Soccer program – Tom Cosgrave http://tomcosgrave.com/ Fri, 14 Jan 2022 22:17:49 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://tomcosgrave.com/wp-content/uploads/2021/06/icon-2021-06-25T165924.844-150x150.png Soccer program – Tom Cosgrave http://tomcosgrave.com/ 32 32 Thousands of customers will get payday loan refunds of up to £50 https://tomcosgrave.com/thousands-of-customers-will-get-payday-loan-refunds-of-up-to-50/ Fri, 14 Jan 2022 12:55:00 +0000 https://tomcosgrave.com/thousands-of-customers-will-get-payday-loan-refunds-of-up-to-50/ Payday loan customers who have fallen victim to unaffordable interest rates will receive payments in their bank accounts starting today. Cash transfers are being sent as compensation to thousands of Money Shop, Payday Express and Payday UK customers – but payouts can be much lower than expected. 1 The Money Shop once had 551 stores […]]]>

Payday loan customers who have fallen victim to unaffordable interest rates will receive payments in their bank accounts starting today.

Cash transfers are being sent as compensation to thousands of Money Shop, Payday Express and Payday UK customers – but payouts can be much lower than expected.

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The Money Shop once had 551 stores on high streets across the UK, but they finally disappeared in June 2019Credit: Alamy

It is part of a Scheme of Arrangements with the parent company of the three lenders, Instant Cash Loans (ICL).

Borrowers will receive far less cash compensation than the amount loaned to them, as the £18 million made available by ICL is to be shared by almost two million customers.

Debt expert Sara Williams, who runs the Debt Camel blog, said: ‘Some people get £50, but many are queuing for less than a five.’

ICL stopped making new loans to borrowers in August 2018 and announced a compensation program for customers who were mis-sold before October 2019.

A first round of payments was sent to borrowers in May and June last year.

The second and last round of payments starts from today.

Borrowers must have submitted claims in the last year to be in line for money.

If your application has been accepted, the amount you will receive varies depending on the amount you borrowed.

For example, if you received £100 in May, you can get £15 now.

But the repayments are much smaller than what you borrowed.

Indeed, ICL agreed to pay only 4.31 pence for each pound borrowed in the first payment and 0.65 pence for each pound borrowed via the second cash sum.

Williams also warned borrowers to monitor their payment and alert ICL if they do not receive money by January 20.

After this date, ICL will go into liquidation and you will not be able to get any more money.

The Sun contacted ICL, but the company declined to comment.

The cost of handling similar complaints caused payday lender Wonga to collapse in the summer of 2018.

A number of other leading companies, including QuickQuid and Peachy, also collapsed, leaving thousands of customers without full compensation for badly sold loans.

The city’s watchdog, the Financial Conduct Authority, has been urged to close the loophole to protect customers.

Williams added: “Prior to the start of the scheme, the Money Shop’s complaints handling was very poor, dismissing many complaints about affordability.

“Now people have had those rejected complaints upheld in the program, but they’re only getting 5% of the full refund they should have been entitled to.”

If you borrowed money from Provident, Greenwood, or Satsuma, here are your repayment rights.

And if you think one of the still-operating lenders may have wrongfully sold you an unaffordable loan, here’s how to file an affordability complaint.

I’m Bitcoin Creator Satoshi Nakamoto and Glad to Pay £70M in Damages to ‘Prove’ It, Says Craig Wright

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Strong girls soccer field returns for I-10 2022 shootout https://tomcosgrave.com/strong-girls-soccer-field-returns-for-i-10-2022-shootout/ Wed, 12 Jan 2022 06:03:23 +0000 https://tomcosgrave.com/strong-girls-soccer-field-returns-for-i-10-2022-shootout/ The top teams from the eight installments of the 2021 I-10 Shootout Women’s Football Tournament return for this year’s tournament, scheduled for Jan. 13-15 at Katy ISD venues. Of the 64 teams competing, 70 percent qualified for the playoffs last spring, some of which had exceptional runs. The tournament field includes state class 6A Memorial […]]]>

The top teams from the eight installments of the 2021 I-10 Shootout Women’s Football Tournament return for this year’s tournament, scheduled for Jan. 13-15 at Katy ISD venues.

Of the 64 teams competing, 70 percent qualified for the playoffs last spring, some of which had exceptional runs. The tournament field includes state class 6A Memorial semifinalist, playing in the Falcon Bracket, and state 5A champion Dripping Springs, playing in the Tiger Bracket. Fourteen other teams from this year’s tournament reached regional quarterfinals or better in 2021.

Teams must win three consecutive matches to win the title in one of eight brackets, which feature varying degrees of competition. Those who qualify for the bracket finals are expected to play on January 15 at Legacy Stadium or Rhodes Stadium.

The Spartan, Falcon and Cougar supports are among the most difficult to cross each year. This year is no exception as District 19-6A and regional champion Seven Lakes host seven other playoff teams, including regional semi-finalists Tomball Memorial and Beaumont West Brook.

Tompkins’ squad are home to six playoff teams, including Memorial and Jordan, making their I-10 college debut. The Cinco Ranch squad consists of eight playoff teams, including St. Agnes, TAPPS Division I finalist, Cy-Fair, III-6A region finalist, and Foster, III-5A semi-finalist.

The tournament was adjusted to a pool game format in half the installments last year, although four finals are still contested.

West Brook defeated Mayde Creek in last year’s Ram Final, Lumberton defeating Foster for the Maverick title, Ridge Point defeating Tompkins in the Falcon Final and Cy-Fair defeating Friendswood for the Cougar crown. Three of those four champions are in the same bracket this year.

Taylor was unofficially the Mustang champion last year, finishing as the only 3-0 team in the bracket. Langham Creek had a similar run in the Panther Bracket, but will be competing in the Cougar Bracket this year.

Katy and Elkins were unbeaten in the Tiger game last year, including a head-to-head draw. Both are back in the range this year. The Spartan Bracket included the undefeated teams Seven Lakes and St. Agnes.

The I-10 Shootout features 48 junior varsity teams, bringing the total number of players participating in the event to over 2,200. Proceeds from the event fund the I-10 Shootout scholarship program, as well as the support for local high school football programs through their school athletics recall clubs.

2022 I-10 DRAW CALENDAR

First round-Thursday

Panther Support (Chez Paetow HS)

Davis vs. Cy Park, noon

Paetow vs. Jersey Village, 2 p.m.

Barbers Hill vs. Clear Brook, 6 p.m.

Northbrook vs. Canyon Lake, 8 p.m.

Cylinder Bracket (at Mayde Creek HS)

Cy Ridge vs. Kempner, noon

Mayde Creek vs. Bush, 2 p.m.

Cy Falls vs. Grand Oaks, 6 p.m.

Travis vs. Klein Forest, 8 p.m.

Tiger stand (at Katy HS)

Cy Lakes vs. Oak Ridge, noon

Katy vs. Heights, 4 p.m.

Spring Woods vs. Dripping Springs, 6 p.m.

Santa Fe vs. Elkins, 8 p.m.

Maverick Support (At Morton Ranch HS)

Klein Cain vs. Kingwood, noon

Morton Ranch vs. Fulshear, 4 p.m.

Lamar vs. Tomball, 6 p.m.

Lumberton vs. Bridgeland, 8 p.m.

Mustang Support (at Katy Taylor HS)

Fort Bend Austin vs. Cy Creek, noon

Taylor vs. Alvin, 2 p.m.

Westside vs. Dawson, 6 p.m.

The Door against Saint-Pie X, 8 p.m.

Spartan Support (At Seven Lakes HS)

Tomball Memorial vs. Cy Ranch, noon

Seven Lakes vs. Bellaire, 2 p.m.

Clear Lake vs. Montgomery, 6 p.m.

West Brook vs. Lake Travis, 8 p.m.

Falcon Support (at Tompkins HS, unless otherwise noted)

Cy Woods vs. Memorial, noon

Tompkins vs. Clear Springs, 2 p.m.

Ridge Point vs. San Antonio Johnson, 6 p.m.

Brazoswood vs. Jordan, 6 p.m. (At Jordan HS)

Cougar Support (At Cinco Ranch HS)

Cy-Fair vs. Manvel, noon

Cinco Ranch vs.Clements, 4 p.m.

Foster vs. George Ranch, 6 p.m.

Langham Creek vs. St. Agnes, 8 p.m.

Bracket finals-Saturday

Panther, 9 a.m., Rhodes

Cougar, 10 a.m., Heritage

Ram, 11 a.m., Rhodes

Tiger, Noon, Heritage

Maverick, 1 p.m., Rhodes

Falcon, 2 p.m., Heritage

Mustang, 4 p.m., Rhodes

Spartan, 4 p.m., Heritage

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Counter payday lenders to protect the community https://tomcosgrave.com/counter-payday-lenders-to-protect-the-community/ Tue, 11 Jan 2022 17:09:41 +0000 https://tomcosgrave.com/counter-payday-lenders-to-protect-the-community/ Listening to the community allows Karen Madry to stay in touch with the 8,000 members of Federal Credit Union Afena. “Our community is at the heart of everything we do, especially the work we do to provide alternative lending solutions to underbanked and low-income people,” said Madry, president and CEO of the co-op. $ 84 […]]]>

Listening to the community allows Karen Madry to stay in touch with the 8,000 members of Federal Credit Union Afena.

“Our community is at the heart of everything we do, especially the work we do to provide alternative lending solutions to underbanked and low-income people,” said Madry, president and CEO of the co-op. $ 84 million asset credit in Marion, Ind. “Like many very poor communities, we have a proliferation of high interest loan stores and payday lenders who take advantage of financial vulnerability. It’s our job to educate as many people as possible that there is a better way.

Madry’s commitment to providing low-interest loans as an alternative to payday loans led to the creation of “Bridge the Gap,” a unique partnership between the credit union and the Community Foundation of Grant County.

The loans provide members with emergency funds between $ 200 and $ 2,000 and are available exclusively to people earning less than 80% of median family income. Repayment terms vary by loan amount, but favor small payments, typically less than $ 50 per month, to reduce the stress on family budgets created by predatory payday loans.

Madry has developed an additional program to help members who have already fallen into the clutches of high interest loan stores.

“We have members with loans from finance companies who pay up to 50-60% APR, sometimes more,” she says.

“It’s our job to educate as many people as possible that there is a better way.”

Karen madry

Refinancing high interest debt saves members thousands of dollars in interest. Madry recounts how a member reduced his monthly payments by $ 1,200 when he refinanced his loans through the credit union.

Designing loan products that meet the needs of the community has helped Afena Federal Credit Union thrive, but growth can be difficult.

“My biggest challenge is figuring out how to strengthen my staff in a society where people increasingly seek to work remotely while ensuring that members receive excellent service when they are in the branch”, explains Madry. “The older members are more physical, while the younger ones are tech-savvy. We are constantly trying to thread this needle.

Credit union stocks and loans were up more than 12% year-over-year at the end of October, while assets were up more than 15%. The introduction of remote deposit capture, instant issue debit cards, and a credit card rewards program in 2022 will allow Afena Federal Credit Union to continue to grow.

Madry, who joined the credit union as CEO in May 2014, thrives on a busy schedule, relying on her faith and daily prayer to “fill the well.”

Being part of the CUNA Small Credit Union Committee provides networking and inspiration, including “permission to think outside the box”.

“I think the reason so many small credit unions are disappearing is that they are stranded like they always have been,” says Madry. “We have to be continually ready to reinvent ourselves. “


This article is part of Forging a Path, CUNA News’ special focus on what 2022 holds for the credit union movement, the financial services industry, and the economy. Follow the conversation on Twitter using the hashtag #ForgingAPath.
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Revolut launches the payday access platform Payday https://tomcosgrave.com/revolut-launches-the-payday-access-platform-payday/ https://tomcosgrave.com/revolut-launches-the-payday-access-platform-payday/#respond Thu, 19 Aug 2021 10:49:28 +0000 https://tomcosgrave.com/revolut-launches-the-payday-access-platform-payday/ Revolut is launching today a new platform for accessing earned wages called Payday. The platform will give employees instant tracking and access to money they have already earned but have not yet been paid through a traditional salary system. As part of this launch, Revolut is partnering with UK employers with plans for the EEA […]]]>

Revolut is launching today a new platform for accessing earned wages called Payday. The platform will give employees instant tracking and access to money they have already earned but have not yet been paid through a traditional salary system.

As part of this launch, Revolut is partnering with UK employers with plans for the EEA and US to follow. The company states that there will be a “minimal flat fee” for using the platform.

Payday will not impact employee credit scores because it is not a credit or loan scheme. FinTech says the system will allow employees more control and flexibility over their finances, and will avoid accumulating debt between paychecks.

According to Revolut, Payday is free for employers and easy to integrate into payroll systems. The company says cash flow is not affected by the move to the platform, as employers will continue to pay employee salaries at the end of each month.

Nik Storonsky, Founder and CEO of Revolut, said, “We believe in the importance of making financial wellness accessible to everyone, and that includes focusing on the impact of financial stability on the mental health of employees. After the hardships of the past year, the last thing employees need now is financial uncertainty and stress. It’s important to move away from a situation where many rely on expensive short-term payday loans and credit, a dependency that is exacerbated by the monthly payroll cycle. ”


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Loan consolidation company relieving Americans of payday loan debt amid Covid-19 pandemic https://tomcosgrave.com/loan-consolidation-company-relieving-americans-of-payday-loan-debt-amid-covid-19-pandemic/ https://tomcosgrave.com/loan-consolidation-company-relieving-americans-of-payday-loan-debt-amid-covid-19-pandemic/#respond Sat, 14 Aug 2021 15:31:38 +0000 https://tomcosgrave.com/loan-consolidation-company-relieving-americans-of-payday-loan-debt-amid-covid-19-pandemic/ Oakland Park, Florida (PRWEB) August 14, 2021 Covid-19 hit the world by surprise in March 2020, and since then life has taken a dark turn. This pandemic has gripped the world by the neck, from the loss of families and friends to the virus, to job losses and business failures. As businesses close their doors […]]]>

Covid-19 hit the world by surprise in March 2020, and since then life has taken a dark turn. This pandemic has gripped the world by the neck, from the loss of families and friends to the virus, to job losses and business failures. As businesses close their doors and citizens face wage cuts, payday loans have become the order of the day.

Payday loans are advances that lenders give to individuals, which they repay when they receive their paycheck. They are suitable for covering medical emergencies, accidents and unforeseen bills. But they can be a trap if you borrow more money than you can afford. Defaulting on such loans comes with outrageous rolling charges and insane interest.

These loans are attractive and tempting. Creditors know how to target the weak points of consumers, leaving them no choice but to seize them. They use persuasive language to make the deal seem too good to resist. Here are some of the reasons payday loans are great:

  • They have a high likelihood of approval
  • Lenders offer adjustable amounts of money
  • Payday loans come quickly in an emergency
  • When used well, payday loans can be a reliable way to supplement your sources of income.

Although sometimes it is inevitable to borrow these loans, consumers should avoid them like the plague. They have higher interest rates than regular bank loans. “Some companies will entice you with this offer and destroy you with the interest rate. If you have fallen into this trap, do not despair, there is still hope ”, advises National payday loan relief.

Most of the people know the disadvantages of these payday loans, but they borrow anyway. This is because they seem to be an instant helping hand. They are convenient because they do not require guarantors and credit checks. Plus, they don’t feel like a burden. Some people feel embarrassed when borrowing from family and friends, so they opt for payday loans.

“A lot of people love payday loans because of their embarrassment; Do you know that uncomfortable feeling that comes with borrowing from family and friends? Payday loans don’t come with so much shame, ”National Payday Loan Relief (NPDLR) noted. It is advisable to avoid payday loans. Instead, consider other alternatives, like asking friends and family for help. If the payday loan is inevitable, stick to one lender.

“Payday loans tend to be risky, but depending on the situation, it can help under the circumstances. The bottom line about payday loans is that you are trying to find an alternative. If you have to use a payday loan, try to limit the amount and only borrow what you can afford to pay with your next paycheck, and of course, still have enough to make it to the next payday. », Advises NPDLR.

So what about after getting stuck in a payday loan cycle debt? Do you accept defeat and live a miserable paycheck life?

There is a way out of payday loan debt. The NPDLR has developed various initiatives that help you pay off your debts in less time and even at lower rates. First, they have a payday loan consolidation program which allows you to pay multiple loans simultaneously with a single loan.

“Debt consolidation is a service offered by loan relief service providers to facilitate debt refinancing by taking a loan from the consolidator and using it to repay multiple loans owed to other debtors,” explains NPDLR. This program is what people struggling with debts from multiple creditors need to regain their financial freedom. This shortens the repayment time and the final amount you repay.

“Debt consolidation is a relief for personal finances because it allows you to pay off multiple debts simultaneously using a single low interest loan. It also relieves you from nagging phone calls from lenders, among other benefits. Wondering how this loan consolidation program works? It’s pretty self-explanatory. The consolidator takes all the responsibility for the debt clearance, such as negotiating better rates, payment schedule, etc.

“The consolidation company will take care of the rates, fees, renegotiation of terms and all that is expected of you is to pay off your debt in friendly monthly installments through the loan consolidation company.” Why pay a consolidation company to do all of this when you can negotiate your way to pay low interest? To the extent that you can do these things on your own, a consolidator who is familiar with payday loans and the rules governing lending institutions has a better chance than a layman. “Getting such an agreement can be difficult if you try to renegotiate your loan with the creditor on your own,” warns the NPDLR.

There is another solution for consumers with multiple payday loan debts; debt settlement. You use this method as a last resort, after trying other ways to settle your payday debts. Here, you hire a debt management professional or a legal firm to advise you on the options available. It is not easy to negotiate debt cancellation and other settlement options on your own; that’s why you need to look for an expert. “While it is quite possible to do this yourself whenever dealing with complex legal and financial matters, it is always recommended that you contact a lawyer or professional firm who has experience in this type of situation. questions, ”advises NPDLR. .

“Once you have negotiated an acceptable agreement that both parties have signed on, you can finalize the matter. Sometimes this can include writing off the entire debt, but more often there will be a payment plan for a partial amount of the original amount. It’s a good way to save money while reducing monthly payments to a more manageable level. The lower monthly payments leave room for more savings. Saving money is a habit for all of us if accepting payday loan debts interferes with this crucial habit. The money saved gives us hope for a better future and the ability to meet a need if it arises.

“Money is a guarantee that we can have what we want in the future. Although he does not need anything at the moment, it ensures the possibility of satisfying a new desire when it arises, ”said Aristotle. One of the bestselling personal finance authors, Suzie Orman, says that you need to correct the root cause of your financial problems in order to achieve financial freedom. This is why it is essential to speak to an expert for legal and financial advice. “The only way for you to permanently take control of your financial life is to dig deep and fix the problem at the root,” wrote Orman, who is the author of over 25 million books on finance.

Payday loans are at the top of the list of root causes of financial problems for most Americans. When you get the first advance, you pay it off with your next paycheck. If the remaining amount cannot support your lifestyle until the next payday, you borrow another loan. This cycle cannot save you a dime, and your dream of financial freedom delays another day. The main cause of debt accumulation is a lack of budgeting, which results in overspending on unnecessary things. Getting financial advice helps you avoid falling into the same trap by developing better financial habits and comprehensive financial advice.

“As a debt settlement company, NPDLR feels obligated, as our duty, to educate and educate our clients on how to avoid making the same mistake twice. We provide debt advice. financial and credit to anyone who wants to learn and improve each day. Financial credit counseling will give you an idea on how to improve your finances and your credit score in your future spending, ”noted NPDLR. financial advisor can even help you with other alternatives to pay off your payday loans, such as mortgage refinancing. This is a very fragile subject and requires expert advice to save money. If you go for it blindly , you risk getting into more debt.

“When you refinance your loan, you’ll want to get a better deal. When you decide to consider how refinance my mortgage, you’ll want to make sure you’re making the right decisions for that, ”advises NPDLR.

There are other alternatives to turn to when payday loan debt gets out of hand. These are:

  • Financial Debt Management Services
  • Bankruptcy filing
  • Financial debt and credit card advice
  • Payday Loan Debt Settlement

NPDLR offers other loan and credit management services to help clients take charge of their financial well-being. These include:

  • Debt repayment calculator that gives customers an overview of their accumulated debt and payment schedule
  • Credit card debt relief program to help credit card debtors pay off their credit card loans
  • Payday Loans Map to help clients find payday loans and debtor protection areas in their state
  • Debt Settlement Agreement Template Clients Can Use to Write Their Debt Settlement Agreements

About National Payday Loan Relief

NPDLR is a debt settlement company known across the United States for helping you get out of payday loan debt. They help you recover from payday loan debt through their loan relief and consolidation program. Their fundamental values ​​are to be united, reliable, well informed and negotiators. The mission of the NPDLR is to be an efficient and reliable payday loan assistance service provider, helping Americans in all states. They also pride themselves on over 20 years of professional service, with financial experts and qualified lawyers.

For more information on National Payday Loan Relief and Debt Consolidation Services, visit their website or contact them by phone or SMS at (888) 407-4521 or email: info @ nationalpaydayloanrelief .com. Their physical address is 3221 NW 10th Terrace, Oakland Park, FL 33309.


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SPCE Stock – 3 revolutionary space technologies of the future | Zoom Fintech https://tomcosgrave.com/spce-stock-3-revolutionary-space-technologies-of-the-future-zoom-fintech/ https://tomcosgrave.com/spce-stock-3-revolutionary-space-technologies-of-the-future-zoom-fintech/#respond Fri, 23 Jul 2021 04:15:24 +0000 https://tomcosgrave.com/spce-stock-3-revolutionary-space-technologies-of-the-future-zoom-fintech/ Revolutionary space technologies and achievements give us the opportunity to explore the Universe and learn more about the direction we are heading as a species. They are quite impressive, so feel free to read more about the explorations underway right now. Suppose you are thinking of buying a stock of space exploration technology from a […]]]>

Revolutionary space technologies and achievements give us the opportunity to explore the Universe and learn more about the direction we are heading as a species. They are quite impressive, so feel free to read more about the explorations underway right now.

Suppose you are thinking of buying a stock of space exploration technology from a aerospace company in UK or a company that makes space exploration technology in any other country, for that matter. In this case, your idea is going to make you rich for sure. Future space travel technologies are developing every year (and very rapidly), especially as more and more billionaires express their interest in space exploration and travel. The commercial aerospace industry is making very big and rapid strides forward, developing all kinds of new space technologies, from the smallest satellites to be sent into our planet’s low orbit, to space robots that explore other planets. Below are the three most exciting space exploration technologies and achievements of the past year.

SpaceX sends astronauts to the ISS

Elon Musk created his space exploration technology company SpaceX in 2012 not only to “occupy” Mars, but also to build technologies in space and regularly resupply the ISS. The Crew Dragon craft he worked on for nearly ten years sent NASA astronauts Doug Harley and Bob Behnken from a launch pad in the United States to the ISS in May 2020. This mission, called Demo -2, was a success from start to finish. end and brought the crew safe and sound in August. This marked the beginning of a close collaboration between NASA and private aerospace technology companies. And SpaceX isn’t the only private aerospace technology company in the United States, as Blue Origin and Virgin Galactic are also close to completing commercial spaceflight missions and are already performing successful orbital launches.

Orion considers lunar exploration again

Orion considers lunar exploration again

Interplanetary exploration is at an all-time high lately, with more private tech companies looking to test their latest open space technologies. For example, NASA is looking to put a new station in the orbit of the Moon and will work on this technology for the next ten years. Although this project still seems far from being implemented, NASA has the Artemis program which is much closer to completion. Collaborating with private aerospace technology companies, she wants to get us back to the moon by 2024. The development of the Orion space capsule is key to this plan. Orion is built on the models of the Apollo, Mercury and Gemini capsules, but it is much larger and can accommodate four astronauts. Unlike space shuttles, it features additional safety enhancements, such as technology to abort the launch in the event of a malfunction. In memory of the Columbia tragedy of 2003, such an improvement in security is more than welcome, not least because it saves lives now, as space travel seems to become less and less out of the ordinary.

The globalization of space technologies

Until not so long ago, only superpowers like the United States or Russia had cutting edge technology and were able to travel in space, but 2020 has come to change all that. This is the year in which a few other countries also launched their space technologies. For example, in July 2020, the United Arab Emirates-made Hope satellite was launched to study Mars and reach it in 2021. China has launched its own 34 space technologies, the largest of which is part of the Tianwen-1 mission. , for which an orbiter, with a lander and a rover, was deployed to Mars. Chang’e 5 was also China’s first lunar sample return mission in over 40 years. Meanwhile, Slovenia, Monaco, Iran and Guatemala have launched a first satellite. Now you can see why “space stocks” were mentioned at the start of this article. All of these events have led to a great surge in space exploration technologies in the global stock market, and this trend doesn’t seem to be stopping anytime soon.

Space travel is no longer a subject reserved for sci-fi movies, and has been for some time. Now that governments are open to working with private space technology companies to successfully fulfill their missions, we are moving closer to exploring deeper space. If things continue like this and Earth is no longer facing major issues like the Coronavirus (at least not very often), we are sure to build a new world for our children. It will be a world in which going to other planets to explore or even take a vacation no longer seems an impossible dream. We already have the space technologies to set us on this path. And given that this technology continues to evolve as we speak, aerospace travel, tourism, and travel could be even closer than we can currently imagine.


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Is it small? My boyfriend owes me money but won’t pay https://tomcosgrave.com/is-it-small-my-boyfriend-owes-me-money-but-wont-pay/ https://tomcosgrave.com/is-it-small-my-boyfriend-owes-me-money-but-wont-pay/#respond Fri, 23 Jul 2021 04:15:24 +0000 https://tomcosgrave.com/is-it-small-my-boyfriend-owes-me-money-but-wont-pay/ Source: Vladimir Vladimirov / Getty Editor’s Note: This article originally appeared on MadameNoire on June 10, 2016. I think we can all agree that lending money to friends and family is a no-no. There is nothing worse than having to find a less than aggressive way to confront your aunt or friend about that loan […]]]>

Source: Vladimir Vladimirov / Getty

Editor’s Note: This article originally appeared on MadameNoire on June 10, 2016.

I think we can all agree that lending money to friends and family is a no-no. There is nothing worse than having to find a less than aggressive way to confront your aunt or friend about that loan they took for a gift. And while blowing up Rihanna’s “B — h Better Have My Money” is a great way to do it in theory, it’s likely going to make a negative situation worse. So unless the person asking for parts is known to pay people back on a timely basis, tell them all you can lend them is the lint in your pocket.

But what do you do when your boyfriend needs to borrow money to cover some expenses and comes to you? You might also want to cry broke in this situation. In the case of a woman, she would probably encourage you to do so after her boyfriend for over a year decided to take his time to pay her off on a hefty loan. Things were going well in their relationship – until he decided to stick her for his paper.

“He paid me back a small amount, but right now he owes me $ 330 because of other things that have piled up,” the young woman wrote online. “Every time I ask him that question he gets pissed off and pissed off… I’m sick of waiting and I’m afraid he’ll take advantage of me because I have more money. “

I can’t imagine trying to make a relationship work when your boyfriend owes you money and has the nerve to be annoyed by your inquiries about when you’ll get that money back. If he doesn’t pay soon, I’m pretty sure this young lady’s resentment will grow even stronger, and if he does, it will be time to consider if this is someone she needs to be with. to be. A few dollars here and there is one thing, but lend hundreds, maybe even thousands of dollars to have your partner drag their feet to pay? Not a good look. The fact that he doesn’t see the importance of paying what he owes, as if ignoring it would kill any communication on the subject since she is his girlfriend, shows that he has less than admirable traits in as a partner.

Without adding to the pettiness here, but if things seem to be going well aside from the money issue, I would probably choose to avoid taking notes or helping with expenses and outings. If and when he asks why she isn’t helping him or reimbursing him for the purchases he made for her (maybe when she needs him for certain groceries), she can always gracefully remind him of this. debt.

But other than that, I wouldn’t run to Judge Judy about it. Legal costs are not a joke and time wasted? Well, it’s up to the injured party to determine if it’s really worth it. But sometimes you have to suffer loss to learn an important life lesson. In this situation, the lesson is that you don’t need to play Shylock with anyone, and you shouldn’t lend money that you can’t afford to lose. So, for the young lady in this messy financial situation, I would recommend confronting her boyfriend in a straightforward way with a real plan on how he can pay what he owes (instead of just asking, “When can you?” refund me ? “). Tell him that she will take a certain amount per week or that she will come knocking when he gets paid. If he can’t oblige her, she can tell him he won’t hear from her. Yes, maybe it would be better for her to cut her losses and cut him off (and maybe swear to it when you come out of the door) …

But as always, this is only my opinion. What do you say? Is this a little problem that she should let go or should she cut it if he can’t choose not to pay? How would you handle things?

Discover our new series Loops run the world with YouTuber Yolanda Renee:


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How to spot a predatory lender https://tomcosgrave.com/how-to-spot-a-predatory-lender/ https://tomcosgrave.com/how-to-spot-a-predatory-lender/#respond Fri, 23 Jul 2021 04:15:23 +0000 https://tomcosgrave.com/how-to-spot-a-predatory-lender/ Photo: fizke (Shutterstock) Most people are familiar with the concept of predatory lending, a lending practice that imposes unfair or deceptive terms on borrowers, often taking the form of payday loans or title loans with exorbitant interest rates. But what’s the difference between a predatory loan and a legitimate loan with a high interest rate? […]]]>

Image from the article titled How to Spot a Predatory Lender

Photo: fizke (Shutterstock)

Most people are familiar with the concept of predatory lending, a lending practice that imposes unfair or deceptive terms on borrowers, often taking the form of payday loans or title loans with exorbitant interest rates. But what’s the difference between a predatory loan and a legitimate loan with a high interest rate? Here’s how you can spot the difference.

Offer seems too good to be true

Beware if a potential lender shows no interest in checking your credit score, offers quick approval for a loan amount that is much larger than offered elsewhere, or generally promises generous conditions with few questions asked. If the lender does not seem interested in knowing if you will ever be able to repay the loan, it means that they are not want to you pay off the loan someday – they want to keep charging you (probably above average) interest for as long as possible.

Three-digit interest rate

A sure sign of a predatory lender is that they will offer triple-digit interest rates on short-term loans, even if the people with the worst credit scores have alternative options this will guarantee them money at an APR close to 30% (which is still quite high). Predatory lenders are also reluctant to tell you the full cost of the loan with interest, usually hiding it somewhere in the fine print or hiding it until you’ve signed the documents.

Inflated fees and penalties

Legit loans offer a clear path toward repayment, with no surprises. On the other hand, predatory lenders want to keep you on the hook forever, and one way they do so is with excessive late fees that are a percentage of the total loan, rather than a flat fee. And even if you’re a responsible borrower and pay the loan off early, you might be on the hook for prepayment penalties, which can also be calculated as a percentage of your loan. Excessive unwanted charges are also common.

The lender does not report your payments to the credit bureaus

Appropriate lenders rely on credit scores to determine whether to give you a loan, which is why they report your payments (or non-payments) to the three major credit bureaus that calculate your credit score: Experian , Equifax and TransUnion. Naturally, if bad faith lenders are more interested in keeping you in debt and staying under the radar, they’re less likely to. Make sure that any potential lender will report your payments before signing up for a loan.

You’ve never heard of the lender before

Unless it’s a big bank or a credit union that you already trust, research your potential lender. A simple Google search will reveal any complaints from other consumers, as will checking for Consumer Financial Protection Bureau Complaints Database.

The lender wants direct access to your bank account

Although many lenders require access to your bank account in order to process automatic payments, providing this information should not be a requirement. By Karma credit, a predatory lender may treat your account like an ATM, making repeated payment requests even if you accumulate bank overdraft fees if your account runs out of funds. Also note that you should be able to cancel automatic payments at any time.


If you are struggling with debt, consider your options before restructuring your mortgage or taking out an adverse personal or payday loan.


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Ohio House President Cliff Rosenberger to step down on May 1 https://tomcosgrave.com/ohio-house-president-cliff-rosenberger-to-step-down-on-may-1/ https://tomcosgrave.com/ohio-house-president-cliff-rosenberger-to-step-down-on-may-1/#respond Fri, 23 Jul 2021 04:15:23 +0000 https://tomcosgrave.com/ohio-house-president-cliff-rosenberger-to-step-down-on-may-1/ COLUMBUS, Ohio – Speaker of the House Cliff Rosenberger announced Tuesday evening that he would step down from his seat on May 1 amid questions about an FBI investigation in his expenses and his travels. Rosenberger, a Clinton County Republican who has been a public speaker since 2015, hired a defense attorney after federal agents […]]]>

COLUMBUS, Ohio – Speaker of the House Cliff Rosenberger announced Tuesday evening that he would step down from his seat on May 1 amid questions about an FBI investigation in his expenses and his travels.

Rosenberger, a Clinton County Republican who has been a public speaker since 2015, hired a defense attorney after federal agents opened an investigation into his activities, including a trip to London last summer with representatives from the payday loans.

In a statement released Tuesday evening, Rosenberger said he believed all of his actions as a speaker were “ethical and legal.” But he said the investigation “could take months, if not years to resolve,” adding that “Ohioans deserve elected leaders who can devote their full attention” to the problems facing the state.

Rosenberger made the announcement Tuesday night to the House Republican caucus.

Pro Tempore House Speaker Kirk Schuring, a Republican from Canton, will serve as Speaker of the House until the House elects a new speaker to serve until the end of the year.

In a statement, Schuring said Rosenberger’s announcement was “emotional” to him.

“Going forward, my goal will be to facilitate the operations of this institution as smoothly and efficiently as possible,” said Schuring.

Rosenberger, 36, is the first Asian American to become an Ohio House speaker, and is believed to be the youngest to ever hold the post. An Air Force veteran, Rosenberger was previously political coordinator in the administration of former President George W. Bush.

During his tenure as a speaker, Rosenberger oversaw the largest Republican majorities in the state’s history – a job that at times brought him into conflict with various members of his own party as well as with House Democrats. . Under his leadership, House Republicans passed a number of conservative bills on issues ranging from abortion restrictions to tax cuts, and they tried unsuccessfully to prevent Governor John Kasich from accept federal government Medicaid expansion funds.

Rosenberger also became known for his frequent trips to places such as Los Angeles, France, Israel and England which were paid for by campaign funds or by outside groups.

The FBI is reportedly investigating Rosenberger’s trip to London last August, according to the Cincinnati Enquirer. He was accompanied on the trip by lobbyists Steve Dimon and Leslie Gaines, who work for a securities lender trying to block legislation to crack down on payday lenders.

Federal agents are also interested in his ties to heiress Ginni Ragan, a top House GOP donor who rents a luxury condo in Rosenberger for an undisclosed amount, according to the Enquirer.

Rosenberger said to the Columbus Dispatch Tuesday that he was not personally approached by the FBI or subpoenaed.

It’s not immediately clear how Rosenberger’s sudden departure will affect the ongoing – and controversial – race to succeed him between Reps Ryan Smith and Larry Householder. Rosenberger is considered an ally of Smith.


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Come dance Friday night @ The Fusion of Windsor! https://tomcosgrave.com/come-dance-friday-night-the-fusion-of-windsor/ https://tomcosgrave.com/come-dance-friday-night-the-fusion-of-windsor/#respond Fri, 23 Jul 2021 04:15:23 +0000 https://tomcosgrave.com/come-dance-friday-night-the-fusion-of-windsor/ Now that the ability and mask guidelines are lifted, it’s time to get out there and start having fun again. And that’s exactly what you can do this Friday night. Taking place at the Fusion of Windsor, Route 32 in Windsor, a great dance party will take place from 8:00 am. Favorite local DJ Hudspin […]]]>

Now that the ability and mask guidelines are lifted, it’s time to get out there and start having fun again. And that’s exactly what you can do this Friday night.

Taking place at the Fusion of Windsor, Route 32 in Windsor, a great dance party will take place from 8:00 am. Favorite local DJ Hudspin will kick the tracks off with his massive sound system and keep you in awe with his state-of-the-art light show.

And if you’re wondering about the genre, DJ Hudspin will play pretty much anything you want, as long as you get up and dance to it!

Make it a date night and get out early for dinner. The Fusion of Windsor offers a full home-cooked menu as well as a well-stocked bar with a new seasonal cocktail menu.

Oh, did I mention we’re dating too? So we’ll certainly see you there. If you haven’t been, come see it with your loved one or your whole group of friends. I guarantee you won’t be disappointed.

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Each seaside town has its own set of pros and cons, which got us thinking about what makes a seaside town the best place to live. For the knowledge, Stacker consulted WalletHub data, published on June 17, 2020, which compares American seaside towns. Ratings are based on six categories: affordability, weather, safety, economy, education and health, and quality of life. The towns had a population of 10,000 to 150,000, but they had to have at least one local beach listed on TripAdvisor. Read it full methodology here. From these rankings, we selected the top 50. Readers who live in California and Florida will not be surprised to learn that many of the cities featured here are in one of these two states.

Read on to see if your favorite beach town has made the cut.

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Many of the actresses in this story have not only made a name for themselves through their collection of iconic performances, but also through the altruistic and philanthropic nature with which many of them have approached their fame. In an age of turning the storyline on societal norms, many of these actresses use their voices and platforms to advocate for those who would otherwise go unheard.

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KEEP READING: Here Are The Most Popular Baby Names In Each State

Using data from March 2019 from Social security administration, Stacker has compiled a list of the most popular names in each of the 50 states and Washington DC, according to their 2018 SSA rankings. The top five boy names and top five girl names are listed for each state, along with the number of babies born in 2018 with this name. Historically common names like Michael have only made the top five in three states, while the less common name Harper ranks in the top five for 22 states.

Curious about what names are trending in your home country? Read on to see if your name is in the top five or for inspiration on naming your baby.

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How many in America: from guns to ghost towns

Can you guess how many public schools there are in the United States? Do you have any idea how many billionaires might reside there? Read on to find out, and learn a thing or two about the cultural significance and legacy of each of these selections along the way.

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Read on to find out the average life expectancy in each state.

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While much is still unknown about the coronavirus and the future, what is known is that the currently available vaccines have gone through all three phases of testing and are safe and efficient. It will be necessary for as many Americans as possible to be vaccinated in order to finally return to some level of pre-pandemic normalcy, and I hope these 30 answers provided here will help readers get vaccinated as soon as they can. .

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LOOK: See how much gasoline cost the year you started driving

To learn more about how the price of gasoline has changed over the years, Stacker has calculated the figures for the cost of a gallon of gasoline for each of the past 84 years. Using Bureau of Labor Statistics data (published in April 2020), we analyzed the average price of a gallon of regular unleaded gasoline from 1976 to 2020 as well as the Consumer Price Index (CPI) for regular unleaded gasoline from 1937 to 1976, including absolute and inflation-adjusted prices for each year.

Read on to explore the cost of gasoline over time and rediscover how bad a gallon was when you first started driving.

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Do you already have our free radio app? Otherwise, it’s the perfect way to request a song, talk to DJs, participate in exclusive contests, and stay on top of everything that is happening in and around central Maine and the world. When you download it, make sure to turn on push notifications so that we can send you exclusive content and local news that you need to know first. Simply enter your mobile number below and we’ll send you a download link straight to your mobile device. After that, you can download for free and immediately start accessing all kinds of exclusive content specially designed for you. Try it out and stay connected with us!


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