reading or has read recently: Earth Cuckoo Cloud and Meditations by Marcus Aurelius (this last one annual tradition)

Choice of exercise: While walking

Favorite professional sports team: “I’m more college sports“, she says. “So for pro teams, every team with Penn State alumni!”

Currency to live by: “Cultivate gratitude.”

If you had to sum up your leadership philosophy in one sentence, it would be:We are only as strong as the teams we develop and we are truly one team when we are aligned on the mission, play complementary roles, welcome diverse perspectives, have candid conversations and give voice.

Favorite teacher growing up and why: “Mr. Rajan, my art teacher. He didn’t just teach drawing and painting; he taught life lessons about creativity, compassion, empathy and perspective.

What keeps you up at night: “Sleeplessness. Seriously, it’s about how do we deliver on the land-grant university’s promise at the scale we have and with the agility we need to have.”

If you had all the money you wanted for Penn State, you would have:Invest in our students, faculty, staff, and our teaching, research, service, and outreach mission.

Notice of meeting of the Annual General Meeting


Orphazyme AS
company announcement
No. 31/2022
Company registration number 32266355

Copenhagen, Denmark, June 7, 2022 – Orphazyme A/S (ORPHA.CO) (the “Company”), announces today the notice of the Annual General Meeting of the Company to be held on:

Wednesday, June 29, 2022, at 2:00 p.m. (CEST)

at the offices of Gorrissen Federspiel, Axeltorv 2, DK-1609 Copenhagen V.

Notice of Annual General Meeting, including Appendix 1: Nominees to the Board of Directors is attached.

Additional information on the Annual General Meeting is available on the Company’s website: https://orphazyme.gcs-web.com/annual-general-meeting-0

For more information, please contact

Orphazyme A/S

Anders Vadsholt, Managing Director and Chief Financial Officer: +45 28 98 90 55

Forward-looking statement
This company announcement may contain certain forward-looking statements under the United States Private Securities Litigation Reform Act of 1995 and otherwise, including forward-looking statements regarding the company’s annual meeting, annual and interim reports and the timing of such meeting. -this. Although the Company believes that its expectations are based on reasonable assumptions, all statements other than statements of historical facts included in this Company announcement regarding future events are subject to (i) change without notice and (ii) factors beyond the Company’s control, including pursuant to regulatory or judicial intervention. Except as required by law, the Company undertakes no obligation to update these forward-looking statements publicly, or to update the reasons why actual results could differ materially from those anticipated in the forward-looking statements, even if new information becomes available in the future.

Centrist agenda for BBM: institutionalize real political parties


Last of 3 parts

LAST week’s article discussed, among other things, revisions to Cory’s 1987 Constitution toward parliamentary government. A case was presented briefly differentiating between our current presidential and parliamentary systems, also known as political party government. Empirical evidence suggests that parliamentary systems do better for citizens economically than presidential systems. In fact, 60-70% of the economically and politically successful countries in the world have parliamentary governments – arguably the most superior system. Presidential systems, like that of the Philippines, rank among the poorest and least developed in the world.

But for parliamentary government to work well, the establishment of real political parties is essential. It is regrettable that such political parties do not exist in the Philippines. But the Center Democrats (CD) have worked with Congress for decades to pass laws to grow political parties. He did not succeed. But we trust that the new BBM government, drawn from statements by Bongbong himself, may succeed in introducing much-needed political reforms. A parliamentary form of government favored by his father was written into the Marcos Constitution of 1973, later replaced by a groundbreaking constitution and later President Cory Aquino’s 1987 Constitution.

Political parties — what we have

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Prior to his rise to power, Ferdinand Marcos, and his regime of martial law, governments were dominated by two political parties – the Liberal and the Nacionalista – different sides of the same coin. These two former groupings were the closest the Philippines had ever had to a two-party system until Marcos, a member of both parties at times, imposed martial law in 1972 and President Cory Aquino, who did not believe political parties and hated everything. Marcos, subsequently authorized the proliferation of a multi-party system in his 1987 Constitution. Since then, subsequent administrations of FVR, Erap, GMA, PNoy and Duterte have been characterized by elected officials jumping from political party to political party. each other in a bizarre game of political musical chairs without flinching on their ideological underpinnings and platform of government, the main consideration being their share of the windfall that flows from the powerful office of the Philippine presidency – the hallmark of our traditional political practices .

This convoluted practice, an almost exclusively Filipino phenomenon, is derided as the “political butterfly” syndrome. In this context, changing political parties is like chameleons changing skin color superficially. It is the description of a lack of ideological perspective and of politicians bereft of a moral compass anchored in patent opportunism. These defections rage on the changing winds of political fortunes and are made purely for political survival. Few politicians have the temerity to remain affiliated by principles and values. They are an endangered species.

Almost all political parties in the Philippines are structured in a way that closely follows the age-old patronage system. The boss (in this case the incumbent president) who provides the resources makes almost all the decisions of the party, in particular with regard to the candidates for elective positions; party central/executive committees are usually composed of presidential allies and subordinates; and there are no real year-round party offices and activities, except during election periods.

Invariably, political parties do not have a single, consistent set of beliefs that distinguishes them from each other; at most they utter maternal slogans and declarations that pass for political doctrines. Their political agenda is, predictably, geared towards preserving the prerogatives of elected members, ensuring the continued accrual of privileges and privileges for themselves, their families, and their allies. Individual programs and family interests necessarily take precedence over the collective assessment of the needs of society by a political party. And once given the privilege to govern, public policies are instituted on the fly emanating from the framework of traditional political practices, their understanding of national issues seen subjectively through the prism of personal and family interests, thus perpetuating the weak existing political institutions. These are our aberrant political parties. They must be transformed into real political parties, heralding a truly functional parliamentary government.

Political parties – what we want

Excerpts from my past columns on the development of political parties:

“In more modern developed countries, political parties are the sine qua non of a vibrant democracy. They are not vehicles for personal electoral survival and the perpetuation in power of dynastic political families. They exist because citizens , the source and final arbiter of political power, have diverse issues and concerns that need to be articulated and amplified in the larger political realm, and political parties need to offer them real choices.

“Political parties are the primary vehicles for gaining political power by engaging in political competitions, primarily elections. Members and their leaders are expected to adhere to a set of principles and strategies written in a single platform to This membership in a governance vision defines the ideological identity of this party – and therefore the electorate must have the right to demonstrably choose – as to who should govern them depending on what the candidates and their respective parties defend”.

President-elect BBM, who is forging a supermajority government, could persuade his allies in both houses of Congress to institute political reforms immediately, alongside constitutional review initiatives. These reforms are achievable through passage of the Political Party Development and Financing Bill (a bill that has been pending in Congress for several years) which:

1. Penalize “turnaround” (or political party switching, “balimbing”, “political butterflying”) and expulsion from elective public office and party membership if their acts are deemed contrary to the principles of the left.

2. Apply transparent mechanisms providing and regulating campaign finance to eliminate corruption and clientelism (corporate and individual contributions).

3. Institute a strict state subsidy that will professionalize political parties by supporting their political education and campaigning initiatives (which is currently being done in European countries).

…Then the constitutional revisions

The four administrations that followed President Cory’s regime took two years each before seeking to initiate changes to the 1987 Constitution. FVR’s Pirma, Erap’s Concord, GMA’s ConCom 2005 and Duterte’s ConCom 2018 were launched late in their administration, giving enemies of change and champions of the status quo time to rally their forces against such endeavors.

FVR was opposed by Cory and Cardinal Sin; Erap was removed from his position before he could rise to power; GMA, plagued by its electoral anomalies and scandals, was openly opposed by its former allies in the Senate; idem Duterte, encouraging him to “drop” constitutional revisions and political reforms.

It might be different this time with BBM. Armed with a new mandate of a majority vote not seen since the election of his father Makoy in 1969, and heir to the elder Ferdinand’s legacy of parliamentary government aborted by Cory in the People Power Revolution of EDSA, it makes sense for the son to come full circle — repeal the 1987 Cory Constitution, the fertile soil upon which our nation’s many systemic ills have arisen. Perhaps Ferdinand Makoy’s vision of a new society will come true after all thanks to the ascendancy of the son.

For comments: [email protected]

Shipp takes over as President of Pittsburg State | Local News


PITTSBURG, Kan. – What does a new university president do on his first day on the job?

If you’re Daniel Shipp, you spend the first day greeting about 150 incoming students at freshman orientation. After all, you’re all in this together and brand new to campus.

“For me, I’m the new person on the block, so I have a lot to learn and a lot of people to meet,” he said.

Shipp’s first day as president of Pittsburg State University was Monday, just two months after he was publicly announced as a candidate to succeed longtime president Steve Scott, who retired .

In media interviews Monday afternoon, Shipp said his priority in the first few weeks will be getting to know PSU through the eyes of faculty, staff, students and others who support the campus. There will be no shortage of opportunities, if Monday’s encounter with the Pitt CARES freshman group was any indication.

“There are a lot of encounters with individuals,” he said. “University work continues throughout the summer. Many professors are here, and we have a summer school, and our staff and our leaders and everyone (is here) in preparation mode for the next fall.”

Learning about his new environment will be facilitated by the establishment of a transitional counseling period this summer, during which community and campus leaders will work with Shipp to help him understand the southeastern part of the Kansas, “about the things we should be proud of and the things we should work on,” he said.

In fact, Shipp is particularly excited about community learning, as the city‘s relationship with the university is part of what drew him to the role in the first place.

“I think it’s really one of the most unique places in the country where the university and the community really share a concern and an interest in what the other is doing and how they can work together to improve the region” , he said, adding that his priority will be to add to that momentum.

But perhaps Shipp’s biggest priority for Pittsburg State centers on student success.

Across the higher education landscape, students enroll in degree programs but fail to complete due to other hurdles, or they graduate but with massive debt. Many students graduate with transcripts that “represent excellent learning in a specific discipline or program,” but they lack skills such as collaboration, leadership, and critical thinking that are also needed in the marketplace. work, Shipp said.

“What we want to add to that, and I think the challenge in higher education, is what are those skills and abilities in addition to that transcript that you carry with you that will allow you to make a contribution positive to society? he said. “We assume they’ll understand once they’re gone, but I think we need to be much more intentional to instill value in this learning environment.”

Shipp said his responsibility as president will be to ensure students are given as many opportunities as possible to connect what they learn inside the classroom with the world around them inside. outside the classroom. As more first-generation students enroll in college, that goal will become more important, he said.

“We need to be explicit and intentional about how to help them develop as whole people,” he said. “It’s happening here (at PSU). I think my job is to make sure it happens for all of our students.”

New omicron COVID-19 variants appear in Travis County, Texas

Austin Public Health has found two new omicron COVID-19 variants in Travis County. On Friday, the two variants — known as BA.4 and BA.5 — combined to account for about 6% of COVID-19 infections in the United States.

Most COVID-19 infections in Travis County and the United States are still BA.2 or omicron stealth, a subvariant of the original omicron from last winter.

COVID cases in Travis County have also increased. On Friday, Austin Public Health reported a transmission rate of 174.81 cases per 100,000 people. If that number reaches 200, Travis County will go from low community spread to medium community spread according to the Centers for Disease Control and Preventions metric.

“These growing numbers and new subvariants are very concerning, especially at a time when many will be traveling and reuniting with loved ones,” Dr. Desmar Walkes of the Austin-Travis County Health Authority said Friday. .

After:COVID-19 cases are on the rise again. There are 3 main reasons for this.

What are the BA.4 and BA.5 variants?

The BA.4 and BA.5 omicron variants caused an increase in cases this spring in Europe and South Africa.

They appear to be more transmissible than the original omicron, which was more transmissible than Delta, which was more transmissible than Alpha and Beta, which was more transmissible than the original Spring 2020 COVID-19.

The European Center for Disease Control and Prevention also notes that these new omicron subvariants also appear to evade natural immunity in people given the original omicron, but the subvariants do not appear to cause more serious infection. The ECDC expects these sub-variants to become the dominant strains in Europe in the coming months.

Understanding variants:What we now know about the omicron COVID-19 variant

Vaccine administrator Isabella Grace, right, injects a dose of the Pfizer COVID-19 vaccine into the arm of 15-year-old Diego Custard, left, at an AISD family vaccination clinic in January.

What does it mean to go from low to medium community spread?

The CDC updates community spread levels weekly. In Centeal Texas, Travis, Williamson, Hays, Bastrop and Burnet counties are still low. Caldwell County is now at the medium level.

Here’s what the tiers mean to you:

For people up to date with their COVID-19 vaccines:

Down: Taking precautions is optional when collecting, eating and shopping.

Medium: Precautions are optional when gathering, eating and shopping. But wear a mask when social distancing is not possible.

High: Be careful when gathering, dining and shopping.

For those at high risk:

Down: Precautions are optional when gathering, eating and shopping.

Medium: Be careful when gathering, dining and shopping.

High: Be careful when gathering, dining and shopping.

Precautions include wearing a mask, social distancing and avoiding crowded situations.

Travis County has seen its transmission rates rise steadily since March 16, when it was at a low of 30.2 cases per 100,000 people. By May 12, that number had risen to 118 cases per 100,000. As of May 26, it was at 169.9 cases.

The good thing about the stealth omicron: our hospitalizations remained manageable. Currently, new admissions for people with COVID-19 are 14, with 45 people in hospital, nine in intensive care and one person on a ventilator.

Understanding new levels:Austin Public Health removes local COVID steps and aligns guidance with CDC

Why is Community Broadcast changing?

More people are gathering again. Think of all the graduations and end-of-school celebrations, as well as Memorial Day and other summer events that are starting to happen. Fewer and fewer people are wearing masks in public spaces.

Each variant was also more transmissible, according to health care experts.

Nurse Lola Ogundare prepares Moderna COVID-19 vaccinations at an Austin Public Health vaccination clinic at the Delco Activity Center in October.

What can we do to control the spread?

“We need everyone vaccinated and reinforced, especially children who are now eligible for boosters,” Walkes said. “Masks also provide an extra layer of protection for yourself and others.”

Anyone 5 years of age and older is eligible for vaccination and a booster five months after their initial round (two doses for mRNA vaccines for most people, three doses for immunocompromised people). Adults age 50 and older can receive a second booster four months after their first booster.

We need to keep up with vaccination, said Dr. Donald Murphey, a pediatric infectious disease specialist at Dell Children’s Medical Center in central Texas, because “COVID is not just one wave. There is no lasting immunity, and the virus is changing. It really is a particularly difficult virus. There is more to come.

Vaccinations can help prevent serious illness and death, experts say. That’s really the point of vaccines: to prevent hospitalizations and deaths, while keeping our hospitals accessible to non-COVID-19 patients.

“It happens with the flu shot,” Murphey said. “It may not prevent you from catching the flu, but it will prevent hospitalizations and deaths.”

It is never too late to start vaccinations or resume the vaccination schedule.

Most pharmacies have many COVID-19 vaccines available. Austin Public Health has its walk-in site at Old Sims Elementary Gymnasium, 1203 Springdale Road, from 2-7 p.m. Wednesdays and Thursdays and 11 a.m.-3 p.m. Saturdays. COVID-19 vaccinations are free.

The future of COVID-19:When will COVID-19 be over? How Austin doctors and scientists are predicting the future of the pandemic

Should I wear a mask?

CDC guidelines suggest you assess your own risk factors such as other health conditions you may have, who is in your life and their health issues, and levels of community spread.

Currently, at low levels, precautions such as masking are optional. If we move to the medium level, then masks will be encouraged in public spaces and strongly recommended when social distancing is not possible.

You can get free N95 masks at most local pharmacies or go to cdc.gov/coronavirus/2019-ncov/your-health/free-masks.html to find out where you can get masks.

Understanding Masks:N95, KN95, KF94, Surgical: Know the types of masks and why cloth masks came out for omicron

Should I test?

If you don’t feel well, even though you think it’s allergies, go ahead and do a self-test. You can get free tests, even if you’ve already received a set, through the federal government. Austin Public Health also distributes them at the Metz Elementary testing site.

If you have been in close contact with someone who tested positive, you should self-isolate for five days and test again to make sure you are negative on day five. If you test positive, quarantine it for five days and then test negative.

Know your tests:Is your home COVID-19 test real? Know how to spot counterfeits and where to find tests

When will children 4 and under receive their vaccine?

It’s coming soon. The FDA is set to meet about Moderna and Pfizer vaccines for young children on June 14-15. Then the CDC committee will meet.

Get boosted:Should your child get the COVID-19 reminder? Central Texas experts step in

If approved by both the FDA and the CDC, these vaccines will cover everyone 6 months and older. Newborn babies can get some immunity from their mother’s vaccination during pregnancy.

Kohat Cement: Notice of Extraordinary General Meeting




Notice is hereby given that an extraordinary general meeting of shareholders of Kohat Cement Company Limited will be held on Wednesday June 29, 2022 at 11:00 a.m. at its registered office, Kohat Cement Factory, Rawalpindi Road, Kohat, to transact the following routine business:

  • Elect 8 (eight) directors, being the number of directors fixed by the Board of Directors under section 159 (1) of the Companies Act 2017, for a period of three years from June 29 2022 in accordance with the provisions of the Companies Act 2017. The names of the outgoing Directors are as follows:


Mr. Aizaz Mansoor Sheikh


Ms Hafsa Nadeem


Mr. Nadeem Atta Cheikh


Mrs Hijab Tariq


Mr. Ahmed Sajjad Khan


Mr. Muhammad Rehman Sheikh


Mr. Talha Saeed Ahmad


Mr. Muhammad Atta Tanseer Sheikh

Retiring directors are eligible for reappointment.

A statement of material facts in accordance with the provisions of the Companies Act 2017 is attached to this notice distributed to shareholders.

By order of the Council:

Muhammad Asadullah Khan

Company Secretary

Lahore: Tuesday, June 7, 2022


1. Election of Directors

  1. Any member who wishes to contest the election of directors must, whether he is an outgoing director or not, file with the Company at its registered office, 37-P, Gulberg-II, Lahore, no later than fourteen (14) days before the date of the meeting, notice of his intention to stand for election as a director in accordance with the provisions of the Companies Act 2017 as well that the following documents and information:
    1. Its folio number / CDC investor account number / CDC participant identification number / sub-account number
    2. Consent to act as director in Form 28 under Section 167 of the Companies Act 2017.
    3. A detailed profile with his office address for placement on the Company’s website.
    4. The person(s) holding themselves out as independent directors must file a statement on stamped paper certifying that they meet the eligibility and independence criteria as notified under the Companies Act 2017 and rules and regulations enacted under it.
    5. A statement regarding the qualifications required to become a director of the company under applicable laws and regulations, including the Listed Companies (Corporate Governance Code) Regulations, 2019. A copy of this statement can be obtained from the registered office social of the Company during office hours.
    6. Certified copy of valid CNIC / Passport.
    7. Copy of NTN certificate.
  1. A director must be a member of the Company holding at least 500 common shares at the time of filing his consent to contest the election of directors, with the exception of a person representing a member, who is not a natural person and owns at least 500 common shares of the company.
  1. Closing of Share Transfer Books
    The shareholders’ register and the Company’s share transfer books will remain closed from Thursday June 23, 2022 to Wednesday June 29, 2022 (both days inclusive). Transfers received in order at the office of the Company’s Independent Registrar of Shares, Hameed Majeed Associates (Pvt.) Limited, HM House, 7- Bank Square, Lahore, until the close of business on Wednesday June 22, 2022 will be processed in time to have the right to attend and vote at the Extraordinary General Meeting.
  2. Right to appoint a proxy
    A member has the right to appoint a proxy in his place to attend, speak and vote in his place. A member can appoint only one proxy in his place who can exercise all the rights of a member in the meeting. The deed of appointment of a proxy, duly stamped and signed, and the power of attorney or other authority (if any) under which it is signed or a notarized copy of the power of attorney or authority must be deposited at the registered office of the Company. , 37-P, Gulberg-II, Lahore no later than 48 hours (excluding public holidays) before the meeting time. A proxy must be a member of the Society. The Proxy Form in English and Urdu is attached hereto and also available on the Company’s website: www.kohatcement.com.

4. Notice of change of address

Members are requested to notify the change of their registered addresses, if any, immediately

in the independent share register of the company at the address indicated above.

5. Participation in EOGM

A corporation or a member corporation of the Corporation may appoint any of its officers or any other person by resolution of its board of directors to attend and vote at the meeting.

Members should quote their Folio Number/CDS ID in all correspondence with the Company and should bring the original document when participating in the EOGM.

Holders of CDC accounts should further adhere to the following guidelines as set forth in Circular No. 1 dated January 26, 2000 issued by the Securities & Exchange Commission of Pakistan.

To attend the meeting

  1. In the case of natural persons, the account or sub-account holder and/or the person whose securities are in a collective account and whose registration data is uploaded in accordance with the Regulations, must authenticate their identity by showing his original computerized national identity card. (CNIC) or original passport at the time of joining the meeting.

This is an excerpt from the original content. To continue reading it, go to the original document here.


Kohat Cement Company Ltd. published this content on June 06, 2022 and is solely responsible for the information contained therein. Distributed by Audienceunedited and unmodified, on Jun 06, 2022 06:41:07 UTC.

Public now 2022


2022 sales 34,374 million
2022 net income 6,063 million
30.7 million
30.7 million
Net debt 2022

PER 2022 ratio 4.27x
2022 return 4.65%
Capitalization 25,923 million
capi. / Sales 2022 0.75x
capi. / Sales 2023 0.71x
# of employees 696
Floating 27.8%


Duration :

Period :

Kohat Cement Company Limited Technical Analysis Chart |  MarketScreener


Short term Middle term Long term
Tendencies Bearish Bearish Bearish

Evolution of the income statement


To buy

Medium consensus TO BUY
Number of analysts ten
Last closing price PKR 129.06
Average target price PKR232.78
Average Spread / Target 80.4%

Be part of Lagos development agenda, Sanwo-Olu tells locals


The Governor of Lagos State, Mr. Babajide Sanwo-Olu, said environmental sustainability is one of the most pressing issues in the world today.

Sanwo-Olu who spoke at the World Environment Day 2022 Finale held at Adeyemi Bero Auditorium, Secretariat, Alausa, Lagos said the Earth is facing a triple planetary emergency, namely climate change, loss of biodiversity and environmental pollution.

Represented by the Permanent Secretary of the Office of Environmental Services, Dr. Omolaji Gaji, the Governor said the impact of the challenges has negatively made the achievements of the Sustainable Development Goals less successful.

According to a statement signed by the Public Affairs Director of the Ministry of Environment and Water Resources, Kunle Adeshina, on Sunday, the governor added that it is urgent for everyone to live sustainably with nature for the benefit of humanity.

“With nature in emergency mode, the #OnlyOneEarth campaign for World Environment Day 2022, wants us to celebrate the planet through collective environmental action,” he said.

The Governor said that regardless of economic status, residents should be part of the development agenda of Lagos State by getting involved, adding that it is an opportunity for all to reflect on the nature that offers provisioning, shelter and restoration of ecosystems.

Copyright PUNCH.

All rights reserved. This material and any other digital content on this website may not be reproduced, published, broadcast, rewritten or redistributed in whole or in part without the prior express written permission of PUNCH.

Contact: [email protected]

North County School News, June 5



Students, volunteers honored at the meeting

The Encinitas Union School District Board honored several students and volunteers from across its schools at a recent board meeting. The Students of the Year, California Association of School Administrators Outstanding Students and Parent Volunteer of the Year were: Capri Elementary: Asher McLellan, Scarlett Trujillo, Denean Mosman; El Camino Creek Elementary: Kylie Liu, Olivia Drennan, Natalie Drennan; Elementary Flora Vista: Abby Kates, Lucy Parkinson, Vy Baker; La Costa Heights Elementary School: Jake DeShayes, Miles Swanson, Sarah Santos; Mission Estancia Elementary School: Campbell Whitmer, Makenna Nelson, Bree Smith; Ocean Knoll Elementary School: Kelby Lepley, Jackson Bell, Beth Granger; Pioneer Olivenhain: Lucy Baldwin, Livia Gray, Staci Valdez; Park Dale Lane Elementary School: Sade Gunn, Pela Hadley, Michelle Bay; Paul Ecke Central Elementary: Marco Fabani, Alexander Juan Gonzalez, Julie Nunez.


Pacific Ridge students create investment fund

Pacific Ridge School seniors Miles Pulvers, Nick Rabjohn, and Sean Oxenhorn created the nonprofit Firebird Fund as a real-world financial education tool.

(Pacific Ridge School)

Three students from Pacific Ridge School have started a student-run nonprofit investment fund at the school, helping other students develop their financial literacy and learn investment strategies. Seniors Nick Rabjohn, Sean Oxenhorn and Miles Pulvers, who co-lead the school’s finance club, created the “Firebird Fund” as a real-world teaching tool. They created a detailed business model, showing how the fund could be incorporated into the finance club, used in finance courses and overseen in the future. They presented their idea to the school board and met rigorous requirements before approval was granted. The students guaranteed that the fund would stay within the student groups and that while 90% of the income would be reinvested, 10% could be donated to the school’s service-learning program to help students create new service groups. The trio contacted donors, filed legal documents and prepared contracts with the school. They worked with board members, teachers, and the school’s chief financial officer to optimize the portfolio for the $10,000 fund. Finance Club students can propose a specific career or investment to club members, the fund’s appointed board, academic advisors and the school board. Approved trades will be executed by a faculty advisor or the school’s financial director. Students will meet regularly with faculty advisors and review fund assets three times per academic year. To learn more about the fund and how it was created, contact [email protected]


Names MiraCosta

new vice president

Shannon Stubblefield

Shannon Stubblefield

(MiraCosta College)

Shannon Stubblefield has been named the new Vice President of Institutional Advancement at MiraCosta College. Stubblefield will oversee the college’s foundation, institutional advancement efforts, and marketing department. She comes to MiraCosta after 10 years as director of philanthropy for North County Lifeline, a nonprofit that works with North County families who face challenges such as poverty or mental health issues. . A native of Southern California, she earned a bachelor’s degree in business administration from San Diego State University and a master’s degree from the Nonprofit Management and Leadership program at the University of San Diego. Diego. Stubblefield also worked for six years in Chicago, at the McCormick Tribune Foundation and the Greater Chicago Food Depository, before returning to San Diego County. She is chair of the board of the North County Philanthropy Council and has taught fundraising as an adjunct professor at the University of San Diego and North Park University.


music students

sweeping contest

The Valley Center High School Jazz Band, Concert Band, Concert Choir and Jazz Choir recently traveled to Santa Cruz to participate in the “Music in the Parks” festival against schools from Fresno to Sacramento. Led by group director Jeff Beck and choir director Laralee Alderson Beck, the four music groups swept their respective award categories, with all four groups and choirs receiving unanimous top marks. The Jazz Band earned a perfect score of 100. Senior trombonist Ben Wodarczyk won Best Instrumental Solo and sophomore Lina Hernandez won Best Vocal Solo. Community donations to the Valley Center/Pauma Music Boosters help support district music programs. Email [email protected], or find and like Valley Center Pauma Music Boosters on Facebook.


Students Recognized for State-Level Films

Rancho Minerva Middle School students were recently recognized in a virtual Directing Change Program & Film Contest ceremony. The competition asks students to create short films and art projects on topics such as suicide prevention, dealing with difficult times, the impact of the pandemic, and returning to in-person education. Rancho Minerva students Adalia Pacheco, Melanie Ortiz, Adriana Chavez, Arely Murillo, Willem Ross and Izzy Castillo were honored for their debut film, “Dear Future Me,” in the Walk in Our Shoes: The Superhero in Each of Us category Adalia Pacheco, Kaio Passos, Ally Lopez and Natalie Lopez tied for second place for their film, “Fingerprints,” in the Walk in Our Shoes: What Is Mental Health & Words Matter category. They are tied with Ally Lopez, Natalie Lopez, Keaton Hawkins and Diego Guerrero for their film “Un-Silent”. Keaton Hawkins placed third for his film “What Are You Waiting For?” in the Hope and Justice – Hope category. Students from Oceanside High School, Torrey Pines High School, and Sage Creek High School also received honorable mentions for their films in various categories. See all movies at bit.ly/3M9MB3z. The film program is part of statewide suicide prevention and mental health efforts funded by county agencies and operated by the California Mental Health Services Authority. Visit www.directingchangeca.org.

Please send articles to [email protected] at least two weeks before the events.

Scripting a new chapter in Goa’s history

June 05, 2022 | 06:37 IST

Scripting a new chapter in Goa’s history

Taking inspiration from the village of Herwad in the Kolhapur district of Maharashtra, the gram panchayats of Dhargalim and Corgao in the Pernem taluka of Goa have unanimously passed resolutions to end all widowhood customs in their villages. ASMITA POLJI visits these villages to find out the impact on the ground of this decision and the way forward.

Modernity does not only reflect the clothes worn or the gadgets owned. It is also indicated from the thought process of an individual or society as a whole. By deciding to ban the age-old regressive rituals of widowhood, the villagers of Dhargalim and Corgao have certainly presented a modern vision.

Not just this. The resolution passed by the two village panchayats will in effect free women from the restrictions of widowhood, giving women a sense of true empowerment.

While we celebrate the empowerment of women and take pride in the fact that women are surpassing men in all spheres of life, there are still certain sections of society, especially in the villages in the hinterland of Goa, who still impose restrictions under the guise of traditional customs on a woman after she is widowed. She is expected to live in the shadow of these rituals, where she is not allowed to speak for herself, attend any social gathering. The presence of a widow in a marriage is still considered a bad omen.

Likewise, several other restrictions and customs are imposed on a widow, including the prohibition of wearing colorful clothes, wearing bindi, bangles, not celebrating festivals like Holi with colors like red, pink which would be signs of a married woman. She should wear colorless or light-colored clothes. She cannot participate freely and take advantage of all social fiction and all opportunities.

Most disheartening of all the rituals is the sight that widows are forced to break their bangles, wipe the vermilion from their foreheads, remove the mangalsutra, and follow a sedated life until she lives.

The two panchayats of Goa now aim to put an end to these archaic rituals to start a new chapter in the history of the state. This will give women some confidence to live their lives with dignity and move independently for work or business to ensure financial sustainability. Many lose their husbands at a very young age. Many women are widowed in their twenties. It becomes essential for them to become financially independent. To this end, they must take a job or start their own business to survive.

The inspiration for this of course came from Herwad gram panchayat at Shirol taluka of Kolhapur district in Maharashtra, who passed a similar resolution banning practices associated with widowhood.

The resolution adopted unanimously by the Herwad gram panchayat stated: “From now on, in our village, no woman would have to undergo the painful rite of widowhood. In case her husband dies, the wife is forced to remove her mangalsutra, break her bangles and remove the sindoor from her head. This process is painful for her, and a widow is also not allowed to participate in any religious or social program. This cruel and redundant process is hereby banned from our village.

After the resolution passed unanimously by Herwad gram panchayat in Kolhapur, a group of people from Pernem taluka, including the head of a forum named Navchetan Pernem, non-commissioned officer of Pernem fire station and others, including two journalists, visited the village of Herwad and congratulated the Herwad village. Back home, they made Pernem taluka aware of this revolutionary resolution.

Swati Santosh Gawandi, former sarpanch and current panch member of Corgao panchayat, who proposed the resolution to the Corgao gram sabha, said, “I read this resolution passed by Herwad village in newspapers and social media. My brother-in-law was also one of the members of the group that went to Herwad village to congratulate the panchayat for passing the resolution. After that, a thought came to my mind that our women too should be freed from the clutches of these rituals.

She said that women are forced to suffer all their lives because of these practices. However, if the village of Herwad could take action to arrest him in his village, it could be done here too.

“Then I discussed the issue with the ladies in my village and told them that I thought I would come up with such a resolution in our gram sabha village. They expressed their support and told me to go ahead said Swati Gawandi.

Gawandi said that when the proposal was read in the gram sabha, some people raised objections. But the female members, who were present for the gram sabha, remained resolute and pushed through the resolution.

Gawandi added, “Women should be respected and given the right to live their lives even after losing their husbands. When a woman loses her husband, her bracelets are broken, the vermilion is wiped, her mangalsutra and the rings of her hands and feet are removed. The lady, already shaken by the grief of having lost her husband, suffers even more from these acts. This must stop.

All these customs are aimed at subjugating women. These customs have been present for centuries. The most barbaric of all rituals was the Sati system where the widowed woman, voluntarily or by force, immolated herself at the stake of her late husband. The woman who immolates herself is therefore called a Sati who is also interpreted as a “chaste woman” or a “good and devoted wife”.

“This ritual has been stopped which was a huge step forward for society in British times. If it could be done then we can easily stop existing rituals. It just needs a change in the process of thought. I call on people, especially women, to raise awareness about this and ensure that such things are not followed,” she said.

“The main motive behind these resolutions was to give women the right to live, move and work in a safe environment, especially for women who are widowed at a young age. If we work to implement this resolution, it will give them the courage and confidence to move forward in their lives and take care of themselves without depending on their parents or their laws,” said Vinita Mandrekar, a villager. from Corgao.

“When a woman is widowed at a young age, some people in society look at her in a bad way. She cannot take her job as she wishes, she cannot stay out late at night. But if the same woman wears mangalsutra, so she is looked at in a different way. This mentality needs to change for the advancement of women,” said another villager.

“After a woman loses her husband, no matter what age group she belongs to, she is still forced to lead a life of isolation, where even her own parents often avoid her at social or religious functions. . It makes widows feel guilty through no fault of their own and feel unwanted,” said Sarpanch, of Corgao village panchayat Uma Salgaonkar.

“When we learned that a village in Kolhapur had passed a resolution banning the customs that are followed when a woman loses her husband, we visited the panchayat and congratulated the panchayat for taking such an initiative. We then came in Goa and created an awareness that resulted in the two panchayats passing a resolution that they would give respect and rights to women in society by outlawing the customs of widowhood. a revolutionary step both panchayats have taken towards widowhood because widows are treated differently in society after the death of the husband while he was living a life of tears,” said Corgao resident Mahadev Gawandi.

Navchetan President Yuvak Sangh Krushna Palyekar, who also visited Herwad village, said: “It is good to see the initiative that the panchayats in Goa, especially in Pernem, have taken in going against the widowhood customs. We should not fall prey to these customs and understand that a woman can come out and stand if we encourage her by carrying out such resolutions. Every panchayat in Goa should adopt this resolution and raise awareness about it. I also ask Pernem MLA to push this resolution forward and convince all legislators to make it a statewide law,” Palyekar said.

Bharat Bagkar, a teacher and villager from Dhargalim who proposed the resolution to gram sabha, said: “This resolution was passed to bring justice to women who are bound by restrictions. For several decades, these restrictions have been imposed in the name of customs after they lost their husbands. I commend the two panchayats for adopting the resolutions unanimously. We have witnessed the injustice that happens with women when she becomes a widow and the force with which the vermilion is wiped, the bracelets are broken. When we see this, as humans, we feel this is wrong.”

He said people had been blindly following these customs for decades. But now is the time to put an end to these dubious practices.

“When a woman loses her husband, she is already sad. We have no right to aggravate her grief by imposing such inhuman customs on her and tying her to societal restrictions. She too has a life. She has a long journey ahead of her, strewn with pitfalls and loneliness. We should strive to make his life easier, not harder,” Bagkar said.

Each drop makes an ocean, they say. The drops of revolution have begun to flow. The day is not far off when these drops will form an ocean of change.

Public hearings on Monday County Commissioners’ agenda | New


Four public hearings are on Monday’s agenda for the Lee County Board of Commissioners, including one on the proposed budget for the 2022-23 fiscal year that includes lower property tax rates.

The $91,164,429 budget presented to commissioners at the May 16 board meeting represents an increase of $7,293,587, or 8.68%, over the current budget plan, according to the county executive, John Crumpton.

Despite the small projected increase, the plan includes a 3 cent reduction in the tax rate. The property tax would drop from 76 cents per $100 of property assessment to 73 cents per $100 of property assessment.

A second hearing relates to proposed rates for fire districts for the 2022-2023 fiscal year. No rate increases were requested by any of the county’s eight volunteer fire departments that relied on grant money and reserve funds to cover operating costs.

The third hearing is on the proposed capital improvement plan for fiscal years 2023 to 2027. The plan is designed as a five-year strategic plan for building and equipment requirements that is updated each fiscal year.

In order to reduce costs in the coming year, the start dates for certain projects have been extended, reducing the demand for the fiscal year from $159,686,523 to $133,309,523. Construction of an auditorium and four classrooms at Southern Lee High School is among the projects that will begin this fiscal year.

The fourth hearing concerns the approval to obtain financing to purchase the Buggy Factory in Sanford. Progressive Development Corp. sells the building that was used to house the offices of departments that provide city and county services.

The county is seeking to provide $1.5 million for a down payment on a financial installment plan that would require monthly payments of $75,520.83, according to a public hearing announcement in the Sanford Herald.

This would make a total cost of $5.125 million.

County leaders plan to lease the building to the City of Sanford, beginning July 1, for 10 years with monthly payments of $8,565.

The Buggy factory is at 115 Chatham St.

The commissioners’ meeting begins at 6 p.m. at the McSwain Extension Education and Agriculture Center, 2420 Tramway Road.

Growing Enrollment and Pandemic Recovery Are Key Challenges Facing Hermon Schools


Tackling the growing number of students attending Hermon High School and helping families, teachers and staff recover from the impact of the coronavirus pandemic are the most important issues facing the school board. Hermon School, five of the eight nominees for positions on the panel agreed on Wednesday.

The Bangor Area League of Women Voters sponsored the forum which was held in the meeting room of the Public Safety building. About 40 people, including many school district employees, attended the forum.

Hermon residents will elect two school committee nominees and three city council nominees on June 14. Mail-in ballots are available at the city clerk’s office. The annual municipal meeting will be held on June 16.

Last month, the board slashed the school’s budget by $100,000 in a 4-2 vote. All candidates who attended the forum supported the $17.64 million budget as proposed by the school board, an increase of 9.65% over last year’s budget. This would add high school teaching positions as the populations of Hermon, Levant, and Carmel grew. Levant and Carmel pay tuition to send their students to Hermon High.

The two vacancies on the board are now filled by Vice Chairman Scott Hatch, 37, who is not running for re-election, and Deborah Langille, 53, who is seeking a second three-year term.

Councilman Anthony Reynolds, 66, is running for school council rather than re-election to the council. He had served four terms on the school committee when he was elected to the council three years ago. He supports the school budget as proposed.

The other candidates are: Christopher McLaughlin, 47; Kim Shaffer, 65; Tanya Fox, 47; Samatha Lang, 45; Haily Keezer, 38; and Rachel Deabay, 30.

Lang, Keezer and Deabay were unable to attend the forum.

Both McLaughlin and Shaffer have a background in social work and counseling. Both candidates were backed by the Hermon Education Association, the local teachers’ union. Keezer has been endorsed by the Christian Civic League of Maine.

All of the forum’s nominees except Reynolds said the most immediate need was to help students and families recover academically, socially and emotionally from the pandemic. Reynolds, the only candidate in attendance who has lived his entire life in Hermon, pointed to the city’s finances.

“We have a great school system in place,” he said Wednesday. “The biggest problem is how to provide for it financially.”

Written questions from the public ranged from whether fifth graders, who attend Hermon Middle School, should have recess to whether schools should have police officers. Other questions focused on how to attract and retain support staff and whether growth needed to be controlled more tightly to slow the rise in enrolments.

Enrollment in Hermon grew as more families moved to town. Enrollment this fall is expected to increase by 25 high school students, one middle school student and 10 elementary students for a total of 1,389. This represents an increase of 109 students from the 2018-2019 school year.

Candidates agreed on Wednesday that Hermon Schools were packed and may need to expand. This will require the acquisition of more land, according to Reynolds.

McLaughlin said he’d like to hear “what kids have to say” about overcrowding.

“Nobody wants a line of portable classrooms going back to the woods,” he said. “I’d like to talk to an expert about it.”

Fox said she was not opposed to portable classrooms as a temporary solution. She warned that there is no “silver bullet” to the problem.

Incumbent Langille advocates for the school committee to address the burgeoning student body at nearly every meeting. She said the council, school council, planning board and residents “must all work together to deal with this influx of pupils”.

Shaffer agreed.

“We cannot continue to let ideas languish,” she said.

Keezer and Lang answered questions about their campaigns on Thursday.

“I want to take an active role in helping teachers, students and parents come together to provide the best possible educational opportunity for this generation and future generations,” Keezer said.

She also said that school safety “is essential for learning” and that teachers and students need more support staff in classrooms.

Lang said she was running “to give back to my community everything the community has given to my family.”

“I hope I can provide support to the superintendent and teachers to help our children get a great education and help them prepare for the future,” she said.

All of the candidates for the forum agreed that the relationship between the city council and the school council needs to improve so that the councilors better understand the needs of students, teachers and staff.

All said that joint meetings between the two bodies would be beneficial. When he once served on the school committee, Reynolds said its members met several times a year with the councilors.

All of the candidates who attended the forum said addressing the challenges facing the district would require more funding, which could affect property taxes.

Hermon’s current tax rate is $11.99 per $1,000 of estimated property value.

The best French Bordeaux to drink this summer

Ireland and France have a long history for many reasons, partly because of proximity, a common religion, a common ‘old enemy’ and of course trade.

“Enjoying Claret in Georgian Ireland” by Patricia McCarthy is a beautiful new book that explores the Irish love for Bordeaux red wine that continues to this day, but arguably peaked in the Georgian era of the 18th century. . Patricia’s previous book was Country life in Georgian Ireland where she realized how central Bordeaux was in the life of a Georgian Gentleman (and some Gentlewomen).

Many exiled second sons or revolutionaries of the Wild Geese ended up in the wine trade in Bordeaux and this bolstered an already nascent trade. Their names are still there on the labels – Barton, Lynch, McCarthy, Phelan and Dillon. Jonathan Swift called Bordeaux ‘Irish Wine’ and in Georgian times we drank more of it than all the other British nations combined. Gentlemen fought over the size and quality of their wine cellars, there were ‘5 bottles a day’ men, and it was a central part of Irish hospitality, generously served at every ball or social gathering.

McCarthy’s book is cheerful throughout and delves into everything from recommended remedies for gout (unexpectedly a common ailment of the Georgian gentleman), to Georgian winery management to the emergence of the wine connoisseur (God we assistance !). Drinking clubs such as the famous Hellfire Club are discussed and a general appreciation of the joys and excesses of Irish conviviality is the dominant theme running through the book – it is lavishly illustrated, well written and warmly recommended – every gentleman and gentlewoman enthusiast of wine in the country needs a copy for their shelf.

Claret, in case you were wondering, is a corruption of ‘Clairet’, the name of a lighter style of Bordeaux which is still around but rarely seen on Irish shelves these days. The color is somewhere between a rosé and a light red with a dark pink color – a perfect summer wine. The current trend for pale onion skin pink Rosé de Provence has certainly not helped sales.

This week’s six suggestions are for ‘Claret’ in different price ranges. The scale of Bordeaux production is enormous and can therefore be found between under €10 and over €1,000. Bordeaux is also one of the few regions where the average ABV is 13.5%, making Claret one of the friendliest and most digestible wines.

Wine under €15

Château Haut Médou, Bordeaux Superior 2020 – €8.99

Château Haut Médou, Bordeaux Superior 2020 – €8.99

Reseller: Centra

This is part of the Centra French wine sale which ends on June 8, check it out – the €10 André Goichot Fleurie is also recommended. This pours in with a deep purple hue, cassis flavors with a hint of cassis leaf – solidly done with good fruit and some light spice notes on the finish. Excellent for the price but would recommend decanting to open it up a bit – serve with something meaty.

Château Lacroix 2020, Castillon Côtes de Bordeaux AOP Bio, Bordeaux - €11.50
Château Lacroix 2020, Castillon Côtes de Bordeaux AOP Bio, Bordeaux – €11.50

Château Lacroix 2020, Castillon Côtes de Bordeaux AOP Bio, Bordeaux – €11.50

Retailer: Dunnes Stores

Côtes de Bourg/Castillon/Blaye were formerly labeled separately but are now under the same PDO. This is brand new to Dunnes but should be on the shelves by the time it appears. Dark purple with a black centre, aromas of cassis and dark fruit with a hint of chocolate, crisp and fruity – maybe a little crisp and taut but with good balance. To decant.

Château Billeron Bouquey Saint-Emilion Grand Cru 2018 - €14.99
Château Billeron Bouquey Saint-Emilion Grand Cru 2018 – €14.99

Château Billeron Bouquey Saint-Emilion Grand Cru 2018 – €14.99

Dealer: Aldi

The Saint Emilion Grand Cru is more or less the equivalent of the Cru Bourgeois in the Médoc and it is rare to see one at this price. Round dark plum and dark berry aromas, solidly fruity with some light chocolate tones on the mid-palate and with good weight and length. A solid Merlot-based Bordeaux from a ripe year that should age and improve for a few more years.

Wine More than 15 €

Chateau Mauvesin Barton 2018, Medoc - €33.95 - 36.95
Chateau Mauvesin Barton 2018, Medoc – €33.95 – 36.95

Chateau Mauvesin Barton 2018, Medoc – €33.95 – 36.95

Resellers: O’Briens, Greenacres, Juice of Vine, Searsons, Independents, www.theallotment.ie

The Barton family still hold their Irish nationality and are a family affair with Lillian Barton caring for Langoa and Léoville Barton and her children, the recently acquired Mauvesin Barton. The 2014 was served at the book launch and it has chewy cherries, but I think I prefer the younger 2018 for its juicy dark fruit with hints of mint, dark chocolate and cassis.

Angludet Reserve 2016, Margaux, Bordeaux - €43 - 44.95
Angludet Reserve 2016, Margaux, Bordeaux – €43 – 44.95

Angludet Reserve 2016, Margaux, Bordeaux – €43 – 44.95

Resellers: McCurtain St Wine Cellar, JJ O’Driscolls, Vintry, Jus de Vine, Independents.

This is the second wine of Domaine Margaux Château d’Angludet – their first wine will set you back around €95. Although not a Cru Classé, the estate has enjoyed a solid reputation for more than a century. Aromas of violets and blackberry juice, supple, ripe and elegant on the palate – despite its youthfulness and a bit of crunch, this is a magnificent drink right now.

Chateau Le Puy, Emilien, Bordeaux, France - €49.95
Chateau Le Puy, Emilien, Bordeaux, France – €49.95

Chateau Le Puy, Emilien, Bordeaux, France – €49.95

Resellers: MacCurtain St, Bradleys, The Corkscrew www.thecorkscrew.ie, Blackrock Cellar, Green Man, Baggot St. Wines..

From an altitude vineyard planted with 85% Merlot from one of the French pioneers of organic/biodynamic agriculture. It’s as ‘natural’ as Bordeaux wine is with aromas of ripe blackberries, a deliciously fruity and plummy mouthfeel and with a pleasant freshness and drinkability. Le Puy still has a well-focused energy and purity, which Bordeaux needs more – which is worth its reputation.

Cider of the week

McIvors Juicy Session Cider, 4.2% ABV, 330ml - €2.59
McIvors Juicy Session Cider, 4.2% ABV, 330ml – €2.59

McIvors Juicy Session Cider, 4.2% ABV, 330ml – €2.59

Resellers: Tesco, Carry Outs, O’Briens, Martins Fairview, McHughs, Lilac Wines, Joyces Galway.

The Macivor family planted their first orchard in 1855 and have been growing apples ever since. It’s available as a four-pack for €10 at select outlets and is a little less alcoholic than regular MacIvors.

It is made from 100% table apples (e.g. Falstaff, Elstar and Golden Delicious), so it is ideal for a session-style cider. Aromas of cooked pears and ripe apples, fruity and crisp on the palate with hints of dried apple and citrus with textured tannins to balance any sweetness. The finish is pleasantly dry with lingering hints of tart green apple.





Dear shareholders of Vascular Biogenics Ltd. :

We cordially invite you to attend an annual general meeting of shareholders of Vascular Biogenics Ltd., or the Company, to be held at 4:00 p.m. (Israel time) on July 7, 2022, at our offices at 8 HaSatat St. Modi’ in Israel (the “Meeting“).

The Meeting is convened for the following purposes:


Approve the appointment of Ms. Ruth Alon, Dr. Shmuel (Muli) Ben Zvi, Dr. Ron Cohen, Ms. Alison Finger, Prof. Dror Harats, Mr. David Hastings, Mr. Marc Kozin, Mr. Michael Rice and Dr. Bennett M. Shapiro to the Board of Directors, to serve until the next annual general meeting of shareholders of the Company, under the existing terms of appointment as previously approved, except for the resolutions herein, until until each of their successors is duly appointed and qualified, or until any of their prior resignations or removals (voting will be held separately for each director nominee);


Approve the grant of an option to Professor Dror Harats to purchase 400,000 of our common stock under the Company’s 2014 Employee Stock Ownership and Option Plan pursuant to standard option agreements (the “Option” ). The option will vest at the time and in the manner approved by the Remuneration Committee and the Board of Directors;


Amend the terms and compensation arrangements of Professor Dror Harats in accordance with the terms set out in Proposal 3 of the Proxy Statement;


Approve the reappointment of Kesselman & Kesselman, a member firm of PricewaterhouseCoopers International Limited, as the Company’s independent registered accountants for the year ending December 31, 2022, and until the next general meeting shareholders of the Company and authorize the Board (with delegation to its audit committee) to set the remuneration of said independent accounting firm according to the volume and nature of its services;


Approve a remuneration policy for the directors and other corporate officers of the Company, in accordance with the requirements of the Israeli Companies Law, 5759-1999.


Approve the increase in the share capital of the Company by NIS 500,000 and create 50,000,000 ordinary shares, with a par value of NIS 0.01 each (“Ordinary Shares”), having the rights and benefits attributed thereto in the amended and restated articles of association of the Company (the “Articles”). Following the increase, the share capital of the Company will be NIS 2,000,000 divided into 200,000,000 Ordinary Shares.


Subject to the approval of the increase in the share capital of the Company, approve the amendment of article 6 of the Articles of Association and article 4 of the Memorandum of Association of the Company.

Article 6 of the articles of association is replaced in its entirety as follows:

“6. The share capital of the Company consists of 2,000,000 NIS divided into 200,000,000 Ordinary Shares, with a par value of 0.01 NIS each (the “Ordinary Shares”).”

Article 4 of the Company’s articles of association will be replaced in its entirety as follows:

“4. The share capital of the Company shall be 2,000,000 NIS, consisting of 200,000,000 Ordinary Shares of the Company with a par value of 0.01 NIS each.”

At the meeting, we will also present and discuss our annual audited consolidated financial statements for the year ended December 31, 2021, as previously made available to our shareholders as part of our Form 20-F filed with the Securities and Exchange Commission and available at www.sec.gov and in the “Investor Relations” section of our Company’s website, www.vblrx.com. We will also transact any other business that may properly come before the Meeting or any adjournment thereof.

The affirmative vote of the holders of the majority of the voting rights represented at the Meeting in person or by proxy and voting thereon (which excludes abstentions) is necessary for the approval of each of the proposals.

The proposals and details relating to the Meeting are described in greater detail in the accompanying management proxy circular, which the Company will send (together with this notice) to its shareholders, which we invite you to read in full. This notice, the proxy statement and the associated proxy card are also provided to the United States Securities and Exchange Commission, or SEC, in a report on Form 6-K, which may be obtained free of charge from the website of the SEC at www.sec.gov or on the Company’s website – at www.vblrx.com. The full text of the proposed resolutions, as well as the form of proxy for the Meeting, will also be available for consultation from June 2, 2022, at the registered office of the Company, 8 HaSatat St. Modi’in, Israel, upon simple prior request. . coordination with the Company. Our telephone number at our head office is +972-8-9935000.

Shareholders registered in the share register at the close of business on June 2, 2022 are entitled to receive notice of and vote at the meeting (one vote per share held).

Shareholders who are unable to attend the Meeting in person will be requested to complete, date and sign all enclosed proxies and return them promptly by post to the registered office of the Company, 8 HaSatat St. Modi ‘in, POBox 9141, Israel 7178106, by fax. +972-8-9935001, or by e-mail to our general secretary: [email protected]. If you send us your proxies by post, the proxies must reach our registered office at least 48 hours before the time set for the Meeting in order to be validly taken into account in the breakdown of the shares voted on at the Meeting, unless we waive this requirement. Your proxy cards, if properly executed, will be voted in the manner you have indicated. Detailed proxy voting instructions will be provided both in the proxy statement and on the proxy cards.

If your Common Shares are held at “street name”, that is, in a brokerage account or by a trustee or agent, you may be able to use the control number listed on the voting instructions to submit your voting instructions to their brokers, trustees or agents by other means, including via the Internet.


Marc Kozin

President of the council

Robotics is happening in July – TechCrunch


We are extremely excited to finally be able to unveil the agenda for this year’s TC sessions: robotics will take place 100% online on July 21st. It’s a tremendous labor of love for our team, and something we’ve been thinking about since we last held the show in early March 2020. It’s hard to say how much the world has changed since then, and the world of robotics, AI and automation has fundamentally transformed with it.

Not so long ago, every conversation about space came with the same caveat: it will change the way we live in five to 10 years. As the world shut down and suffered from labor shortages, it became clear that suddenly this time has come.

During the pandemic, we’ve mapped massive growth across all robotics sectors, and as venture capital money slows for nearly every startup category, robotics investment continues at a pace never seen before. 2020. Frankly, there’s never been a better time to put on a robotics event, and with good reason we can say with confidence that we’ve never put on a robotics event as good as this.

We have headliners like US Secretary of Labor Marty Walsh; inventor Dean Kamen; and Amazon Vice President of Global Robotics Joseph Quinlivan. MIT CSAIL Director Daniela Rus will speak with CMU Robotics Lead Matthew Johnson-Roberson, as well as HRI robotics experts Rod Brooks and Clara Vu. We’ll also speak with top VCs and CEOs from Boston Dynamics, Sarcos, Locus Robotics, Fetch and more, plus demos from researchers and cutting-edge tech startups like Agility.

Even better, you can attend all of these sessions and join the online robotics community with quick networking, chats, and one-on-one meetings by registering here for free.

There’s never been a better time to talk about robotics, and we’re confident to say there’s never been a better group of experts to discuss it with. Below is the full schedule for the July 21 event. We hope you are as enthusiastic as we are.

July 21

The new face of work

with Secretary Marty Walsh (US Department of Labor)

Robotics is set to have a profound impact on the future of how America works. Automation is inevitable, but is the United States really prepared for the impact to come? Labor Secretary Marty Walsh will discuss what employers and regulators need to do to prepare for these sweeping changes.

Financing the future

with Kelly Chen (DCVC), Bruce Leak (Playground Global) and Helen H. Liang (Founders X Ventures)

While funding has dried up for many startups, robotics has weathered the storm pretty well. The pandemic has fueled investment in the category as more companies turn to automated solutions, and the trend shows no signs of slowing anytime soon.

lab work

with Matthew Johnson-Roberson (Carnegie Mellon University) and Daniela Rus (CSAIL, MIT)

If you’re looking for the cutting edge of robotics and AI research, you’ve come to the right place. MIT CSAIL Director Daniela Rus and CMU’s new Head of Robotics Matthew Johnson-Roberson will join us to discuss how schools are helping to redefine robotics.

The fulfilling world of warehouse robotics

with Rick Faulk (Locus Robotics), Jessica Moran (Berkshire Grey) and Melonee Wise (Zebra Technologies)

Logistics and fulfillment might just be the hottest category in robotics right now. Locus Robotics, Zebra Technologies (Fetch) and Berkshire Gray help define the space. Their automation works to improve delivery times, manage inventory, help their human counterparts, and stay competitive.

Amazon Automation

with Joseph Quinlivan (Amazon)

Amazon’s huge bet on robotics dates back to its acquisition of Kiva Systems in 2012. Over the past decade, it’s a bet that has paid off immeasurably, as the retailer has become the gorilla of 800 books in any conversation about warehouse automation. Vice President Joseph Quinlivan will discuss what the company is doing to maintain its edge.

Launch of TechCrunch robotics

The industry’s brightest entrepreneurs will take the stage in front of a live audience and panel of industry experts, showcasing groundbreaking technologies. Founders – apply here.

education first

with Dean Kamen (FIRST)

From the Segway to the iBot to the AutoSyringe, Dean Kamen has made a name for himself as one of the greatest inventors of the past 50 years. In 1989, he decided to give back with the launch of FIRST, an organization that promotes STEM education. He will discuss his creations and the work he does to inspire the next generation of inventors.

From Cage to Stage: Commercializing AI and Robotics

with Pieter Abbeel (UC Berkeley, Covariant), Joyce Sidopoulos (MassRobotics) and Milo Werner (The Engine)

What does it take to take an AI robot or process from lab to market? Learn from experience with Milo Werner, general partner of The Engine, Joyce Sidopoulos of MassRobotics, specialist in academic and commercial crossover, and Pieter Abbeel, who splits his time between UC Berkeley and Covariant, the well-funded artificial intelligence company that he founded.

Shaping robots, environments and people for harmony

with Rod Brooks (Robust.AI) and Clara Vu (Veo Robotics)

As robots and AI begin to invade everyday life, we need to learn lessons from industry and academic research on how to coexist safely and productively. Both Rod Brooks and Clara Vu bring years of expertise to the matter and can talk about what it takes in hardware, software and beyond to bring robot and human life closer together.

Putting robots to work

with Kiva Allgood (Sarcos) and Robert Playter (Boston Dynamics)

We’ve seen the demos and the viral videos, but moving from research to the real world is its own complex journey. The CEOs of Boston Dynamics and Sarcos will discuss the process of bringing their robots to market, from pilot testing to full-scale manufacturing.

We look forward to seeing you online at the TC: Robotics Sessions with these visionaries and the global robotics community on July 21! Sign up now to get access to all these sessions and more right here!



The Indiana University Grad Workers Coalition sent the following press release to the Bloomingtonian on Wednesday:



BLOOMINGTON, Indiana [June 1, 2022] — In a statement released today, the Indiana University Board of Trustees rejected a vote by faculty members approving a path to unionization for graduates. Following a special Bloomington faculty meeting, faculty members voted overwhelmingly, 1,404 to 508, insisting the board begin a dialogue and unionization process. The Board rejected both.

The move comes after more than 1,000 graduate workers at the IU Bloomington campus went on a four-week strike during the recent spring semester. Last December, the IGWC-EU submitted 1,584 union cards, representing a super majority of educated workers, demanding a union election. The IU board also rejected this effort.

Sam Smucker, a Ph.D. media school student, said the IGWC-EU stresses that this is a complete rejection of the system of shared governance. “The faculty has spoken. The board is not listening.

Smucker said the IGWC-EU is asking the board to meet with graduate workers active in the IGWC-EU to hear their concerns. “Right now, we have no way of communicating with the IU board or administration except through the strike. They have closed all avenues to meaningful dialogue,” he said.

Graduate workers are preparing to resume the strike in the fall.

Smucker is also concerned that the Commission is not getting the information needed to make an informed decision. “Many universities, public and private, operate shared governance systems that include unions,” he said. “The Council’s response clearly shows that it is not aware of this reality.”


Further, the council’s response suggests it is deeply disconnected from IU’s flagship campus in Bloomington and the concerns of those who teach and research here every day, Smucker said. “It is apparent that the Council has not seen the research on unionization in higher education and the positive effects achieved on student academic outcomes, but has only been presented with an ideologically motivated anti-union message “, he added.

Anne Kavalerchik, a Ph.D. sociology student, said IGWC-EU knows the council is committed to the university’s teaching and research mission. She believes the board should listen to constituencies that are committed to this mission on campus.

“Shared governance means listening to all voices and acting in the best interests of the university,” Kavalerchik said. “Students and teachers have spoken. More than 1,800 graduate students signed union cards asking to be represented by IGWC-UE and 1,100 ASAs went on strike for four weeks this spring. Nearly 75% of faculty members voted in favor of a graduate union.

“The administration simply refuses to listen to the two main groups that enable IU’s excellent day-to-day operations,” Kavalerchik said.


Graduate workers are employed as associate instructors, research assistants, graduate assistants, and faculty assistants on the Bloomington campus. They teach hundreds of classes as primary instructors, conduct research in labs, and perform as artists and musicians.

The IGWC-EU submitted almost 1,600 union membership cards to the board asking for a union election in December 2021. The board rejected this request. The union now claims more than 1,800 members among the 2,500 qualified employees.

The United Electrical, Radio and Machinery Workers of America (EU) is an independent, democratic union representing some 30,000 workers in a variety of industries. The motto of the EU is: “Members run this union.

For further questions and correspondence, contact Katie Shy, media correspondent for the Indiana Graduate Workers Coalition ([email protected]919-622-8648).

Social media:

https://www.facebook.com/IndianaGrads/ https://www.twitter.com/indianagrads https://www.instagram.com/indianagrads/


Like? Take a second to support The Bloomingtonian on Patreon!

Global Commercial Real Estate Market Snapshot to 2027 – Retail Sector Set to See Significant Growth – ResearchAndMarkets.com

DUBLIN–(BUSINESS WIRE)–The “Commercial Real Estate Market – Growth, Trends, Impact of COVID-19, and Forecast (2022 – 2027)” report has been added to from ResearchAndMarkets.com offer.

The global commercial real estate market is expected to register a CAGR of over 10% during the forecast period.

The COVID-19 pandemic has severely affected the commercial real estate sector as travel restrictions and social distancing have affected public mobilization, commercial works and assembly facilities. The office sector, the retail sector and the hospitality sector are the most affected market segments during the pandemic. Additionally, the global market is now in a recovery phase as COVID-19 protocols are relaxed and sales are reaching pre-pandemic levels in the market.

The significant growth of the commercial real estate market is driven by urbanization, digitalization of the commercial sector and increasing foreign investment in the sector. For example, in 2021, foreign investment in the European commercial real estate market accounted for half of capital investment in this region, or almost 130 million euros.

Additionally, Asia-Pacific, China, and Canada saw growth in office space absorption, while Europe and the United States saw a decline in the rate. Additionally, Asia-Pacific leads in terms of retail sales and logistics warehouse uptake in the global market.

Main market trends

Office markets will experience increased growth

The office market has been hit hard by the pandemic globally. Despite the huge disruption, the market is now in the recovery phase. In addition, the increase in investments in the sector, stimulating the economic recovery of the market, and office rental activities are also growing.

In 2021, office occupancy saw robust growth of more than 80% in nearly 390 metropolitan cities around the world. Additionally, 30 million square feet (msf) of office space has been absorbed since the third quarter of 2021. Meanwhile, sector rent growth is in a slow recovery phase, EMEA has seen significant growth in rent growth.

Additionally, most office space is taken up by Class A offices with over 61%, followed by Class B and Class C offices with 32% and 7% respectively.

In addition, Asia-Pacific (APAC) is leading the office market, driven by growing population, growing GDP, middle-class consumers, working-age population taking advantage of office demand. In addition, the APAC region contributes more than 50% of office construction in the global market.

The retail sector is expected to experience significant growth

Despite the disruptions caused by the COVID-19 pandemic, the retail real estate sector has experienced significant growth that is underpinned by the digitalization of work, the transformation of physical retail and the move towards environmental considerations , Social and Governance (ESG). Additionally, the retail industry is facing many challenges from the e-commerce industry and changing customer behavior during the pandemic. Despite these challenges, the sector held its own, as e-commerce sales during the pandemic were only 14% of overall retail sales.

Additionally, to meet consumer demand and adapt to the changing retail environment, developers are focusing on different strategies. Such as remodeling malls for multiple purposes, customizing tenant mix, developing new rental models to attract the latest business models.

Additionally, to meet consumer demand, some retailers are expanding their business through omnichannel strategies, such as click-and-collect, curbside pickup, and ship-from-store by adopting new technologies.

Additionally, retail sales increased in the Asia-Pacific region, followed by the United States and Europe. Additionally, retail sales have seen growth in different segments such as retail stores, grocery stores, clothing, department stores, restaurants, and bars. In which in-store retail recorded the highest sales in 2021 compared to 2019.

Main topics covered:





4.1 Market Overview

4.2 Market Dynamics

4.2.1 Market Drivers

4.2.2 Market constraints

4.2.3 Market opportunities

4.3 Supply Chain/Value Chain Analysis

4.4 Porter’s Five Forces Analysis

4.5 Impact of COVID-19 on the market


5.1 By type

5.1.1 Offices

5.1.2 Retail

5.1.3 Industrial/Logistics

5.1.4 Multifamily

5.1.5 Hospitality

5.2 By geography


6.1 Overview (Market Concentration and Key Players)

6.2 Company Profiles

6.2.1 Brookfield Asset Management Inc.

6.2.2 Prologis, Inc.



6.2.5 DLF Ltd.

6.2.6 Boston Properties, Inc.

6.2.7 SEGRO

6.2.8 Link Asset Management Limited

6.2.9 WANDA Group

6.2.10 Onni Contracting Ltd

6.2.11 MaxWell Real Estate

6.2.12 ATC IP LLC

6.2.13 Nakheel PJSC.

6.2.14 RAK Properties



For more information on this report visit https://www.researchandmarkets.com/r/i1592h

Zero Hour – Agenda 21 (Album Review)


Coming back from the dead after almost fifteen years between two albums, the American progressive metal band H-hour returns to the fold with his new disc, “Agenda 21”. When it comes to writing this kind of music, it’s not an easy task. It’s melancholy. Bad jokes aside, it makes perfect sense that the guitarist Jasun Tipton and singer Erik Rosvold would recruit the bass monster that is Andreas Blomqvist (Seventh Wonder) and drum beast Roel Van Helden become the percussive backbone of the musical megaworld that is H-hour. Agenda 21″ is laden with atmospheric groove, contains go leor riffs and faithfully respects the characteristics of the genre – there are many long songs with a ton of parts, time signature changes and ridiculous displays of musicality. Take your metronome and proceed with caution.

Going straight to the juggler, we are drawn into a 14-minute epic titled “Democide” which takes us from an atmospheric groove to downtown Riffopolis. The song begins with clean ambient guitar arpeggiating chord progressions that are backed by a high-end hat-driven groove with Blonqvist syncope with Van Helden‘s bass drum. Remember this feeling, this is the last time you will have it for about five minutes. From there, we’re on a white ride through the journey of a progressive metal riffmeister as a hopeless dystopian worldview is painted for us by Rosvold. The song moves back and forth between heavy riffs and clean parts before ending with clean guitar arpeggios outlining a chord progression and a mix of lyrics and vocals.

“The digital drug is lobotomy” is the main proclamation of Rosvold in their second song”Technocracywhich begins with a frequency-filtered melody played by Tipton before the song opens and the melody turns into a rising track. Of the Rosvold takes the lead in the song and brings us into the verse which has a beat somewhere in the 1980s Ozzy Osbourne and Dream Theater in that there is a straight chord riffing followed by progressive upward moves in a back and forth subdivision stuffing between a 3 count and a 5 count. The song then takes us on a journey of progressive metal filled with weirder time signature changes and instrumental themes while Rosvold sings in disbelief of the state of technocracy.

Their next song”Stigmas » kicks off with an electronic groove before the band arrives to play their syncopated hits that take us further on a progressive metal adventure of just over nine minutes. Lyrically, we mean a view of the world and of self through a Christian perspective. The song ends ethereally, hearing clean atmospheric guitars until it ends with just a chord synthesizer and vocal keyboard patches.

Then, we have “Memento Mori” which is the closest thing to a ballad that we’re going to get on this record. There are some very heavy lyrics in this one. It’s deep and personal and if you can follow along you’ll hear a very powerful and sad story about the death of a loved one. Musically speaking, this song breathes air as it is driven by clear, reverberating guitars throughout the song while complementary bass melodies are integrated into the groove laid out by Blomqvist.

Without wasting time, our next track”Agenda 21” brings us back to the metal side of things and arrives with intense riffs from Tiptonbacked by ferocious percussion from Van Helden. Rosvold sings of a dystopian, freedom-stricken world over seriously jagged riffs, ambient clean guitars and weirder time grooves. One of the highlights for me was the clean section bass line around the four minute mark.

H-houris the last piece on “Agenda 21” is called “patient zero” and it closes the album in style as a ten-minute epic that begins very calmly and turns into a driving progressive metal journey. Through the perspective of a political prisoner, we are told what life was like, what is life and ultimately how the prisoner finds resolution within. All of the band members shine on this song with their respective instruments, and each of them has a moment that will wow you on this track. as the song rises, the tension is released and the end of the song and “Agenda 21” gently leaves us at the edge of an atmospheric furrow.

21″ diary ticks a lot of boxes that any fan of the genre would want to fill, and fans of the band will have this album on repeat, as it holds up well against their other albums. However, a common problem that plagues this genre as a whole is the lack of brackets. It’s an extremely difficult balance to strike between chops and eye-catching segments, and throughout “Agenda 21” I found myself having the exact same problem here. All in all, after almost 15 years between releases, H-houris back with “Agenda 21” is a solid throwback effort into the world of progressive metal.

Produced by: Frontiers Music Srl
Release date: May 13e 2022
Gender: Progressive Metal

The musicians:

  • Erik Rosvold / Voice
  • Jasun Tipton / Guitars and Keyboards
  • Andreas Blomqvist / Bass
  • Roel van Helden / Drums

“Agenda 21” track list:

  1. Democide
  2. Technocracy
  3. Stigmas
  4. Memento Mori
  5. Agenda 21
  6. patient zero


Very well

Lyrically, “Agenda 21” is a provocative and thoughtful album that will challenge your worldview if you give it a chance. Despite some lackluster vocal melodies and repetitive guitar riffs, there are plenty of examples of individual and group musicianship that will make you want to return for a second and third listen. .

  • song writing

  • Musician

  • Originality

  • Production

Working with a consultant when moving from faculty to administration (review)


They say the path to the provost’s office – or that of another senior administrator – is through a professorship. While this is true, many people often feel like they have to take a big leap forward when making the transition from professor to full-time administrator, and the decision to take this path requires careful consideration. It’s a major lifestyle change for faculty members who have spent years using summers for focused research and regular sabbaticals and become accustomed to the pace of working with different students each term. .

Plus, once you’ve made the decision to explore administration full-time, how do you seek out and then land such a position? Often faculty members don’t really know where to start. Many have asked me over the years, what is the hiring process like and what can I expect?

Appointing provosts, presidents, deans, and others to senior administrative positions differs significantly from faculty search processes. With the exception of some internal promotions, searches at this level usually involve hiring a recruitment firm. And for many faculty members, their first experience working with a research consultant differs significantly from the standards they expect in faculty research, which can be shocking.

Most professors considering a full-time administrative position have been engaged in faculty searches for years—as candidates, committee members, or department chairs overseeing those searches. Faculty searches have a set of conventions that may differ slightly from institution to institution, but they share some basic characteristics that most readers of Inside Higher Education will recognize – documents that are initially submitted in the format of first-round interviews and subsequent campus visits. To minimize bias, committee members generally do not speak with research applicants outside of these established interview times, even if they are known colleagues of the committee members, as often happens due to areas of shared research or in the case of internal candidates.

While the process of hiring a provost, dean, or other senior administrative position shares a number of these characteristics, including a first-round interview followed by a campus visit, other aspects diverge considerably. To get started, a request from a search consultant often initiates the process rather than your submission of a cover letter and resume. Unlike a faculty search, you will have many conversations with this consultant at every stage: before an initial interview, in preparation for the campus visit, and during debriefings after each engagement with the search committee. Also, if you move forward until you receive an offer, the consultant is sometimes engaged in the negotiation process.

So, as a candidate, what is your relationship with the consultant? Are they a trusted ally you can talk to honestly, or are they just an extension of the search committee? The answer is a bit of both. To explain why this is so, let’s review the different stages of this process.

Typically, you can start by responding to an email from the consultant asking if you would be interested in a conversation about a particular opportunity. What can you expect from this first call? Is it an interview? On the one hand, this is not an interview but simply an initial exploration. On the other hand, every interaction you have with the consultant will shape their impression of you, not only for the opportunity at hand, but also for future opportunities.

It is important to understand who this consultant is and what they were hired for. Research consultants are hired by the recruiting institution. Although their level of commitment to research may vary, they are most often hired to develop the pool of candidates. To do this, they will rely on a number of sources. They will contact incumbent deans, provosts and presidents; they will send explosive emails to various lists; and they will interview campus leaders, including search committee members, and ask for recommendations.

They will also draw from their own records of candidates from previous searches. (It should be noted here that their contracts usually state that they cannot contact someone they have placed within a recent period of time, usually around three years. They can, however, contact that person if their application has been recommended to them by someone another.). The search firm will then make initial inquiry calls with potential candidates to find out more about their potential interest in the position, as well as to get to know the candidates, whom they may not have met before.

The consultant will then present a candidate brief to the search committee, which will include review of profile highlights, resumes, and, if they spoke to the candidates by phone or video, their notes from that initial call. What you can take from this is that the initial presentation of your application by the consultant is a key moment, and if you have spoken to this consultant, your potential for advancement will largely depend on how the consultant characterizes his conversation with you at the committee members.

Following this meeting with the committee, the consultant will let you know if you are invited for a first-round interview, and they will probably want to speak with you to prepare for this round. If they offer a prep call as an option, it’s always best to accept. (In fact, any additional engagement with the research consultant offered to you can be invaluable, so you should always embrace this opportunity.) In this conversation, they will share details about who will be on the call, how long meeting and so on. They can also give you an indication of the questions the committee will ask. Take notes during this call! You can learn a lot about what the committee likes about your application, as well as what questions they will ask you. During this call, you can also ask the consultant to share with you what the committee saw as both the strengths and challenges of your application, which will help shape your responses during the interview.

After the first-round interview, the committee will meet again and narrow the pool, much like in a search for professors, to a short list of finalists, whom they will invite to campus. If you are on this list, the consultant will probably prepare you again for the campus visit, providing you with details of the meetings to be held, the presentation you will make, etc. At this point, I’ve seen a wide range of approaches from search consultants. In some cases, a consultant gave me hints as to who the other finalists were (which, frankly, felt a bit unethical, but was strategically helpful); in other cases, they won’t talk about it at all.

I have also worked with consultants who described very explicitly how the committee responded to my initial interview. In one instance, a research consultant I worked with offered detailed advice on how to handle a campus visit to the point that he felt like my personal career coach. I was very grateful and passed this knowledge on to other interviews and passed it on to the people I mentored. But at that time, I was also very aware that if the consultant supported my candidacy, he was surely also supporting the candidature of the other finalists.

What should be remembered here are the objectives of the research consultant. They want a search to run smoothly and close quickly, for the hiring institution to land their first-choice candidate, and to appoint someone who will be successful in their role. To that end, they want to groom all finalists to shine, which in turn makes them feel good. This does not mean that their support for you individually is dishonest. But at the end of the day, while a search consultant is in many ways a matchmaker, always remember that the hiring institution is paying for their services.

Let’s say you’re moving through the process and the institution has decided they’d like to offer you the job. At this point, the search consultant will call you and let you know that you are the best candidate. They will often tell you as they contact your references. They may also indicate that they will go “off the list” for references – for example – contacting people you have worked with but whose names you have not provided. Additionally, the search firm will perform a credential check, criminal background check, and possibly a credit check. All of these indicate that an offer is imminent, whether the consultant says so explicitly or not.

Just before an offer is made, the consultant will ask a question like, “Is there anything in particular that you would ask for, if the position were offered to you, that I can know in advance?” More strongly, they might ask, “Is there an element of an offer that, if not part of the package, would cause you to decline this offer?” »

In my experience, this is the busiest and trickiest time in your interaction with the consultant. How you answer this question is tricky. As stated, the consultant wants the search to complete successfully. But as a candidate, if you reveal too much here, it can put too much bargaining power in the hands of the hiring institution.

If this is your first experience working with a consultant, you may feel at this point that they are on your side, which they are, but only up to a point. You may also really want to clinch the offer and feel pressured to cite things that, if not included, would really be non-starters, like hiring tenure or funding for the research. If the consultant asks a question like this, my advice is to be polite but firm by saying something like, “I’m genuinely interested in this role, and if an offer is made, I’m confident I can come to conditions agreed with the institution. If you avoid saying anything concrete until you have an actual offer in hand, it will position you better once you’ve negotiated the terms.

Remember, again, that the hiring institution pays the research consultant. At the same time, however, know that your relationship with this consultant does not have to end with this search. Even if you land this role, you could end up working with the consultant years later when you search for your next job or hire them to help you with a search.

More immediately, you are now in that consultant’s Rolodex (an obsolete object, but still relevant as a metaphor), and he will contact you, or refer you to another consultant in his firm, for future opportunities. So while it’s helpful to understand the consultant’s priorities in current research, it’s also wise to treat each interaction with them as the start of an ongoing relationship, one that can often be invaluable to your career goals. long-term and worth cultivating.

US experts warn of Covid surge at Memorial Day weekend rallies

Los Angeles, May 31 (SocialNews.XYZ) As the United States marks Memorial Day and celebrates the unofficial start of summer, the seven-day average of Covid-19 cases in the country is more than six times higher than it was a year ago. year.

The Johns Hopkins Coronavirus Resource Center reported a seven-day average of 119,725 Covid-19 cases on Saturday. This figure was 17,887 cases as of May 28, 2021.

Over the three-day holiday weekend, one of the country’s traditionally busiest travel times, more than 39 million Americans are expected to take to the skies and the roads, according to estimates by the American Automobile Association. .

Experts predict a sharp rise in new infections after Memorial Day weekend trips and gatherings.

In recent weeks, daily confirmed cases in the United States have increased again, fueled by a rising tide of Omicron subvariants currently circulating in the country.

The United States averages about 110,000 new cases each day, according to data from the United States Centers for Disease Control and Prevention.

Experts believe the true number of cases is much higher as many have been underreported due to home Covid-19 testing.

While new deaths are relatively low, the total number of known deaths in the United States from Covid-19 recently exceeded one million.

Omicron subvariants are spreading rapidly in the United States as many of the country’s pandemic restrictions have been lifted.

Health officials have said the United States is in the midst of a new wave of COVID-19. They warned Americans to exercise caution before a possible surge.

“Anyone who hasn’t received a booster for their vaccines should really start thinking about those boosters right now,” said Jill Roberts, associate professor at the University of South Florida College of Public Health.

Health officials have urged people to take precautions to help limit the spread during the Memorial Day holiday, by wearing masks in public spaces and practicing social distancing.

“The one tool that a lot of us don’t use anymore is really distancing,” Roberts added.

Source: IANS

US experts warn of Covid surge at Memorial Day weekend rallies

About Gopi

Gopi Adusumilli is a programmer. He is editor of SocialNews.XYZ and president of AGK Fire Inc.

He enjoys designing websites, developing mobile apps and publishing topical news articles from various authenticated news sources.

As for writing, he enjoys writing about current world politics and Indian movies. His future plans include developing SocialNews.XYZ into a news website that has no bias or judgment towards any.

He can be reached at [email protected]

AIOU holds the first board meeting for the president in history


ISLAMABAD, (UrduPoint / Pakistan Point News – May 29, 2022): The first board meeting of the “Creating Archives of Intelligentsia of Pakistan” chair recently established by Allama Iqbal Open University (AIOU) was held yesterday .

The Vice-Chancellor, AIOU, Professor Zia Ul-Qayyum, outlined the main objectives of the new Chair of History.

He said AIOU has set up a chair to record and preserve oral history on multi-disciplinary topics to reconnect our future generation with our history to accelerate the pace of ideological and intellectual development.

Professor Dr. Samina Awan, who occupied this chair, prepared the convocation of the meeting.

Senior Advisor (PMU) Mohammad Rafique Tahir, Organizer, President of Iqbal, Prof. Fateh Muhammad Malik, Dean of the Faculty of Social Sciences, Prof. Dr. Hasan Raza, former DGRS, Inamullah Sheikh and Dr. Abdul Basit Mujahid participated in the meeting. Professor Dr Iftikhar Haider Malik from Oxford, UK, Professor Dr Zahid Munir Amir from Punjab University in Lahore and Professor Dr Tahir Kamran from Beaconhouse National University in Lahore attended online.

Professor Halil Tokar from Istanbul, Turkey, a member of the Board of Trustees, was unable to attend due to his travel schedule.

Members strategized for the long-term goals of the chair, including topics for talks, an international conference on the Silk Road, as well as short-term goals for frequent oral history seminars on the regional campuses of Karachi, Lahore, Quetta and Peshawar of AIOU.

An action plan designed to hold interviews in twin cities first and later across the country. Discussion held on holding oral history workshops for teachers working in the discipline of history across the country and identifying research topics for nomination of scholars.

Introducing the foreign board members Prof. Awan said the board members have extensive experience working on Pakistani chairs abroad such as Egypt, Cambridge, Oxford and Istanbul and d eminent scholars of Islam, Pakistan and the history of the region.

She resolved that their expertise will support the AIOU team to achieve the goals.

She added that an “online oral history archive” will be created under the guidance of the Center of Excellence, as envisioned by the worthy leadership of AIOU. Where social, cultural, economic, environmental, intellectual, public and regional history with its commonalities in diversity will be promoted.

Mohammad Rafiq Tahir, said the seed we plant today to preserve history will be a boon for future history scholars.

Professor Fateh Mohammad Malik said memories of Tehreek-e-Pakistan should also be preserved and interviews should be conducted with people who witnessed the creation of Pakistan.

Prelude to Pride in Prince Rupert – Prince Rupert Northern View

St. Paul’s Lutheran Church invites all members of the community to a “Prelude to Pride” worship service on May 29 at 11 a.m.

“As lesbian, gay, bi, trans, queer, two-spirit, intersex and asexual (LGBTQ2SIA+) communities prepare for Pride Month, the service invites everyone to join in worshiping a God who loves and cares for all his people,” said group representative Tom Kertes. “We come together to worship a God of love and affirmation.”

Wanting to make the event an annual gathering, Kertes said he hopes it will blend in with other Pride Month festivities to celebrate LGBTQ2SIA+ equality.

The inaugural “Prelude to Pride” service will be held at 11 a.m. at the church, 460 McBride Street.

Kertes also introduced the Rainbow Community Potluck, a new community group that plans to bring people from the lesbian, gay, bi, and trans communities together the old-fashioned way — through face-to-face gatherings.

The group will host their first potluck during Pride Month and hope this will lead to social gatherings, potlucks, games, movie nights and other face-to-face community events throughout the month. ‘year.

“The more connected we are on a personal level, the stronger we are as a community,” said Kertes, an organizer for the group. said.

“With social media and the past two years of COVID lockdown, it has been difficult to bring people together to create community. Bringing together people from the lesbian, gay, bi, trans and Q+ communities in Prince Rupert will help strengthen our bonds with each other. Hopefully this Pride Potluck can turn into something more.

“Everyone is invited to attend this event – help build community and support equality…for the North Coast region and beyond,” he said. “All who support equality for all for LGBTQ2SIA+ are invited to join us.”

The potluck dinner will be held on June 26 starting at 5 p.m. at St. Paul’s Lutheran Church.

For more information or to RSVP, please contact Tom Kertes at [email protected]

KJ Millar | Multimedia editor and journalist
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The DeKalb County School Board will hold a virtual meeting and executive session at 2:30 p.m., Tuesday, May 31, 2022.

The agenda for the called virtual meeting is attached and can be viewed online by going to: www.dekalbschoolsga.org, click on Leadership, go to the Simbli homepage (formerly known as eBoard) and click on the date for the agenda/meeting information. The virtual meeting can be viewed at the following link on DeKalb Schools TV (DSTV) by going to: www.dekalbschoolsga.org/communications/dstv.

Meeting program:


By: Ms. Vickie B. Turner, Board Chair

  1. Listing

Ms. Vickie B. Turner, Board Chair Mr. Diijon B. DaCosta, Sr., Vice-Chair Ms. Anna Hill
Mr. Marshall D. Orson
Mrs. Deirdre P. Pierce
Mrs. Allyson Gevertz
Dr. Joyce Morley

Dr. Vasanne S. Tinsley, Acting Superintendent


It is requested that the DeKalb County School Board adjourn the May 31, 2022 virtual convened meeting to an executive session for the purpose of discussing personnel matters regarding staff, litigation and lands.

Motion by: ___________ Seconded by: ____________ Vote: __________


The DeKalb County School Board is asked to adjourn the May 31, 2022 executive session.

Moved by: ___________ Seconded by: ___________ Voted: __________


The School Board is requested to adopt the agenda for the virtual convened meeting of May 31, 2022.

Moved by: ___________ Seconded by: ___________ Voted: __________


1. Approval of resolution to modernize Druid Hills High School

Presented by: Dr. Vasanne S. Tinsley, Acting Superintendent

Moved by: ___________ Seconded by: ___________ Voted: __________


The DeKalb School Board is asked to adjourn the virtual convened meeting of May 31, 2022.

Moved by: ___________ Seconded by: ___________ Voted: __________

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Biden’s “Chief Enabling Officer” Murkowski Diary: Kelly Tshibaka


Kelly Tshibaka, Republican candidate for Senator Lisa MurkowskiTrump-endorsed (R-Alaska) seat claimed Murkowski’s vote confirming Deb Haaland as interior secretary weakened Alaska, contributing to skyrocketing gas prices and dependency by impeding the production of oil, gas, rare earthand other vital products.

“Who is leading this assault on us? Joe Biden. Who is the CEO of all this? Lisa Murkowski,” Tshibaka said.

Tshibaka made the comments in an exclusive interview with The Epoch Times at the Alaska Sustainable Energy Conference, a three-day meeting on geothermal, nuclear, solar, wind, hydroelectric, and other alternative energy technologies.

A crucial challenge in any green transition is potential dependence on China.

This country and its state-owned companies dominate the mining and processing of rare earths and other materials used in solar panels, wind turbines and electric vehicles (EVs).

Even in the United States, green energy may be particularly vulnerable to Chinese pressure. MP Materials, owner of the only rare earth mine in the United States, is itself partly owned by a Chinese company, Shenghe Resources.

MP Materials recently received a $35 million grant from the Department of Defense for its new rare earth separation facility.

In March of this year, Murkowski described herself as “worried” about partial Chinese ownership of MP Materials.

“We shouldn’t be subsidizing things that we could be doing in America benefiting Chinese workers, Chinese fathers and Chinese mothers when we put Americans out of work,” Tshibaka said, adding that the rare earth reserves of the Alaska are a crucial asset for the United States.

“When you depend on a foreign enemy for an energy solution in the United States, you have created a national security problem,” she added.

She claimed that the Biden administration’s actions on Alaska oil and gas, including the cancellation of the sale of the Cook Inlet lease and the suspension of leases in the Arctic National Wildlife Refuge, contributed fueling the current global energy crisis and jeopardizing the well-being of everyday Alaskans. .

“Moms can’t feed their kids and workers literally can’t fill their cars with gas because our president has declared an all-out assault on this state, and especially on our fossil fuel industry, which is the thorn backbone of our economy,” Tshibaka said.

About a quarter of Alaska’s jobs and half of its total economy ultimately come from the oil industry, according to an analysis by the Alaska Resource Development Council.

In particular, oil has always provided an inordinate share of state general fund revenue.

Installation of BP’s Prudoe Bay oil field in Alaska. (BP via Getty Images)

The Alaska Department of Revenue projects oil will be responsible for 50.6% of Alaska’s general fund revenue this fiscal year, up from 25.4% the previous year.

Statistics from the Energy Information Administration (EIA) show that oil from the North Slope of Alaska averaged $84.94 per barrel in February 2022, compared to $52.37 in February 2021.

Statistics provided to The Epoch Times by Gov. Mike Dunleavy’s office show North Slope oil was trading at $119.71 on May 26.

It’s the highest price since 2008. Plus, with the West Coast under pressure and OPEC refusing to increase production, North Slope crude is one of the most expensive oils in the world.

Alaska state statistics show that North Slope produces 495,225 barrels per day. Although this is an increase from the start of 2022, it is still well below the region’s production just ten years ago.

Even though Alaska benefits from its hydrocarbon exports, many of the state’s most isolated and rural communities are hampered by their reliance on diesel to power the generators that provide electricity. When the temperature drops, the demand for this energy only intensifies.

AAA reports that diesel is selling for an average of $5.307 per gallon, up significantly from an average of $3.085 per gallon in the same period last year.

In one village, Noatak, diesel recently hit $16 a gallon, as reported by the daily news from Anchorage.

Tshibaka said the Biden administration’s executive orders and other actions have helped create a situation where people in these localities are “choosing between feeding their families and heating their homes.”

Conference speakers and suppliers presented potential solutions for these communities, which already suffer from vulnerabilities and power shortages during the best of times.

Nuclear energy companies have demonstrated new microreactors, which they say improve the safety of earlier designs while minimizing maintenance.

One exhibitor, industry stalwart Westingnhouse, claimed his Model eVinci could operate for eight or more years before refueling.

Microreactors like eVinci could provide one megawatt to tens of megawatts of electrical power, enough for several small villages.

Nuclear power companies at the conference said they expect their microreactor reactors to debut in four to six years, depending in part on the pace of approval from the Nuclear Regulatory Commission (NRC).

Tshibaka told The Epoch Times that she wants to reduce red tape for this industry. It also wants to offer it incentives like those that benefit wind, solar, biofuels and other energy categories.

“They’re asking for the same kind of tax breaks other energy industries are asking for,” she said.

Yet even as the conference highlighted opportunities ranging from tidal power to geothermal, Tshibaka stressed the importance of traditional energy to Alaska, at least in the short term.

“How many green energy jobs do you see here at this point? Yes, we would like to move into the future. That future is not our present,” she said.

Alaska’s population has declined over the past five years. The United States Census Bureau valued the state’s population was 732,673 as of July 1, 2021, down up from an estimated 737,625 in 2015. The state’s population grew slightly between 2020 and 2021, but not enough to offset the recent decline.

“There is a mass exodus out of state right now,” Tshibaka said.

Epoch Times Photo
A view of Anchorage, Alaska. (David Mark/Pixabay)

Tshibaka, who served in the office of director of national intelligence under Presidents George W. Bush and Barack Obama, said she wants to build additional national security assets and infrastructure in Alaska. She cited its strategic location near Russia, North Korea and China.

The state already has a number of military installations, including Joint Base Elmendorf-Richardson in Anchorage.

A April report of the Department of Defense’s inspector general has warned that US bases in the Arctic are not taking the necessary steps to assess and improve their resilience to climate change.

According to Tshibaka, as Arctic temperatures rise and previously frozen seas thaw, Alaska could take advantage of its proximity to Asian markets to ship goods that are now mostly shipped from the West Coast.

“When we no longer need to use icebreakers, because there will be no ice, you can ship 365 days a year,” she said.

Tshibaka also wants to help the tech industry gain a foothold in the final frontier.

She told The Epoch Times that she has spoken with IT companies about setting up data centers in Alaska instead of the lower 48.

The reason? These data centers must be kept at relatively low temperatures, colder than most of California in the summer anyway.

Alaska’s naturally cold climate could meet this need without using as much energy, saving money while reducing emissions.

Tshibaka declined to name the companies she said she spoke with.

The Epoch Times reached out to Amazon, widely considered the world’s biggest spender on data centers, for comment on the potential placement of data centers in such an environment.

The Epoch Times also contacted Murkowski.

The Interior Ministry declined to comment.

Nathan Worcester


Some Oklahoma districts want a shorter school year


Under Oklahoma law, a school year must include a minimum of 165 days, and five days of professional development and two days of parent-teacher conferences can be included in that count. Most other states require 180 days of instruction.

But nearly one in five Oklahoma school districts failed to meet that minimum requirement last year, and seven districts requested continued exemption from the 165-day minimum at the March meeting of the State Board of Education.

Officials from several districts requesting the appeal, which mostly have four-day school weeks, said teachers are unwilling to work the extra days needed to meet the 165-day minimum.

“It’s very simple,” said Battiest Superintendent Tommy Turner. “We can spend a few days less and have high quality teachers, or I can have a hot body in there and spend more days.”

State law currently requires schools to provide at least 165 instructional days and 1,080 hours. Waivers are allowed for schools that meet certain criteria, including achieving certain letter scores on part of the state report card.

State Superintendent of Public Instruction Joy Hofmeister said there were “one hundred” school districts “that were below the 165 minimum,” but only seven were potentially eligible for an exemption in under state law.

The schools that requested the exemption were Bridge Creek Public School in Grady County, LeFlore Public School in LeFlore County, Battiest Public School in McCurtain County, Morrison Public School in Okmulgee County, Jennings Public School in Pawnee County, Roff Public School in Pontotoc County, and Antlers Public School in Pushmataha County.

But members of the State Board of Education have expressed concern that reducing the length of the school year even further would not serve students well.

State board member Estela Hernandez noted that a significant learning loss, associated with the COVID shutdown of in-person learning in 2020, has yet to be caught up.

“Whether it’s rural, urban, or otherwise, we have students who have been impacted by COVID-19 who have had learning loss, and we see that so broad,” Hernandez said. “And for me to get to approve less than 165 days, it’s hard for me to get there because our students need more, not less.”

In all classes and subjects tested by the state, only 24% of Oklahoma public school students were proficient or better in the 2020-2021 school year. This figure was down from 34% in the 2018-2019 school year.

State board members noted that candidate schools could keep four-day weeks while meeting the 165-day minimum by adding about eight additional instructional days, but school officials said teachers opposed it.

“The problem is going to be from the perspective of the teachers you’re adding to their time,” Morrison Superintendent Brent Haken said.

In a letter provided to the board, Turner wrote that he had “really good faculty members who told me they would leave if the schedule changed too much.”

He said teachers will not work in the school district if the school year is extended to 165 days.

“They just don’t come to work for us,” Turner said. “They will go elsewhere.

Citing figures from other countries, Turner suggested teachers’ salaries should be increased by “80% or more” to eliminate teacher shortages.

A letter provided to members of the LeFlore Public Schools Board of Trustees cited a 2021 study which found that most teachers “view the 4 days as a ‘professional perk'” and that administrators reported that a four-day school week’ helps in teacher recruitment and retention.

Since the 2015-2016 school year, LeFlore has provided only 138 to 146 instructional days, though officials said they met the minimum requirement of providing 1,080 hours during that time. Several districts requesting an exemption said they had reached 1,080 hours of instructional time without meeting for 165 days.

But if teachers move from one district to another because of the 165-day minimum, board members noted that those teachers would not get a shorter school year elsewhere because the minimum is the same statewide.

“Every teacher in the state will be required to work a minimum of 165 days,” said state board member Jennifer Monies. “I know there are districts competing for teachers…but each teacher will have to go 165 days.”

And teachers generally won’t find shorter workweeks in most other states, officials noted.

“I believe we are one of seven states, out of 50, that allow less than 180 (days),” said state board member Brian Bobek.

He also noted that the minimum days requirement was supposed to have already taken effect but was delayed due to the repercussions of the COVID pandemic.

“Everyone knew it was happening,” Bobek said.

Council members also expressed concern that exemptions could be granted based on outdated data. Because the 2020 COVID shutdown prevented state testing that year — and test scores are used to calculate school grades — no report cards have been issued in recent years. Thus, districts requesting an exemption from the minimum days requirement were citing data from the 2018-19 school year.

Even using old state report card data, Brad Clark, general counsel for the Oklahoma State Department of Education, said a site in LeFlore District did not qualify for a exemption under state law due to poor performance on his state report card. The district has a D grade on part of its report card.

Jennifer Monies, a state board member, said she has reviewed “all ballots” from districts requesting an exemption from the 165-day requirement, and said she is open to exempting schools that “are content to knock it out of the park academically” despite a short school year.

“But it’s not,” Monies said. “I mean, most of the schools on this list are C schools.”

Sarah Lepak, a member of the state board of trustees, said she appreciates “the creativity” shown by districts that have used flexible schedules to simultaneously address staff challenges and student learning, but noted that “Oklahoma is so behind the times”.

State board member Trent Smith said he was “frustrated” with his own child’s lack of school days in Yukon, noting he felt “they out of school all the time” and that families have to fill the gaps.

“I personally think kids should be a lot more educated than they are,” Smith said.

The board unanimously rejected the requested waivers to the minimum school year of 165 days.

Local Elementary School Hosts Student-Led Social Justice Night

PORTLAND, Ore. (KOIN) – Vestal Elementary in northeast Portland emphasizes the importance of teaching social justice to young students and sharing it with community members.

As filming this week remains a priority, they say it’s an important reminder to be able to come together.

Like many across the metro and the country, Vestal Elementary was left in mourning after the deaths of students and teachers in this week’s horrific school shooting in Uvalde, Texas. Principal Sabrina Flamoe says that’s why tonight’s event was all the more special.

“It’s been a really tough week, for all of us around the world, and especially in elementary schools. I just feel a lot of grief, so it’s been even more encouraging and exciting,” Flamoe said. been really tough, so highlighting and being able to celebrate being together as a community has been really exciting.”

Today, Portland Public Schools responded to families after the Texas shooting, with the district’s own safety measures like classroom door locks, controlled-access doors and behavioral safety assessments. Vestal Elementary says that while they hold lockdown drills and teach awareness, an important part of social justice is being able to go to school and feel safe.

“All primary schools have lockdown drills, so we talk about safety quite often with our kids and just be mindful and aware of your surroundings,” Flamoe said. “Yet we also want children to feel comfortable and safe. It is an extension of their neighborhood and their homes.

Vestal Elementary has spent the year teaching students about social justice, including racial and environmental justice, as well as what is happening in their communities. It all culminated in an end-of-year event highlighting what they learned, as well as building community partnerships with organizations like the nonprofit Montavilla Jazz and The Yard at Montavilla food carts.

“The great thing about social justice is that it’s kind of common sense,” said Neil Mattson, executive director of Montavilla Jazz. “We all want to care about each other, care about our community, and do things to help us learn how to make our world a better place.”

Flamoe says being part of the community and coming together makes all the difference for young students at her school.

“Having a community center or a community center or the school as a gathering place is always very important and is always one of our goals, but especially this week, with so much grief and grief, being able to come together, and literally just being together,” Flamoe said.

Flamoe added that with Vestal being along a busy corridor like NE 82, safety issues often come to mind, which is why they have extra precautions in place during school.

MEGAWORLD CORPORATION: Notice of Annual Meeting of Shareholders

30and Floor, Alliance Global Tower, 36and Street cor. 11and Avenue, Upper Town of Bonifacio, Taguig City 1634

Megaworld Corporation

NOTICE IS HEREBY GIVEN that the annual meeting of shareholders (the “Annual Meeting”) of Megaworld Corporation (the “Corporation”) will be held on June 17, 2022 at 09:00 to be carried out virtually, via the link accessible via the Company’s website, with the following agenda:

1. Call to order
2. Proof of Notice and Determination of Quorum
3. Approval of the minutes of the previous annual meeting held on June 18, 2021
4. Annual management report
5. Appointment of external auditors
6. Ratification of Acts and Resolutions of the Board of Directors, Board Committees and Management
7. Election of Directors
8. Other Matters
9. Adjournment

Shareholders registered in May 20, 2022 shall have the right to be called and to vote at the annual meeting.

In accordance with Article 1, Sections 4 and 6 of the Company’s Amended Articles of Association and Sections 57 and 23 of the Revised Companies Code and to comply with government regulations on social distancing and prohibition of mass gatherings, the company has decided to hold the annual meeting by remote communication, and allow shareholders to vote by remote communication or by absent, or by proxy.

To participate in the General Meeting, shareholders must register from 9:00 a.m. May 27, 2022 until 5 p.m. June 10, 2022. The participation procedure by remote communication and in absence are contained in the information document.

Shareholders wishing to appoint proxies may submit proxies until 5:00 p.m. June 10, 2022, at the Corporate Secretary’s Office, 10th Floor, Two World Square, 24 Upper McKinley Rd, McKinley Hill, Taguig City 1634 or by email at [email protected] Validation of proxies will take place on June 15, 2022. A proxy form template will be attached to the Information Statement for your convenience.

Makati City, Philippines, May 18, 2022.

Corporate Secretary

Racial justice tops agenda for young AAPI candidates


For young AAPI women, finding our way in politics or government is about owning our power.

Bee Nguyen was elected the first Asian American Democratic woman to the Georgia General Assembly in House District 89, the seat once held by Stacey Abrams. (instagram)

A 20-year-old sophomore in college, Zainab Khan began working at the Georgia State Capitol as a legislative aide to former state Rep. Brenda Lopez-Romero in 2018 — she had high hopes of finding his way. She was eager to help shape the future of her Muslim community, but often found herself the only AAPI woman and person of color in the room. The meetings with lobbyists who refused to shake his hand, the racist comments and the microaggressions exhausted him. Eventually, she had had enough and left.

Khan’s story reminds me of mine. When I got my first job out of college as a legislative assistant at the Massachusetts State House, I remember telling my dad that I had landed my dream job. Instead of being excited for me, he said, “You’ll never be one of them.” His response stung, but I understood that it was rooted in his experience as an immigrant – the feeling of not being seen or heard, of being silenced in order to survive and fit in in a country that never seemed accept it.

I started the Asian American Women’s Political Initiative (AAWPI) in 2010 to ensure Asian American and Pacific Islander women have a voice in our democracy. Asian Americans are the fastest growing racial populationgrowing by 81% between 2000 and 2019. We represent 6.1% of the country, but only 0.9% of elected. Asian American and Pacific Islander women represent less than 7% of women in Congress, 2% of all female state legislators and 4% of mayors in the 100 largest cities. In the corridors of power and influence, I have seen how AAPI women were rendered invisible. Yet all of these crucial government decisions impacted our families, our communities and our lives.

When I talk to AAPI women about getting involved in politics, I hear similar stories about how they didn’t grow up in families discussing politics at the dinner table. We were encouraged to work hard, lay low and not commit. AAWPI ensures that AAPI women have the mentorship and deep community in this work to help cultivate our authentic political voice and show us the way, so that we don’t have to do it alone.

In the corridors of power and influence, I have seen how AAPI women were rendered invisible. Yet all of these crucial government decisions impacted our families, our communities and our lives.

I am grateful that members of the AAWPI community like Zainab and other AAPI youth can now see reflections of themselves in women candidates across the country who are putting racial justice at the top of their agenda. One of these leaders is Georgia State Rep. Bee Nguyen, running against Brad Raffensperger for Secretary of State. Since becoming the first Asian American woman in the Georgia legislature when she took over the seat from Stacey Abrams in 2017, Nguyen has been a ardent defender of the right to voteespecially for people of color and immigrants targeted by Republicans’ voter suppression tactics.

Daughter of Vietnamese refugees, Nguyen is a member of the New South, a rising coalition of young black, Latino and Asian American progressives who have transformed Georgia from once a Republican stronghold into a battleground state. If Nguyen is elected, she will become the first Asian American to win statewide political office in Georgia history.

AAWPI is the nation’s only political leadership organization for Asian American and Pacific Islander women. We have recruited, trained, mentored, and supported over 100 low-income Asian American and immigrant women in Massachusetts. Like Zainab, few believed in their own leadership before founding AAWPI. They are dreamers, anti-eviction activists, LGBTQ rights advocates, artists and nonprofit entrepreneurs advocating for racial, economic and gender justice and transforming the political landscape and reimagining what is possible.

Today, the AAPI community is in the midst of a transformation, given the ongoing anti-Asian hatred and racism amid the COVID-19 pandemic, the Atlanta mass shooting last year, and the role of the AAPI community in the broader call for racial justice. AAPI women can no longer afford to be invisible, especially when statistics show that 63.3% of anti-Asian racism stalks women AAPI. Increasing representation and building political power are essential to solving our nation’s critical issues: racial justice, economic justice, gender justice, climate change, the right to vote, and protecting our democracy.

In this AAPI history month, I want to affirm to young AAPI women that our voice and our leadership matter. We must take up space and own our power. We need to rise to this moment: to engage our community, help elect AAPI women, and maybe one day run for office. Our immigrant parents and young AAPIs deserve to see themselves reflected in politics and leadership positions and to know that they are seen, worthy and powerful, because we belong.

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Chancellor’s committee discusses removing names of Vance and Hamilton Hall buildings


The Chancellor’s committee reviewing the History and Race Commission’s resolution met on Wednesday to discuss the status of its draft proposal, which will recommend the removal of 10 building names from the campus.

The committee will send its proposal to Chancellor Kevin Guskiewicz by July 1, so he can review it before the board meeting in July.

At Wednesday’s meeting, the committee focused on Vance Hall and Hamilton Hall.

What’s new?

  • The committee discussed where in the proposal they wanted to include the opinions of family members on the removal of names.
    • The committee considered whether support or opposition to the removal of family members’ names made the case for removal stronger or weaker.
    • The committee said it was not a deciding factor for its recommendations, but wanted to include it in its proposal so people understand that there is support from family members.
    • The Vance family has supported the removal of honors for Zebulon Baird Vance from a monument in Asheville in the past. His name was also recently removed from the Charlotte and Asheville public schools.
    • Mike Smith, committee chair and dean of the School of Government, said while they haven’t directly addressed the removal of Vance’s name at the University, there is a general feeling that the family supports the removal. honors for him.
  • The committee then discussed the section of its proposal concerning the deletion of the name Hamilton Hall, named after Joseph Grégoire de Roulhac Hamilton.
    • Hamilton was a white supremacist, college professor, and founding director of the Southern Historical Collection.
    • The University Commission on History, Race, and the Way Forward, which provided the committee with a record of each person whose name it wanted removed, took a holistic view of each person’s life, examining the good and the evil. However, his general position was that the good of individuals cannot outweigh the bad things they have done in these cases.
    • Committee member Maria Estorino said that while Hamilton had softened his stance as he got older to become more in step with the times, she wondered if it took away the impact of his negative actions.
    • The committee voted unanimously to recommend removing Hamilton’s name from its proposal.
  • The committee then discussed a line that was added to Smith’s proposal, which said “this will make it more difficult to recruit and retain certain faculty, staff and students, especially after other very serious incidents.” publicized involving a race at Carolina”.
    • “When I think about how people will react if admins don’t remove some of these names, especially if we recommend them, there’s almost a sort of compounding effect,” Smith said.
    • Ralph W. Meekins Sr., a UNC administrator, said the addition could undermine the committee’s purpose.
  • The committee then discussed the section of their proposal that calls for the name Vance Hall to be deleted.
    • Vance was a Confederate soldier, governor of North Carolina, congressman, and U.S. senator.
    • Committee member Elliana Alexander said the Confederate statue of Silent Sam was placed in front of the building a few months after its name.
    • “The filing explains how the structures created a kind of Confederate memorial space at the front of campus as an entrance,” Alexander said. “And I think it’s just important that when we talk about these three buildings, we talk about them in the context of being named at the same time for a similar purpose, which was white supremacy and black intimidation.”
    • The committee discussed where they wanted to include this in their proposal.
    • The committee voted unanimously to recommend removing the name Vance from its proposal.

And after?

  • Smith said he would write his recommendation for Pettigrew Hall before the next meeting.
  • The committee will meet on Tuesday, May 31 to discuss removing the Morrison Residence Hall and Pettigrew Hall names at the next meeting.


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Live Updates: Boris Johnson and UK Lockdown Report News

Credit…Andrew Testa for The New York Times

The report explores 16 rallies that took place from May 2020 to April 2021 and, for the first time, details evidence of a breach of the rules at the highest levels of government in allowing questionable events to take place in Downing Street when the rest of Britain was under lockdown.

A pattern of alcohol-fueled parties in Downing Street were also described in the report – some involving karaoke, music and dozens of people – even as the general public was told not to congregate with people from other households, including relatives. At the time, hospitals and nursing homes also discouraged or banned visitors, and funerals were only permitted with very limited attendance.

The details of the parties reflected what Ms Gray’s inquiry called ‘failures of leadership and judgment at No 10 and the Cabinet Office’. Photographs of the rallies, as well as emails, messages and accounts from the parties were also included in the report.

A party on June 18, 2020 in Downing Street and the Cabinet Office at 70 Whitehall, for example, involved speeches, booze, food and music. At least one person got sick and there was at least one fight; the last member of staff did not leave until after 3am

The party, which took place in two stages, included more than 25 people who had gathered to say goodbye to a departing colleague and featured speeches in the Cabinet Room. Dominic Cummings, special adviser to Prime Minister Boris Johnson; and Simon Case, the Permanent Secretary for Covid and Pandemic Response, attended this event.

A series of other holidays, around Christmas 2020, have also come into the spotlight, revealing cases of more drunkenness in government offices.

One of the parties, December 18, 2020, was a planned hour-long event at the Downing Street press office, with 20-45 people gathering to celebrate Christmas and the end of the year. The gathering included a Secret Santa game, awards ceremony, alcohol and food. According to the report, “some staff drank excessively. The event was crowded and noisy,” with staff members staying until after midnight. A cleaner quoted in the report described spilled red wine on the floor.

At the time, gatherings of two or more people from different households were prohibited. A few weeks later, on January 14, 2021, with the same restrictions in place, a farewell event for two officials in Downing Street took place. It involved alcohol and Mr Johnson attended for a short time to deliver a speech, while others stayed late into the evening.

Two more rallies took place in Downing Street on April 16. By then, restrictions had eased slightly, but non-business gatherings of two or more households indoors or six outdoors were still banned. Both events lasted for hours, according to the report, in the presence of senior officials, although Mr Johnson was not there.

“A number of those present drank excessively,” the report added. After more than 20 people moved outside, still drinking, they damaged a children’s play set and the last staff left after 4am.

Emails and messages detailed in the report showed that some people had expressed reservations about the gathering while the restrictions were in place. But others seemed to simply ignore the warnings as they exchanged party invitations.

The report included a series of emails sent ahead of a rally on May 20, 2020, organized by officials to boost morale and attended by 30-40 staff in the garden of 10 Downing Street.

Lee Cain, who was then director of communications in Mr Johnson’s office, received an invitation and sent a response back to other officials saying: I’m sure everything will be fine – and I applaud the gesture – but an invitation to 200 people for a drink in the garden of No 10 is a bit of a communication risk in the current environment. According to the report, his concerns and those raised by other senior staff were ignored.

Mr Johnson attended the May 20 party for around 30 minutes, according to the report. Later, his then-Principal Private Secretary, Martin Reynolds, texted another adviser in a news media message that said, “better than them focusing on our drinks (which we seem to be rid of).”

Cyviz AS – Notice of Annual General Meeting June 1, 2022


The annual general meeting of CyvizAS, org. no. 965 451 129 will take place on June 1, 2022 at 1 p.m. at the Company’s offices at Drammensveien 165, 0277 Oslo. The general meeting will also be held digitally via Teams.

Notice of the Annual General Meeting is attached and will also be available on www.cyviz.com.

The proxy must be received by May 31, 2022 at 12:00 p.m. The proxy form is attached to the notice in appendix 1.

Disclosure Policy

This information is subject to the disclosure requirements in accordance with section 5-12 of the Norwegian Securities Act.


About Cyviz

Cyviz is a global technology provider for complete conference and control rooms as well as command and experience centers. Since 1998, Cyviz has simplified the way the digital workforce connects, visualizes and collaborates across critical technologies and data. Turnkey IT-centric solutions are easy to deploy, manage and support. Today, Cyviz serves global businesses and governments with the highest demands for usability, security, and quality. The cross-platform experience Cyviz offers to manage and control enterprise systems and resources makes Cyviz the preferred choice for customers with complex needs.

Cyviz is listed on Euronext Growth at Oslo Stock Exchange (symbol: CYVIZ)



  • Notice Cyviz AS Annual General Meeting June 1, 2022.pdf
  • Annex 3 The recommendation of the Nominating Committee AGM 2022 Cyviz AS.pdf

© NTB Norway, source NTB English Regulatory Notices

General Assembly of the Chamber: the agenda to restore the fuel limit for official cars will be tabled


The General House will discuss reinstating the fuel limit for official Municipal Corporation staff cars. There has been a 20% reduction in the supply of fuel to employees during Covid.

An agenda will be presented to the House for final approval in this regard. The meeting is scheduled for May 27.

“In this regard, it is stated that a number of Covid-19 cases were reported in the year 2020 and the city was under lockdown and the MCC was in financial crisis. Therefore, to reduce expenses, the matter was submitted to the MCC General House meeting held on 31.08.2020 to impose a 20% discount on POL/HSD on Official Staff Cars for Officers and other categories, with the exception of staff cars attached to firefighters”, specifies the agenda.

The agenda stated that now several villages have been incorporated into the jurisdiction of the MC and the pandemic is also under control.

“Therefore, the 20% discount condition on POLHSD on staff cars should be removed and the limit on staff cars should be reinstated.

Accordingly, the matter is subject to the review of the MCC General House,” it said.

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Proposal to build a trail for Rs 59.62L

The Chamber will also consider a proposal to build a footpath on Road V5, Sector 51, in line with the Chandigarh Master Plan 2031. Officials said this will include repairing the existing footpath, curbs, canals and uplifting the canal on road V4 as well at sector 51.

It was said that the site was visited with the Regional Councilor and found that the condition of the footpath, curb and existing canals was very poor and in need of urgent repairs.

Expenditure relating to this work will be charged to the heading “improvement of road and parking infrastructure and infrastructure”.

Superintendent Search ‘Right On Schedule’ | News, Sports, Jobs


PANAMA – The search for the next superintendent of the Central School of Panama remains on schedule.

Panama began the search after current Superintendent Bert Lictus announced his retirement in February. Lictus has held various positions with the school district since 2001 and was officially named superintendent in 2010.

So far, the search for Lictus’ replacement has gone well, according to David O’Rourke, superintendent of Erie 2-BOCES, which assisted the Panama school board in the search.

“The research is going well” said O’Rourke. “We had the full involvement of the school and the community, which we had expected. The board invited members of the community, parents, students, teachers, staff, administration, to serve on the interview panels.

A meeting was held on May 19 for an executive session of the committee, which also included preparing interviews for job candidates and reviewing current resumes. Interviews for the position will take place in June.

“We are on time” said O’Rourke. “We are well placed to find Bert Lictus’ replacement.”

Although Lictus won’t officially retire until early October, O’Rourke said a decision on who will replace him will be made by the end of the school year.

“A new superintendent will be appointed well before he leaves,” said O’Rourke.

O’Rourke added that it is the board’s role to select the new superintendent, but they have worked with and gotten input from key members of the community and learned what they are looking for in their next superintendent.

“We had a good response from the community,” said O’Rourke. “The board is doing very well.”

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Police pay close attention near Omaha intersection after recent shooting

OMAHA, Neb. (WOWT) – An Omaha woman is in jail after shooting a man late Saturday night.

Police say the shooting happened near 25th and Ames, an area that has seen its share of trouble.

An Omaha mother says her adult daughter had to go to the hospital a week ago after being beaten by several people in the 25 and Ames neighborhood.

“I want justice for her it’s sad it’s really sad.” “You know these young girls, they’re not old enough to get into the club, some aren’t, so they get out of bed and just hang around and they’re looking for a fight.”

Barbara Hatten wants something done about the violence in the region.

“There are too many things going on and then nobody does anything, nothing, nothing, my daughter is not the first one who arrived there, look at all the shootings, the stabbings, the cis, the this and that,” Hatten said.

Something happened again late Saturday night.

Stacy Webb, 40, was arrested near 25 and Ames after shooting a man in the chest. She is charged with second-degree domestic violence assault and use of a firearm to commit a felony.

Police say the victim had non-life-threatening injuries and the issues in the 25th and Ames Street neighborhood have been an ongoing issue for years.

They work to stay on top.

“Over the past few weeks there have been a handful of concerning incidents, even arrests by firearm in some of the enclosed grounds surrounding the club, not specifically at the club but where people congregate,” Jay Leavitt said. , Omaha Police Department.

Northeast Precinct captain Jay Leavitt said the private motorcycle club Los Diablos, which usually opens after the bars have closed, could be the magnet for the unruly crowds.

“So even though it doesn’t directly involve the club, we’re keeping an eye out that we don’t want to blame the club directly, but at the same time the fact that they’re open, that they’re having a meeting social and they hang around leads to more people in the area and that’s where the problems come from.

Captain Levitt says many people are gathering in closed grounds around the club and police are paying close attention to the area.

“I know they get called quite frequently, probably at least twice in a weekend, just for the noise and the crowds.” “We have been carrying out additional law enforcement operations, we have several planned for the coming weeks, just to stay on top of things and make sure this doesn’t escalate further.”

Police say they have spoken to club management, captain Levitt says the club want to work with the police.

“I actually just spoke with one of the club managers or owners he called me this morning, he said they were going to kind of take a break, be closed for a few weekends because ‘they would like to demonstrate that it’s not their bosses who are causing the problems.’ looks bad when there are problems happening near their club.”

Police said special attention was paid to the 25 area and Ames had recently removed a few guns from the streets.

Copyright 2022 WOWT. All rights reserved.

Alliance Global Group Inc Notice of Annual Meeting of Shareholders




NOTICE IS HEREBY GIVEN that the annual meeting of shareholders (the “Annual Meeting”) of Alliance Global Group, Inc. (the “Corporation”) will be held on June 16, 2022 to 09:00 to be carried out virtually, via the link https://www.allianceglobalinc.com/asm2022 accessible via the Company’s website, with the following agenda:

  1. Call to order
  2. Certificate of opinion and quorum
  3. Approval of the minutes of the annual general meeting of shareholders of June 17, 2021
  4. Management report for the year 2021
  5. Appointment of independent auditors
  6. Ratification of acts of the board of directors, board committees and officers
  7. Election of directors
  8. Other topics
  9. Adjournment

Shareholders of record as of May 19, 2022 will be entitled to notice and vote at the Annual Meeting.

In accordance with Articles 23 and 57 of the revised Companies Code and the amended Articles of Association of the Company, the Company will hold the annual meeting by remote communication and will allow shareholders to vote by remote communication or in absentiaor by proxy.

To participate in the General Meeting, shareholders must register from 9:00 a.m. May 26, 2022 until 5 p.m. June 09, 2022. The procedure for participation by remote communication and in absentia is contained in the information statement.

Shareholders wishing to appoint proxies may submit proxies until 5:00 p.m. June 09, 2022at the Secretary General’s Office on the 9th Floor, Eastwood Global Plaza, Palm Tree Avenue, Eastwood City CyberPark, Bagumbayan, Quezon City or by email at [email protected] Validation of proxies will take place on June 13, 2022. A proxy form template will be attached to the Information Statement for your convenience.

The Information Statement and other relevant documents and information about the Annual Meeting are available on the Company’s website. For any clarification, please contact the Office of the Secretary General by email at [email protected].

Taguig City, Metro Manila, Philippines, May 04, 2022.


Corporate Secretary

Analysis: South Korea’s Yoon uses Biden summit as springboard for global agenda as China looms


U.S. President Joe Biden and South Korean President Yoon Suk-yeol arrive for a state dinner at the National Museum of Korea, in Seoul, South Korea May 21, 2022. Lee Jin-man/Pool via REUTERS

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SEOUL, May 23 (Reuters) – South Korea’s new president, Yoon Suk-yeol, used a largely successful summit with U.S. President Joe Biden over the weekend to lay the groundwork for his goal of enabling Korea of the South to play a more active role around the world.

Inaugurated on May 10, Yoon said his main foreign policy goal would be to establish South Korea as a “global pivot state” with a focus on promoting freedom, peace and prosperity. based on its liberal democratic values ​​and cooperation.

This closely mirrors Biden’s call for “like-minded” democracies with shared values ​​to work together, allowing the pair to engage in a surprisingly long list of areas of cooperation, setting the bar high on pledges but also highlighting how Yoon sees closer American ties as his path to global engagement.

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“Yoon clearly tried to use this visit as a way to launch his ‘Global Pivotal State’ agenda,” said Ramon Pacheco Pardo, president of Korea at the Brussels School of Governance.

The two leaders signaled in a joint statement at the summit their support for Biden’s framework for economic cooperation in Asia before it was even unveiled, pledged to cooperate on everything from international cooperation on nuclear energy to the cybersecurity, and have included mentions of Taiwan, the South China Sea, and Russia’s war in Ukraine.

The language used in Taiwan and the South China Sea has not changed dramatically from that of Yoon’s liberal and generally cautious predecessor Moon Jae-in, but that could change, Pacheco Pardo said.

“I think Yoon will be ready to join in the condemnation of China as a member of groups of like-minded countries in due time,” he said.

Pacheco Pardo was skeptical that South Korea would soon change its policy of providing only non-lethal aid to Ukraine, and said there was no real pressure from NATO to that the Asian partner provides arms.

But other analysts saw signs that language on Ukraine could lay the political groundwork for Yoon to increase aid.

“Ukraine is seen by Washington as a litmus test for its coalition of countries with shared values, so I wouldn’t be surprised if there were more talk on the road to South Korea providing aid, including possibly including weapons,” said Mason Richey, a professor at Hankuk University of Foreign Studies in Seoul.

More vocal support for Ukraine and improving relations with its US ally Japan are two areas where Yoon differs the most from his predecessor, and both will play well in Washington, he added.


However, increasing North Korean weapons testing threatens to undermine Yoon’s attempts to look beyond the peninsula, and like Biden, he will have to prove to domestic audiences that foreign engagement improves lives at home. him.

Yoon’s emphasis on economic cooperation and his commitment to join the US-led Indo-Pacific Economic Framework for Prosperity (IPEF), a program Biden launched in Japan on Monday, to bind countries more closely of the region through common standards in areas such as supply chain resilience, clean energy, infrastructure and digital trade, have been particularly notable, said Pacheco Pardo.

“Joining IPEF, in my opinion, is more important than we think because China has explicitly asked Korea not to,” he said.

China is South Korea’s biggest trading partner, and South Korea has already faced economic retaliation for defying China.

Probably with these interests in mind, Yoon’s team stressed that the IPEF did not explicitly exclude China and that it was natural and of vital national interest for South Korea to participate in such rule-making process.

South Korea intends to expand its partnership with China through “qualitative and quantitative economic cooperation”, the foreign ministry said.

“The IPEF and efforts to build a norm-based order etc. are partly meant to control China, but by not mentioning the word ‘China’ directly, they seemed to be trying to uphold the principle of mutual respect. “, said James. Kim, a researcher at the Asan Institute for Policy Studies in Seoul.

Some opposition lawmakers criticized Yoon for risking antagonizing China, but Kim said the president may have tacitly acknowledged rising anti-China sentiment among many South Koreans.

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Reporting by Josh Smith; Additional reporting by Hyonhee Shin and Soo-hyang Choi

Our standards: The Thomson Reuters Trust Principles.

University of the Pacific Master of Social Work program plans to move to Forest Grove – The Pacific Index


Pacific University voted to move Eugene’s Master of Social Work program to its Forest Grove campus, despite protests from existing students and Eugene community members.

University spokeswoman Jenni Luckett told the Index:

“There is a higher demand in the greater Portland area…We need to make sure we are meeting the needs of our students.”

Maddie Domka is a first-year student in the Master of Social Work program at Pacific University Eugene. They were notified of the campus change on May 4 a week after staff received the news, via email. Domka is the last promotion of the MSW program before the transition to Forest Grove. Domka believes that this situation could have been handled differently by the administration.

“We [MSW students] care so much about this program and have individually dedicated at least 400 hours to Lane County, and 900 in total. Moving the program affects current students, future students, staff and the community,” Domka said.

Daniel Isaacson is the president of the Suicide Prevention Coalition in Lane County, which often hosts interns from the MSW program. He learned about the campus change from mutual friends who had worked in the Master of Social Work program.

“There hasn’t been an official announcement, so it’s not an email that’s been sent out saying we’re considering this. It was a very clandestine behind-the-scenes decision that prompted me to educate about it and ultimately tell the public about it because it has such an impact on the community,” Isaacson said.

The Master of Social Work program has been operating and helping the Eugene community for nearly ten years.

The College of Arts and Sciences held a vote on May 5 to close the Eugene campus. Students in general are not permitted to attend College of Arts and Sciences faculty meetings, so students were not present when voting.

“Oregon is last in mental health funding. It’s addiction number two. It’s number one in methamphetamine use. Methamphetamine is a psychotic drug, which means people who take it will have a mental health crisis. We have one of the highest homelessness rates,” Isaacson said.

According to Mental Health America’s 2021 State Rankings, Oregon ranks 48th to 51st in mental health funding among states, giving it one of the lowest scores in the nation. —Jamie Samson and Emaleah Hursh


Scott Morrison drinks his grief after election bloodbath

Scott Morrison hosted a final social evening at the Prime Minister’s official residence after the Coalition was forced from power after nine years in power.

The outgoing Liberal leader was spotted wearing a smart casual navy jumper and holding a chill as he chatted with friends, family and staff on the lawn at Kirribilli House in Sydney Sunday afternoon.

At one point during the festivities, Mr Morrison decided to crack a big whip on the rolling lawns as his wife of over 30, Jenny, delivered a platter of margaritas to the surprisingly jovial crowd.

Those standing outside the gates of Kirribilli House said they heard loud cheers as the Prime Minister enjoyed a final send-off attended by dozens of his friends, family and staff.

Newshub reporter Emma Cropper tweeted that guests were singing along to the Liberals’ ‘Dear Labour, there’s a hole in your budget’ ad, which was widely broadcast on TV during the campaign and was criticized as ‘ boring” by voters.

The former prime minister will have to leave Kirribilli to make way for elected prime minister Anthony Albanese, who is expected to live there with his longtime girlfriend Jodie Haydon, his son Nathan from a previous marriage and “First Dog” Toto.

The Labor leader is due to be sworn in by the Governor-General on Monday and looks set to secure a majority of seats in the House of Representatives.

Earlier on Sunday, Mr Morrison gave his final speech as Prime Minister at a service at Horizon Church in Sydney’s Sutherland Shire, where he broke down as he spoke of being ‘called’ to ‘ trust and obey”.

At one point during the festivities, Mr Morrison decided to crack a big whip across the rolling lawns (pictured) as his wife of over 30, Jenny, delivered a platter of margaritas to the surprisingly jovial crowd

Scott Morrison in Kirribilli

The outgoing PM enjoys a cool drink

Outgoing Prime Minister Scott Morrison enjoyed a cold drink while chatting with staff, friends and family during a farewell party at Kirribilli House after losing the federal election (pictured)

“Whether you’re a prime minister, a pastor, running a business, teaching in schools, working in the police, it doesn’t matter,” he told the congregation.

“We are all called to trust and obey. And it is the life of faith to which He calls us. It’s how we live our faith every day, whatever your job, and express it in the way you do it.

“You gave us a great base from which to walk what has been a very difficult walk, I have to tell you, over the last four years.

“I’m very happy that the last thing I say as Prime Minister is here, so I’m not going to trust my own words.

He then picked up his phone and read a Bible verse in the clearly emotive voice of the outgoing PM as he wiped his eyes.

Mr Morrison (pictured with guests on Sunday) gained ground during the election campaign, appearing to gain ground over Anthony Albanese, but that was not enough as voters went to the polls on Saturday

Mr Morrison (pictured with guests on Sunday) gained ground during the election campaign, appearing to gain ground over Anthony Albanese, but that was not enough as voters went to the polls on Saturday

Guests pictured arriving at Kirribilli House on Sunday afternoon as Mr Morrison entertained guests

Guests pictured arriving at Kirribilli House on Sunday afternoon as Mr Morrison entertained guests

Earlier on Sunday, Mr Morrison gave a speech at Horizon Church in Sutherland before returning to Kirribilli House for the <a class=social gathering (Pictured: Guests arriving)” class=”blkBorder img-share” style=”max-width:100%” />

Earlier on Sunday, Mr Morrison gave a speech at Horizon Church in Sutherland before returning to Kirribilli House for the social gathering (Pictured: Guests arriving)

“Even if the fig tree does not flower and there is no fruit on the vines, if the yield of the olive tree is low and if the fields do not produce food, even if the herd is cut off from the sheepfold and there are no cattle in the stalls, but I will triumph in the Lord,” read Mr. Morrison.

‘I will rejoice in the God of my salvation.’

He then went on to read a passage from the Book of Micah.

“As for me, I will watch over the Lord. I will wait for the God of my salvation,” he quoted.

“My God will hear me. Do not rejoice for me, my enemy. Even if I fall, I will get up. Although I live in darkness, the Lord is a light to me.’

Mr Morrison added: ‘God bless Australia. May God bless our community. And may God continue to show favor to this wonderful church family.

The crowd cheered as he exited the stage.

Kirribilli (pictured on Sunday) is the Prime Minister's official residence in Sydney with a second in Canberra known as The Lodge

Kirribilli (pictured on Sunday) is the Prime Minister’s official residence in Sydney with a second in Canberra known as The Lodge

Scott Morrison staff and their guests began arriving on Sunday afternoon (pictured) for the party

Scott Morrison staff and their guests began arriving on Sunday afternoon (pictured) for the party

Former deputy premier Barnaby Joyce was re-elected to his New England seat, but his role as leader of the Nationals is up for debate.

The end result was projected as 77 for Labour, 59 for the coalition and 15 on the cross bench.

Liberal MP Jane Hume said the best outcome would be a majority parliament.

Teal Independent Monique Ryan, who is set to seize the Kooyong seat from incumbent treasurer Josh Frydenberg, said voters reacted to a coalition government that moved “too far right”.

“He’s been dragged to the right by the Nationals…and he no longer represents the liberal heart,” Dr Ryan said.

Mr Morrison (pictured at the sociakl rally on Sunday) will also step down as leader of the Liberal Party, with his likely successor Josh Frydenberg looking set to lose his Kooyong seat in Melbourne

Mr Morrison (pictured at the sociakl rally on Sunday) will also step down as leader of the Liberal Party, with his likely successor Josh Frydenberg looking set to lose his Kooyong seat in Melbourne

Scott Morrison is pictured on Sunday morning

His wife, Jenny, is pictured on Sunday morning

The Morrisons returned to Kirribilli House on Sunday after the election (pictured: Mr Morrison and his wife Jenny on Sunday morning)

Moderate Liberal and incumbent minister Simon Birmingham said the party must raise its 2030 emissions target and do more to shortlist women into safe seats.

The Greens, having secured a record vote in the primary, are on track to hold 12 Senate seats in the new parliament and up to five seats in the lower house.

“The green slide is expected to get worse in the coming days – people have given a mandate for action on climate and inequality,” said leader Adam Bandt.

The new Prime Minister, Mr Albanese, also spent his Sunday morning in his own constituency of Grayndler, in Sydney’s Inner West.

He and his partner Jodie Haydon and cavoodle Toto visited a café at the Marrickville library where the popular local member was mobbed by a crowd of excited residents.

The new Prime Minister opted for a hot coffee to combat the chilly 16C weather.

Newly elected Prime Minister Anthony Albanese spent his Sunday morning in Marrickville with hot coffee, his partner Jodie Haydon and

Newly elected Prime Minister Anthony Albanese spent his Sunday morning in Marrickville with a hot coffee, his partner Jodie Haydon and ‘First Dog’ Toto (pictured)

“It was a great moment last night, a really great moment,” he told reporters.

“A great moment in my life, but what I want is a great moment for the country. I want to change the country. I want to change the way politics works in this country.

Official figures from the Australian Electoral Commission have Labor in 74 seats in the House of Representatives – two less than a majority – but the party is expected to hold up to 77.

The Liberal-National coalition held 52 seats, with Scott Morrison set to step down from the Liberal Party leadership once a village hall meeting can be scheduled.

Outgoing Prime Minister Scott Morrison breaks down in tears as he addresses his church (pictured)

Scott Morrison (pictured at Horizon Church on Sunday) said in 2019:

Outgoing Prime Minister Scott Morrison wiped away tears as he addressed his church (pictured) earlier on Sunday

He is widely expected to be replaced by outgoing defense minister Peter Dutton, but Mr Dutton could face resistance from party moderates.

Mr. Albanese and Senator Wong will travel to Tokyo on Monday for the Quad meeting with the leaders of the United States, India and Japan, as well as bilateral meetings.

He will return to Australia on Wednesday when he plans to “get down to business”.

One of the first major events will be a meeting with state premiers and territorial chief ministers where he will outline the new federal government’s position on more ambitious climate action.

Agenda of the Municipal Commission of Carthage: May 23, 2022 | General


A regular meeting of the Carthage Municipal Commission will be held on Monday, May 23 at 5:00 p.m. at the Carthage Town Hall, 812 W. Panola St. in Carthage.


1. Call to order

2. Prayer

3. Conduct an investigation of election returns for the May 7, 2022 Elected General Election

4. Delivery of election certificates to elected officials for the general election

5. Pre-Oath Statements and Administration of the Oath of Office for the Office of Mayor and Commissioners Places 3 and 4

6. Elect Mayor Pro Tem

7. Set the date and time of Commission meetings

8. Approval of the minutes of the meeting of May 9, 2022

9. Public Comments on Agenda Items

10. Public Hearing on an application by Greg and Judy Williams to rezone the property to 308 North Pecan Street and being Lot 9 and part of Lot 4 of Block 260 from LB-1 (local business) to GB-2 (general business ) and the adoption of Ordinance 2022-02

ORDER 2022-02


11. Public Hearing on a request by Vinson Murphy and Krystal Barnett to rezone the property to 172 North Adams Street and being Lot 2 of Block 67 from SF-1 (Single Family) to GB-2 (General Business) and Adoption of order 2022-03

ORDER 2022-03


12. Discussion and possible action regarding street service equipment

13. Appointment of Members of the Board of Adjustment, Building Standards Commission and Revenue Advisory Committee-Hotel/Motel Occupancy Tax Board

14. April Financial Statement

15. City Manager‘s Report

16. Payment of invoices

17. Adjourn

Central Vermont Career Center Board of Directors Appoints Superintendent – Waterbury Roundabout


BARRE — Vermont’s new school board named Vermont’s new superintendent Monday amid a flurry of decisions that set the stage for the school district’s impending launch of Central Vermont Career Center.

The career center school board was busy on Monday evening, making decisions – some more important than others – at its first-ever meeting at the Barre-based career center.

The most important decision made by the council, which includes a mix of elected and appointed members, was among the most predictable. Jody Emerson, who is still in her first year as director of the career center, has been tapped to serve as superintendent of the soon-to-be-autonomous school district.

Created collectively by voters from 18 central Vermont communities on town meeting day in March, the new district will focus solely on the regional career center, which has been governed by a school board in Barre since it opened under a different name. in a wing at Spaulding. High school over 50 years ago.

That will change July 1 as part of a carefully planned transition that recently required the Barre Unified Union School Board to issue “downsizing” notices to all career center faculty and staff, even whether Emerson issued letters of intent on behalf of a council that had not yet met.

He has now.

In a move to ensure there are no job interruptions, the Career Center Board of Directors has approved a plan to offer contracts to all unionized Career Center employees who are currently covered by a collective agreement. of work negotiated by the Barre Education Association.

The final year of this contract coincides with what will be the first year of the new school district, and the board has agreed that its terms will dictate the terms of employment until it negotiates its own employment contract for the year of the new school district. contract which will begin on July 1, 2023.

Board members approved a two-year employment contract with Emerson and authorized their new superintendent to enter into two-year employment contracts with the center’s assistant director, director of special services, counselor, as well as a newly created Commercial Director position.

Acting on Emerson’s recommendation, the board also agreed to use the policies adopted by the Barre Unified School Board until further notice.

Most council members attended the meeting in person, although two — Barre District elected member Guy Isabelle and Cabot School Board representative Jason Monaco — were virtual attendees.

The council includes appointed members from the six school districts that send students to the career center—Barre, Cabot, Harwood, Montpelier-Roxbury, Twinfield, and Washington Central—as well as elected representatives from the four largest districts (Barre, Harwood, Montpelier – Roxbury and Washington Central).

All of these seats have been filled with the exception of the elected office of Washington Central. Candidates for the Town Meeting Day ballot and the written campaigns organized by Adam Rosen and Rosemary Morse were unsuccessful.

The board plans to interview candidates and fill the vacant seat when it meets again on June 6.

The board made several other key decisions: Jill Remick, who sits on the Montpelier-Roxbury school board, was elected president; Twinfield School principal Janna Osman was elected vice-president; Flor Diaz-Smith, president of the Washington Central School Board, was elected clerk.

While filling the only vacancy on the 10-member board will be on the agenda for next month, other issues are not as urgent.

A proposal to add at least two student representatives to the board will likely wait until the fall, and members agreed it was time to weigh possible amendments to the district’s bylaws that would address concerns about the requirement that the ballot papers of the 18 cities are shuffled. before they are counted.

The board did not appoint any committees Monday night, but likely will in the near future.

All decisions made by the board were unanimous, including the one that gave Emerson a new title and expanded responsibilities.

Remick said the district is “incredibly fortunate” to have Emerson at the helm as the regional center transitions to a truly regional governance structure.

This story was first published on TimesArgus.com.

A video of the May 16 meeting is online on the career center website.

Recap of the first in our Luminary Talk Series: Christine Uri on Environmental, Social and Governance Programs | Hanzo

The role of the legal department continues to expand, both in scope and complexity. New responsibilities lead to new questions, leaving room for uncertainty. That’s why the Hanzo team decided to launch the luminary series, featuring discussions with thought leaders in the growing fields of legal operations and compliance. We are specifically looking for experts who can offer helpful advice and encouragement to in-house counsel struggling with these new challenges.

Kudlow: The only way to whip inflation is to ditch the progressive agenda


So we start tonight with the front page of the New York Post. That kind of says it all.

Take a look… “Joe’s Train Wreck” – “gasoline hits brutal $6 a gallon, border crisis escalates, Ministry of Truth crashes, market drops 1,164 points – the worst day in two years, formula disaster.”

The only thing the Post missed was that the cavalry is coming because of the sinking of Mr. Biden’s train and I want to generalize about that sinking because in political terms it shows the complete collapse and the failure of the radical left, the progressive agenda or, as Newt Gingrich calls it, “the grand socialism of government.”


In a few moments, I will speak to Senator Ted Cruz about the failure of radical progressivism, wherever it has been tried and at whatever point in history it has been tried – total failure.

Take the Ministry of Truth fiasco – another attempt by Biden statism to control speech. Disagreement becomes misinformation. That’s right, out of the former Soviet Union or today China, or Venezuela or Cuba. That’s what they do. That’s not what America does.

Now that silly little Mary Poppins leftist, Nina Jankowicz, has made a laughing stock of it, but we mustn’t lose sight of a much more important point — that the Biden administration was trying to control free speech. Specifically, they were trying to control free speech that did not agree with their ideological views. This is radical progressivism.

Fortunately, this specific attempt to control free speech is now dead on arrival, but it is not dead in the minds of the ideologues who populate the Biden administration. Somewhere, somewhere, they’re gonna try to do that again.

The formula disaster is a perfect example of progressive over-regulation and of course, progressive obsession with blaming corporations.

The open border crisis is also a function of the progressive disregard for the rule of law and national sovereignty. It is the direct opposite of “America First”. It’s the notion that we’re all part of one big progressive global family and there’s no need for borders because instead of the national interest, we have what’s called “the global interest”.


This is complete nonsense, as ordinary working people in the country who are concerned about the drug epidemic, terrorism, crime wave and sex trafficking will tell you.

The fall in the stock market is a clear sign of recession which I will discuss later in the show.

Record gas prices are, frankly, exactly what the Bidens really want. No matter what they may say, they like $100 crude oil. They love record breaking diesel fuel. They don’t care about truckers and their trucks. They don’t care about business or consumer costs. They don’t care about pipeline safety. They are not interested in our relationship with oil-rich Canada.

For the first time in recent memory, they actually used government intervention to cancel a private sector project that was already under construction.

High fossil fuel prices are supposed to make Green New Deal renewables more attractive in their ideological mindset. The reality is that renewables only make up 3% of our energy, while fossil fuels make up 80% – as ordinary Americans are painfully aware once again.

Wages go up, but inflation rises faster. Biden progressives are completely in inflationary denial of rapid government spending, borrowing and money printing.


President Joe Biden addresses the 76th session of the United Nations General Assembly on September 21, 2021 at United Nations Headquarters in New York. (Photo by Timothy A. Clary-Pool/Getty Images/Getty Images)

The only way to whip inflation is a complete policy reset – that is, the abandonment of the progressive agenda. They won’t. This is why the GOP should push forward a pro-growth, balanced budget and be ready to kick off next January after Congress changes hands and this historic little slice of temporary progressive interlude ends.

Save America, balance the budget. Yes, the cavalry is coming.

This article is adapted from Larry Kudlow’s opening comment in the May 19, 2022 edition of “Kudlow”.

MoneyMutual Reviews: Are Money Mutual Bad Credit Loans Legit or Scam Service?

You might be wondering where to find fast cash when you’re in a rush. Everyone is facing a tough time right now. Many people lost their jobs because of the pandemic, and they’re experiencing tough financial times due to the crisis. Many people find loans to be essential in situations, such as when their car breaks down or when they are in need of money to do their shopping.

Any of the types of events described here can and often does happen to anyone. People often take out short-term loans to deal with monetary emergencies. Those options are available nowadays as well. Short-term loan companies are literally able to help you pay your rent for this month or pay an unexpected bill.

We have discovered a network of payday loan providers called MoneyMutual. The lending organization claims it assists its clients with finding the most suitable lender for their loan needs. Its wide network of lenders, including those who accept people with a bad credit score, makes MoneyMutual a viable short-term solution.

MoneyMutual is a popular online marketplace and a renowned loan lender provider, so we decided to do an in-depth review. Throughout the article, we will try to give as much information as possible to let you know how the platform operates, what the conditions are, and what services and loans are available.

This MoneyMutual review post is based on customers’ satisfaction with the company’s service and customer-friendliness. Based on a variety of sources from their own website, as well as experiences from customers, we hope this article could be helpful.

Let’s understand the basic facts and details about the company:

Company Details
Name: MoneyMutual
Category: Short Term Loans and cash advances
Based In: Las Vegas, NV
Ratings: 4.4/5
Customer Base: Trusted by more than 2,000,000 customers
Available Lenders: They have 70+ lenders in their lender network
Loan Range: $200 – $5000
Borrow Money For:
  • Emergency expenses
  • Medical bills
  • Special occasions like holidays, weddings, or travel
  • Car repairs
  • Unexpected bills or other payments
  • Groceries, gas, and other essentials
  • Application Cost: Free
    Contact Details:
  • Email: [email protected]
  • call: 844-276-2063
  • What is MoneyMutual?

    MoneyMutual is an online network that connects borrowers and those who need loans. By following a few simple steps, you will be redirected to a local lending provider from this website which provides over 60 lenders. We’ll talk a bit more about the different types of loans that are available to you.

    Their website is very easy to find. For a loan application, you will need to fill out several necessary forms. Several short-term lenders will view your application, so you should wait until you receive several offers. If you visit every single lender’s website, you would have to fill out 60 different forms, not only one form for all lenders. With MoneyMutual, you need to fill out a single form to get access to all 60 lenders.

    The service acts as a middleman who delivers the money to you in an easy and quick way. This network is perfect for those seeking short-term loans without having to worry about fees and charges. Furthermore, MoneyMutual has opened its doors even to those with bad or poor credit reports, which makes it even more attractive.

    What Is Special About MoneyMutual?

    With over ten years of experience, the company has become extremely popular. The company anticipated that automation would cause the economy to suffer. Even so, they also saw how much more people needed their services as a result of advances in artificial intelligence and pandemics.

    More than 2 million customers have been served by the company within a short span of time. Their reputation is that they provide short-term loans quickly and at a reasonable rate, making users very happy.

    They have strict policies to follow so that their loans are not abused, which makes MoneyMutual an excellent company to work with. This alliance protects both borrowers and short-term lenders from scams. Their righteous services will be trusted by everyone – much like what your local banks already do.

    Loan Offerings by MoneyMutual

    People can access a wide range of short-term loan providers who offer several types of loans through this platform. You may not find the loans ideal in terms of interest rates or that they satisfy your specific requirements. Nevertheless, everyone will find something that fits them, and it’s important to read the offers carefully and find out if you want to sign a contract or move on to other offers.

    Here are the top services and loan offers by MoneyMutual:

    Payday Loans

    In the short-term loan market, payday loans are very common. MoneyMutual also offers payday loans. These loans are designed to offer borrowers a short-term cash boost to enable them to survive until payday. You can use a standard payday loan to pay off your bills or buy groceries before your next payday.

    The interest rate on payday lending might be less expensive than if you allow your bill to accrue late fees or another loan rack up interest. MoneyMutual requires that you repay the loans on your next “payday” if you apply for loans through them and that you register for their network on a particular date. Following your approval, the lending company will withdraw a payment from your bank account on the day you get paid by the payday loan company you borrowed the money from.

    In contrast, although payday loans may be cheaper in one way, they are extremely expensive and charge extremely high interest rates compared to other loan types. Many payday loan companies charge a fee depending on the amount of money you borrow. Be cautious about taking out loans like this, as they might be expensive, so ensure you will have the money to pay them back the next day. Also, some of the loan’s terms and conditions may obligate you to make some interest payments based on the loan’s due date.

    Installment Loans

    In addition to installment loans, MoneyMutual also offers a network of potential lenders that offers installment loans. If you want to repay these types of loans, you should agree on how many payments you will make. Those who possess discipline are well suited for them, and people who want to avoid the higher fees and high-interest rates of payday loans will find them ideal.

    An installment loan must be handled very carefully when considering and accepting it. What’s the reason? In some cases, based on a loan’s terminology, such as the terms and conditions, you may be required to make some interest payments.

    Bad Credit Loans

    There is no difference between the Bad Credit Loans and the previous loans except that they qualify just like the previous ones. There are lower eligibility requirements for bad credit loans, but the rates can be higher, making them more suitable for people with a poor credit score. As a result, MoneyMutual offers this service to people who have bad credit scores. Getting those funds is easy because multiple lenders don’t just consider your credit report when deciding the loan’s worth.

    The lender will examine your income proof as well as any financial information such as previous loan history or debt. If your finances are in order, then you can borrow money to fix your car, buy something important, or settle the late fees you would otherwise incur.

    People can connect with bad credit loan lenders through MoneyMutual, one of the best platforms out there. In recent years, demand for bad credit loans has increased, allowing this network to assist many people who are actually in dire need of financial help.

    Cash Advances

    They also offer cash advances. These are loans where you borrow money against your future earnings or against the value of your assets. This type of loan is often used to cover unexpected expenses, such as car repairs, medical bills, or rent payments.

    When you take out a cash advance, the lender typically requires that you put up some collateral – such as your vehicle, furniture, or other belongings – in order to ensure that you will actually repay the loan. Because cash advances are risky loans, lenders generally charge high-interest rates, which can quickly add up if you don’t pay back the loan on time.

    If you’re considering taking out a cash advance, be sure to carefully consider the risks involved and weigh them against the potential benefits. Then, decide whether or not a cash advance is right for you.

    How does the MoneyMutual work?

    In order to find short-term loans from local lenders, MoneyMutual provides an excellent alternative to contacting dozens of lenders one by one. It can be faster and more convenient than searching through dozens of lenders. If you are applying for a loan for the first time, you may find it overwhelming to apply to over 60 lenders.

    Through the official MoneyMutual website, users can apply for a loan by simply filling out a form, which will be sent directly to all 60 short-term lending companies. Applications can be submitted in just a few minutes. It is as simple as filling out a few fields, hitting submit, and waiting to be contacted by the lenders for that particular transaction.

    Depending on your credit score, the annual percentage rate you’ll pay for your loan can vary. For example, a person with a low credit score may get a loan with 5% interest; however, this may mean higher fees since there is no standard range like 24-24%. Before making a commitment to any loan agreement, consider both sides.

    Read the terms and conditions carefully before signing up. Using their site comes with certain loan terms, so if those terms don’t fit your preferences, you should avoid them.

    Often, microloans are the first step to more substantial debt. You can receive money from this company, but if you require additional financial assistance, they might not have what’s right for you – it depends on your specific circumstances. There could be a misconception that this service is free since the lending companies are being compensated for their time. You are, however, paying them in advance.

    Eligibility Criteria For MoneyMutual

    If you wish to obtain MoneyMutual loans, you must meet some criteria. However, lenders have additional requirements specific to their service that cannot become the only rule they follow! In general, if one meets all the requirements on www.moneymutual.com, chances of receiving offers are likely since we usually meet two out of three conditions required by the company.

    Typically, you need to provide documentation that proves your source of income and regular earnings are legitimate in order to qualify for a loan. The lender can also send money into your checking account since you have an active bank account – this way, there is no risk of funds being stolen or lost.

    Loans are not available to people with incomes less than $800 per month. Regardless of what type of finances you have (a regular job, retirement plans, or social security checks), you must specify them to qualify.

    MoneyMutual requires you to provide all necessary information before offering you a loan. This includes:

    • Your social security number
    • Full bank routing number and account number
    • Information about your current employer and any other employers or institutions that provide income that may be used as collateral against future loans
    • Debts from outside the company

    Any other information we may need to fully understand the level of risk involved in providing this type of financial service


    • Applicant must be 18 years old
    • He/she be a US citizen and permanent resident
    • Must have a regular source of monthly income
    • He/she must have a valid checking account

    You have a high chance of receiving loan offers from several companies in the network if you meet these conditions. You need the account because payday lenders, as well as cash advance companies, must deposit your funds promptly so the lender can withdraw their funds on payday.

    Is MoneyMutual’s Lending Network able to provide funds quickly?

    Immediately after submitting the loan application, MoneyMutual searches its lender network for lenders in order to begin the loan approval process. It’s possible that this process will be postponed, but don’t be alarmed if you’re able to speak with a lender within minutes.

    There is a specific loan for each individual, and before you receive an offer, you will have both the lender’s algorithms and human eyes review it. It will likely take you a few days to receive the offer. It isn’t a problem for the customers of MoneyMutual or the borrowers.

    If you receive loan offers, you are given a chance to select and compare the offers. Our goal is not to surprise you with interest rates or fees later on. You should read the terms and conditions before applying.

    You can expect your lender to fund your account within 24 hours of accepting the loan or at least one business day after that. The funds are available for you to use immediately, which is a great thing for you. It is especially useful to those who desperately need the funds. Many people enjoy doing business with MoneyMutual because of this.

    What is the maximum loan amount you can borrow from MoneyMutual?

    The factor is determined by a variety of circumstances. In most cases, the amount depends on the loan that is being applied for. MoneyMutual provides you with access to more than 60 lenders and offers numerous options. Payday loans and bad credit loans are their most popular services.

    A short-term loan or a payday loan can be capped in some states because of the laws. For instance, the regulations of your state may not allow you to obtain more than $1000 for a given payday loan.

    Nevertheless, this service advertises loans up to $5000, which is a very generous upper credit limit. Moreover, they offer smaller loans ranging from $100 to $500, which are very common and widely sought after.


    The fees and costs associated with MoneyMutual

    There are no fees associated with MoneyMutual, and it makes money by charging small fees to borrowers and lenders.

    Considering how many indirect costs there are, it doesn’t seem like you will save much money. It is common for lenders to assess fees based on what amount of the loan is taken out, which can sometimes add up to 15 percent or more to the total amount. As an example, let’s say we charged 15%. To have them do their job, we would need to spend another 150 dollars- not very convenient since most people like everything done quickly and without any hassle.

    Obviously, you will end up paying a lot in interest and additional fees. When deciding whether this loan is right for you, it is critical to see the APR, or annual percentage rate, for each factor (interest rate, lender fees, and broker revenue).

    Interest Rates and Annual Percentage Rate (APR)

    You need to make sure the interest rate on a personal loan matches your budget. It depends on your credit score, good (or bad!) If your credit score is favorable, interest rates can range from 15% to 25%!

    MoneyMutual reports that the average interest rates for their lenders’ bad credit and payday loans hover near 200% and 1300%

    It is important to note, however, that the percentage of online lenders who can increase your interest rate is capped. You might be surprised by how much an online lender can increase your rate.

    Compared to the interest rate, the APR is higher. The fee for this service is usually over 6 percent, depending on the lender and the MoneyMutual fee. It can, however, be as low as 3 percent. In addition to the principal, administrative costs will significantly slow down the repayment process. Divide the total amount by the number of months in a year. Now, include the Future Value percentage into account when calculating daily principles over the year. The following stages have different appreciation rates.

    In general, payday loans with a 15% fee have an annual percentage rate of about 400%. This rate is higher than those charged by credit cards, and some states impose it at 20 percent.

    How do MoneyMutual Loans differ from other loan platforms?

    Here are a few of the reasons which make MoneyMutual unique and better than other short term lenders:

    Easy To Follow Process

    In terms of bad credit or payday loans, MoneyMutual makes the approval process easier than it has ever been. MoneyMutual compares different lenders and finds the best one. With a single form, MoneyMutual compares the loans offered by companies with your circumstances. Then, you can make a decision about which loan to take.

    Highly Secure Platform

    The loan approval process is straightforward and takes only a few minutes through an easy-to-use website. You can rest assured knowing that the entire website is secure and confidential, so neither your personal information nor your bank account is at risk.

    No Additional Cost

    MoneyMutual’s biggest benefit is that we don’t need to pay any additional fees, which is fantastic for people with poor credit scores who have difficulty affording to spend money, particularly if you will not feel cheated or manipulated, even if they are taking advantage of you.

    Learn a lot

    MoneyMutual provides a lot of information about loans and how things work, which can be helpful if you are unaware of everything. The site is packed with information about the types of loans, as well as tips for avoiding predatory loans or fees that trap users in higher debt.

    Less Time Taking

    The platform’s strongest feature is its speed. Taking a loan the traditional way will involve lots of time spent going from place to place, and you will not receive all the services you need. The traditional loan application process is more complex, and there are more financial factors to consider. Using this platform, you can receive funding in less than 24 hours. There’s only one thing taking a few days: approval, but users say they don’t mind.

    Frequently Asked Questions About MoneyMutual

    Is MoneyMutual a bad credit loan scam?

    There is nothing fraudulent about this platform as this is not a get-rich money scheme. The fact that it offers many useful services and is free to use does not mean that it is a scam. People may be confused by its generous offers, but that’s what this network is all about: to help those in need of funds. In case of any confusion, you can also check with a certified financial advisor,

    Nevertheless, remember that MoneyMutual isn’t a lending institution, which means they aren’t granting you a loan. The main purpose of their service is to match you with lenders who will take your application into consideration and, based on their needs, will make the loan decision. It is basically an intermediary.

    Does MoneyMutual require soft credit checks?

    While they do not conduct these types of checks, you must keep an eye on the lenders you deal with. The company will check your credit score with one of the three big credit bureaus: Experian, Equifax, and TransUnion.

    Some lenders will only require a soft credit check, while others will need a hard credit check. You will get a loan offer based on what they prefer. A soft credit check will not have an effect on a credit score, but a hard one will.

    Is MoneyMutual Secure?

    Many people have expressed their gratitude for using MoneyMutual and have recommended the website to others. Over 60 lenders are listed on the service, so you can be sure it is legit and safe. In other words, it is a proven method for getting a loan. The website is also a member of the Online Lenders Alliance, so it is assured that any lender that joins this network is industry-certified and does not offer predatory loans.

    Final Words

    In light of what we have read through the MoneyMutual reviews, the experiences of the clients, and all the services this platform offers, you should be able to find any type of loan you need. Loan applications have never been simpler. It only takes a few steps to get a short-term cash infusion with MoneyMutual.

    As we have reached the end of this article, it has also occurred to us that many people are seeking extra funds these days. The global pandemic has left many around the world, as well as in the US, without jobs. Borrowing money was the only option for them.

    The fact that MoneyMutual provided and secured funds to many people made it possible for them to gain access to funds. By using this platform, they were able to find suitable lenders with loan offers that suit their needs.

    To learn more about MoneyMutual, be sure to visit the official website by clicking here! >>>

    RELATED: Best Bad Credit Loans: Ranking the Top Low Credit Lenders That Work

    Affiliate Disclosure:

    The links contained in this product review may result in a small commission if you opt to purchase the product recommended at no additional cost to you. This goes towards supporting our research and editorial team. Please know we only recommend high-quality products.


    Please understand that any advice or guidelines revealed here are not even remotely substitutes for sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Make sure to consult with a professional physician or financial consultant before making any purchasing decision if you use medications or have concerns following the review details shared above. Individual results may vary and are not guaranteed as the statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The efficacy of these products has not been confirmed by FDA, or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any kind of get-rich money scheme. Reviewer is not responsible for pricing inaccuracies. Check product sales page for final prices.

    Affiliate Disclosure:

    The links contained in this product review may result in a small commission if you opt to purchase the product recommended at no additional cost to you. This goes towards supporting our research and editorial team. Please know we only recommend high-quality products.


    Please understand that any advice or guidelines revealed here are not even remotely substitutes for sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Make sure to consult with a professional physician or financial consultant before making any purchasing decision if you use medications or have concerns following the review details shared above. Individual results may vary and are not guaranteed as the statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The efficacy of these products has not been confirmed by FDA, or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any kind of get-rich money scheme. Reviewer is not responsible for pricing inaccuracies. Check product sales page for final prices.

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    Best Bad Credit Loans: Top Trusted Personal Loan Lenders for Bad Credit Approval?

    Isn’t the thought of getting rejected for a loan because of bad credit, absence of credit history, or a combination of both exhausting? Bad credit is simply a low credit score, reflecting a high risk to lenders. Specific qualification metrics are used to classify individuals accordingly, but fortunately, it isn’t the end of the world. Many bad credit lenders are willing to provide support. However, individuals need to proceed with caution, as the list of conditions may be extensive. What might these entail? Our editorial team decided to do the heavy lifting and arrived at what we believe are top services that bring bad credit lenders and borrowers for 2022.

    Ultimately, this guide intends to reveal our top picks and elaborate on the process that led us to them. Moreover, individuals must acknowledge the possible pros and cons of choosing a bad credit lender while being fully equipped with the fundamental nature of these loans. Without any further delay, here are our top picks:

    The Top 9 Bad Credit Lenders in 2022

    After narrowing down the hundreds of services out there, we were most comfortable with the following handful:

    • Bad Credit Loans
    • CashUSA
    • LendYou
    • MoneyMutual
    • Next Day Personal Loan
    • Payzonno
    • PersonalLoans
    • PickALender
    • Upgrade Personal Loans

    Bad Credit Loans

    • Website: Bad Credit Loans
    • Loan Amount (Annual % Rate): Up to $10,000 (5.99% to 35.99%)

    Bad Credit Loans aim to offer a free service through which a lender and borrower can meet. The former will then present their loan offer without any obligation to accept it. Besides bad credit, this service also offers credit cards, lines of credit, business loans, student loans, auto loans, home loans, and mortgage loans.

    Individuals are likely to be drawn to the educational articles covering topics like when to take a loan out, how to spend responsibly, budget future income to repay loans, etc. This is something we encourage everyone to browse through before proceeding. As for what the process entails, the preliminary step is an application. A lender might respond with a loan offer based on the information provided (i.e., age, proof of citizenship, income status, SSB, checking accounts under the correct name, etc.). Things must be respected and abided by their terms.

    When one decides to accept an offer, the agreement is depicted via e-signature, and the funds are anticipated to be deposited to one’s chequing account within one business day. Nonetheless, the availability timeframe will depend on the lender’s deposit process. In addition to being 100% free, Bad Credit Loans is liked for its simple application process, privacy and security, and massive network.


    • Website: CashUSA
    • Loan Amount (Annual % Rate): $500 to $10,000 (5.99% to 35.99%)

    CashUSA utilizes its extensive network of lenders and other third-party networks to review applications and connect the right lender to borrowers. A 100% free service with no shortage of business advertising options for cash loans, going with CashUSA naturally implies diversity in offers. This service’s application process is swift since individuals are only asked the basic requirements.

    In our minds, CashUSA and Bad Credit Loans’ business model is identical, yet the differences lie primarily in the resources presented and the types of loans. We felt that the way information was shown on the CashUSA website was slightly more straightforward, which might be meaningful to some over others. Likewise, the team at Bad Credit Loans focuses on different types of loans, which is more likely to capture a bigger target market.


    • Website: LendYou
    • Loan Amount (Annual % Rate): $1,000 to $2,500 (4.99% to 450%)

    LendYou wants to support borrowers in whatever way they possibly can. Whether it means auto repairs, medical bills, or recouping short-term funds, this team ensures cash advance and personal loans are made available as quickly as possible. Unlike the previously listed platforms, LendYou’s range is narrower, but they are flexible from their looks. The first step is to complete an online application. Then, one of their lender partners will make an offer, and once accepted, the funds can be accessed within 24 hours.


    • Website: MoneyMutual
    • Loan Amount (Annual % Rate): $100 to $5,000 (Not available)

    MoneyMutual is a free resource on our list to provide potential borrowers the chance to link with potential lenders. Like every other team, this team does not get involved in the negotiation processes. Yet, they believe that creating such a platform can help 4 in 10 Americans who need emergency assistance (i.e., unexpected bills, medical bills, groceries, gas and other essentials, car repairs, and special occasions). We feel individuals should use MoneyMutual to their full advantage as their resources are informative and provide a clear perspective on what people will be signing up for. The process is three-fold; application, lender review and offer, and finally, accessing the funds.

    Next Day Personal Loan


    Next Day Personal Loan aims to join lenders and borrowers together. Once the application has been reviewed and an offer prepared, their role comprises redirecting borrowers to their lenders. Discussions on the loan terms, amount, APR, and repayment schedules are privately discussed among the parties involved. It would have been nice to have a feel for what the range for the annual percentage rates might look like, but it may not matter because each lender is different. The services in this guide are comparable, with differences resting in the specifics of the basic requirements. We mean that the definition of employment, for instance, might vary from one lender to the next. Likewise, some lenders might expect a decent credit history, while others disregard it altogether.


    • Website: Payzonno
    • Loan Amount (Annual % Rate): $100 to $5,000 (Not available)

    Next up, we have Payzonno, a free service where the borrowers completed application is the only requirement. The range on the loan amount is narrower than some of the other services, but the idea is the same: connect with a lender, sort out the specifics of the loan and come up with a reasonable repayment schedule. Once everything has been agreed upon, it is as simple as sealing the deal and waiting a business day for the funds to be reflected in one’s respective account. The income requirement in Payzonno’s ask is a bit higher, i.e., $1,000 per month after tax, along with proof that the borrower has been employed at the present job for at least three months.


    • Website: PersonalLoans
    • Loan Amount (Annual % Rate): $1,000 to $35,000 (5.99% to 35.99%)

    PersonalLoans qualified for this guide not only because they are free and associate borrowers and lenders but also because they are thorough in their explanations and transparent about their processes. For instance, individuals will find an example of what the APR might look like on loans that are 2, 3, 4, or even six years down the line on different loan amounts, the number of payments to be made, what a monthly payment might look like and many more.

    It’s these extra steps that help to differentiate a company that merely wants to establish a relationship between lenders and borrowers and one that genuinely wants to make a positive difference in one’s financial hiccups. Their FAQ section covers the basics, and when in doubt, a deeper conversation can be held with the team, or individuals can scavenge through their resources. Additionally, this platform is more flexible in the types of loans offered. They aren’t restricting consumers to bad credit or personal loans, but even funds for special occasions.

    Whether everyone will have access to everything is determined solely based on one’s application, but in general, they don’t only focus on a homogeneous financial background. There’s something on here for everyone: the feeling we got as we browsed through their website.


    • Website: PickALender
    • Loan Amount (Annual % Rate): $100 to $40,000 (Not available)

    Whether individuals need debt or credit card consolidation or others related to travel, home improvement, and auto, PickALender is allegedly here to build appropriate connections. As repetitive as this may be, this service’s application process is quick. This team takes pride in their nationwide marketplace of lenders and lending partners, fast delivery, data security, and willingness to consider all credits; low, high, and anything in between. Remember that they must be within PickALender’s coverage area for people to access a lender. This is something to discuss with customer service before proceeding.


    • Website: Upgrade
    • Loan Amount (Annual % Rate): Up to $50,000 (8.99% to 29.99%)

    Lastly, we have Upgrade Personal Loans, which is by far the only platform that avows up to $50,000 in loans. Their APR range is also more reasonable, making it an affordable option for individuals. One can apply and possibly discuss with a possible lender within a few steps. Usually, the lender comes up with a proposal offer, and the borrower reviews and assesses the documentation before proceeding. Another facet that drew us to this platform is its clean presentation and hassle-free nature, ultimately facilitating borrowing processes.

    The Process of Elimination: How We Finalized Our Top Contenders

    From all the guides we’ve created thus far, this one felt straightforward. Usually, we start by developing a ranking system where at least one listed factor must hold for it to carry some degree of value. The more boxes checked off, the better, but since we are dealing with financial and confidential information, the top contenders had to satisfy everything listed below:


    Transparency is a must-have because it reflects the company’s procedures, details on their goods and services, third-party involvement, and what individuals can expect throughout it all. In this case, each company should have disclosed their contact information, the privacy policy, whether submitted applications will be used for other purposes or accessed by third parties, and background on the lenders.

    Data Security

    Data security is also a given because the listed services pertain to customer assets and identity. Since everything is handled online, companies must prove that essential measures have been established to support data security and protection against the risk of identity theft. This is especially important considering that the application process delves into personal information that can cause damage if stolen. One measure that might comfort individuals is 256-bit encryption, deemed the most secure method after 128- and 192-bit encryptions. 256-bit encryption remains the most employed to date.

    Loan Amount

    Our editorial team was equally interested in the loan amount range when reviewing lender and borrower platforms. While any amount might be helpful for those seeking bad credit loans, each situation is unique. If a significantly large amount is needed, the chance to discuss the possibility should be granted. Thus, anywhere between $100 and up to $50,000 was sought.

    Application Process & Approval Rate

    The purpose of seeking solutions online is to speed up processes. If the application process is lengthy, people might feel discouraged. Upon reviewing the questions asked, we were relieved with our picks because they’ve simplified the application and asked direct and close-ended questions that can be completed in under 5 minutes. The same goes for approval; borrowers will hear from a probable lender within 24 to 48 hours of applying. This is ideal because it gives the borrower a chance to figure out the next steps.

    Access to Deposit

    Regarding deposits, we were interested in services that assured access to funds within 24 hours, and this appears to be the case with all nine contenders. There may be slight delays depending on the amount, the lender, and the financial institution where individuals hold their bank account, but these are unlikely.

    Flexible Terms & Upfront Disclosure

    Although bad credit loans can be perceived as a luxury, it might be easier for said individuals to have flexible terms. We were particularly interested in the annual percentage rates and loan requests. The former will vary individually, but understanding what the minimum and maximum rates might entail can permit one to assess affordability. Likewise, we are pleased to report that our top picks prioritize “no obligation loan requests.” In other words, when a lender makes an offer, individuals can review it and still turn it down if they feel it doesn’t suit their needs.

    Educational Resources

    In all nine cases, individuals can read into the additional resources to fully understand what the company is about and what borrowers expect. Some of our picks go into more details than others, so we encourage everyone to navigate definitions, processes, and established policies. Having foundational knowledge before walking into a discussion will expedite the decision-making process.

    The Steps to Getting a Bad Credit Loan

    As with any loan, there is a process to consider. While there might be marginal differences, most companies look for very similar things. On that note, individuals need to understand that the lender-borrower relationship is a 2-way street. Therefore, as much as it is essential to study the lender’s details, one’s details will need examining as well. Nevertheless, here is a brief on the general idea behind getting a bad credit loan:

    Step 1: Review Your Credit Score

    A credit score is a three-digit number that represents one’s likelihood to pay bills in a timely fashion [1]. Typically ranging between 300 and 850, this score is calculated by factoring in credit reports, including payment history, existing debt, and credit history. Most of all, it is used to determine how risky a borrower might be to a lender. The higher the score, the more willing the lender will be lax in credit terms and applicable rates. In the case of bad credit loans, the scores are typically below fair, so borrowers need to prepare for higher rates. For people who are curious to see where they lie on the scale, here’s an idea presented by Equifax:

    • 300 to 579: Poor
    • 580 to 669: Fair
    • 670 to 739: Good
    • 740 to 799: Very Good
    • 800 to 850: Excellent

    Step 2: Read into Bad Credit Lenders

    As mentioned earlier, a bad credit lender is a lender who is willing to provide a loan to borrowers with sub-par credit scores (below fair). Traditional lenders usually see such borrowers as high-risk, preventing them from making an offer, but individuals need not fear their credit score with a bad credit lender. Actionable steps to improve said scores can be taken while still accessing funds.

    There are certain facets that lenders like to review [2]. The first one is the credit score, to see what one can afford as a loan. By requesting a credit report from one of the credit bureaus, bad credit lenders will get a sense of how finances are being handled and whether any importance has been placed on improving the credit score over a certain period. Next, we have an employment history. In place of the credit score, bad credit lenders put more weight on current employment (i.e., full-time, part-time, permanent, contract, self-employed, etc.).

    The monthly net income is also reviewed. This facet answers questions: Is the net income enough to cover basic needs and bills? or does the borrower make enough to fulfill the repayment schedule? If there are other debt obligations, and the income earned doesn’t meet the mark, a bad loan lender might increase the interest rate due to high risk. Finally, comes a borrower’s assets, including money in bank accounts, investments, and other financial supports.

    Step 3: Gather the Essentials for the Application

    Fortunately, with our top picks, the essentials for the application are straightforward. For a bad credit lender, the most critical pieces of information are the desired loan amount, full name, date of birth (must be at least 18 to qualify), Social Security Number (SSN), employment status, monthly net income with income sources, frequency of pays, whether one has access to a checking account and direct deposit, complete address, etc.

    Step 4: Submit the Application

    Once individuals gather the fundamentals, it is as simple as completing the online application and awaiting a response. Individuals don’t have to lose hope because of a poor credit score. However, this doesn’t mean that one will always get the rates they prefer because, for a lender, making an offer in the first place is risky business. The annual percentage rate is likely lower if other requirements are passed with flying colors.

    Top 3 Types of Bad Credit Loans

    If we had to recommend the top three types of bad credit loans, we would go with credit union loans, joint personal loans, and home equity loans. Below is a quick overview of each type:

    Credit Union Loans

    Credit Unions offer similar financial products and services as banks, but the former is member-owned, cooperative institutions [3]. In other words, when a loan is approved at a credit union, the funds are provided by other members’ savings. Their non-profit status promotes higher interest on a savings account than a bank. To access said funds, one must become a member, where eligibility requirements vary from group to group. The National Credit Union Locator can locate a nearby credit union [4].

    Joint Personal/Co-Signed Loans

    Joint personal loans are when individuals with poor credit combine their credit history and income with another person’s information to qualify for a lower rate or a higher amount [5]. To put things into context, two people are responsible for the repayment. When co-signing is involved, this implies having someone in good standing vouch for the borrower and take responsibility in the event of a missed payment. It is risky for the signer because they will be contacted if things go south. Still, it is equally frightening for the borrower because such an agreement can easily jeopardize one’s relationship should something go wrong.

    Home Equity Loans

    Lastly, we have the home equity loan [6], where one’s home serves as the collateral for the loan. This makes a borrower less of a financial risk to the lender, yet conditions exist. For an individual to be an attractive borrower, they must have paid a decent percentage of their homes. Ideally, the more equity one has, the better the rates on bad credit loans. There are two types to play with. The first entails borrowing a lump sum of money and repaying it in regular installments (at a fixed interest rate) for an extended period. The second, called the Home Equity Line of Credit (HELOC), is where the lender sets aside an amount that individuals can borrow as needed. Bear in mind that the lender can choose to charge adjusted interest rates because of flexibility, offer interest-only payments, and have 5 to 10 years where funds can be accessed.

    Frequently Asked Questions About Bad Credit Lenders

    Q: What is a bad credit loan?

    A: A bad credit loan is an amount of money offered to borrowers with credit scores below 575. These are often subjected to higher interest rates; however, when handled properly, it provides a borrower the opportunity to reclaim their credit score.

    Q: How old do I have to be to qualify for a bad credit loan?

    A: You must be at least 18 years old to apply for a bad credit loan.

    Q: Can I get a bad credit loan with poor credit?

    A: Yes, a credit score is the last factor that a bad credit lender will assess. In its place, lenders will review employment, assets, credit history, and effort to reverse a poor credit score.

    Q: What is a credit score?

    A: A credit score is a number that depicts a borrower’s risk to lenders. Namely, it suggests the likelihood of a borrower making repayments in a timely fashion.

    Q: What influences a credit score?

    A: Payment history, debt, credit history, utilization types, new history, derogatory marks, the average age of credit, and total accounts.

    Q: Is there a restriction on what the bad credit loan can be used for?

    A: No, there are usually no restrictions on how a bad credit loan can be spent. Questions may be asked depending on the lender, but this is merely to assess a borrower’s ability to repay the funds.

    Q: What does APR stand for?

    A: APR stands for annual percentage rate, and it determines the yearly cost of a loan to a borrower, including fees. Like the interest rate, the APR is also expressed as a percentage, ranging between 5% and over 100%.

    Q: What might a personal loan APR look like by credit score?

    A: Irrespective of the type of loan, the APR will decrease as the credit score increases.

    Q: What interest rates can I expect with a bad credit loan?

    A: The interest rates on bad credit loans will vary based on one’s credit score and the lender.

    Q: What are the terms like for bad credit loans?

    A: Once again, it depends on the type of loan, the lender, the offer they present. This loan is often given over a short-term, but, depending on several criteria, the lender may choose to extend the duration over the years.

    Q: What happens if a repayment is missed or delayed?

    A: A missed or delayed payment will seriously affect a credit score and risk lender and borrower relations.

    Q: Are online platforms genuinely safe?

    A: Not all online platforms are made with the right intentions, but our top contenders have enforced measures that guarantee security and data protection.

    Q: Is there a cap on the maximum amount I can get for a bad credit loan?

    A: So far, we’ve seen platforms that are willing to offer up to $50,000. The cap on the maximum amount will be determined on a case-by-case basis.

    Q: Does unemployment influence the decision for bad credit loans?

    A: Yes, but it might be more challenging to secure, not to forget the expected interest, which is likely higher than usual.

    Q: What steps should one take to increase credit scores?

    A: The first steps entail catching up on past-due accounts and ensuring that future payments are not missed. A secondary action might entail limiting the number of new accounts opened and increasing your credit limit (should you feel ready and more responsible).

    Q: How does a credit monitoring service work?

    A: A credit monitoring service records one’s credit information daily and sends an alert anytime a change needs to be brought to the borrower’s attention. They are a means of protecting oneself against potential fraud while making sure progress is made in one’s creditworthiness.

    Q: What is the difference between payday and installment loans?

    A: A payday loan is an installment loan with shorter terms, higher interest rates, and rarely conducted credit checks [7].

    Q: Does self-employment negatively impact the application process?

    A: No, self-employment will not negatively impact the application process, as long as the income made is adequately documented.

    Q: Do social security, pension, disability, and other kinds of benefits qualify as income?

    A: It depends on the lender, but in the majority of the cases, SSN, pension, disability, and other kinds of benefits qualify as income.

    Q: Are bad credit loans regulated?

    A: Yes, bad credit loans are federally regulated in the U.S.

    Q: Do bad credit loans require security or collateral?

    A: No, bad credit loans do not require security or collateral.

    Q: Where can I submit my application?

    A: Refer to our top contenders for connecting with lenders. We hope that everyone will do their due diligence before applying.

    The Top 9 Bad Credit Lenders in 2022 Final Verdict

    Ultimately, people with poor credit scores are not doomed for the rest of their lives. Society has long played a role in instilling such a fear, but even those with poor credit can manage to 1) recover from it and 2) secure loans through bad credit lenders. Of course, it is not all sunshine and rainbows because the lender will have to decide whether the amount requested is reasonable and if the borrower can keep their end of the bargain. Also, bear in mind that there will be more fees and higher interest rates, but it beats having access to nothing. Moving forward, individuals interested in applying for bad credit loans must prepare themselves for any unforeseeable question from the potential lender, and this means being transparent and fully aware of one’s finances. Try a top bad credit lender above today!

    RELATED: Best Credit Repair Services (Top Company Reviews)

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    The links contained in this product review may result in a small commission if you opt to purchase the product recommended at no additional cost to you. This goes towards supporting our research and editorial team. Please know we only recommend high-quality products.


    Please understand that any advice or guidelines revealed here are not even remotely substitutes for sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Make sure to consult with a professional physician or financial consultant before making any purchasing decision if you use medications or have concerns following the review details shared above. Individual results may vary and are not guaranteed as the statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The efficacy of these products has not been confirmed by FDA, or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any kind of get-rich money scheme. Reviewer is not responsible for pricing inaccuracies. Check product sales page for final prices.

    The news and editorial staff of Sound Publishing, Inc. had no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

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    Best Bad Credit Loans (May Updated) Low Credit Personal Payday Loan Providers

    Bad credit shouldn’t stand in the way of having access to cash when you need it most. Bad credit lenders are companies that still grant loans to eligible users, even if they have a low to zero credit score.

    The good news is that there are hundreds of legitimate “bad credit” companies where you can still get a loan paid to your bank account even if your financial situation has been difficult or your credit score is low. Whether you have an average, poor, or no credit score, the companies we’ve featured on this list specialize in providing legitimate, instant loans within 24 hours or less.

    Because of the high-risk associated with online loan applications and the many scams users might be confronted with, we made sure to verify each of the companies on our list. All the featured companies you will see in this article are legitimate lenders, verified and registered with the necessary credit authorities.

    Need cash in a hurry? Had a sudden emergency that only credit straight to your bank account will fix? You don’t always have to approach friends or family for cash first, even if you have a bad credit score. These credit companies will still give credit to those with a low or no score, and you can get a low-risk loan from them with no issues as long as you are sure you will be able to pay it back under their terms.

    Have a look at our list of the best bad credit lenders to use in 2022. We have put together a comprehensive, clear list of the different reputable bad credit companies out there, how they work and what you can get for your application if you are approved for a loan. We’ll also go over some of the essential things you have to know about loans and credit scores before applying for credit.

    The Best Bad Credit Lenders in 2022

    From MoneyMutual to Upgrade Personal Loans, all of the companies we have featured in this article are reliable and registered credit providers – and they are more likely to give out loans to eligible users even if they have a low to no credit score.

    We hate scams and loan sharks just as much as anyone: that’s why we have created this list of reputable credit providers who can get you access to cash in a hurry without risking identity theft or getting knee-capped in a parking lot.

    Here’s a run-through of the different credit companies and how much cash you can get from them before we tell you more about each one:

    • MoneyMutual: Up to $5,000
    • BadCreditLoans: Up to $10,000
    • PickALender: Up to $40,000
    • CashUSA: Up to $10,000
    • PersonalLoans: Up to $35,000
    • LendYou: Up to $2,500
    • Next Day Personal Loan: Up to $40,000
    • Upgrade Personal Loans: Up to $25,000
    • Payzonno: Up to $5,000


    MoneyMutual is a reputable lending company that claims to have had more than 2 million thriving customers who have gotten their loans through the site. All the necessary registration info is displayed on the bottom of the site to show they are registered with the required financial authorities.

    MoneyMutual can provide an instant loan of up to $5,000. If you qualify, the amount you’ve requested can be deposited into your bank account within 24 hours. That’s quick, guaranteed cash access to you, even if you have bad credit.

    The platform connects lenders to borrowers, and instead of the traditional route, this is a form of peer-to-peer lending that cuts all the interaction out of the mix and just goes straight to loan approval.

    There’s no need to discuss your financial situation or the reason for your loan: just fill in your basic information and the amount you think you will need to borrow. You’ll know if you qualify within minutes.

    What’s excellent about MoneyMutual is that they charge far lower fees than most banks when you pay back the loan, and all loan applications are free.



    BadCreditLoans is a reputable and registered lending company that focuses on lending to people with zero or no credit scores.

    They are a popular option for anyone who might find themselves in an emergency with bad credit, and you can get between $500 to $10,000 if your application is approved regardless of your credit score when you apply.

    Basic details (including your name and required loan amount) are asked right on the first page. With just your zip code, social security number, and date of birth, you can immediately know if you qualify for a loan with BadCreditLoans – and how much they will offer to give you.

    BadCreditLoans is a peer-to-peer lending site, and the website connects sellers with lenders behind the scenes. When you pay your loan back, you pay BadCreditLoans, and they pay the third party without any worries to you.

    Applications and approvals are instant, with approved loans being paid into your bank account within 24 hours.



    PickALender is not a typical instant or pay-day loans provider. Instead, it uses its reliable database of other third-party lenders that match up with the type of loan you have applied for if you qualify for it.

    If you qualify after the quick application process on their home page, you can get $100 to $35,000 and up from PickALender. They do not discriminate against anyone who has a bad credit score, and they are one of the most likely companies to put you in touch with the right third-party lender.

    With your basic information, PickALender searches through its database of national lenders to find you a personal match that gives you the cash you need at the interest rate you can afford to pay back.

    Applications are free, and they are also highly customizable to suit your needs at the time of your loan.



    CashUSA is another credit listing company that isn’t a credit provider themselves but instead connects you with anonymous, individual loan offers that match up with the criteria you’ve asked for.

    The site is similar to PickALender, and will usually still approve you for a loan even if you have a bad credit score at the time of your application. CashUSA can get you a personal loan of up to $10,000 payable through the site without dealing with third parties.

    CashUSA applications can connect you with individual loan offers with a simple three-step application that asks for a few personal details. It’s much like a peer-to-peer credit platform, but without all of the added hard work of going through different listings to find someone who will send you cash.

    There’s no need to put your financial situation out in the open for people to judge, but a simple online process only relies on your personal information.

    If you qualify and the offer is approved, you should receive the money in your account on the next business day. CashUSA has made getting a bad credit loan that easy!



    PersonalLoans is a reputable credit provider that grants you instant loans between $1,000 to $35,000 if you qualify according to their terms. With just a couple of personal details, you’ll find out if you are eligible for one of their loan providers within just a few minutes – and it takes no effort whatsoever!

    Once approved, the credit amount gets paid into your bank account within 24 hours. Spend it as you like to cover your financial emergency: there’s no need to provide a reason for your loan to PersonalLoans, and they cannot discriminate based on your current credit score at the time of application.

    Loans are paid back to PersonalLoans in installments, though take a close look at the available terms once your loan says it has been approved. Interest rates can be high, and while there are no added costs associated with the loan, you will always repay more than the initial amount borrowed with most lenders.



    LendYou is a loans provider that you can access through their app or just straight through their website with an easy online loan application process.

    When it comes to credit, they are known to work for you even if you have bad or no credit – and you can get up to $2,500 in instant loans that are paid to your bank account within 24 hours of your application’s approval.

    The basics of the application take just minutes to complete, and all they ask from you to see if you qualify is a couple of essential bits of data like your name, zip code, and social security number. Fill in the amount you think you’ll need, and you’ll know almost immediately if you qualify.

    The final application terms are customizable. You will likely be able to pay your loan back in installments that fit your pocket more than the same amount borrowed from anywhere else (including most banks).

    If your application is successful (and most applications are), then available money could be waiting in your bank account by the next day.

    Next Day Personal Loan


    Next Day Personal Loan is a simple, easy-to-use credit provider with a quick credit check and a three-step loan application that begins with some basic info about yourself, your income, and your immediate financial needs.

    Loan offers of $100 to $40,000 are available through Next Day Personal Loans if you qualify. Money is deposited in your bank account within 24 to 48 hours – or usually the very next day, just like the name says.

    Repayment options are realistic, and you will be able to find a repayment installment that fits your pocket even if your financial situation is in dire straits when you apply for credit.

    Applications are free, easy, and done right on their home page.

    Upgrade Personal Loans


    Upgrade Personal Loans is a reliable loan provider with added benefits, which you can take advantage of in the form of cash-backs and site credits for positive repayments. Applications are approved in under 5 minutes with just some basic information about yourself and what you would like to get from the credit provider.

    Loans of between $500 to $25,000 are approved through Upgrade Personal Loans if you quality. The money is usually available in your bank account within 24 hours of a successful application, so it’s a great website to visit if you need emergency cash fast.

    Be careful, though: loans through Upgrade Personal Loans can come with extremely high-interest rates when you borrow on the higher end of their scale.

    While the cash is paid to you in one business day, think carefully about what your financial future will be like with the added responsibility of their terms. If you borrow more significant amounts, make sure that you have the money working for you – not against you.



    Payzonno is a straightforward website that makes getting a loan effortless, with a free loan application process that asks the user the most essential and basic information to start. Just select your zip code and the estimated loan amount you might need to begin the process.

    Within minutes, Payzonno will tell you if you qualify for a loan with them – and how much they are willing to extend to you. Once approved, you are taken straight to the acceptance of payment terms. With all loan providers, read this carefully and ensure that you can handle their repayment terms when the time to pay comes by.

    With Payzonno, a successful application is possible even if you have a bad credit score, and you can get available amounts of up to $5,000 paid straight to your bank account if you are approved.

    How We Ranked The Best Bad Credit Lenders

    We know how hard getting credit can be, especially if you have a bad or low credit score when you apply for them. Most banks and financial providers won’t give you the laces of their shoes on loan with a bad credit score, but luckily there are alternatives like these companies out there who can still provide cash when you need it.

    Have you been rejected for most traditional loans but still need the cash? Our team has gone through hundreds of different credit companies, financial institutions, and loan providers to seek out only the best and most reliable credit providers. We found registered, trustworthy lenders who can get you the cash you need with reasonable terms.

    Don’t fall for scams, and don’t go to loan sharks! Here’s how our team made sure this article contains only the best credit companies who can still help you with a low or no credit score:

    Application Ease

    Applications have to be easy and take just a few minutes to complete. We believe that getting credit should never have to mean jumping through hundreds of hoops like a show dolphin – and you should never have to humiliate or expose yourself with the need to explain your monetary situation when you need credit.

    The first important thing our team looked at was application ease. All the companies you’ll see written about here have an easy, quick application process for when you need a loan.

    Company Reputation

    We have chosen only reliable and reputable companies for this list to make sure that we can help you avoid scams, traps, and loan sharks that hide all across the internet. When you entrust your financial future with a company, its reputation matters; if a lender doesn’t have a good reputation going for them in the loan business, we’ve skipped them and included a better option.

    Client Reviews

    Few things travel as fast as word-of-mouth on the internet, except maybe something launched by SpaceX. Client reviews are one more thing we took into account to create this list of reliable bad credit lending companies.

    If too many previous customers had bad experiences with a specific lender, we chose not to include them in this article and went straight to only the best. Only lenders with verifiable, positive reviews were selected for this article.

    Certified Legal Lenders

    Credit providers must be registered as certified legal lenders, or they are almost certainly just harvesting your data or running a scam. All the credit providers we have featured in this article are reputable, certified, and registered credit companies – and they display all the necessary information right on their website for everyone to see.

    If you look closely, you’ll notice that many credit companies will display the same info. Still, it will be unverifiable through an actual financial authority: that’s how you separate the scams from the genuine companies. That’s precisely what we’ve done here.

    Available Credit Amount

    Different credit providers each have different available loan amounts that you can apply to borrow. Some lenders will only give out loans of up to a few hundred dollars, while others can approve applications for quantities of up to $40,000 at a time.

    We have considered the credit amounts available to you when making this list of great, reliable “bad credit” lenders. Keep in mind that some lending companies will only give you access to a lower amount for the first time, and you might be able to borrow more after you have repaid the first loan.

    Low/No Credit

    We believe that credit shouldn’t be kept away from people who have been through rough financial times. After all, most emergencies and sudden situations will require money to fix in the first place.

    All of the credit companies we included on this list will still give loans to people even if they have a low or no credit score, at least in most cases. As long as you can accept their payment terms and pay back the loan, you should have no problem getting approved regardless of your credit score at the time.

    Deposit Time

    We have considered the time each credit company will take to deposit funds into your account if your loan gets approved. Most companies on this list take approximately 24 to 48 hours to deposit the agreed funds: we know that nobody likes to wait for the money to show up when you are already in the middle of an emergency!

    While some companies can hold approved loans for days at a time, we have focused only on the pay-day and instant loan providers who can come up with the cash after approval fast.

    Interest Rate

    Most of the companies on this list charge low-interest rates on the final amount you will pay back once your loan has been sent. We have given all the high-interest, high-risk companies a miss for this article so that you can find only companies whose repayment terms you can undoubtedly afford.

    When you already have to borrow money in the first place, a high-interest rate can just make your end situation and responsibility worse. Thus, the low interest-rate companies we have focused on for this list.

    Added Fees

    Most instant loan companies and lenders we have featured here will add nominal fees to the final repayment amount, usually as an “initiating fee.”

    While you are not required to have this money up-front to get a loan, you will almost certainly be required to pay this money back with the rest of your loan – in installments. Always expect added fees, and read terms and conditions to see what these added fees (and final repayment amount) will be to avoid nasty credit surprises in your near future.

    Terms & Conditions

    The terms and conditions of any lender have to be fair, precise, and easy to understand. We have also considered the terms of each lending company – and if they seemed too complex or we couldn’t make sense of them ourselves, our team gave the company a skip to find a better alternative to list. Nobody should have to struggle to understand what they just agreed to in print.

    Why Get Instant, Pay-Day, or “Bad Credit” Loans?

    Instant, pay-day, or “bad credit” loans are recommended if you have any situation that means you need cash in a hurry, but only recommended in instances where you are just assured you will be able to pay the money back. While instant, pay-day, and “bad credit” loans have some risks associated with them, this is far outweighed by the benefit of being able to get credit even with a bad or no credit score to show.

    Here are some of the top reasons why instant, pay-day, or bad credit loans are a recommended option when you need money fast:

    Cash, But Quickly

    The average personal loan through the bank could take days or weeks if you are approved for the loan with bad credit at all. Most “bad credit” and instant loans are available with cash in your bank account within 24 to 48 hours of being approved for the loan. There’s no need to wait days for access to your money!

    Credit Regardless

    “Bad credit” loans are called this because they will still grant a credit line to someone who has a low to zero credit score. Low credit scores can happen because of many things, and not all of them reflect your overall level of financial responsibility – some people have just never made credit and thus have no credit score yet! Even with a low or no credit score, these credit providers will give you credit regardless of your score when you apply.

    Lower Interest Rates

    While this is not true for all of them, a select few instant loans and “bad credit” loan providers will charge much lower overall interest rates (by the percentage) than if you had borrowed the same amount from your bank. Banks are not always the best place to go when you need cash!

    Fewer Risk Loans

    The risk of a low-interest, instant loan means that you face less financial risk – and often, get access to better repayment terms due to which loan provider you choose. Many pay-day, instant, and “bad credit” lenders are less risky than the exact amount you borrow from your bank (even though banks like you to believe the opposite).

    Tailor-Made Loans

    Loan terms are highly customizable in the case of most pay-day and instant loans. Once you have been approved, you can usually choose your loan amount – and from there, how long you would like to borrow the money for. The combination brings you a tailor-made loan that you can pay back on your terms. Most banks don’t offer you terms this good – or as affordable.

    Credit Score Impact

    Instant and payday loans can positively impact your current credit score when they get paid back. Loan repayment is a plus for your credit score – and most instant loans are easier to pay back, thanks to lower interest rates and higher amounts available to you, the customer.

    What Causes Bad Credit?

    A low credit score doesn’t always happen strictly due to poor paying but might occur due to circumstances far outside your control. Post-pandemic, an emerging amount of people are walking out with bad credit scores – even though they had been faithful in their financial responsibilities before hard times hit.

    What causes you to have bad credit? Here are some of the things that most credit providers consider when they calculate your credit score:

    • The Amounts You Owe: How many loans do you have juggling in the air right now, and what’s the total amount of credit you have to your name right now?
    • The Loans You Have: The number of loans you have will have an inevitable impact on your credit score, with too many irresponsible or unpaid loans dragging your credit score down to the ground.
    • The Types of Credit: Car payments, mortgages, personal loans, and instant loans are all different types of credit that you could have – or might not be able to get. Other types of credit are ranked in different ways, from store cards to car payments.
    • The Payment Dates: If you are a faithful payer of loans, expect your credit score to increase. For every missed or late payment, your credit score might take a negative knock. Early repayment of an instant loan is one way to help your credit score go right back up.
    • Successful Loan Payments: Credit providers care just how much credit you have had to your name up until that point in time, and they look at your entire history of previous loans when they calculate your score. Successful loan payments, especially early or full ones, will count in your favor.

    What’s a Bad Credit Score?

    Okay, so we’ve gotten to throw the word “bad credit” around all over this article – but here’s more about exactly what a credit score is and what number you should aim for. Credit checks can be requested through various credit bureaus, and you can request one yourself without having to wait for a loan application to be rejected first.

    Scores below approximately 600 are considered bad credit, and you might have difficulty getting a successful loan application – unless you lend from specific companies that don’t consider your score at all. Scores over 800 are regarded as outstanding credit, but don’t worry about it: most people never score this high!

    If you come in under 600, it might be more challenging to get a loan for you than for everyone else with a higher score. Worry not; that’s precisely what some of the loan companies on this list are all about.

    Need a Loan NOW?

    Most situations that require money are also the type of situations that will need the funds to show up fast. We’ve all had at least one emergency like this before in our lives, where something goes wrong or breaks – and the results are enough to eat straight through what you thought you had in terms of budget.

    Need a loan NOW? Here are four ways in which you can get a reliable loan, usually even if your credit score is lower than a healthy one:

    • Online Instant Loans: Online instant loans are some of the ones we have described in this article. These loans carry low-interest rates and low repayments but potentially high returns in terms of what you can borrow even with low credit.
    • Pay-Day Loans: Pay-day loans are still a form of instant loan, but with beefier terms than your average loan. Pay-day loans must be paid back within approximately a month, and they are known for charging higher interest than your average loan.
    • Equity Loans: If you have assets but not disposable cash, sometimes equity loans are possible through select loan providers. Equity loans can carry a considerable risk in some cases but might also lead to a higher possible loan amount (and thus, more cash) in other cases.
    • Friends and Family: Friends and family might not be what you want to read, but sometimes this can be the fastest way to fix your financial situation. Before signing yourself into any loan contract with a credit provider, consider any other ways you might have to make sense of your financial situation.

    NEVER consider a loan shark or illegal lender when there are legitimate and legal options to get bad credit loans even with no credit score. “Loan sharks” are unlawful and charge excessively high-interest rates when they have no legal authority to do it. They are also unfortunately notorious for their erm, collection methods. Avoid them at ALL costs.

    The Costs of Bad Credit Loans

    The cost of bad credit loans is what you have to consider if you apply for one. The total costs of your loan, any initiation fees, added costs, and repayments per month or week should be shown as part of the terms and conditions of your loan – and this means that, yes, you should always read through them!

    Interest rates of bad credit loans are higher than some other lending firms. Expect to see some companies charge as little as 5% interest, though others might charge up to 30% interest or more.

    How Much Can a Bad Credit Loan Get?

    It will depend on several things, including your credit score and previous payment history. With some credit websites, first-time lenders are given access to a lower loan amount. If you pay this back, the possible amount they can offer you next time might go up.

    The average bad credit loan can get you between $300 and $5,000 in cash within just hours of your application. Some credit providers on this list can hike the available amount you can apply for to as high as $40,000 – that’s fine, as long as you are sure you will be able to pay it back!

    How to Apply for Bad Credit Loans

    Bad credit loans are easy to get, and most of the applications can be filled in with just a few minutes worth of your time. If you would like to apply for a loan, here’s how to get started:

    Check Your Credit Score

    The first step is to check your credit score, especially if you have been refused for previous credit applications. Most credit providers and loan companies on this list will automatically run your score when you apply but don’t always give you the number results when they are done.

    Check your credit score through a third-party credit bureau if you want to have the details about your credit score that the companies do!

    Check Your Options

    We have included some of the best websites for bad credit applications on this list, and we have verified each one to make sure you only see great legal lenders. Before you apply for a loan, visit several websites and consider the individual payment terms of each one.

    Do the Math

    Check the terms of your potential loan, and count up the numbers. Can you pay back the loan within the duration they give you? Can the loan fix the financial problems that you might have right now – or does it just buy you some time so that you can find another way? Always do the math before getting your loan application filled in.

    Add Your Info

    Step four is to add your information. Usually, this is something you can do on the home page of most credit companies – and with a slider that tells you how much it could let you borrow if you are approved, compared to the time you will have to borrow it for.


    The last step to approval is to click apply. If your loan is approved, you could receive an answer within minutes – and the money should be making its way to your account within 24 to 48 hours. Instant, pay-day, and bad credit loans are that easy to get.

    STILL Can’t Get Credit? Try These Alternative Options

    If you still can’t get credit despite your best attempts and several applications, don’t give up on your quest for cash just yet. If you need quick, emergency money, there are other alternatives – and it’s not always what you think! Try these alternatives options before you consider any desperate measures if you STILL can’t get credit:

    The Cash Advance App

    Cash advance apps are simple apps that function like an overdraft facility through your bank. Small cash advances are available when you fall short, usually payable in installments when you know you’ll have the money again. It’s not as much as a loan but might still work out to cover minor emergencies and payments when you have bad credit.

    Personal Loans

    Personal loans aren’t instant, and they might take months or years to pay back. But their terms can be flexible, and some companies will still give out personal loans to you even if you have bad credit at the time of your application.

    Peer-to-Peer Lending Websites

    Peer-to-peer lending websites connect people who need credit with companies or individuals who can provide it. The website usually acts as a simple third-party, and your loan gets paid back straight to the site – they pay the provider from their end so that you don’t have to worry about the administration side of things.

    FAQs About Bad Credit Loans

    Still in the dark about credit, credit scores, and how instant loans work? Here’s a comprehensive FAQ that will walk you through everything you’ve ever wanted to know about credit, how to get it and how it works from there.

    Q: Can I still get a loan even if I have bad credit?

    A: Thousand times, yes! Financial responsibility is about more than just a poor credit score versus a good one, and some credit companies are willing to make an exception to still grant credit to those with lower scores.

    Q: What type of loans should I apply for with a bad credit score?

    A: If you have a low to no credit score rating, you can still apply for most of the loan options we have given you in this article. Bad credit lenders specialize in providing credit to people with bad credit scores because they know they will make their money back when you pay!

    Q: What counts as a “bad” credit score?

    A: According to most international credit authorities, a “bad” credit score is anything under 600 points.

    Q: Can I get rejected for bad credit?

    A: Yes, but the point of lending companies like the ones in this article is that you won’t get rejected just for having bad credit every time you try. Bad credit lenders are specifically for people with low or no credit scores, and they are far more likely to approve your loan application.

    Q: How long do I have to wait for money?

    A: If you are approved for a loan, some companies can have the money transferred to your bank account in just a few minutes. Others might take longer, and you could wait up to 24 hours to see money after your application has been successful.

    Q: Can I get large loans with a bad credit score?

    A: Yes, though this depends on which company you ask. Getting a loan is never a matter of your credit score alone but relies heavily on the loan provider you will choose. Select companies can approve loans of as much as $10,000 or more.

    Q: Why will bad credit loan companies still give out money?

    A: “Bad credit” loans seem almost like they will cause financial ruin for the lenders who provide them, but they don’t. These loans still work for the companies who give them to clients thanks to added fees and higher interest rates. Even if YOU have poor credit, the company still makes more than their share back when they get their repayments.

    Q: Can I get a bad credit loan if I am self-employed?

    A: Yes, although they might ask for supporting documents to show the flow of income to the accounts you have. Provide them with bank statements from your business accounts where possible, or contact the loan provider to find out what they need from you as a self-employed lender.

    Q: Can I get a bad credit loan if I am unemployed?

    A: Sometimes, yes. Proof of income documents don’t have to be salary statements but can sometimes also be proof of your benefits or other sources of income that you might have.

    Q: Do I need to have cash in my account for a bad credit loan?

    A: No. Fees are included in the final loan and repayment amounts, and an “initiation fee” is usually added to the amount you pay back – but you don’t need it to apply. While you will eventually be required to pay these fees, and it will likely total higher than the amount you can borrow from the company, you do not need to have any cash to apply for a bad credit loan.

    Q: What happens if I miss a payment?

    A: If you miss one payment due to circumstances, the right thing to do is to inform the company – and then to fix the problem as soon as you can. How you can pay your loans back will affect your credit score. Missing one payment happens, and it’s usually no big deal, but if you miss several, you could be held liable by the company or charged heightened interest rates and penalty fees.

    Q: What happens if I pay my loan back early?

    A: Good things for your credit score! If you manage to pay your loan back in partial or full payments before the terms say, it usually allows your credit score to be bumped up by a few numbers.

    Q: What documents will be necessary to get a loan?

    A: Every loan provider is different, but you can count on each one of them asking you for more or less the same information every time. Loan providers request basic information about yourself (like your name, address, and postcode), your proof of income, identification details, and bank account confirmation so that they know where to pay the amount if you are approved.

    Q: Are some instant loan companies a scam or fraud?

    A: Some of them can be, which is why we have only focused on lenders and credit companies with a standing reputation and the necessary registration details verifiable on their website. All the companies we have featured check out as legitimate credit providers.

    Q: Are instant, pay-day, or bad credit loans safe?

    A: Yes, as long as you apply for the loan through a legitimate company and secure web portal. Usually, it’s loan sharks that are considered dangerous – and you had best try to avoid those!


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    America loves buy now, pay later lending. But do these plans come with a catch? : Planet Money : NPR




    This is the story of how Amelia Schmarzo fell into a kind of rabbit hole – one that involved a lot of online shopping. But the story isn’t about the stuff she bought as much as the new way she found to pay for that stuff. It starts a couple years ago, in the spring of 2020, when Amelia found herself, like so many of us, locked down at home, bored, scared, going a little stir-crazy.

    AMELIA SCHMARZO: I was like, who am I? Like, what is going on? Like, oh, my gosh, did I hit a midlife crisis at the age of 20? I was like, I need to find new passions that I can – new hobbies to keep myself busy.


    So Amelia’s a junior in college. She’s living in an apartment in San Diego. And she started doing these at-home exercise videos that were made by influencers she saw on social media.


    UNIDENTIFIED INFLUENCER #1: Good morning, everyone, and welcome back to my channel. In today’s video…

    UNIDENTIFIED INFLUENCER #2: We have three-pound, 10-pound and 20-pound weights.

    UNIDENTIFIED INFLUENCER #3: I, like, swear, these are what makes your butt grow.

    SCHMARZO: And then I found influencers who follow these influencers, and so that is how I kind of got into the realm of getting influenced by influencers.

    HOROWITZ-GHAZI: That’s how you fell under the influence.

    SCHMARZO: Absolutely.

    HOROWITZ-GHAZI: Amelia says the lives of these trendy jet-setting zoomers just felt so glamorous.

    WASHINGTON: And she’s like, maybe if I get the right clothes and accessories, maybe my life could be more like that. I mean, we’ve all been there.

    SCHMARZO: They look pretty. They look confident. I want those words – people to describe me as that.

    HOROWITZ-GHAZI: A lot of the influencers Amelia is following are constantly showing off their new outfits.


    UNIDENTIFIED INFLUENCER #4: …Back to my channel. Today, I have a summer clothing haul for you guys, and I’ve been…

    HOROWITZ-GHAZI: Then, there’ll be a link to the websites where you can buy exactly what they’re wearing. And in one of these videos, Amelia sees the bikini.

    SCHMARZO: Oh, yeah. It was literally, like, a white and brown tie-dye bikini.

    WASHINGTON: It doesn’t sound that special. But to Amelia, it felt like the first step to reinventing herself. So she clicked the link.

    SCHMARZO: The price was somewhere around $200 for the bikini.

    HOROWITZ-GHAZI: And had you ever spent that kind of money on a piece of clothing before?

    SCHMARZO: No, not even close.

    HOROWITZ-GHAZI: But then, Amelia notices an offer in small type just below the total – four interest-free payments of $41.99 with Afterpay.

    SCHMARZO: It just felt so cheap. You know, I was like, that is so affordable, $41.99. And if I sat there and I genuinely was like, $41.99 times four, I probably wouldn’t have bought it.


    SCHMARZO: But I was like, oh, I’m easily going to get $41 next month. Like, that’s nothing to worry about.

    HOROWITZ-GHAZI: So suddenly, the most expensive garment you’ve kind of considered buying feels like it’s actually a bit of a bargain?

    SCHMARZO: It really does.

    HOROWITZ-GHAZI: You’re like, I just lucked into a kind of a steal.

    SCHMARZO: I’m like, wow, I’m paying $41 for a $200 bikini. Like, I am a genius.

    HOROWITZ-GHAZI: This was Amelia’s first experience with a kind of payment called buy now, pay later. After an extremely cursory credit check – the kind that won’t affect her credit score – she’s approved, clicks the purchase button. The company, Afterpay, charges her card for the first installment.

    WASHINGTON: They accept credit or debit. She chooses credit.

    HOROWITZ-GHAZI: And the bikini is on its way. The process was that simple. And so a few days later, when she sees another influencer showing off something else she liked…


    UNIDENTIFIED INFLUENCER #5: So I guess we’ll start off with my most favorite pair of sneaker that I own.

    WASHINGTON: Amelia clicks the link, and again, she sees that buy now, pay later option.

    SCHMARZO: It literally made the price like – I kid you not – like, $8. So in that mindset, I was like, oh, my gosh, I can afford the world. And so I – that’s why I threw in that swimsuit, and I threw in the jacket and the jeans and…


    SCHMARZO: Yeah, right? I’m like, put them all in the cart.


    SCHMARZO: And my total was literally, like, $20.

    HOROWITZ-GHAZI: So how does this pick up? Like, is it over the next, like, couple weeks? Is it months?

    SCHMARZO: I would say days, to be honest.


    HOROWITZ-GHAZI: Before she knows it, Amelia has fallen into a kind of shopping spiral.

    SCHMARZO: I got, like, a whole bunch of, like, really nice jeans from Aritzia…

    HOROWITZ-GHAZI: She got fancy sweatpants, sweatshirts…

    SCHMARZO: …Sweats, because sweat sets were super in – right? – because you weren’t leaving the house. So I got…

    HOROWITZ-GHAZI: …A bunch of new shoes…

    SCHMARZO: …Brand-new high heels, Jordans, Yeezys.


    SCHMARZO: Buying stuff online was the only thing that really gave me that, like, adrenaline – you know what I mean? – when it came in the mail because there was nothing else going on. It was so exciting. It felt like Christmas.

    HOROWITZ-GHAZI: Amelia says all of the packages arriving on her doorstep felt kind of like gifts, like some mysterious stranger was footing the bill for everything on her list just out of the goodness of their corporate heart.

    SCHMARZO: I’m not going to lie – it felt free. Like, it literally felt like free money because I didn’t see it. It wasn’t cash. I don’t know, it just felt like it was never going to catch up. It just all felt like Monopoly money.

    HOROWITZ-GHAZI: So you’re, like, watching “Tiger King,” mashing that…

    SCHMARZO: Yeah.

    HOROWITZ-GHAZI: …That buy now, pay later button.

    SCHMARZO: (Laughter) Yeah. Life was good (laughter).

    HOROWITZ-GHAZI: What was the first sign that trouble might be brewing?

    SCHMARZO: I didn’t think about it literally until I got an email from Discovery saying, your statement is ready to be viewed.

    WASHINGTON: One thing to know about Amelia – before she started using buy now, pay later, she was pretty allergic to using her credit card at all. It was one her dad helped set up for essentials and emergencies, and her statement had only ever been a few hundred dollars at the very most. But this time…

    SCHMARZO: I saw that it was $2,000, which was my limit.


    SCHMARZO: And then I saw my debit card went from $700 to, like, $20.


    SCHMARZO: And that’s when I was like, I am going to throw up. Like, how did this happen?

    HOROWITZ-GHAZI: Hello, and welcome to PLANET MONEY. I’m Alexi Horowitz-Ghazi.

    WASHINGTON: And I’m Taylor Washington.

    HOROWITZ-GHAZI: At its most basic, a loan is a way to get money now in return for a little bit extra…

    WASHINGTON: Or a lot.

    HOROWITZ-GHAZI: …When you pay it back down the road. That’s been true as far back as – I don’t know – ancient Babylon. But all of a sudden, over the past couple years, there’s been an explosion of new companies offering what is essentially free money – a no-interest loan.

    WASHINGTON: Today on the show, what exactly is buy now, pay later, how it works, and why it seems to be everywhere – and should we be worried?


    HOROWITZ-GHAZI: OK. So Taylor Washington, you are a producer here on the show.


    HOROWITZ-GHAZI: And you first brought up buy now, pay later in one of our editorial meetings a while back.

    WASHINGTON: Yeah, so I heard about it a while ago because all of a sudden, I saw a ton of people my age – you know, fellow zoomers were using it.


    WASHINGTON: And they were going on these crazy shopping sprees all over TikTok. A lot of people were jumping in headfirst, just like Amelia, and so it seemed like something we should look into.

    HOROWITZ-GHAZI: Right, OK. And we will get back to Amelia’s story in a bit. But Taylor, what I remember from when you first pitched this was that a lot of us kind of knew what you were talking about – like, we’d seen these buy now, pay later options online – but nobody really understood, like, how it actually works.

    WASHINGTON: Yeah, so people started talking about payday loans or rent-to-own or layaway because with layaway, you also pay in installments, but you don’t get the thing until it’s paid off.

    TERRI BRADFORD: Yeah. That’s what buy now, pay later feels like – good old-fashioned layaway.

    HOROWITZ-GHAZI: This is Terri Bradford. She’s a payments expert at the Kansas City Fed. And a couple years ago, she and her colleague, Julian…

    JULIAN ALCAZAR: Julian Alcazar – I also work at the Federal Reserve Bank of Kansas City.

    HOROWITZ-GHAZI: They teamed up to start looking into buy now, pay later.

    How would you kind of describe your dynamic as a duo? Are you more of like a Batman and Robin-style thing? Are you like Sherlock Holmes and Dr. Watson, like…

    BRADFORD: You know what? I would say we’re Woodward and Bernstein. How about that?

    HOROWITZ-GHAZI: Ooh, yeah. Those are terms that we can understand.

    OK. So when our financial Woodward and Bernstein started looking into buy now, pay later a couple years ago, the business model was still a bit of a mystery to them. But one thing was clear.

    ALCAZAR: It’s credit by another name.

    BRADFORD: That’s what it is, yeah. So it’s not unlike, I guess, buying a car or buying a house. The difference is, you aren’t paying interest, you know?

    HOROWITZ-GHAZI: Yeah, yeah.

    BRADFORD: It almost is, like, too good to be true.

    HOROWITZ-GHAZI: Too good to be true because here’s what most buy now, pay later companies are offering. They’re saying as long as you are able to clear a pretty low bar, like a soft credit check that won’t show up on your credit score, they will spot you the money for whatever you’re buying. You agreed to pay them back in four installments.

    WASHINGTON: They collect the money from whatever bank account or debit or credit card you want, and those payments are all interest free.

    HOROWITZ-GHAZI: Which raises a pretty big question – if most customers are not paying any interest…

    BRADFORD: How are you making money on this? Interest-free loans – where’s the value proposition in that?


    BRADFORD: So where was the money coming from, right?

    WASHINGTON: Right. Where was the money coming from? Lending money is usually a big moneymaker because of some combination of interest and fees.

    HOROWITZ-GHAZI: But when Terri and Julian peeked under the hood of the business model, not only are the companies not charging interest, the fees generally aren’t super high, either. So for customers, as long as they don’t buy more than they can afford – which is obviously a big if – these loans can be a great deal – basically, the cheapest money you can get.

    ALCAZAR: I was always expecting this gotcha moment.


    ALCAZAR: And it wasn’t coming around. So I was very – it’s like, where’s the surprise? I was – you know, when you watch a scary movie, and you could hear the suspenseful music, and then there’s…

    HOROWITZ-GHAZI: Oh, yeah.

    ALCAZAR: …Michael Myers behind the door? That’s what I was expecting.

    HOROWITZ-GHAZI: The gotcha moment was not what they expected. Instead of making money by gouging their customers with hidden fees, it turned out buy now, pay later companies were taking their cut from the other side of the transaction – from the businesses actually selling the goods.

    ALCAZAR: So it goes between 4 and as high as 9 1/2%…


    ALCAZAR: …Is what merchants are paying buy now, pay later firms.

    WASHINGTON: Credit card companies usually charge merchants anywhere from 2 to 4%. So buy now, pay later companies are often asking for a way bigger cut.

    HOROWITZ-GHAZI: So I just want to break this down clearly. They’re saying, we’re going to charge you around double of what credit cards charge per item that you sell using our payment service.

    BRADFORD: Yeah, it doesn’t quite seem to jive, does it?

    HOROWITZ-GHAZI: What makes it jive is that credit card charges are widely variable, depending on whether it’s a MasterCard or an Amex or a Visa and whether there are rewards. It makes things harder to predict. Also, credit cards come with these pesky consumer protections that put businesses on the hook if customers complain.

    BRADFORD: So if something goes wrong and the product that they bought broke or it didn’t perform to their satisfaction, they have the right to request a chargeback. And so the merchant could have that whole amount that they’d received withdrawn by the credit card company because the customer said the product was no good for them.

    HOROWITZ-GHAZI: Right. So if you’ve ever asked your credit card company for a refund because the thing you bought turned out to be junk, that’s what she’s talking about. That can be a big pain for businesses.

    WASHINGTON: But the biggest reason that businesses are signing up for buy now, pay later is that it’s helping them sell more stuff – for example, by bringing in a new pool of customers.

    HOROWITZ-GHAZI: Because what Terri and Julian saw as they dug through pitch decks and advertisements and influencer videos was that, at first, buy now, pay later companies were targeting a pretty specific demographic. They wanted to offer small loans at the point of sale to reach people who don’t usually buy on credit.

    WASHINGTON: Which is actually a lot of people – for example, people who don’t have much of a credit history, people who have bad credit or people like Amelia, who grew up during and after the financial crisis and are more reluctant to use credit cards at all.

    HOROWITZ-GHAZI: All of those people might not have bought anything without buy now, pay later. So not only are businesses getting new customers, but many of those customers are young. As they get older, they’ll likely earn more money, and they might come back and spend it.

    WASHINGTON: On top of that, Julian says buy now, pay later helps retailers with the problem they call cart abandonment.

    HOROWITZ-GHAZI: Which will be familiar to almost anyone who’s shopped online.

    ALCAZAR: Most consumers will put items in their virtual shopping cart, and then when it comes time to check out, they’ll be like, I don’t need to spend $200. And so what buy now, pay later does – it actually reduces cart abandonment because it makes large purchases seem smaller to the consumer.

    WASHINGTON: Remember Amelia and her Monopoly money? The lower price tag can lead people to buy more than they would have otherwise.

    HOROWITZ-GHAZI: Now, buy now, pay later has been growing in the U.S. since at least 2015. But it reached critical mass at the perfect moment, just as the pandemic set in. All of a sudden, online retail exploded. And, Terri says, so did the number of buy now, pay later services.

    BRADFORD: It was Afterpay and Affirm and Klarna and Sezzle and Zip. Like, how many of these things are there?


    BRADFORD: And you were also hearing about the partnerships that they were beginning to form with large merchants, like Amazon, for example, and Target. And it was kind of like, OK; wait a minute. What is happening? And they’re popping up absolutely everywhere.

    WASHINGTON: Buy now, pay later was no longer this niche thing mostly targeting young people allergic to credit by partnering with trendy brands. It was the new form of payment for all kinds of purchases.

    ALCAZAR: One thing that I found is that there’s a buy now, pay later firm for just about anything, from small business to medium-size business financing to auto repair to helping you remodel your home in four easy payments to even health care.


    ALCAZAR: This might be TMI, but I had to get my wisdom teeth taken out. And my dentist can take my wisdom teeth out using buy now, pay later.


    ALCAZAR: And that was wild. That’s where was I like, this is a little much.

    HOROWITZ-GHAZI: And talk about Deep Throat.


    ALCAZAR: Ha.

    BRADFORD: There you go. We’ve looped back around.


    HOROWITZ-GHAZI: So when our investigators take a step back, here is what they see. Buy now, pay later is finding its way into more and more corners of the economy. It can be a pretty good deal for customers. And it looks pretty good for businesses. But you know who is not totally thrilled, besides Amelia, of course?

    WASHINGTON: Credit card companies and some of the big banks behind them.

    HOROWITZ-GHAZI: What they’ve been doing to fight back after the break.


    HOROWITZ-GHAZI: Loans are basically the oldest financial technology in the book. But since the 1960s, when you think about how people pay with credit for everyday things, you usually think about credit cards. So you can imagine how threatening this explosion of buy now, pay later was to stodgy old banks and credit card companies.

    ALCAZAR: There was one report that showed that banks lost between $8 billion and $10 billion in revenue to buy now, pay later offerings.


    WASHINGTON: Because as buy now, pay later grew more popular, a lot of people started using it instead of credit cards, which means a lot less transaction fees and interest payments for the credit card companies and the banks behind them. And those banks – they obviously weren’t going to stand for it.

    BRADFORD: Financial institutions don’t generally just sit back and let things happen to them.

    HOROWITZ-GHAZI: And so the banks and credit card companies are trying to fend off this horde of new competitors. At least one bank, Capital One, is refusing to let their credit cards be used for most buy now, pay later purchases. But for the most part, banks and credit card companies are getting in on the action. They’re acquiring buy now, pay later companies outright or rolling out their own services that look a lot like buy now, pay later. And this is why it is now possible to buy your plane ticket to go get your wisdom teeth removed…

    WASHINGTON: While wearing your new Yeezys.

    ALCAZAR: …And pay for it all later. And the way the system is currently set up, a lot of that spending does not get reported to the credit bureaus.

    WASHINGTON: Which brings us to the part of buy now, pay later that got Amelia into trouble. Every time she chose to pay later, she was taking out a little loan for the sneakers or the sundress or whatever. But the company giving her that little loan had no idea how many other little loans she had already taken out from other buy now, pay later companies.

    HOROWITZ-GHAZI: And this is where people like Terri and Julian and now the federal government see the greatest potential danger.

    ALCAZAR: One of the things that really set off the alarms was the opportunity for overextension from the consumer because when compared to a traditional credit card or even personal loan, they will check if you have good or no credit…


    ALCAZAR: …Or if you have outstanding loans. Buy now, pay later firms had no idea how many buy now, pay later products a consumer was using. So the opportunity to stack – it was fairly easy.

    HOROWITZ-GHAZI: The same thing happened with credit cards when they first came on the scene in the 1960s. This new kind of credit became available to more and more people. And it was so different from what was possible before, so unregulated, that there were a lot of Amelias – a lot of people who got in over their heads, spent more than they can afford.

    WASHINGTON: That’s part of why back in the ’70s Congress passed sweeping consumer credit laws. And right now it seems to be buy now, pay later’s turn. Like, last fall, the House Financial Services Committee held a hearing looking into the promise and potential pitfalls of buy now, pay later.

    HOROWITZ-GHAZI: For example, how buy now, pay later interacts with the existing credit reporting system – because part of the promise of buy now, pay later is the fact that it makes cheap credit available to people who, for one reason or another, can’t get it otherwise.

    WASHINGTON: But those same people mostly can improve their credit scores by using it because right now credit bureaus usually only find out about your short-term buy now, pay later loans if you don’t pay them and they go to collections, which means, at the moment, using buy now, pay later is more likely to hurt your credit score than help it.

    HOROWITZ-GHAZI: As of December, the Consumer Financial Protection Bureau, the CFPB, is doing its own inquiry. They’re figuring out how buy now, pay later companies fit into existing credit regulations, what kinds of data are being harvested and how it’s being used. And, of course, they are mapping out the risks they may present to the people who use them.

    WASHINGTON: People like Amelia.

    SCHMARZO: You know when you’re just in a state of panic? Like, you just have so many things on your mind. I was pacing. I was sweating. I was crying. So I was like, that’s it. I have to call my dad.

    HOROWITZ-GHAZI: The last we heard from her, Amelia had just discovered that she’d maxed out her credit card and almost emptied her checking account after around a month of buying now and paying later. She did manage to get her dad on the phone.

    Did he play the dad card? Was he like, I’m not mad; I’m just disappointed?

    SCHMARZO: Oh, no, no. He was mad.

    HOROWITZ-GHAZI: (Laughter).

    SCHMARZO: He was like, I am mad. This is…

    WASHINGTON: She got a whole lecture.

    HOROWITZ-GHAZI: He was like, Amelia, that’s very dangerous. Installment payments are extremely dangerous. Like, this affects your future. He’s like, you’re not paying $10. You’re paying $40.

    WASHINGTON: He did not bail her out. Amelia had to pay off all that spending by herself.

    HOROWITZ-GHAZI: And how did the conversation end? Like, what did you agree on?

    SCHMARZO: Just to stop using it, pay off what I had to pay off and don’t continue using it. Like, if you really want some that’s expensive, you’re going to take that money out of your savings and pay for it right then and there. You had to wait for your next paycheck. Like, I think I was like – what? – 20 at the time – 19 or 20. And he was like, you don’t – you shouldn’t be able to afford all this right now. And you clearly can’t. So pay off what you have to do, and don’t put anything else on it.

    HOROWITZ-GHAZI: And how long did it take before you bought now and paid later again?

    SCHMARZO: Like, two weeks.

    HOROWITZ-GHAZI: (Laughter).

    SCHMARZO: I didn’t learn.

    HOROWITZ-GHAZI: Amelia says it took her a little while to dial back the habit but that she has managed to slow down. She buys now a lot less than she used to because she’s learned that later can last a pretty long time.


    HOROWITZ-GHAZI: Do you have economic questions about something happening in your life? Send us an email about it – [email protected] We’re also on TikTok, Instagram, Facebook – @planetmoney.

    WASHINGTON: Today’s episode was produced by Emma Peaslee, engineered by Josh Newell and edited by Molly Messick. Alex Goldmark is our executive producer.

    HOROWITZ-GHAZI: Special thanks to Ginger Schmeltzer, Briana Lagrone (ph), Josh Lauer, Louis Hyman, Scott Talbott and Lauren Saunders. I’m Alexi Horowitz-Ghazi.

    WASHINGTON: And I’m Taylor Washington. This is NPR. Thanks for listening.

    Copyright © 2022 NPR. All rights reserved. Visit our website terms of use and permissions pages at www.npr.org for further information.

    NPR transcripts are created on a rush deadline by an NPR contractor. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative record of NPR’s programming is the audio record.

    How To Prepare for a Small Business Loan Meeting With Your Lender: ACFA Explains

    How To Prepare for a Small Business Loan Meeting With Your Lender: ACFA Explains

    How To Prepare for a Small Business Loan Meeting With Your Lender

    Entrepreneurial dreams are a blessing. Without them, the world would not progress as quickly: we may still be using buggy whips and quill pens to transcribe books. Aspirations are important, but they aren’t always enough to get a project from concept to market. That’s where banks and other financial institutions come in. Learn more about small business loans by visiting https://acfa-cashflow.com/.

    But there’s a catch: entrepreneurs can have difficulty obtaining funding. It’s not that the founders aren’t enthusiastic (at least in most cases). Instead, they frequently lack the crucial data lenders require to make decisions. No prospective small business owner can expect a financing institution to say “yes” without sufficient planning, no matter how attractive the entrepreneur or incredible the dream.

    Many of these business owners are unaware of how to prepare for a small business loan. Before an entrepreneur can confidently walk into a bank hoping to qualify for a small business loan, he or she must conduct extensive research, financial forecasts, and planning. If you think you’re ready to apply for a small business loan, double-check that all of your t’s are crossed and all of your i’s are dotted.

    Simple Errors Entrepreneurs Make When Trying to Get a Loan

    Is it possible to be dazzled by a concept or invention? This is something that lenders see virtually every day. Entrepreneurs might be almost overly excited about their products or services, believing that desire is enough to get a loan. Unfortunately, this is not the case.

    While enthusiasm and optimism are contagious, they aren’t enough to qualify you for a small company loan. A long history of bad credit won’t help either. Founders who aren’t adept at managing their personal finances are more likely to mismanage the cash flow from their firms. 

    They may also be more likely to use company finances to deal with personal issues, which might concern lenders.

    However, a poor credit score is simply one factor that could lead to a lender refusing to lend. 

    Another concern for lenders is the entrepreneur, who isn’t prepared to labor 60 to 70 hours (or more) per week as the company ramps up. When the going gets rough, founders who expect only to manage others — and stick to a 9-to-5 workweek — frequently lose steam.

    This ties into the third reason many lenders say “no”: a lack of data or planning. Attending a lender meeting without the necessary documentation and information is like to expecting to be named to your team’s starting lineup after missing practice. Lenders must be impressed and have a high level of confidence in handing over funds to entrepreneurs. 

    Prepare spreadsheets, practice FAQs, and offer material that supports your idea as a successful investment when applying for a small company loan.

    How to set yourself up for success when applying for a small business loan

    How can a lender feel confident in making a commercial loan if the borrower can’t present collateral, doesn’t have collateral, hasn’t paid off past loans, or has a shady credit history? They can’t, in a nutshell. But it’s not all doom and gloom. Entrepreneurs who make a few little adjustments to preparing for lender meetings can improve their chances of getting a loan.

    Establish realistic revenue targets

    You could be hoping for big sales right first, but don’t set your sights too high. Having a good product or service does not always imply incredible sales. Use cautious revenue predictions to demonstrate that your business idea will be lucrative to financiers.

    Make sure you bring specifics to the meeting.

    Costs and names are two things that come to mind. Distributors. Numbers. Counts should be available at all times during lender meetings. The better the information, the more specific it is. 

    Also, rather than winging it, make sure you practice your pitch. Listeners will know you’re serious if you deliver a clear, well-articulated presentation.

    Understand why you’re creating a company.

    When new entrepreneurs come to The Callaway Bank for customized financing alternatives, we ask why they want to leave a secure, predictable W-2 job to follow a career path with no visible upfront income. Those who can explain their willingness to take a risk (not to mention reasonably and rationally back up their goals) always create a better first impression than those who can’t.

    Take criticism in stride.

    Lenders may come out as harsh or distrustful. After all, it’s your kid, and it’s difficult to believe anyone wouldn’t think it’s fantastic. They are, however, rarely critical of the entrepreneur. 

    They’re simply expressing reservations about entering into a relationship with a founder at this time. Good lenders will recommend how the founder might improve her business plan. This is especially true if the borrower cannot demonstrate a business plan. The best business ideas take months or even years to develop, so don’t try to cram one together the night before and hope it “flies.”

    Best Bad Credit Loans – Most Reliable Bad Credit Payday Loan Lender Options

    Life is complicated, and money can often get you out of problems.

    Even if you have a bad credit score, you can still get a loan from reputable companies with minimal effort and paperwork. It’s not the end of the world if your credit score is not perfect or non-existent. Lucky for lots of people, the world we live in is accommodating enough to enable loans even in the worst conditions.

    Hundreds of companies offer loans to people who have bad credit scores. We analyzed the majority of them to rank them for you. Our specialized team contacted these bad credit loan providers, studied financial statements, and talked to their real customers about their borrowing process. After analyzing all the data, we ranked the best bad credit loan providers of 2022 as follows:

    The Best Bad Credit Lenders of 2022

    • MoneyMutual
    • Bad Credit Loans
    • PickALender
    • CashUSA
    • PersonalLoans
    • LendYou
    • Next-Day Personal Loan
    • Upgrade Personal Loans
    • Payzonno


    We’re starting with MoneyMutual, a popular money lending platform that has helped over 2 million people since it was founded. They’re acting as a middle man between lending companies and clients, with a long history of successful transactions. They are a safe and trustworthy platform that connects people with over 120 lenders across the United States.

    People who need to borrow money can get up to $5000 in their bank accounts in no more than 24 hours. The process is easy and 100% online. They need some basic information from the borrower, and then after everything is reviewed, the money is deposited in just a few hours in your account.

    One of the most notable advantages of using MoneyMutual is a zero-cost service platform. This means that it costs nothing to fill out a form and submit information through MoneyMutual’s online marketplace if you need a loan. Only the company that agrees to loan you money will pay a fee to MoneyMutual.They do not charge users extra fees.

    Borrow: Up to $5,000 within 24 hours

    Bad Credit Loans

    Another popular platform is Bad Credit Loans. They let people borrow between $500 to $10,000 using an easy, online application process, no matter their credit score or history.

    All you need to do is submit some primary data about yourself. The data includes your ZIP code, the last four digits of your SSN, and your date of birth. That’s it. After that, you can immediately see if you qualify for a loan.

    Like MoneyMutual, BadCreditLoans is also 100% free for users. The platform connects you with lenders then charges those lenders a fee to do business with you, lending money in this case. Thanks to this, you get the best possible lender while enjoying a hassle-free online application process, making it easy and affordable for people with bad credit to borrow money online.

    Borrow: Between $500 to $10,000 within one business day


    PickALender is another online lending platform we analyzed. They let you get personal loans anywhere between $100 to $40,000, even if you have a bad credit score. You need to complete an online form that takes roughly 2 minutes, and then you are connected to lenders in your area.

    Like the other platforms, BadCreditLoans and MoneyMutual we mentioned before, PickALender gets lenders competing for your business and does not charge users a fee. They partner with dozens of lenders nationwide, creating a massive lending marketplace that allows people to get the best possible deal based on their unique situation and credit score.

    After the application process and the review, you’ll see the funds in our bank account within a business day. The entire process is transparent, easy, and hassle-free, especially for people with a bad credit score who might not be the best candidates for loans.

    Borrow: Between $100 to $40,000 within as little as one business day


    CashUSA is a lending platform that lets you consolidate debt, remodel your home, or take a well-deserved vacation even if you have bad credit. You can quickly secure a loan of up to $10,000 in just four easy steps on their platform. All you need to do is complete the online form, connect with a lender in your area, accept the offer, and wait for the money to appear in your account. It all takes around 24 hours from start to finish.

    CashUSA also connects borrowers with lenders, ensuring that you are presented with the best possible offer. Users can request up to $10,000 in cash just by entering the ZIP code, the last four digits of your SSN, and the date of birth into the platform. That’s all you need to do.

    We recommend CashUSA because they are 100% transparent with the process and business model. The company’s goal is to connect people with lenders who quickly get you the money you need. After the loan is approved, the funds will be automatically transferred to your account within one business day.

    Borrow: $500 to $10,000 within as little as one business day


    One of the most well-known market leaders in this industry, and our favorite is PersonalLoans. They make the entire process of borrowing money easy and streamlined regardless of your credit score or previous history.

    All users can request to borrow anywhere between $1,000 to $35,000 from the company’s network of third-party lenders. As always, the entire process is easy and quick. All you need to do is submit some basic information via an online form. There are no fees and no hidden costs for the users, so we recommend this platform.

    Another perk of PersonalLoans is that you can customize the rates and terms of the loan, something not a lot of platforms allow. You can choose from multiple lenders and offers and review your loan offer before deciding what works for you, for example.

    Borrow: Between $1,000 to $35,000 within 1 business day


    Another popular and well-rated lender designed to help you quickly pay for car repairs, medical bills, and other short-term emergencies is LendYou. Without bureaucracy and too much stress, they can help you get a loan for whatever trouble you might have.

    As always, all you need to do is complete and submit an online application process on their website. After a quick review, a lender will quickly provide you with an offer and then allow you to get access to the cash you need as soon as possible, usually in about one business day.

    Like other bad credit lenders on our list, LendYou welcomes people with all credit histories to apply, good or bad. No matter your credit score, rest assured that you can get access to the money you need quickly.

    To qualify for LendYou’s lending service, they will ask you a few key questions. They need to know if you are 18 years or older, have a valid checking or savings account with direct deposit, have a minimum regular income of $1,000 per month, and are member of the United States military.

    After those questions, if you qualify, you could have up to $2,500 in your account within one business day.

    Borrow: Anywhere between $100 to $2,500 within as little as one business day

    Next Day Personal Loan

    The popular platform Next Day Personal Loan lets you find a suitable and trustworthy loan in just three easy steps. Just fill out the Next Day Personal Loan form that takes roughly 2 minutes to complete, review, and sign the documents. After that, you will be able to see the funds you requested in your bank account as soon as the next business day.

    Why do we recommend the Next Day Personal Loan? The platform offers fast delivery, multiple marketplaces and lending partners, strong data security with 256-bit encryption, and good or bad consideration of all credit scores. No matter your credit score, you can complete the Next Day Personal Loan online application process and get the money you need in your pockets as soon as possible.

    Another notable perk of the Next Day Personal Loan platform is the amount you can borrow. Some people can borrow up to $40,000 through the platform, making it one of the biggest borrowers on our list. All loans are fully customizable, offering you a flexible loan starting with as little as $100.

    Borrow: Between $100 to $40,000 within one business day

    Upgrade Personal Loans

    Moving on, we have Upgrade Personal Loans, a popular platform that offers personal loans up to $50,000. They are the only lender that offers such a high amount of money. No other lender on our list provides more than $40,000.

    Like the other platforms we presented in this list, Upgrade Personal Loans offers online consultancy and personalized offers within minutes. It all takes just a few steps, from when you applied until you get the money in your bank accounts.

    Upgrade Personal Loans is a company from San Francisco. They offer affordable options and small fees if you have a good credit score, making them one of the best lenders on our list. Like the other platforms, the loan is approved in just a few hours; therefore, the money will be in your bank account in less than a business day.

    Borrow: Between $1,000 to $50,000 within as little as one business day


    Unlike the others, Payzonno may be the most straightforward bad credit lender on our list so far. At Payzonno, you’re greeted with a simple quiz via chatbot when you go on their website. The chatbox asks you about your background and financial situation. It’s all easy to follow, even if you’re not good with computers. Then, after a quick analysis of the data, it offers you a loan amount based on that situation.

    Even if you have a bad credit score, like lots of people, you could get thousands of dollars through Payzonno. If you can provide proof of a steady monthly income, you could receive even more.

    These lending services Payzonno provides are 100% free. After submitting information through the chatbox, the company gets lenders competing on your behalf in a matter of seconds. After that, you get to choose the lender with the best terms and fees. No one is forcing you into a deal or bad loan. The amounts range from $100 to $5,000, depending on your credit score, state of residence, and other factors such as monthly income.

    Borrow: Anywhere between $100 to $5,000 within as little as one business day

    How We Ranked The Top Bad Credit Lenders

    Because we live in a world led by capitalism, all lenders claim to make it easy to secure a loan for emergencies or personal expenses. However, we noticed that not all lenders are created equal – especially when looking for bad credit loans. We used the following metrics to separate the best and worst bad credit lenders so that you can better understand our rating system:

    Acceptance of Low Credit and No Credit

    First of all, you don’t need this list if you have a good credit score. If you are among the people with a good credit score, there are plenty of borrowing options available for you out there. We exclusively looked into lenders that accepted bad credit scores and no credit scores for this list. Having a bad credit score or no credit score should not prevent you from getting money when you need it most. Most institutions and banks do not offer loans to people with bad credit scores.

    Speed of Deposit

    Good lenders usually deposit money into your account within 24 hours. Some of the best lenders in this industry do it within 6 to 12 hours. We considered the speed of the deposit in our rankings because we know that sometimes timing is crucial, and most people need the money as soon as possible. That’s where bad credit lenders can help. Otherwise, these people wouldn’t be in the position to access the funds.

    Company Reputation & Track Record

    As a rule of thumb, it’s essential to research the company you’re doing any type of business with, especially if you’re about to borrow money. Some bad credit lenders are new companies with a limited track record. Other companies have a long and proven track record for providing quality loans to people with different credit scores. We only listed trustworthy companies well known in the industry for offering money to people with bad credit scores.

    Amount of Money Available

    Some bad credit lenders let you borrow up to $5,000 in as little as 24 hours with bad credit or no credit. Others lure you in with claims of giant deposits, only to withdraw that offer when they discover your credit score. All the companies in this list are transparent with the money available for your specific situation.

    Ease of Application Process

    Making the entire application process easy should be a priority for any company offering online services. Some bad credit lenders have invested millions into creating highly functional and usable websites that are easy to use. Others use dated UIs with poor design. We considered the overall ease of the application process in our ranking, and we preferred websites that made it easy to complete the application within minutes. If you have an emergency and need money quickly, you don’t want to spend hours on a website trying to figure out how to submit a form and sign the papers.

    Customer Reviews

    We tested it before listing it in this article as with any product. In this case, we tried each bad credit loan website wherever possible. However, we also considered customer reviews in our rankings. We read thousands of positive and negative reviews to ensure that our recommended bad credit lenders had a proven track record of providing money to their clients.

    Honesty & Transparency

    The world is full of scammers, and the bad credit loans industry is no stranger to it. You can find plenty of shady payday loan websites that are dishonest and borderline scammers. Some of them can even steal your financial and personal information. Others are reputable companies specializing in bad credit loans. Some companies disclose their location and history upfront, while others are vague about their entire operation. We preferred bad credit lenders that were honest and transparent with their business information, fees, and processes.

    Interest Rate and Overall Cost

    Bad credit loan providers compete with one another based on interest rates. This criterion is usually their selling point as well. Bad credit loans are always more expensive than high credit loans, so you should expect higher interest rates. That is how the system works. However, by law, bad credit lenders cannot exceed certain interest rate limits. We considered interest rate and overall cost in our rankings because this is also important for someone looking to borrow money.

    Fee Transparency

    The biggest mistake someone desperate for money can make is not reading the terms and conditions of the loan. Some bad credit lenders lure you with low-interest rates, only to surprise you after you sign the loan with all sorts of hidden fees that quickly add up to your debt. All bad credit lenders charge higher fees, but some lenders are downright unreasonable and sneaky. We tried only to shortlist platforms and companies that are fully transparent with their customers.

    How to Get a Bad Credit Loan: Our Step by Step Guide

    Just because you have a bad credit score doesn’t mean that you can’t get a loan. This process can be pretty straightforward. Many companies specialize in providing bad credit loans. If you’re also looking to get a loan and your credit score isn’t good enough, we have a few tips for you. Here’s our detailed step by step guide:

    Step 1. Check your credit score before applying. It gives you a better idea of which lender you can work with and what situation you’re in.

    Step 2. Research lender options thoroughly. There are thousands of bad credit lenders out there, and you want to be sure that you’re choosing wisely. The top-ranked ones on our list are trustworthy platforms, with thousands of happy clients prevalent in their niche.

    Step 3. Gather all the paperwork needed before applying, if possible. Get verification information ready for the lender, including your name, birth date, and financial information, so that you don’t have to spend hours or even days finding them and submitting them. It will make the entire process lengthy. Some lenders ask for income verification, debt-to-income ratio, and other details, while others do not. Make sure you know what documents your lender will ask for so that you can have them ready.

    Step 4. Apply for a bad credit loan. After you’ve done your research and gathered the documents for the application, you’re ready to complete the online application process for your bad credit lender. Simply complete the steps online, then wait for the approval. You could have cash in your account within an hour to 24 hours maximum.

    Once you’ve gathered information and checked your credit score, the rest of the process takes only 2 to 3 minutes. Most online lenders make it easy to request money by having an easy online application form. All you need to do is enter your information, submit the requested documents, then get ready to receive your money.

    Top 5 Advantages of a Bad Credit Loan

    Although many people fear debt and despise getting a loan, there are several significant advantages to getting a credit loan, even if you have a bad credit score. However, the most important benefits include:

    Get Cash Fast: Bad credit loans are designed to get money into your account as quickly as possible without too much bureaucracy and stress. Bad credit loans are one option if you need to pay for emergency expenses and need cash ASAP, and you can’t get a loan from a bank.

    Much Lower Interest Rates than Credit Cards: Many bad credit lenders charge lower interest rates than credit cards. Credit card interest rates range from 18% to 30%, while some charge less than 10% per year. Generally, bad credit loans vary anywhere from 4.9% to 35.99%, which could make them a more affordable option than borrowing money on your credit card. This is good news for those seeking a quick loan for emergencies.

    Multiple Lender Options: You have many lender options, even with bad credit. There are more bad credit lenders than ever. In fact, by getting lenders to compete for your business online, you can get surprisingly good interest rates even with bad credit.

    Customizable Repayment Term Length: Some bad credit loans offer two weeks of repayment. Others provide from 1 to 5 years. You can customize repayment terms based on the most bad credit loans situation.

    Improve Your Credit Score: For those who don’t know how credit score works, you can improve your credit score if you make on-time payments for your bad credit loan because your credit score improves when you consistently make on-time payments. Getting a loan can lower or improve your credit score.

    How Do Credit Scores Work?

    Credit scores can be complicated, especially if no one bothered to explain them to you. If you don’t understand credit scores, that’s okay. Know that it’s a complicated system with many moving parts, and you’re not always aware of everything that is going on behind the scenes.

    The United States has three major credit bureaus, including Experian, Equifax, and TransUnion. Each bureau tracks information based on your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).

    Each credit bureau has a detailed report on you and all the transactions you’ve made in the past. That credit report includes your payment history on any debts or loans accrued over the years. Based on this information, the credit bureau assigns you a score based on your likelihood of repaying money someone lends to you. Your entire credit history depends on it. All you can do to make it better is have credit and be good with it. This means that you should make all payments on time and use all the advantages credit gives you.

    Why Do I Have A Bad Credit Score?

    Credit bureaus consider many factors when calculating your credit score; some of them are easy to understand and upfront, while others are more obscure. If you have a bad credit score, then it’s likely related to one or more of the following factors:

    • The length of time you’ve had credit, the higher your score will be
    • The amount you owe on current debts or loans
    • The amount of your available credit you are using
    • The types of credit you have, include credit cards, bank loans, car loans, and lines of credit. They’re all different and essential for your score.
    • How much new credit do you have
    • How often you pay your debt/payments on time or have missed payments or declared bankruptcy

    The credit bureau will assign you a good or bad credit score based on these factors and other factors. Your credit score fluctuates, it is not doomed, and it can be improved. If you just paid off your student loan, for example, then your credit score should go up. If you just received a new credit card, your credit score should increase because you have more available credit. As you start using that credit, your credit score will go down. Based on these factors, you can directly influence your credit score.

    What is a Bad Credit Score?

    Lenders and banks consider you a risky borrower if your credit score is less than 580. Below that score, the lender and the bank see you as high-risk for not repaying your credit. If you don’t know the guidelines based on how you are labeled, we can help you.

    Here are the general guidelines for good and bad FICO credit scores:

    • Exceptional Credit: 800 and above
    • Very Good Credit: 740 to 799
    • Good Credit: 670 to 739
    • Fair Credit: 580 to 669
    • Poor Credit: Scores below 580

    Top 4 Best Types of Bad Credit Loans

    Luckily for you, you can still borrow money even if you have bad credit. It’s not the end of the world if you’re not among those who thrive on having an exceptional credit score. If you have a bad credit score, then you can borrow money through one of the following five methods:

    Online Lenders

    In 2022, online lending will be more popular than ever. Online lenders, including any of the lenders researched above by our team, make it easy for people with all credit scores to borrow money online in just a few easy steps. Although as someone with bad credit, you pay more than someone with good credit, they are still a good choice if you need money ASAP. However, you can quickly and instantly borrow money from many online lenders, and the money will be in your bank accounts within one business day.

    Credit Union Payday Alternative Loans (PALs)

    Some credit unions are part of the National Credit Union Administration, which means they offer payday alternative loans (PALs). These loans are cheaper than payday loans, and they allow borrowers to repay the loan over a few months instead of as a single pay period. Federal regulation caps PALs at an interest rate of 28%, making them much cheaper than payday loans.

    Borrow from Friends or Family

    Friends and family don’t care about your credit score, and they won’t check your credit score before lending money. This is why many people with bad credit scores choose to lend money from family or friends. Unfortunately, mixing business and pleasure isn’t always a good idea, and it can influence the relationship over time. However, many people borrow from friends or family before turning to other borrowing options.

    Home Equity Loan with Bad Credit

    If you have equity in your home, you can also apply for a home equity loan or a home equity line of credit (HELOC). In this case, your home will serve as collateral for the loan, and you can borrow money regardless of your credit score. HELOCs tend to have low-interest rates because your home secures the loan, not your income. Interest on your home equity loan may be tax-deductible(check with an accountant before to be sure). The main downside of this type of loan is that failing to repay the debt could cause you to lose your property. There have been cases of people losing their homes due to a bad loan or inability to repay the debt in time.

    How Much Does a Bad Credit Loan Cost?

    Bad credit loans are not necessarily more expensive than regular loans. Bad credit loan rates vary depending on your credit score, financial background, and state of residence—however, the bad credit lenders listed above in this article charge between 4.9% to 35.99%.

    The higher your credit is, or the more proof of income you provide, the more you can borrow from the lender. Each situation is different because each individual may have different needs and qualifications.

    As with any loan, make sure to check the bad credit loan statement carefully for additional fees, including early payment fees, missed payment fees, and other charges, before signing. It might take a few minutes or hours to read through it, but it can save you a lot of money and time. Information is power.

    Bad Credit Loan Alternatives

    Although many people give them a bad reputation, bad credit loans are helpful. However, there are always some alternatives because each situation is unique. It all depends on your situation and your credit score. You may want to consider the following instead of the bad credit lenders listed above:

    Interest-Free Cash Advance Apps (Earnin, Dave, or Chime)

    Apps like Earnin, Dave, and Chime have surged in popularity because they offer interest-free advances on paychecks up to two days in advance. You must meet eligibility requirements to use these specific apps, and there’s also a limit on how much money you can borrow. However, they could allow people with bad credit to get an interest-free cash advance. This is an excellent alternative for some people.

    Personal Loan from Bank, Credit Union, or Online Lender

    Personal loans have lower APRs than bad credit loans. Even if you have a bad credit score, you may be able to receive a loan from a bank, credit union, or online lender. It’s better to go and ask them or talk to a representative over the phone to see if you qualify for any personal loans.

    Small Dollar Loans for Emergency Expenses

    There are plenty of banks in America, and there will always be one that might be the right one for you. Some of the largest banks offer small-dollar loans to cover emergency expenses specifically. Bank of America provides Balance Assist, for example, and US Bank offers Simple Loan. These banks provide short-term funds to existing customers in good standing. Our advice is to ask your bank about a small-dollar loan.

    Peer-to-Peer Lending

    Peer-to-peer lending platforms have been popular for over a decade. These websites only specialize in one thing, connect lenders with borrowers. Lenders want to earn interest on their savings, while borrowers need money. It’s the perfect win-win relationship. Some peer-to-peer lending sites have emerged and now use crypto.

    Auto Title Loans

    You use your vehicle as collateral to borrow money with an auto title loan. You should only use an auto title loan as a last resort. Auto title loans are expensive, and they generally require you to repay the loan in 30 days. If you can’t pay within 30 days, the borrower legally takes possession of your vehicle.

    What Do I Need When Applying for a Bad Credit Loan?

    Before applying for a bad credit loan, you may need to meet specific requirements and verify certain documents. Lenders have different rules, as do States. Generally, you need all of the following documents ready when applying for a bad credit loan:

    • To be at least 18 years of age
    • To reside in the state, you selected on your loan application
    • To have a valid and active email address or phone number
    • To provide proof of an active bank account that has been opened for at least one month
    • To not currently be a debtor in a bankruptcy case or intend to file for bankruptcy relief

    Some bad credit lenders will also require you to provide proof of a steady source of recurring income, like employment, self-employment, retirement funds, disability payments, or other income sources. If you can provide this information for them, you will qualify for a bigger loan. Generally, you are eligible for a bad credit loan as long as you have more than $1,000 per month from all sources. In some cases, lenders require a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), but that is not the case with all lenders; some will not ask for your SSN or ITIN. As mentioned above, these requirements are always listed on the websites.

    How Much Does a Bad Credit Loan Cost?

    You will pay a certain percentage as interest whenever you borrow money from a lender, bank, or institution. This goes for all types of loans, not just bad credit loans. As for bad credit loans, the costs vary widely between providers. According to the Consumer Financial Protection Bureau, it typically costs around $15 to borrow $100 from a payday lender. That’s an APR of 391% for a two-week loan.

    However, remember that not all bad credit lenders function like payday lenders. Many bad credit lenders lend to people of all credit scores – they just charge higher rates to people with bad credit scores. You still end up paying less than a payday loan, and you get access to the money faster.

    How Much Can I Borrow with a Bad Credit Loan?

    No rule regulates the amount of money you can borrow. It all depends on your situation and your ability to pay it back. If you have a bad credit score, you should be able to borrow anywhere between $300 to $1,500, depending on lending regulations in your state and your lender. However, if you get a personal loan, you might be able to borrow even more than $1,500. Many online lenders let you borrow $5,000 to $15,000 even if you have a bad credit score. Having a bad credit score is not a death sentence. By getting a loan, you will increase your score, and if you pay your debt in time, your score will significantly increase over time.

    FAQs About Bad Credit Loans

    We know that loans, especially bad credit loans, are pretty complicated; therefore, we want to debunk and answer all the questions people might have about them. Our bad credit lending experts get plenty of questions about bad credit loans all the time. People want to know how they work and the benefits and risks. Here are our responses to the most frequently asked questions about this subject.

    Q: What is the most accessible type of loan to go for if I have a bad credit score?

    A: There isn’t a specific type of loan suited for people with bad credit scores. You can qualify for multiple types of loans from various platforms. Nowadays, many popular online lending websites make it easy to get a loan with bad credit. All you have to do is go on the website, apply online, send them all the information they require, and then you’ll receive offers within minutes, fully customized for your situation and needs. It’s fast, easy, and convenient regardless of your credit score. People with good credit scores can apply for loans on these platforms.

    Q: Can I get a loan with no credit?

    A: If you have a bad credit score or, even worse, no credit, look for a no credit check loan. These loans are more expensive, but they allow you to access money with a bad credit score in a matter of hours. Always be aware of companies that don’t claim to check your credit, as they are scams, most probably.

    Q: What loan company will accept me with bad credit?

    A: Any top-ranked bad credit loan providers on our list will accept you with bad credit. Take a few minutes to read the article and check their websites for more details.

    Q: Can I honestly get a loan with a bad credit score?

    A: Yes, you can get a loan even if you have a bad credit score. You will pay higher interest rates with a traditional lender, or you can find a no credit check loan.

    Q: How do I borrow money immediately?

    A: The easiest way to borrow money immediately is via a personal loan from an online lender. Or, you can use a loan app, take a cash advance on your credit card, borrow money from family or friends, or visit a pawnshop. As you can see, there are many legal ways to get some cash quickly.

    Q: Can I get a $10,000 loan with bad credit?

    A: Yes. Several bad credit lenders offer up to $10,000 or more cash in personal loans to people with bad credit.

    Q: What’s the catch with bad credit loans?

    A: The “catch” with bad credit loans includes high-interest rates. Some lenders also charge additional fees; it depends on the lender. However, these companies must disclose all fees upfront. Therefore, you are not scammed or tricked into a loan. All you need to do is read all the terms before signing.

    Q: What is a bad credit loan?

    A: A bad credit loan is an agreement between you (the borrower) and another party (the lender) where you receive money in exchange for a fee (like the interest rate and other charges) while having a bad credit score.

    Q: How much can I borrow with a bad credit loan?

    A: Typically, you can borrow anywhere between $100 to $1,500 with a bad credit loan. Some lenders offer even higher amounts of money. It all depends on your situation and your ability to repay the debt.

    Q: Will applying for a bad credit loan impact my credit?

    A: If the lender performs a credit check, that credit check could impact your credit score. However, this effect is insignificant, and we shouldn’t worry too much about it. There are other serious factors affecting your credit score.

    Q: What is a FICO score?

    A: A FICO score is a specific credit score used by certain lenders. Generally, if you have a bad credit score, you also have a bad FICO score.

    Q: What do I need to apply for a bad credit loan?

    A: To apply for a bad credit loan, you typically need to be 18 years of age or older, reside in the state you picked on your loan application, have a valid and active email address, and have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). The lender may also require proof of an active bank account and evidence of a steady source of recurring income (like a job, income, or proof of self-employment).

    Q: Can I get a bad credit loan if I am self-employed?

    A: Yes, you can get a bad credit loan when self-employed. The lender will probably ask for income verification from your self-employment business, just like they ask if a company employed you. You can qualify for a bigger loan if you’re making money constantly every month.

    Q: How do I apply for a bad credit loan?

    A: You can apply for a bad credit loan online or in certain stores, depending on the company or platform. Some companies exclusively do business online, while others do business online and in stores.

    Q: How soon do I get money with a bad credit loan?

    A: Most bad credit lenders deposit the money within 2 to 24 hours of receiving your application and the documents.

    Q: Do I need a job to get a bad credit loan?

    A: No, you don’t need a job for a bad credit loan. However, some lenders require proof of income verification, but that doesn’t mean that your loan won’t be approved. For proof of income verification, you can use self-employment income, disability payments, retirement benefits, and other sources of income. Just because you don’t have a job doesn’t mean that you don’t have other income.

    Q: How do I know if my bad credit loan was approved?

    A: The lender will immediately notify you if your bad credit loan was usually approved via email or phone.

    Q: Does it cost money to apply for a bad credit loan?

    A: It does not cost anything to apply for a bad credit loan. However, you may need to pay after your loan is approved, depending on the lender’s fees and conditions or your bank.

    Q: How do I receive my money from a bad credit loan?

    A: Most bad credit lenders deposit money directly into your bank account (direct deposit). However, some lenders also offer same-day cash pickup and other alternative deposit options.

    Q: When do I pay back my bad credit loan?

    A: Borrowing periods vary between lenders. Some payday lenders require you to pay by the next payday, for example. Other borrowing periods could be 30 days, 60 days, or even one year.

    Q: How do I pay back my bad credit loan?

    A: You can make a payment online for your bad credit loan. Some lenders use automatic payments (ACH payments) to automatically withdraw money from your bank account on the due date.

    Q: What happens if I prepay my bad credit loan early?

    A: Some lenders charge a prepayment penalty, while others do not. It depends on the lender or the platform. Some lenders allow you to pay your bad credit loan early to avoid further interest payments and fees.

    Q: What loans are easiest to get approved for?

    A: Most online lenders make it easy to get approved regardless of your credit score, good or bad. The higher your credit score, the less you’ll pay. Many online lenders send you money in minutes, irrespective of your credit score.

    Q: Can I refinance my bad credit loan?

    A: Some states require lenders to refinance your bad credit loan. For more information about this, it’s better to contact your lender for refinancing options.

    Q: Why is the interest rate so high with bad credit loans?

    A: Many bad credit loans have short borrowing periods – similar to payday loans. You might pay 20% interest to borrow money for two weeks, making the annual percentage rate (APR) look very high. Most states restrict the maximum interest rate charged by the lender.

    Q: How often can I apply for another bad credit loan?

    A: The frequency of bad credit loans varies from state to state and company to company. You can check all the requirements and rules on their websites. Usually, you will get another loan if you repay your loan on time and prove that you have a steady monthly income.

    Q: Are bad credit loans a scam?

    A: No, bad credit loans are not a scam. Although it might seem like they are too good to be true, these companies and types of loans exist. Thousands of Americans with bad credit scores use these services to get money whenever they need it. You can pick the best and most reputable lender by researching lenders and comparing options to see which ones suit your needs.

    Q: Do bad credit loans require security or collateral?

    A: No, bad credit loans do not require any security or collateral. Most online lenders simply deduct money from your bank account at the time of repayment. Your assets are not at risk in this case.

    Q: What if I can’t repay my bad credit loan?

    A: If you can’t repay your bad credit loan, the lender should communicate with you to negotiate a settlement. Before you sign the papers, the lender will share the rules and penalties with you. When the time comes, they might or might not understand your situation. You might be able to negotiate a settlement. If not, the company may initiate collection procedures.

    Q: Are bad credit loans regulated?

    A: Bad credit loans tend to fall under a similar umbrella to payday loans, heavily regulated at the State and Federal levels. If you want to be safe, go for a loan from a trustworthy company with good reviews and history.

    Q: Are online bad credit loans safe?

    A: Yes, most people get bad credit loans through the internet instead of other sources. It’s straightforward. There are plenty of legitimate bad credit lenders now available online. There is no need to be afraid if you’re using a trustworthy and certified platform.

    Q: How can I spend my bad credit loan?

    A: Once the bad credit loan is in your account, you can spend it however you like; no one will ask for receipts and proof. Generally, people get bad credit loans because they have an emergency and need the money ASAP. There are no “rules” on how you spend the money, and the lender doesn’t care. You can spend some of that money on other things, as long as you pay back the money on its due date with interest. That’s all the loaner cares about, getting the money back from you.

    Q: What’s the best bad credit lender?

    A: MoneyMutual, BadCreditLoans, PickALender, and Upgrade are all some of the best bad credit lenders available today. Make sure to check out our list for a detailed analysis of all the best bad credit loans available.

    The Best Bad Credit Lenders of 2022 Conclusion

    Many people need or will need a loan to pay for emergencies or medical bills. Research shows that 4 in 10 Americans would not be able to come up with $400 in an emergency, according to the Federal Reserve, let alone thousands of dollars in case something else happens.

    Fortunately, there are more borrowing options than ever for people with bad credit. From payday lenders to short-term lenders and more, bad credit loans are easy and accessible. In 2022 getting a loan even with a bad credit score is possible; all you need is to follow a few steps and see if you qualify for the loan. In less than 24 hours, you’ll have the money in your bank accounts ready to use. Try a top bad credit lender above today!

    ALSO READ: Best Credit Repair Companies: The Most Recommended Services to Use?

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    Best Bad Credit Loans: Top-Ranked Low Credit Lenders That Work in 2022

    The internet is full of bad credit lenders that provide you with loans regardless of your credit status. Your credit score does not matter; you can apply online and get several offers within minutes.

    Nevertheless, borrowing money on bad credit is sensitive, and you need to consider several factors before going with a lender. With several online lenders available, it is wise to do your research and evaluate every vital aspect before going with a lender.

    To make your life easy and save you the hassle of going through all the lenders by yourself, our financial experts have spent weeks contacting tens of bad credit lenders and going through all the paperwork to filter out the best from the rest.

    After rigorous scrutiny and analysis, we were able to rank the best bad credit loan providers that will help you in times of need and make your life easier.

    The Best Bad Credit Lenders of 2022

    Below, we have listed some of the best bad credit lenders that you can find online in 2022:

    • BadCreditLoans
    • MoneyMutual
    • CashUSA
    • PickALender
    • PersonalLoans
    • LendYou
    • Next Day Personal Loan
    • Payzonno
    • Upgrade Personal Loans


    BadCreditLoans is a super convenient online lending platform with a simple application process that allows you to borrow up to $10,000. Found online at BadCreditLoans.com, the platform comes in handy when all the banks and other lenders fail you.

    All you have to do is enter the last four digits of your social security number and your date of birth and zip code to see if you qualify for the loan. Once you are deemed fit for a bad credit loan, BadCreditLoans connects you with several lenders willing to provide you with a loan regardless of your credit score. There are no hidden fees; the company charges the person giving you the money a certain fee; apart from that, you are free to carry out your dealings with the lender.

    The service is entirely free and is one of the best lending platforms to avoid scams. Because of its transparency and ease of use, it is recommended by many customers who have used it to get financial help in tough times.



    MoneyMutual is another platform designed to help people with bad credit scores get safe and secure loans. It allows you to borrow up to $5,000 within a day and is an excellent option for people looking for a bad credit lender that offers an instant payback.

    The platform has helped over 2 million people get quick loans and has been rated highly by everyone who has tried it. You will provide the required information reviewed by the lenders registered with MoneyMutual, who then put forward their offers. There are over 100 lenders from all across the United States who have a proven track record of helping people in times of need.

    MoneyMutual is free of cost and does not charge the user anything for the loans; it only connects you with the lender. MoneyMutual charges the lenders a certain amount of money, but the borrower does not have to pay them anything for their services. Everything is between you and the lender, which is one of the many perks offered by MoneyMutual.



    CashUSA is an excellent service if you want to get a loan for debt repayment, house renovations, or other expenses with poor credit. The process is straightforward; all you have to do is follow a series of simple steps, and you will be all set to receive up to $10,000.

    After you fill out the form provided by CashUSA, you are connected to some of the many lenders registered with the platform; the rest is up to you. It requires simple information like your date of birth, zip code, and the last four digits of your social security number. The platform connects you with authentic lenders who instantly get the money to you without extra steps or hassle.

    CashUSA is one of the safest and most transparent lending platforms online that saves you a lot of time by quickly connecting you with people who are willing to help you out. Once your loan is approved, you can get the money deposited into your account within 24 working hours. The platform is safe and works discreetly without putting you in an undesirable situation.



    PickALender is the perfect bad credit lender for people looking to borrow heft sums of money. With PickALender, you can get a bad credit loan of as much as $40,000 by following a few simple steps and filling out a form within minutes.

    Instead of lending you money directly, it is another service that connects you with several trustworthy lenders who present you with offers, allowing you to pick the best one for you. By giving you several recommendations, PickALender creates a sense of competition among the lenders, which leads to them putting forward the best possible offer. This works for the best of the borrower because all put forward the offers keeping the lender’s best interest in mind.

    The pool of lenders registered with PickALender features moneylenders from across the nation, another plus point. The form you fill out takes less than five minutes, saving a lot of time. It is an excellent service that allows you to borrow large sums of money on poor credit.



    PersonalLoans is an online lending service that does not bother with your credit score and allows you to get up to $35,000 in your account within days. The application form requires you to fill up basic information and makes borrowing more effortless than ever.

    The platform, like others, connects you with several moneylenders from all across the United States that present you with different offers, of which you can choose the one that suits you the best. PersonalLoans is a user-friendly platform that ensures complete transparency and does not have hidden fees or costs.

    PersonalLoans makes sure you get the best possible loan offer, regardless of your credit score. You can borrow between $1,000 and $35,000, making it an excellent choice. It doesn’t matter if your credit score is good or bad; PersonalLoans is a platform that entertains all types of customers.



    One of the best-rated bad credit lending platforms, LendYou is the perfect choice if you need a loan for short-term emergencies. Designed to help with medical bills and car repairs, and other expenses that do not require a fortune, this is a service that genuinely helps you in desperate times.

    LendYou is also one of the quickest bad credit lenders. Once you fill out the application form and complete the registration process, the lenders will do their best to send you money in the shortest possible time. Like all other lenders on our list, the company and its registered lenders do not care about your credit score and are here to help anyone and everyone.

    To be eligible for a loan, you need to be over 18 years of age with a minimum monthly income of $1,000, have a valid account that allows direct deposit, and not be a US military member. If you meet the criteria, you can apply for a loan and get up to $2,500 within the next 24 hours.

    Next Day Personal Loan


    Designed to be a customer-friendly platform, which guarantees security and convenience, Next Day Personal Loan is an excellent option for anyone looking to borrow a large sum of money. It is one of the most prominent lending platforms on our list, and users can lend between $100 and $40,000, depending on their needs.

    No matter the credit score, Next Day Personal Loan guarantees unmatched convenience with a super-easy to follow 3 step process. You simply fill out the form, review all the documents, and get the money transferred to your account in 24 hours. It works like most other bad credit lenders and connects the borrower with lenders from all across the nation.

    With hundreds of registered lending partners, Next Day Personal Loan also guarantees the security of your data with 256-bit encryption, something you do not see with other bad credit lenders.



    Payzonno is a free bad credit lender that works differently from others. Instead of applying for a loan yourself, the Payzonno chatbot asks you a set of questions when you log on to the website. These questions range from basic biodata to your financial situation. Based on your answers, you are offered a loan; the proposed amount varies from person to person.

    It does not matter if you have a bad credit score; Payzonno will still provide you with a loan offer that fits your situation. If you can provide evidence of a solid monthly income, the amount offered will increase, and you can get a higher offer.

    Like other top bad credit lenders, Payzonno provides you with offers from multiple lenders and puts them into a competition to get the best loan offer. After being present with offers, you get to pick the one that best fits your situation. You can get a loan of up to $5,000 depending on your state of residence, credit score, and other factors.

    Upgrade Personal Loans


    With loan offers of up to $50,000, Upgrade Personal Loans is the biggest bad credit lender on our list. There are no hidden fees; you just apply on their website and can see tens of offers within a few minutes of submitting your application.

    The APRs offered by Upgrade Personal Loans range from nearly 6% to 36%, which makes it one of the more reasonable bad credit lenders available online today. Regardless of your credit score, you can get a loan from Upgrade Personal Loans. Nevertheless, the amount offered and fixed rates can vary depending on your credit score.

    The platform is straightforward to use, and everyone, no matter how tech-savvy, can easily use it and make the best out of what it has to offer.

    How Were The Top Bad Credit Lenders Ranked?

    Many lenders online claim to provide competitive loans regardless of your credit score and make several promises. However, many lure customers with fake claims and exploit them once they agree to a loan. While going with a bad credit lender online, several aspects need to be considered before you can consent to a loan. We considered myriad factors before presenting you with the list mentioned above. Some of the most important are explained below:

    Credit Score

    This list provides you with the best lenders to borrow money from regardless of your credit situation. We only considered the lending platforms that allowed users to borrow money regardless of their credit situation. The money lending services that allowed people with little to no credit score to borrow large sums of money were preferred over those that gave weightage to credit scores before lending money.

    The Reputation of The Lender

    The reputation of each money lending platform was of the utmost importance in the compilation of our ranking. To make sure the borrowers did not face any future complications, we gave significant attention to the reputation of each of the lending platforms mentioned above. All the bad credit lenders on our list are known for their services and are famous for being among the most cooperative in customer service and welfare.

    Ease of Use

    The bad credit lenders that were easy to use and came with a simple application process were preferred highly over the lending platforms that were too complicated to use. All the lenders mentioned above follow an approach that is very simple to understand and does not require the user to go through any lengthy processes. Any layman can use the lenders listed above without seeking any expert help, which is something we gave extra marks.

    Time Taken for Deposits

    Some lending services guarantee you large sums of money but take weeks to make the deposits, causing delays and several problems. We gave preference to the bad credit lenders that were instant in the services they provided and deposited money quicker than others. All the platforms that made the final cut on our list guarantee deposits within a day, and some do it within 12 hours.

    Money Offered

    The amount of money offered by each lending platform was also of the utmost importance on our ranking. Some lending services provide quick deposits and are easy to use; however, their money is too little to offer any substantial benefit. Because of this, we made sure the money the bad credit lenders on our list provided the borrower with an ample sum of money that fulfilled all their requirements.

    Transparency and Security

    As previously mentioned, borrowing money from an online lending platform is sensitive; there is a considerable security risk if you go with the wrong lender. Several scams are being run under the guise of bad credit lending because of this particular reason. We were extra careful in making sure the lenders we went with were transparent in their dealings and offered the highest security possible.

    Interest Rate

    If you have bad credit, all the loans you get will be at high-interest rates. Because of the risk involved, all the lenders expect high returns, which is why all loans given to people with bad credits come at a high-interest rate. Nevertheless, we tried our best to provide you with a list of lenders that provided competitive and reasonable interest rates while keeping the customer’s best interests in mind.


    Some lending services do not disclose their fee upfront; instead, they have hidden fees that you only find out about after you have received the payment. Keeping this in mind, we only selected the bad credit lenders with no hidden fees and were honest in what they promised. Almost all the lenders listed are free for the borrowers and do not charge extra money.

    Customer Reviews

    Customer reviews were given more weightage than any other metric because nothing can tell you more about a lending service than real-life reviews. We paid extra attention to the customer reviews of each lending platform to ensure the lenders provided everything they promised.

    A Step by Step Guide to Getting a Bad Credit Loan

    If you go with any of the services listed on our ranking, you can quickly get a bad credit loan without going through a lengthy process or a lot of hassle.

    To get a bad credit loan, follow these steps:

    • Find out your credit score to better understand which lender to go with.
    • Do your research. Find out about the bad credit lenders available online and go with those that suit you. Any of the bad credit lenders on our list will do the job for you.
    • Keep your information and necessary documents at hand. Essential information like your date of birth, correct name spellings, social security number, and detailed financial information, among others, should be readily available to you. Your payslip and income verification, along with information regarding previous loans, should also be available in case the lender asks for it.
    • Fill out the application form and apply for the loan. Follow any other minor steps mentioned online to see the whole process through and get approved by the platform and the lender.

    It is as simple as this. All you need to do is gather your essential information, after which you will have to follow the instructions mentioned on the website and fill out the form as directed by the lending platform. Once you have all your data, you can apply for a bad credit loan in less than 5 minutes and have the money in your account within the next few hours.

    Advantages of Getting a Bad Credit Loan

    A bad credit loan can have a lot of significant advantages that you might not get with other loans. Some of the most common benefits of a bad credit loan are as follow:

    Bad credit loans are outstanding for emergencies. If you need urgent cash and cannot find any way of getting it, bad credit loans might be the best idea.

    Many bad credit lenders charge lower interest rates than most credit cards. Most credit card companies charge between 18% to 30%, depending on your history and spending. In contrast, interest rates on bad credit loans can be as low as 5% if you go with the right lending platform.

    The variety of options you get with bad credit loans is something you won’t get with others. Several bad credit lenders offer loans on different conditions and rates, allowing you to choose between options. This lets you pick the best option for you and save you a lot of money.

    Bad credit loans allow you to choose the payment plan. From a few weeks to almost five years, you can pick whichever period suits you the best. The flexibility and convenience of bad credit lenders are hard to find with others.

    Timely repayment of bad credit loans can help improve your credit score, meaning you can borrow more money at better rates.

    Most bad credit lending platforms have a lot of lenders who compete with each other to provide you with the best possible offer, which means the ball is always in your court when it comes to choosing the right type of loan.

    What are Credit Scores, and How Do They Work?

    A credit score in the United States denotes the creditworthiness of an individual. It is based on a credit report, which credit bureaus provide. Banks, lenders, and credit card companies all use credit scores to assess an individual’s risk of lending money.

    Credit scores decide your eligibility for a loan and the interest rate that loan will be given. Lower credit scores mean a high risk involved in lending money to an individual, which leads to higher interest rates. Whereas good credit scores generally indicate low potential risk, individuals with good credit scores get loans for lower interest rates.

    In the United States, there are three major credit bureaus. Namely, TransUnion, Equifax, and Experian. These bureaus keep track of your credit scores through your Taxpayer Identification Number or Social Security Numbers.

    The credit reports collected by credit bureaus contain everything from your payment history to any outstanding debts or unpaid loans. All these factors contribute to the credit score assigned to a person. If a person has a history of defaulting on payments and several outstanding loans, they will have a low credit score, making it difficult to borrow money.

    What Leads to a Bad Credit Score?

    Several factors contribute to a bad credit score, from outstanding long-term debts to unpaid credit card bills. The following are some of the primary reasons for bad credit:

    • Low credit on your credit card can lead to a decrease in your credit score
    • Unpaid loans also lead to a low credit score
    • High amounts of outstanding debt is also a significant contributor to a bad credit score
    • Credit card bills, bank loans, lines of credit, and car loans, among several other factors, can also contribute to your overall credit score.
    • Unpaid student loans also play a significant role in bringing your credit score down.

    Other than these, numerous other reasons might affect your credit score depending on your lifestyle and payment history.

    What is Considered a Bad Credit Score?

    The credit score given by credit bureaus ranges between 300 and 850. A score below 580 is considered poor, and a person having a score below 580 is seen as high-risk, meaning that even if you manage to get someone to lend you money, it will be at a very high-interest rate.

    Below are the tiers for different credit scores:

    • Exceptional: 800+
    • Very Good: 740-799
    • Good: 670-739
    • Fair: 580-669
    • Poor: Below 580

    Types of Bad Credit Loans

    Having bad credit does not mean you cannot borrow money. There are different types of bad credit loans available that can be availed. There are four major types of bad credit loans:

    Online Lending Platforms

    Online lenders are the most famous type of bad credit lenders today. They not only offer convenience when it comes to borrowing money but also provide the user with the desired amount without asking many questions. Furthermore, they offer instant services, meaning you can apply today and have the money in your account within 24 hours.

    Payday Alternative Loans

    As the name suggests, Payday Alternative Loans are cheaper alternatives to payday loans. Credit Unions offer these types of loans when affiliated with the National Credit Union Administration. The federal government has capped the interest rate for these loans at 28%, which means they are more affordable than payday loans.

    Home Equity Loan

    Another way of getting a loan on bad credit is putting your home up as collateral. If you own a house, you can get a loan against it by putting it up as security for the loan. Home equity loans can be availed regardless of your credit score. People with bad credit who have equity in their houses can quickly get a loan. Moreover, these loans tend to be low-interest loans because the house works as security for the loan. However, you need to be aware that if you fail to repay the loan, your home will be confiscated, and you will lose your property.

    Borrowing from Close Friends and Family

    Borrowing money from friends and family is the last resort; it does not involve any paperwork, and you might even get it without any interest. Nevertheless, you need to consider several factors before asking any acquaintance for a loan because it might damage your relationship if you fail to pay back the borrowed amount.

    How much do Bad Credit Loans cost?

    Bad credit loans and the repayable amount can vary depending on several factors. Your credit score, the amount you borrow, and your paying capacity can contribute to the interest rate you get with a bad credit loan.

    Interest rates for bad credit loans can range anywhere from 4.9% to 35.99%, depending on numerous factors.

    If you have a good credit score and make a respectable amount of money, you can borrow more, whereas if you have a poor credit score and do not make enough money, you might not be able to borrow much.

    While applying for a bad credit loan, you need to consider several factors, including missed payment fees, early payment fees, and other charges.

    How Much Money can you Borrow on Bad Credit?

    The borrowable amount varies from lender to lender. Some bad credit lenders allow people to borrow anywhere from $500 to $5000, whereas others might let the user borrow up to $50,000, subject to different factors.

    People with higher credit can generally borrow more, while people with terrible credit cannot borrow as much as others.

    Alternatives to Bad Credit Loans

    There are several alternatives to a bad credit loan. Before applying for a bad credit loan, you need to consider several factors and decide what fits your situation. The following are the best alternatives to bad credit lenders:

    Cash Advance Apps

    Cash Advance Apps like Chime, Dave, and Earnin are great choices if you need a cash advance on your paycheck. Even though there is a borrowing limit on these apps, they offer great alternatives to bad credit loans and are perfect if you need small amounts of cash for emergencies.

    Personal Loans

    Personal loans are also suitable alternatives to bad credit loans because they have lower APRs. People with bad credit scores can still borrow from banks and credit unions depending on their situations.

    Small Dollar Loans

    Several banks offer small-dollar loans, which are great for emergency expenses. For more information on small-dollar loans, you need to contact your banks.

    Auto Title Loans

    Auto title loans are also an option for people who own a vehicle. These loans allow you to put your automobile up as collateral for a loan. Nevertheless, these should only be used as a last resort because they are pretty expensive and require you to pay the money back within a month. If you default on your payment, your vehicle is seized by the lending entity.

    Peer-to-Peer Lending

    Numerous online platforms facilitate peer-to-peer. People usually give loans to others for a set interest rate to get a good return on their investment.

    What is Needed While Applying for a Bad Credit Loan?

    Applying for a bad credit loan is relatively simple; nevertheless, you still need to meet the eligibility criteria and have certain documents ready if you wish to apply for a bad credit loan. Some lenders have different requirements than others. However, most of the bad credit lenders have the following criteria:

    • The borrower must be at least 18 years old
    • Must be resident of the state selected on the loan form
    • A valid phone number and email address
    • An active bank account
    • Must not be bankrupt or planning to file for bankruptcy

    Apart from these requirements, some lenders might ask for proof of income. Some lenders also have a minimum monthly income requirement for borrowers on bad credit. Generally, you qualify for a bad credit loan if you earn more than $1,000 per month. Many lenders also require social Security Numbers and Individual Taxpayer Identification Numbers.

    Frequently Asked Questions About Bad Credit Lenders

    Our team of financial experts gets hundreds of questions each week. Some of the most important and frequently asked questions have been answered below:

    Q: What is a bad credit loan?

    A: A bad credit loan is a loan you apply for when you do not qualify for other loans because of a bad credit score. Bad credit loans are for people who have a history of unpaid loans and outstanding debts.

    Q: Is it possible to get a loan with bad or no credit?

    A: Yes, it is possible to get a loan with bad or no credit. You can visit any bad credit lenders on our list to see how much you can borrow on your credit score.

    Q: How long does it take for a bad credit loan to be deposited in my bank account?

    A: If you go with any of the bad credit lenders mentioned on our ranking, you can get the money deposited into your account within 24 hours or less.

    Q: Is there any way to get a loan instantly?

    A: Several online lending platforms and cash advance apps can lend you money instantly and provide you with a loan within one working day.

    Q: Is there any catch with bad credit loans?

    A: The only catch with bad credit loans is that they come with high-interest rates. Lending to a person with bad credit is considered high-risk, so lenders tend to charge high-interest rates for bad credit loans.

    Q: How much money can I get with a bad credit loan?

    A: The amount borrowed on bad credit varies from lender to lender. Mostly, you can get up to a few thousand dollars if you have bad credit.

    Q: Will a bad credit loan affect my credit score?

    A: With some lenders, the loan might affect your credit; however, the effect isn’t that much.

    Q: What details do I need to apply for a bad credit loan?

    A: Your date of birth, phone number, email address, SSN or ITIN, and bank account details are some of the particulars that might be required while applying for a bad credit loan. Some lenders also require proof of income.

    Q: Who can apply for a bad credit loan?

    A: Anyone over 18 and having any stable source of income can apply for a bad credit loan in their state.

    Q: Is it necessary to have a job to apply for a bad credit loan?

    A: No, you just need to have a stable source of income to apply for a bad credit loan. If you are self-employed, work online, or have any other source of income, including disability payments, you can apply for a bad credit loan.

    Q: Do I need to pay anything while applying for a bad credit loan?

    A: No, if you go with any bad credit lenders on our list, you can apply for free and get a bad credit loan offer.

    Q: When do I have to pay the loan back?

    A: Payment periods vary from lender to lender; some might ask for the payment in a few months, while others might give you a few years.

    Q: How will I receive the money from my bad credit loan?

    A: Most lenders deposit the money directly in your account, while others allow cash pickups.

    Q: When will I know if my bad credit loan has been approved?

    A: The lending platform lets you know within a few minutes if your loan has been approved or not. If your loan gets approved, you are presented with several offers.

    Q: Can I pay my loan back earlier than decided?

    A: Yes, some lenders allow early payments while others might charge an extra fee.

    Q: Why do bad credit loans have high-interest rates?

    A: A bad credit loan is considered a high-risk investment, so lenders charge higher interest rates than usual when lending money to people with bad credit scores.

    Q: Are bad credit loans safe?

    A: Yes, it is safe to borrow money if you have bad credit. However, ensure you pay the loan back on time and not default on your payments.

    Q: Do I need to put up anything as security while applying for a bad credit loan?

    A: No, the best part about bad credit loans is that they do not require any security or collateral. You can apply for a loan without putting any of your valuables up as collateral.

    Q: Are there any specific guidelines on how I can spend my bad credit loan?

    A: No, you can use the money from a bad credit loan as needed. There are no rules or guidelines on spending your bad credit loans. Nevertheless, you are still expected to make all your payments on time.

    Q: Which lender is the best for bad credit loans?

    A: Any of the lenders on our list, including PickALender, MoneyMutual, BadCreditLoans, and Next Day Personal Loan along with others, are among the best bad credit lenders found online today.

    The Best Bad Credit Lenders of 2022 Final Word

    In today’s world, countless lenders offer money to people with bad credit. However, while going with a lending platform, it is essential to do your homework and consider everything.

    If you need a loan on bad credit, you can go with any of the bad credit lenders listed above, and you can rest assured that the process will be smooth and easy. All the bad credit lenders mentioned above are the best and backed by many customers who have turned to them in difficult times.


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    Best Bad Credit Loans – The Most Trusted Bad Credit Lender Platforms

    You can still get a loan with bad credit.

    Hundreds of lenders specialize in bad credit loans. Thanks to these lenders, you can borrow money even with a bad credit score.

    Whether you have a bad credit score, no credit score, or an average credit score, you can borrow money from reputable companies – if you know where to look.

    Our lending experts contacted bad credit loan providers, analyzed financials, and talked to real customers about their borrowing experience. Based on our analysis, we ranked the best bad credit loan providers of 2022.

    The Top Bad Credit Lenders of 2022

    After much deliberation, here’s how our editorial team ranked the best bad credit lenders of 2022:

    • MoneyMutual
    • BadCreditLoans
    • PickALender
    • CashUSA
    • PersonalLoans
    • LendYou
    • Next Day Personal Loan
    • Upgrade Personal Loans
    • Payzonno


    MoneyMutual is an online lending platform that has helped 2,000,000+ customers get cash advances. It’s a fast, popular, and secure platform that connects you with 120+ lenders across the United States.

    According to MoneyMutual, borrowers can get up to $5,000 in their account in as little as 24 hours. Just provide your info to MoneyMutual, let lenders review your information, and then get your money deposited directly into your account within as little as 24 hours. That’s it.

    One of the best perks of MoneyMutual is that it’s a no-cost service. It costs nothing to fill out a form and submit information through MoneyMutual’s online marketplace. If a lender wants to lend you money, that lender pays MoneyMutual, and you pay the lender. However, MoneyMutual does not charge users extra fees.

    Borrow: Up to $5,000 within as little as one business day



    BadCreditLoans found online at BadCreditLoans.com, lets you borrow $500 to $10,000 using an easy, online application process.

    To start, just enter your ZIP code, the last four digits of your SSN, and your date of birth. That’s it. You can immediately see if you qualify.

    Like MoneyMutual, BadCreditLoans is 100% free. The company connects you with lenders then charges those lenders a fee to do business with you. You pay the lenders to borrow money, but you don’t pay BadCreditLoans anything. That means you get the best possible lender while enjoying a hassle-free online application process.

    BadCreditLoans also emphasizes transparency. The company is open and honest about lenders’ fees, for example, and provides tips on avoiding scams. Overall, BadCreditLoans makes it easy and affordable for people with bad credit to borrow money online.

    Borrow: $500 to $10,000 within as little as one business day



    PickALender is an online lending platform that lets you get personal loans from $100 to $40,000. Complete the online form in 2 minutes to immediately view offers in your area.

    Like BadCreditLoans and MoneyMutual, PickALender gets lenders competing for your business. PickALender doesn’t provide loans directly; instead, they partner with dozens of lenders, creating a lending marketplace that makes it easy to get the best possible deal based on your unique situation.

    With a nationwide marketplace of lenders, transparent fee structures, and fast fund delivery, PickALender makes it hassle-free for people with bad credit to get a good loan.

    Borrow: $100 to $40,000 within as little as one business day



    CashUSA lets you consolidate debt, remodel your home, or take a vacation even if you have bad credit. You can secure a loan of up to $10,000 in 4 easy steps. Just complete the online form, connect with a lender, accept the offer, and wait for funds to appear in your account.

    CashUSA connects borrowers with lenders. By getting lenders to compete for your business, CashUSA can ensure you are present